Consumer complaint received 2025-06-12 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: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX SSN : XXXX  XXXX : XX/XX/year>XXXX  JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX To whom it may concern : The information you see above is my most current personal information per FCRA and XXXX XXXX compliance reporting standards. If what you have on file for me doesn't match what's listed, there are problems with either your records or those who provide them for verification purposes. My profile must be accurate and thorough in order to comply with FCRA and XXXX XXXX compliance regulations. You must furnish your information verification within a reasonable time frame and be able to evaluate and confirm all of the information in my credit report. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form JEFFERSON CAPITAL SYST ( XXXX ) - ( XXXX ) XXXX JEFFERSON CAPITAL SYST XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account Description : Individual Account Rating : XXXX CollectionOrChargeOff Account Status : XXXX Open Account Type : XXXX Open Balance Owed : XXXX {$1800.00} Closed Date : Credit Limit : XXXX -- XXXX -- Creditor Remarks : XXXX -- Date Opened : XXXX XXXX Date of Last Activity : XXXX XXXX High Balance : XXXX {$1800.00} Last Verified : XXXX XXXX Creditor Type : - Finance Date Reported : - XXXX Dispute Status : XXXX XXXX Last Payment : XXXX -- Past Due Amount : XXXX -- Payment Amount : XXXX -- Payment Frequency : XXXX -- Payment Status : XXXX CollectionOrChargeOff Term Length : XXXX XXXX Loan Type : FactoringCompanyAccount The account JEFFERSON CAPITAL SYST ( XXXX ) on my credit report is inaccurately listed as CollectionOrChargeOff, with dates XXXX and XXXX. This error is impacting my financing efforts. 
Under 15 U.S.C. 1681g ( a ), I am requesting the deletion of this account and proof of the {$1800.00}, which I dispute.

Also, see the image above for JEFFERSON CAPITAL SYST ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. 
You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXX XXXX law Sincerely XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX SSN : XXXX DOB : XX/XX/year> JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN 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 5 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. 
Page XXXX of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX SSN : XXXX XXXX : XX/XX/year> JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation