Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
This document is a formal Notice of Dispute and Demand for Correction, structured as a sworn declaration. It incorporates protections under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and relevant state statutes. 
SWORN AFFIDAVIT OF DEBT DISPUTE AND IDENTITY THEFT TO : Jefferson Capital Systems , LLC DATE : XX/XX/XXXX SUBJECT : Notice of Fraudulent Reporting and Demand for Immediate Deletion I, XXXX XXXX XXXX, appearing as a resident of XXXX XXXX, Nevada, hereby declare under penalty of perjury that the following statements are true and correct to the best of my knowledge : 1. Statement of Dispute I formally dispute the validity of the debt ( s ) listed by Jefferson Capital Systems , LLC regarding a purported XXXX account in the amount of {$1000.00}. This debt has been reported identically twice on the same day, which constitutes inaccurate and duplicative reporting. I have never entered into a contract with Jefferson Capital Systems , LLC, nor have I ever held an account with XXXX 
2. Evidence of Fraud and Identity Theft The reporting of this account is demonstrably fraudulent based on the following facts : Inaccuracy of Timeline : The account is claimed to have been opened on XX/XX/XXXX. On that date, I was hospitalized and unable to engage in commercial transactions of this nature. 
Prior Identity Theft : I have a documented history of identity theft dating back to XX/XX/XXXX, involving the loss/theft of my U.S. Passport ( officially confiscated/flagged by authorities on XX/XX/XXXX ). 
Statutory Violations : The duplication of this entry and the failure to verify the identity of the debtor violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) regarding the responsibilities of furnishers to provide accurate information.

3. Applicable Laws and Protections The actions taken by Jefferson Capital Systems , LLC fall under the jurisdiction of the following : Federal Law ( FCRA & FDCPA ) : Under the FDCPA, continued collection efforts on a disputed or fraudulent debt are prohibited. Under the FCRA, furnishers must investigate and delete unverifiable or inaccurate information within 30 days.

Nevada Law ( NRS 598C ) : Nevadas Fair Credit Reporting act provides state-level protections against the reporting of inaccurate credit information and allows for the recovery of damages for willful or negligent noncompliance.

Minnesota Law ( SF 2909 ) : As Jefferson Capital Systems is headquartered in Minnesota, they are subject to the Minnesota Debt Buyer Reform Act, which mandates strict evidentiary standards for debt substantiation.

4. Demand for Resolution and Compensation I demand the following actions be completed within thirty ( 30 ) business days : Immediate Deletion : Permanent removal of both duplicate entries from all credit reporting agencies ( XXXX XXXX XXXX XXXX 
Cease and Desist : Immediate cessation of all collection activity regarding this fraudulent account.

Notice of Deletion : Written confirmation sent to my address ( XXXX XXXX XXXX, XXXX XXXX, NV XXXX ) verifying the account has been closed and suppressed. 
Failure to rectify this matter may entitle me to statutory damages of {$1000.00} per violation, actual damages for emotional distress and credit harm, and punitive damages for willful non-compliance. 
5. Intent to Seek Counsel If this matter is not resolved within the 30-day statutory window, I am prepared to retain legal counsel. Please be advised that under 15 U.S.C. 1681n, a prevailing consumer is entitled to recovery of court costs and reasonable attorney 's fees. Continued negligence after this formal notice will be used as evidence of " willful '' misconduct.

Digital Signature : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation