Consumer complaint received 2025-03-19 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: PA

Complaint narrative:
o Whom It May Concern : I am filing this formal complaint against Jefferson Capital Systems ( " Creditor '' ) and the credit reporting agencies XXXX, XXXX, and XXXX ( " Bureaus '' ) for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This complaint addresses the continued inaccurate and unverifiable reporting of two collection accounts despite multiple disputes and requests for validation.

II. Legal Violations 1. Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Duty to report accurate information : Jefferson Capital Systems has failed to ensure the accuracy of the information reported. Both accounts remain reported as " active '' despite being closed by Jefferson Capital Systems on XX/XX/ 2025. The fact that they remain listed as open reflects a failure to meet the FCRAs accuracy requirement. 

FCRA 623 ( a ) ( 15 U.S.C. 1681s-2 ( a ) ) Duty of furnishers to provide accurate information : Jefferson Capital Systems is responsible for providing accurate and consistent information to credit bureaus. Reporting closed accounts as open and failing to correct this misrepresentation after multiple disputes violates this section.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) Duty to investigate : Upon receiving a dispute, the credit reporting agencies are required to conduct a thorough reinvestigation within 30 days. Despite multiple disputes and evidence that the accounts were closed, the bureaus have failed to update the status of these accounts accurately, constituting a violation of 611 ( a ).

2. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : FDCPA 809 ( 15
U.S.C. 1692g ) Failure to validate debt : On XX/XX/ 2025, I sent Jefferson Capital Systems a formal debt validation request via certified mail. Jefferson Capital Systems failed to provide proper validation within the statutory 30-day period. Under the FDCPA, if a debt collector can not validate a debt, they are legally required to stop reporting ityet Jefferson Capital continues to report these accounts.

FDCPA 807 ( 15 U.S.C. 1692e ) Misleading and deceptive representation : Jefferson Capital Systems has misrepresented the status of these accounts by continuing to report them as " active '' despite their closure. This creates confusion and negatively affects my credit standing. 

3. Inconsistent and Contradictory Reporting : XXXX XXXX  and XXXX accounts are marked as " closed '' on XXXX but remain reported as " active '' on XXXX and XXXX. This contradiction demonstrates a failure by Jefferson Capital Systems and the bureaus to maintain accurate and consistent records in violation of FCRA 607 ( b ). 

If Jefferson Capital Systems can not validate the debt or ensure consistency across credit bureaus, the only legally compliant resolution is to delete these accounts entirely.

III. Harm and Damages As a result of these violations : My credit score has been negatively impacted by the false reporting of closed accounts as open.

My ability to secure favorable loan terms and other forms of credit has been harmed. 

The emotional distress and financial damage caused by these inaccurate reports have been substantial. 

IV. Requested Resolution In light of the numerous violations and the creditor 's failure to comply with federal law, I formally demand : Complete deletion of both Jefferson Capital Systems accounts from my XXXX, XXXX, and XXXX credit reports. 

Removal of all associated late payments, delinquency notations, and negative marks.

Confirmation of the deletion within the statutory 30-day window required by FCRA.

V. Notice of Intent to Escalate If the CFPB does not compel the immediate de
letion of these inaccurate accounts, I will take the following actions : File formal complaints with the Federal Trade Commission ( FTC ).

Report this violation to my State Attorney Generals Office.

Pursue all available legal remedies, including statutory damages, under the FCRA and FDCPA.

Company response to consumer: Closed with explanation