Consumer complaint received 2024-10-17 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: FL

Complaint narrative:
Re : Dispute of Account Account Number : XXXX Original Creditor : XXXX Balance : {$1800.00} Subject : Immediate Deletion Request Due to Inaccurate Reporting and Violations of Consumer Protection Laws Dear Jefferson Capital Systems, I am writing to formally dispute the validity and accuracy of the collection account referenced above, which is being reported to the credit bureaus by your company. This account contains errors and violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692. As such, I demand the immediate deletion of this account from my credit file. 

Violations : Failure to Provide Validation : According to FDCPA 15 USC 1692g, debt collectors must provide verification of the debt upon request. I have not received any valid documentation proving this debt belongs to me, nor have I signed any agreements with your company. Failure to validate this debt within the legally mandated time frame is a violation of federal law. 

Inaccurate Reporting : Under FCRA 15 USC 1681i, any inaccurate or unverifiable information must be corrected or deleted from the consumers credit report. The reporting of this account as a valid debt without proper validation is a breach of this regulation, and I have the right to have it removed immediately. 

Violation of Privacy : Sharing my private information, such as my Social Security Number ( SSN ), without my explicit consent, and continuing to report this account on my credit report, constitutes a violation of my privacy rights. According to the Gramm-Leach-Bliley Act ( GLBA ), creditors must safeguard consumer information and ensure it is not misused. 

Deceptive Practices in Collection : Under FDCPA 15 USC 1692e, it is illegal for a debt collector to use deceptive means to collect a debt. Without proper validation, continuing to report and attempt collection on this debt is a deceptive act and a violation of federal law. 

Legal Demands : I request that this account be immediately removed from my credit report across all bureaus ( XXXX, XXXX, XXXX ) due to the above violations. 
I request that Jefferson Capital Systems cease any further collection attempts and communication regarding this debt, as required by law. 
I request written confirmation within 30 days that this account has been deleted from my credit report and that no further action will be taken. 
Failure to comply with this request may result in legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing claims for damages as allowed under federal law. 

Please treat this communication as my formal notice under FDCPA 15 USC 1692c, that I wish to have no further contact from your agency, except for written confirmation of the deletion. 

Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation