Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Re : Formal Dispute Jefferson Capital LLC ( Original Creditor : T-Mobile ) FCRA, FDCPA & Metro 2 Violations Account Name : Jefferson Capital LLC Original Creditor XXXX XXXX To Whom It May Concern : I am submitting this formal dispute regarding the above-referenced account, which is being reported inconsistently and inaccurately across multiple consumer reporting agencies. The tradeline contains multiple violations of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and potential Fair Debt Collection Practices Act ( FDCPA ) violations. 1. Inconsistent Account Classification Across Bureaus ( FCRA & Metro 2 Violations ) This account is reported differently across credit bureaus : - XXXX : Account type open account with collection status XX/XX/XXXX and XX/XX/XXXX - XXXX : Account type debt buyer, status shows collection XX/XX/XXXX - XXXX : Account type open account, comments placed for collection, no payment history These inconsistencies violate FCRA 1681e ( b ), which requires furnishers to follow reasonable procedures to ensure maximum possible accuracy. Reporting the same account with different types, status dates, and classifications is materially misleading and inconsistent with Metro 2 standards, which require uniform account coding. 2. Improper Early Collection Reporting and Chronology Errors ( FCRA & Metro 2 Violations )- XXXX shows the account opened XX/XX/XXXX, with terms met in XX/XX/XXXX, then immediately reports collection in XX/XX/XXXX - XXXX shows collection status XX/XX/XXXX, inconsistent with XXXX - XXXX shows placed for collection, with no payment history This timeline is illogical. An account can not immediately go into collections after being opened unless there is supporting documentation, which is not provided. This violates : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information the furnisher knows or should know is inaccurate - FCRA 1681e ( b ) Duty to follow procedures to assure accuracy - Metro 2 Section 4.8 Payment history and delinquency codes must reflect accurate chronological progression 3. Missing or Incomplete Payment History ( FCRA & Metro 2 Violations ) - XXXX reports no payment history - XXXX only shows terms met in XX/XX/XXXX - XXXX shows XX/XX/XXXX as first collection month The lack of complete payment history prevents verification and violates : - FCRA 1681e ( b ) Furnishers must ensure accurate and complete reporting - Metro 2 Section 4.2 All required data fields, including payment history and status updates, must be furnished 4. Misleading Account Type and Status ( FCRA & FDCPA Violations ) - The account is reported as open account on XXXX and XXXX, debt buyer on XXXX, yet all indicate collection activity - This contradicts the accounts actual status as a collection and is materially misleading This violates : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate account type - FCRA 1681e ( b ) Maximum possible accuracy - FDCPA 1692e ( 2 ) ( A ) False representation of debt status or character - FDCPA 1692e ( 8 ) Communicating information known to be false to credit reporting agencies 5. Balance Discrepancies and Lack of Documentation ( FCRA & FDCPA Violations ) - Balance reported : {$400.00} as of XX/XX/XXXX - No explanation of how the balance was calculated or fees applied - Lack of supporting documentation makes verification impossible This violates : - FCRA 1681s-2 ( a ) ( 1 ) ( A ) Inaccurate reporting of balances - FDCPA 1692g ( a ) Failure to validate and properly identify the debt 6. Furnisher Identification Verification The account is reported by Jefferson Capital LLC. I request verification that this entity is authorized to report this account and that all furnished data is compliant with Metro 2 standards and federal law. Demand for Action Due to these multiple violations, I demand : 1. A thorough reinvestigation under FCRA 1681i 2. Verification using competent, documented evidence, not automated systems 3. Correction of all inaccurate, inconsistent, or incomplete information 4. Immediate deletion of this tradeline if it can not be verified as fully accurate and compliant with FCRA, FDCPA, and Metro 2 standards Notice of Escalation Failure to properly investigate and correct these violations will result in escalation, including : - Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) - Pursuing legal remedies for willful noncompliance Please complete your investigation within 30 days of receipt of this dispute and provide written confirmation of the outcome. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation