Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to JEFFERSON CAPITAL SYSTEMS, requesting that they delete the inaccurate information on the account. JEFFERSON CAPITAL SYSTEMS responded, stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of the Jefferson Capital Systems account under my credit report. After reviewing the information provided by you, I have identified several discrepancies in the reporting of this account. I respectfully request that the following errors be corrected immediately, the account be deleted from my credit report, and all alleged late payments be removed as they are misrepresenting my credit status under the Fair Credit Reporting Act ( FCRA ).

Inaccuracies Identified : 1. Misclassification of Account Status as " Charge-Off '' with No Payment History : The account is reported as a Charge-Off with no payment history available, which is misleading. The absence of payment history is inconsistent with the account status and fails to reflect any actual payment activity. If payments have been made, they should be reported as required under FCRA regulations.

Violations Identified : o FCRA Violation : Section 1681s-2 ( b ) Duty of furnishers of information to investigate disputed information accurately. 
o Code : Failure to provide accurate account status and misclassification as " Charge-Off '' without supporting data.

2. No Payment History Reported : The report shows No History Available, which misrepresents the account 's activity. If payments were made, they should be reported ; however, the absence of payment history creates an inaccurate reflection of the account, as though no payments were made.

Violations Identified : o FCRA Violation : Section 1681i ( a ) ( 1 ) Reinvestigation of disputed information must be completed and corrected promptly. 
o Code : Failure to report complete and accurate payment history.

3. Inconsistent Reporting of " Collection/Charge-Off '' Status : The account is reported as being in " Collection/Charge-Off '' status, with months showing No Data Available or inconsistent reporting between bureaus. This inconsistency violates FCRA regulations that require accurate and consistent reporting of information across all bureaus. 
Violations Identified : o FCRA Violation : Section 1681e ( b ) Duty to maintain accuracy and consistency of information reported across all bureaus.

o Code : Failure to maintain consistent data reporting across different reporting months and bureaus.

4. Account Information Disputed by Consumer : The report lists the account as Account Information Disputed By Consumer but continues to report it as a collection, which is misleading. The account should be accurately marked based on the outcome of the dispute process, and any incorrect classifications should be corrected immediately.

Violations Identified : o FCRA Violation : Section 1681i ( a ) ( 1 ) Disputed information must be investigated and corrected promptly.

o Code : Failure to accurately resolve dispute and update account status. 
Total Violations : 8 violations Total Violations Breakdown : 3 violations related to misclassification as Charge-Off without supporting evidence.

2 violations related to missing or incomplete payment history reporting.

2 violations related to inconsistent reporting across multiple months.

1 violation related to " Account Information Disputed By Consumer '' being incorrectly reported.

Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of information. The inaccuracies in this account violate the FCRA, which mandates that only accurate information be reported to credit bureaus. These violations must be corrected immediately. 
Statutory Damages for FCRA Violations : The FCRA allows for statutory damages of {$100.00} to {$1000.00} per violation. Given the total number of violations, I am entitled to seek damages as follows : XXXX violations related to misclassification as Charge-Off without supporting evidence : Potential Damages : {$300.00} to {$3000.00} 2 violations related to missing or incomplete payment history : Potential Damages : {$200.00} to {$2000.00} 2 violations related to inconsistent reporting across multiple months : Potential Damages : {$200.00} to {$2000.00} 1 violation related to Account Information Disputed By Consumer being incorrectly reported : Potential Damages : {$100.00} to {$1000.00} Total Potential Damages : {$800.00} to {$8000.00} Requested Action : I respectfully request the following actions : 1. Immediate deletion of this account from my credit report due to inaccurate and inconsistent reporting. 
2. Immediate correction of the account status to reflect accurate information, including removing the Charge-Off classification and properly reporting any payments made.

3. Correction of the reporting history to reflect accurate payment history for all months.

4. Ensure consistent reporting across all bureaus and collection agencies regarding this account.

Please conduct a thorough investigation of these discrepancies and delete this account immediately. I request a written response detailing the actions taken within 30 days, as required by the FCRA.

Notice of Legal Action : If these issues are not resolved promptly, I will pursue legal action under the FCRA for the violations identified, including seeking damages of {$800.00} to {$8000.00} for the 8 violations identified above. I am entitled to these damages as part of the statutory remedies available to me under the FCRA, and I am prepared to pursue this course of action if the errors are not rectified.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation