Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX Email : XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX MN XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Re : Formal Dispute and Demand for Deletion of Fraudulent Account Original Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX Disputed Balance : {$840.00} To Whom It May Concern, I am writing to formally dispute the above-referenced account currently being reported by Jefferson Capital Systems on my consumer credit report. This account is fraudulent, was not opened or authorized by me, and is being reported in direct violation of multiple federal consumer protection laws. Background of the Dispute The original account with XXXX was confirmed as fraudulent and was deleted from my XXXX XXXX XXXX credit reports in XX/XX/XXXX following an investigation. Despite XXXX 's deletion of this fraudulent account, Jefferson Capital is now reporting the exact same fraudulent debt under their name as a collection account. I never authorized Jefferson Capital to access, report, or furnish any information on my consumer credit file regarding this account. I did not receive any written notification ( dunning letter ) from Jefferson Capital prior to this account appearing on my credit report, as required by law. Violations of Federal Law 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 1681s-2 ( a ) ( 1 ) ( A ) * * Prohibits furnishing information to credit reporting agencies that the furnisher knows or has reasonable cause to believe is inaccurate. XXXX has already confirmed this account as fraudulent. 1681s-2 ( a ) ( 1 ) ( B ) * * Once a consumer disputes an item as fraudulent, the furnisher must cease reporting it unless verified as accurate. 1681b * * No permissible purpose exists to report this fraudulent account on my consumer file. 1681i * * Requires reinvestigation and deletion of disputed inaccurate information. 1681c-2 * Requires the * blocking of information resulting from identity theft * * within 4 business days of notice. 2. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 1692g ( a ) * * Jefferson Capital failed to send me a written validation notice within 5 days of initial communication outlining the debt, my right to dispute, and verification rights. 1692e ( 2 ) ( A ) * * Prohibits false representation of the character, amount, or legal status of any debt. 1692e ( 8 ) * * Prohibits communicating credit information known to be false, including failure to communicate that the debt is disputed. 3. Identity Theft Protections FCRA 605B & FTC Red Flags Rule I am asserting my rights under identity theft protections, as this account was the result of fraud and has already been deleted by the original creditor on that basis. Demands Immediately delete the disputed Jefferson Capital collection account ( Account # XXXXXXXX XXXX XXXX ) from * * all three credit bureaus XXXX XXXX XXXX XXXX Cease all collection activity on this fraudulent account immediately. Provide written confirmation of deletion and account closure within 30 days, as required by the FCRA. Provide proof of : Original signed contract bearing my signature Permissible purpose to access my credit file Written validation notice mailed to me prior to reporting If Jefferson Capital fails to comply within 30 days, I will pursue all available remedies, including but not limited to : Filing complaints with the CFPB, FTC, New Jersey Attorney General, and XXXX XXXX XXXX Pursuing statutory damages of up to {$1000.00} per violation under the FCRA and FDCPA Filing a civil action in federal court This letter serves as formal written notice of dispute under federal law. Please govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief