Consumer complaint received 2026-04-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX To whom it may concern : I am using my rights under the FCRA to contest any information on my credit report that I believe is not accurate. The data included in my credit report must be documented and validated before it is included on my report. I can't recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which doesn't meet federal or state reporting requirements. You must report this with the greatest compliance and accuracy possible. You shouldn't report any claims that you know or should know are not in compliance with regulations or the law. I'm writing to remind you that you need to make sure all your claims are accurate and reported in the correct format. This is required by law ( FCRA ) and reporting standards ( XXXX XXXX ). For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. I am giving you 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. I would like for you to mail me physical proof of your actions and my updated credit report. These allegations appear to be inaccurate. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them. JEFFERSON CAPITAL XXXX XXXX Status : Open Account Number : XXXX Type : Open Unpaid Balance : {$4700.00} Comments : CONSUMER DISPUTES THIS ACCOUNT INFORMATION Date Opened : XXXX Current Rating : CollectionOrChargeOff Last Activity : XXXX High Balance : {$4200.00} Monthly Payment : Original Creditor : XXXX XXXX XXXX Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : I noticed an issue with the account JEFFERSON CAPITAL XXXX associated with number XXXX on my credit report. It's showing as CollectionOrChargeOff, but this isn't accurate. You stated that the account was opened on XXXX, had a date of last activity as XXXX, and it was last verified on [ DATE ]. This incorrect information is affecting my ability to reach my financial goals, such as qualifying for better credit offers. Under 15 U.S.C. 1681i, I request the documentation used to verify this account and proof of the {$4700.00}, as I do not owe this. Based on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I expect you to correct this error. JEFFERSON CAPITAL XXXX Account Number : XXXX Status : Open Type : Open Unpaid Balance : {$1000.00} Comments : COLLECTION ACCOUNT Date Opened : XXXX Last Activity : XXXX High Balance : {$1000.00} Monthly Payment : Current Rating : CollectionOrChargeOff Term Source Type : Original Creditor : XXXX Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : I noticed that this account JEFFERSON CAPITAL XXXX with the number XXXX is showing the wrong rating of CollectionOrChargeOff on my credit report, and I want it fixed now! You said this account was opened on XXXX and had a date of last activity of XXXX. That just can't be right. Please take this account off my report! You also said you last verified this account on XXXX. According to the law, specifically 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to see how you verified it. Send me the info you used to check this. And another thingI need proof that I really owe {$1000.00} because I don't owe this. Remember, according to XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), if you can't prove this info, it has to be taken off! JEFFERSON CAPITAL XXXX Account Number : XXXX Status : Open Type : Open Unpaid Balance : {$530.00} Comments : COLLECTION ACCOUNT Date Opened : XXXX Last Activity : XXXX High Balance : {$530.00} Monthly Payment : Current Rating : CollectionOrChargeOff Term Source Type : = Original Creditor : XXXX Highest Adverse Rating : CollectionOrChargeOff Most Recent Adverse Rating : I am writing to formally dispute the reporting of the account JEFFERSON CAPITAL XXXX with number XXXX on my credit report, which inaccurately lists this account as CollectionOrChargeOff. The reported opening date is XXXX, with the date of last activity as XXXX, and the account was last verified on XXXX. This erroneous information has been a barrier to obtaining financing and has impacted my ability to secure competitive interest. According to 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers of information to credit reporting agencies are responsible for providing accurate information. Thus, I am requesting all documentation and evidence you used to verify this account 's accuracy, as well as proof of the disputed balance. The necessity for accurate credit reporting was reinforced in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXXXXXX ), where XXXX XXXX faced legal consequences for failing to correct inaccurate information. Additionally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) established that credit reporting agencies must take appropriate steps to ensure the removal of any erroneous information. Given these legal precedents, I demand that this account be deleted from my credit report. Failure to do so may result in further legal action to protect my rights. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated. Yours Truly XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

Company response to consumer: Closed with explanation