Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
AFFIDAVIT OF IDENTITY THEFT, FRAUDULENT REPORTING, AND DEMAND FOR DELETION Date of Correspondence : XX/XX/XXXX Affiant : XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXXXXXX Mailing Address : XXXX XXXX XXXX, XXXX XXXX, MI XXXX Notice to agent is notice to Principal Notice to Principal is notice to agent AFFIDAVIT I, XXXX XXXX XXXX, being of lawful age and competent to testify to the matters stated herein, declare under penalty of perjury that the following statements are true and correct based upon my personal knowledge : 1. Identity of Affiant I am the consumer whose information appears on the credit reports maintained by consumer reporting agencies and furnished by various creditors, debt collectors, and information furnishers. 2. Identity Theft and Unauthorized Activity I am a victim of identity theft and unauthorized use of my personal identifying information. After reviewing my consumer credit reports, I discovered accounts and inquiries that I do not recognize, did not authorize, and for which I have no knowledge of entering into any agreement or contractual obligation. I have undertaken efforts to investigate and dispute fraudulent and unauthorized information appearing on my credit reports. Numerous fraudulent items have previously been removed ; however, the following items remain disputed : Collection Accounts * Jefferson Capital Systems Reported Balance Approximately {$820.00} * XXXX XXXX XXXX Reported Balance Approximately {$340.00} * Original Creditor Reported : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX In addition to the foregoing, I dispute any other account, inquiry, collection, charge-off, or derogatory reporting that can not be verified through competent documentary evidence. 3. Lack of Authorization I did not knowingly authorize the opening, creation, use, or maintenance of the disputed accounts and inquiries identified above. To the best of my knowledge, no valid contract, application, authorization, or agreement bearing my lawful authorization exists supporting these disputed items. 4. Demand for Verification I demand that each consumer reporting agency and information furnisher provide competent evidence establishing : * A signed application; * A signed contract or service agreement; * Evidence of authorization ; * Proof of identity verification used during account creation ; * A complete account history ; * Documentation supporting any inquiry; * Evidence of a permissible purpose for obtaining my consumer report ; * Documentation supporting continued reporting of the disputed information. 5. Disputed Accuracy The continued reporting of information that can not be verified through competent evidence creates a substantial risk of inaccurate consumer reporting and financial harm. I therefore dispute the accuracy, completeness, ownership, authorization, and validity of the disputed accounts and inquiries. 6. Request for Removal I request that all consumer reporting agencies, creditors, debt collectors, and furnishers conduct a reasonable investigation and delete any information that can not be verified with competent documentary evidence. 7. Reservation of Rights Nothing contained herein shall be construed as an admission of liability, ownership, contractual obligation, or responsibility for any disputed account, debt, inquiry, or transaction. All rights, claims, defenses, and remedies are expressly reserved. DECLARATION UNDER PENALTY OF PERJURY I declare under penalty of perjury under the laws of the United States that the foregoing is true and correct to the best of my knowledge and belief. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without prejudice Without recourse

Company response to consumer: Closed with non-monetary relief