Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX Scenic XXXX XXXX XXXX, TX XXXX XX/XX/year> Consumer Financial Protection Bureau Dear Consumer Financial Protection Bureau, Subject : Complaint Regarding Fraudulent Reporting of Items Related to Identity Theft Account # XXXX I am writing to formally file a complaint regarding fraudulent items reported on my credit file that are directly linked to a data breach in which my personal information was compromised. As a result of this breach, I have been a victim of identity theft, and the items listed by JJEFFERSON CAPITAL SYSTEMS, LLC are not only inaccurate but also violate consumer protection laws related to the fair and accurate reporting of credit information. 

Details of the Complaint My personal information, including my Social Security number and other sensitive data, was exposed in a data breach. 
Since the breach, I have discovered unauthorized accounts or transactions reported by JEFFERSON CAPITAL SYSTEMS , LLC, which I did not initiate or authorize. 
Despite disputing these items with the company and providing proof that they stem from identity theft, they have failed to adequately investigate and remove these items. 
This companys actions break provisions of the Fair Credit Reporting Act ( FCRA ), particularly : The duty to investigate disputed items thoroughly. 
The obligation to ensure the accuracy of items reported to credit bureaus. 
Impact on Me These false reports have negatively impacted my credit score and caused financial and emotional distress. I have taken every step within my power to rectify the situation, including : Filing an identity theft report with the Federal Trade Commission ( FTC ). 
Placing fraud alerts on my credit file with all major credit bureaus. 
Contacting the reporting company directly to dispute these items. 
Despite these efforts, the company has failed to comply with its legal obligations, leaving these fraudulent items unresolved. 

Requested Next Steps I am requesting the Consumer Financial Protection Bureau to take the following actions : Investigate the actions of JEFFERSON CAPITAL SYSTEMS , LLC regarding their failure to address fraudulent items stemming from identity theft. 
Require the company to remove all inaccurate or unauthorized items from my credit file immediately. 
Impose any applicable penalties on the company for failing to comply with FCRA regulations. 
Ensure the company implements stronger measures to prevent such negligence in the future. 

Supporting Documentation Enclosed with this letter are the following documents to support my complaint : A copy of my FTC Identity Theft Report. 

Thank you for your attention to this matter. I trust that the CFPB will act promptly to resolve this issue and hold the company accountable for its failure to comply with federal regulations. Please do not hesitate to contact me at XXXX or XXXX if you require any additional information or documentation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation