Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
AFFIDAVIT OF CONSUMER RIGHTS VIOLATION AND UNAUTHORIZED CREDIT REPORTING Affiant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, Virginia XXXX D.O.B. : XX/XX/XXXX Last 4 of SSN : XXXX I. INTRODUCTION AND PURPOSE I, XXXX XXXX XXXX, being of sound mind and competent capacity, do hereby affirm under penalty of perjury that the following statements are true to the best of my knowledge and belief. This Affidavit serves as a lawful notice and complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding ongoing violations by the following entities that have furnished and/or reported inaccurate and unauthorized information to XXXX XXXX XXXX XXXX without my express written consent or lawful validation of debt. 

The following entities are implicated : Jefferson Capital Systems ( multiple accounts ) JEFFERSON CAPITAL SYSTEMS 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 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL BASIS FOR COMPLAINT Violation of 15 U.S.C. 1692c ( a ) & ( c ) Unlawful Communication and Cease & Desist Rights Each of the above-named entities has initiated and continued to communicate with me regarding alleged debts without my express written consent and without any court order permitting such contact. Under 1692c ( a ), a debt collector may not communicate with a consumer in connection with the collection of any debt without prior consent given directly to the debt collector or express permission of a court. 

Furthermore, under 1692c ( c ), I have legally refused to pay any alleged debt until full validation is provided, and I have invoked my right to Cease and Desist from any and all communication or collection activity, including the reporting of such alleged debts to consumer reporting agencies. 

Violation of 15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The consumer reporting agencies ( XXXX XXXX XXXX XXXX ) have published data from these collection agencies without verifying the accuracy or authenticity of the accounts. The information furnished was not authorized, validated, or supported by any contract signed by me, thereby damaging my consumer reputation and hindering my access to fair credit opportunities. 

Violation of XXXX XXXX. XXXX ( a ) Duty of Furnishers to Provide Accurate Information Each furnisher listed has failed to meet its duty to provide accurate and verified data to consumer reporting agencies. No contract, signed authorization, or written agreement granting permission for the use or disclosure of my personal or financial data has been provided. 

Violation of Privacy and Consumer Rights The unauthorized dissemination of my private identifying information and alleged debt data to multiple credit bureaus constitutes an unlawful invasion of privacy and monopolization of my consumer report, in violation of federal consumer protection laws. These activities have directly hindered my ability to secure a mortgage for my family and caused substantial emotional and financial distress. 

III. NOTICE OF LEGAL STANDING AND REMEDY INVOCATION Pursuant to 15 U.S.C. 1692c ( c ), I hereby restate that : All communication and collection activity regarding these alleged debts must immediately cease. 

The only permissible communications are : Written notice confirming that all collection efforts have been terminated, or Written notice acknowledging my right to invoke specified remedy as a creditor under federal consumer law. 

Delivery of this affidavit VIA the CFPB and complaint serves as lawful notice to all parties that continued reporting, sharing, or collection constitutes willful noncompliance and subject to liability under 15 U.S.C. 1681n and 1681o. 
IV. DEMAND FOR RELIEF I demand that the CFPB initiate investigation into the unlawful reporting and data dissemination practices of the entities listed above, and that : All unverifiable accounts be permanently deleted from my consumer reports with XXXX XXXX XXXX XXXX. 

Each furnisher be required to provide certified copies of any contractual evidence demonstrating my express written consent to disclose or report such alleged debts. 

All future reporting, collection, or communication cease unless lawful validation is produced and consent verified. 

V. DECLARATION I affirm under penalty of perjury that the foregoing statements are true, correct, and complete to the best of my knowledge, and I reserve all rights and remedies available under the Constitution and federal consumer protection law. 

Executed this XXXX day of XX/XX/XXXX. 

XXXX XXXX XXXX, Affiant All Rights Reserved Without Prejudice ( UCC 1-308 )

Company response to consumer: Closed with explanation