Consumer complaint received 2024-04-25 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:
Subject : Complaint Regarding Unlawful Collection Practices and Inaccurate Credit Reporting Dear Consumer Financial Protection Bureau, XXXX, XXXX, & XXXX I am writing to formally notify you of an unlawful debt collection practice that has resulted in the placement of a collection account reporting under two different names for XXXX and XXXX : Jefferson Capital Sys ( original creditorXXXX XXXX  ) Account # XXXX & Jefferson Capital Systems Account XXXX XXXX on my credit report. Jefferson Capital Systems is responsible for this erroneous entry, being they are not licensed to collect debts in the State of Florida, as verified through the XXXX XXXX XXXX database. The collection account they have furnished on my credit report is not only inaccurate but also violates several provisions of the Fair Credit Reporting Act ( FCRA ) and other laws related to debt collection. 

Here are the specific issues I would like to bring to your attention : 1.Unlicensed Debt Collection : The collection agency that placed this collection on my credit report does not have the proper licensing to collect debts in the State of Florida. I have verified this information through the XXXX XXXX XXXX website, and attached documents which shows that they are not registered to operate as a debt collector in Florida. This violation of licensing requirements is not only a breach of state laws but also raises serious questions about the legitimacy of their activities. 
2.Furnishing Inaccurate Information : The collection account that has been placed on my credit report is not mine. By furnishing this inaccurate information to the credit reporting agencies, the debt collector has violated the FCRA. The FCRA requires data furnishers to ensure the accuracy and completeness of the information they report. Given that this debt collector is not licensed to operate in Florida, their entire basis for reporting this debt is questionable. 
Impact on My Credit and Personal Finances : This erroneous collection account has had a significant negative impact on my credit score, affecting my ability to obtain credit, loans, or housing. The damage caused by this false information is severe, and I am seeking immediate corrective action and expeditious removal. 
3.Legal Ramifications : If this collection account is not removed expeditiously, I will explore all legal remedies available to me, including but not limited to filing a lawsuit for violations of the FCRA and state debt collection laws. The actions of this unlicensed debt collector are not only illegal but also damaging to my financial well-being. Given the gravity o
f these violations, I request that the CFPB, XXXX, XXXX, and XXXX investigate this matter and take appropriate enforcement action. Additionally, I demand that the collection account be removed from my credit report immediately. I would appreciate any guidance or assistance the CFPB can provide to ensure that this issue is resolved quickly and fairly. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation