Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX Mi XXXX To : XXXX XXXX XXXX XXXX Subject : Final Demand for Immediate Deletion of Unverified Collection Entry FCRA Violations & Breach-Related Data Concerns To Whom It May Concern, This is a formal dispute and demand for immediate deletion of one or more collection accounts currently appearing on my credit file. These items are inaccurate, unverifiable, and potentially the result of compromised personal data stemming from prior security failures involving your agency. 

BACKGROUND DATA SECURITY BREACHES : Each of your agencies has experienced major data breaches in recent years : XXXX  ( XXXX ) : Affected XXXX XXXX consumers. 
XXXX  ( XXXX ) : Exposed personal data linked to XXXX  customers. 
XXXX  ( XXXX ) : Allegedly leaked sensitive consumer records. 
Due to these events, any account reported against my name must be treated with extreme scrutiny. If this collection was generated using breached or mishandled information, it is legally unenforceable. 

DISPUTED COLLECTION ACCOUNT : Creditor/Collection Agency : Jefferson Capitol SYST Account Number : XXXX Reported Amount : {$1800.00} Date Opened/Reported : XX/XX/XXXX LEGAL DEMAND UNDER THE FCRA : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to : Investigate this account within 30 days Delete any unverifiable, inaccurate, or outdated information Notify me of the results in writing For this item to remain on my credit report, you must provide : A copy of the original signed agreement ( wet-ink or digital signature ), Proof of a legal relationship between the original creditor and collector, A full accounting of the alleged debt, Confirmation the reporting agency is licensed to collect in my state, Proof the debt was not created or transmitted using breached data. 
Failure to comply with these requirements will be treated as a willful violation of the FCRA and may result in civil penalties, regulatory complaints, and litigation. 

PRIVACY & CONSUMER PROTECTION : The collection account ( s ) listed appear to stem from data compromised in breaches you were responsible for. I am not liable for accounts tied to records stolen or manipulated as a result of your agency 's negligence. 

FINAL DEMAND : I hereby demand the immediate deletion of the above collection item ( s ). If full, verifiable documentation is not provided within 30 days from the date of receipt, I will : File complaints with the CFPB, FTC, and State Attorney General Pursue civil action for damages under the FCRA Request regulatory review of your agency 's dispute and data handling process I REQUIRE THE FOLLOWING : Permanent deletion of the account Written confirmation of removal No future re-reporting without full and proper legal validation Please consider this final notice before escalation. 

Sincerely, XXXX XXXX Enclosures : Copy of government-issued ID Proof of address Highlighted credit report showing the disputed account

Company response to consumer: Closed with explanation