Consumer complaint received 2024-12-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Violation of FCRA and FDCPA Regarding Re-Aged and XXXX Debt Reporting I am filing this complaint against Jefferson Capital Systems for unlawfully re-aging a time-barred debt and misreporting it on my credit report, which has caused financial harm and damage to my creditworthiness. Jefferson Capitals actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) and require immediate investigation and enforcement action. 

Background Information XXXX. Original Creditor and Account Information : Creditor : XXXX Date of Contract : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Original Amount : {$2000.00} XXXX. Account History with Collection Agencies : XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Reported and later deleted on XX/XX/XXXX. 
XXXX XXXX XXXX ( XXXX ) : Reported and later Deleted on XX/XX/XXXX. 
Third and Current Collection Agency ( Jefferson Capital Systems ) : Re-reported the same debt on XX/XX/XXXX, falsely updating the date of last activity to XX/XX/XXXX. Status is Active/ Disputed XXXX. My Interaction with Jefferson Capital : I have had no communication or activity with XXXX, XXXX XXXX XXXX XXXX, or Jefferson Capital since the original date of last activity in XXXX. 
In XX/XX/XXXX, I requested debt validation from Jefferson Capital, but they failed to provide the necessary documentation.

Violations of Federal Law 1. Re-aging of Debt Violates FDCPA 807 ( 2 ) ( A ) : Jefferson Capital falsely reported a new date of last activity ( XX/XX/XXXX ) to make the debt appear active and enforceable. Re-aging is a deceptive practice under FDCPA 807 ( 2 ) ( A ) because it misrepresents the character, amount, or legal status of the debt. This action misleads consumers into paying debts they may not owe or that are beyond the statute of limitations.

2. Unfair Collection Practices Violating FDCPA 808 ( 1 ) : Re-aging is also an unfair or unconscionable means of collecting a debt, prohibited by FDCPA 808 ( 1 ). These practices aim to trick consumers into paying debts that are no longer legally collectible.

3. Time-Barred Debt Collection Violates FDCPA 807 ( 5 ) : Attempting to collect or re-age a time-barred debt ( beyond the statute of limitations ) violates FDCPA 807 ( 5 ), which prohibits threatening or misrepresenting legal recourse to collect unenforceable debts.

4. Exceeding the 7-Year Limit Under FCRA 605 ( a ) : The original date of first delinquency ( DOFD ) on this account was XX/XX/XXXX, making the debt ineligible for reporting after XX/XX/XXXX. Jefferson Capitals re-aging and subsequent reporting violate FCRA 605 ( a ) ( 15 U.S.C. 1681c ), which limits the reporting of adverse information to seven years.

5. Failure to Validate Debt as Required by FDCPA 809 : In XX/XX/XXXX, I requested debt validation from Jefferson Capital. They failed to provide documentation to verify the legitimacy of the debt, rendering their collection efforts and credit reporting unlawful.

Impact on Me Jefferson Capitals unlawful reporting has caused : Credit Denials : I have been declined for credit multiple times due to the inaccurate and unlawful reporting of this account. 
. Financial Harm : These credit denials have negatively impacted my ability to work, secure housing, and conduct commerce. 
. Emotional and Psychological Stress : The ongoing misrepresentation of this account has caused significant distress and inconvenience.

Company response to consumer: Closed with explanation