Consumer complaint received 2025-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
IDENTITY THEFT & FCRA VIOLATION NOTICE 15 U.S.C. 1681c-2 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX. XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX Notice of Identity Theft & Demand for Blocking 15 U.S.C. 1681c-2 This email serves as formal notice that the collection account listed below is the result of identity theft. 

I did not authorize the opening, transfer, or reporting of this account, and I did not provide consent for your company to furnish information to any credit reporting agency. 

Account Details : Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX Amount : {$4600.00} This email is formal notice that the collection account referenced below is the result of identity theft. 

I did not authorize your company to collect, report, or furnish information regarding this account, nor did I provide consent for any credit reporting activity. 

Account Information : Collection Agency : XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXX XXXX Account Number : XXXX Amount : {$220.00} RE : Identity Theft, Unauthorized Debt Collection, and Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) I am submitting this complaint to report identity theft, unauthorized debt collection activity, and violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, by Jefferson Capital Systems LLC . 

I received a collection notice stating that I owe {$1000.00} for a XXXX account allegedly associated with my name. I have never opened, authorized, or been responsible for any XXXX account connected to this alleged debt. 

Details of the alleged account include : Name on Account : XXXX XXXX Debt Description : XXXX Amount : {$1000.00} Current Creditor : Jefferson Capital Systems XXXX XXXX XXXX : XXXX I have no contractual relationship with XXXX, XXXX XXXX  nor Jefferson Capital Systems LLC and did not consent to the use, sharing, or processing of my personal information for this alleged account. This debt is not mine and appears to be the result of identity theft or mistaken identity. 

Despite this, XXXX, XXXX XXXX XXXX Jefferson Capital Systems LLC has attempted to collect payment, which constitutes improper collection activity and potential unlawful reporting. 
Under 15 U.S.C. 1681c-2, once identity theft is alleged, consumer reporting agencies and furnishers are required to block and remove information resulting from identity theft and must cease reporting and collection of such accounts. 



Violations Identified Attempting to collect a debt I did not incur Unauthorized use of my personal information Failure to properly verify identity before collection Potential improper credit reporting Violation of FCRA 1681c-2 ( Blocking Information from Identity Theft Victims ) - Resolution Requested I respectfully request that XXXX, XXXX XXXX & Jefferson Capital Systems LLC be required to : 1. Immediately cease all collection activity related to this alleged debt 2. Permanently delete and block this account from all consumer reporting agencies 3. Provide written confirmation that I owe no balance 4. Disclose how my personal information was obtained 5. Ensure my information is not shared or sold further 6. Take corrective action to prevent future violations I request that the CFPB investigate this matter and ensure compliance with federal consumer protection laws. 

Thank you for your attention to this serious identity theft and consumer Under 15 U.S.C. 1681c-2 ( Blocking of Information Resulting from Identity Theft ), once notice is provided, information resulting from identity theft must be blocked, and continued reporting or collection activity is prohibited. 

I am demanding that you immediately cease all reporting and collection activity related to this account and confirm in writing that the account has been withdrawn and will not be re-reported. 



XXXX XXXX XXXX XXXX TX Last 4 SSN : XXXX

Company response to consumer: Closed with explanation