Consumer complaint received 2025-02-03 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX SSN : XXXX XXXX : XXXX Phone Number : XXXX XXXX. DISPUTE LETTER TO XXXX ( FCRA VIOLATION DEMAND FOR IMMEDIATE DELETION XXXX XXXX Department po box XXXX XXXX, TX XXXX RE : FORMAL DISPUTE & DEMAND FOR DELETION UNDER FCRA To Whom It May Concern, Pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), I am formally disputing the inaccurate and unverified account appearing on my credit report. You are hereby put on notice that the following account is being erroneously reported and must be immediately deleted due to non-compliance with federal consumer protection laws. 
Furnisher : Jefferson Capital Systems Original Creditor : XXXX XXXX  Account Number : [ Insert Partial Account Number ] Date Opened : XX/XX/year> Balance : {$760.00} FCRA VIOLATIONS MANDATORY DELETION REQUIRED BY LAW 1. VIOLATION OF 15 U.S.C. 1681e ( b ) DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY XXXX has failed to ensure maximum possible accuracy, as mandated by 1681e ( b ), which states : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Since the furnisher has not provided legally sufficient documentation proving I owe this alleged debt, this entry must be deleted immediately per statutory requirements. 
2. VIOLATION OF 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) FAILURE TO CONDUCT A REASONABLE INVESTIGATION Upon dispute, a credit bureau must conduct a reasonable reinvestigation within 30 days. The law states : If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer and the consumer notifies the agency directly, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is accurate. 
Any reinvestigation must produce original, verifiable documentation, not mere confirmation from the furnisher. If no valid proof exists, this account must be permanently deleted. 
3. VIOLATION O

F 15 U.S.C. 1681b ( a ) IMPERMISSIBLE REPORTING WITHOUT CONSENT Under 1681b ( a ), a credit reporting agency may only report accounts with a permissible purpose under the law. No such permissible purpose exists for reporting fraudulent, inaccurate, or unverified debts. DEMAND FOR IMMEDIATE ACTION Given these clear legal violations, Experian is required to : 1. IMMEDIATELY DELETE THIS ACCOUNT from my credit file under FCRA 1681i ( a ) ( 5 ).

2. Provide written confirmation of the deletion within 15 days.

3. Cease all reporting of unverified information and prevent re-insertion per 1681i ( a ) ( 5 ) ( B ).

Failure to comply will result in legal action under 15 U.S.C. 1681n, which entitles me to actual damages, statutory damages of up to {$1000.00} per violation, attorneys fees, and punitive damages for willful noncompliance.

I expect a written response confirming deletion within 15 days.

Sincerely, 2. DEBT VALIDATION LETTER TO JEFFERSON CAPITAL SYSTEMS ( FDCPA VIOLATION DEMAND FOR VERIFICATION ) Sent via Certified Mail # [ Insert Tracking Number ] Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR DEBT VALIDATION UNDER FDCPA 809 To Whom It May Concern, Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), this is a formal request for debt validation regarding the account you have reported to the credit bureaus. This is NOT a refusal to pay but a demand for strict proof of the alleged obligation. 
Furnisher : Jefferson Capital Systems Original Creditor : Klarna Credit Account Number : [ Insert Partial Account Number ] Date Opened : XX/XX/year> Balance : {$760.00} LEGAL REQUIREMENTS UNDER FDCPA YOU MUST PROVIDE THE FOLLOWING DOCUMENTATION : Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until proper validation is provided. This includes : 1. A signed contract or agreement proving I entered into a legally binding financial obligation with XXXX XXXX. 
2. A bill of sale or assignment agreement proving you have legal standing to collect this debt.

3. A complete payment and account history, including all charges, interest, and fees assessed.

4. Proof that Jefferson Capital Systems has a permissible purpose to report this account under 15 U.S.C. 1681b ( a ).

VIOLATIONS & POTENTIAL LEGAL LIABILITY If you fail to provide proper validation, you are in violation of the FDCPA and FCRA. Specifically : 1. FDCPA 809 ( b ) states that if the consumer disputes the debt : The debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment. 

You are legally required to stop all collection activity until validation is provided. 
2. FCRA 1681s-2 ( b ) ILLEGAL CREDIT REPORTING WITHOUT VERIFICATION Jefferson Capital Systems may not furnish or report inaccurate or unverified information under this law.

DEMAND FOR IMMEDIATE ACTION 1. Cease all collection efforts immediately until verification is provided.

2. Provide legally valid documentation within 15 days.

3. If unable to validate, delete the account from all credit reports. 

Failure to comply will result in legal action, including a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

I expect a response within 15 days. 

Sincerely,

Company response to consumer: Closed with explanation