Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Debt Collection Practices Dear Jefferson Capital, I am writing to formally dispute the collection of the alleged debt associated with my account # XXXX. I believe your actions have violated my legal rights under the Fair Debt Collection Practices Act ( FDCPA ). 

Firstly, I am aware that the statute of limitations on this alleged debt has expired ( California 4 years ), which makes it time-barred. Under 15 U.S.C. 1692i, attempting to collect on a time-barred debt is not only unethical but may also violate the FDCPA. I request that you cease all attempts to collect on this debt, as it is no longer legally enforceable.

Secondly, I am concerned that you have shared my personal information without my consent or signature, which constitutes a breach of my privacy and may be considered fraud. This unauthorized disclosure of my information is unacceptable and raises serious legal concerns. Under 15 U.S.C. 1692c ( a ) ( 2 ), a debt collector may not communicate with third parties ( Tru accord ) regarding a consumer 's debt without consent. you are in violation of 15 U.S.C. 6802, which provides me the right to opt out of having my private data and intellectual property shared without my consent. Your continual use, and dissemination of my personal and private information constitute a violation of my rights under this law. Grounds for Identity Theft : You have no authorization or consent whether written or other wise to use or possess my private data and intellectual property without just compensation to me. By continuing to act without such authorization, your actions constitute grounds for identity theft, and I demand that you immediately cease all such activity. Fifth Amendment Takings Clause : By misusing my private intellectual property for your benefit, you are in violation of the Fifth Amendment Takings Clause. Your actions amount to unjust enrichment, as you are deriving public gain from the harm, damage, and injury caused to me. I demand immediate compensation for these violations. Erroneous Reporting of Charged-Off Account : Regarding the charged-off account you are furnishing, I have not received an IRS Form 1099-C from you to confirm such status. Without this evidence, the furnishing of the charge-off is false, misleading, and without basis. Furthermore, your continued furnishing of this erroneous trade-line has defamed my character and caused significant harm. The statement that the account has been " charged-off '' is also false and misleading, as you have provided no documentary evidence to support this claim. I demand that all furnishing of this charged-off account be deleted immediately to remedy your inaccuracies and incompleteness. Fee Schedule for Violations : Be advised that I am seeking compensation for these violations at the following rates, which are cumulative : { {$1000.00} } per violation of the FCRA, 15 U.S.C. 1681 et seq. { {$2500.00} } per unauthorized use or dissemination of my private data under 15 U.S.C. 6802. { {$5000.00} } per act of defamation resulting from your false reporting. Unauthorized dissemination of private data. Immediate Actions Demanded : Immediately delete all inaccurate and incomplete information being furnished to any and all credit reporting agencies. Provide written confirmation that the deletion has been completed. Cease all unauthorized use and possession of my private data and intellectual property. Immediately compensate me { {$8500.00} } USD for harm, damage, and injury caused by your actions. Failure to comply within 15 days of receipt of this letter will leave me no choice but to pursue all available legal remedies. 

I request that you immediately cease all collection activities related to this alleged debt and refrain from any further disclosures of my personal information. Please provide a written response confirming that you will comply with my requests. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation