Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital Systems LLC is furnishing false, misleading, and re-aged information on my XXXX  credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( a ) ( 5 ), and 1681s-2 ( b ) ( 1 ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ). 

The tradeline appears as an open collection account with a fabricated Date Opened of XX/XX/year>, and falsely identifies Jefferson Capital Systems LLC as both the current owner and the original creditor. This is materially inaccurate and misrepresents the age, ownership, and status of the alleged debt. 

I have never received any original account-level documentation substantiating Jefferson Capitals legal right to report or collect this account. During my prior disputes, I specifically requested : The original signed agreement with the alleged original creditor ; The complete payment and charge-off history from the original creditor ; Proof of assignment or purchase showing Jefferson Capitals ownership and authority to furnish data ; The Date of First Delinquency ( DOFD ) reported to the credit bureaus and the method used to determine it ; Validation of the reported balance with an itemized accounting of fees and interest ; and Copies of any e-OSCAR or ACDV communications exchanged with XXXX  during the reinvestigation.

Jefferson Capital failed to produce any of this documentation. Instead, XXXX file continues to show the account as open with a {$930.00} balance and remarks account information disputed by consumer. This proves that neither the furnisher nor the credit reporting agency conducted a reasonable reinvestigation as required under 1681i and 1681s-2 ( b ).

Reporting a debt with a falsified open date and identifying a debt buyer as the original creditor constitutes data furnishing misconduct and re-aging, both of which violate 605 ( a ) and 623 ( a ) ( 5 ). Continuing to report this account after notice of dispute and without validation constitutes willful noncompliance under 1681n.

Requested Action : 1.Immediate and permanent deletion of the Jefferson Capital Systems LLC tradeline from all consumer files.

2.Written confirmation that XXXX  has suppressed this data and notified all downstream users.

3.Referral of Jefferson Capital Systems LLC for regulatory enforcement due to its pattern of reporting re-aged and unverifiable debt buyer accounts as active collections. 

Evidence Provided : Screenshot of the XXXX file showing Date Opened : XX/XX/year>, Original Creditor : Jefferson Capital Systems LLC, and Placed for Collection / Account information disputed by consumer. 

Jefferson Capitals continued publication of demonstrably false information after verified dispute constitutes willful noncompliance under 15 U.S.C. 1681n. I am notifying both Jefferson Capital Systems LLC and XXXX  that any further inaccurate or unverifiable reporting after this notice may subject them to statutory and punitive damages under the FCRA and FDCPA.

Company response to consumer: Closed with explanation