Consumer complaint received 2024-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> Re : Dispute of Collections Action : Case # Account XXXX To Whom It May Concern : I am writing to formally dispute the collections action regarding the account referenced above. It has come to my attention that you have claimed this debt is verified without providing any supporting documentation, including the necessary agreements or contracts between myself and your organization. 
Your assertion of verification, coupled with your failure to provide proper documentation, raises significant legal concerns. It appears you are unlawfully collecting on a debt based on what can only be described as an adhesion contract. Such contracts are inherently unenforceable when they impose obligations on a consumer without clear consent and transparency. Consequently, your actions in pursuing this collection are fraudulent and unacceptable. 
Furthermore, I must bring to your attention that you have contacted a third party regarding this debt, which constitutes a clear violation of the Fair Debt Collection Practices Act ( FDCPA ). Your unauthorized communication with third parties has been ongoing for over XXXX months and is entirely unlawful. This behavior not only infringes upon my rights but also reflects a disregard for compliance with federal regulations. 
The details of the disputed item are as follows : Creditor : JEFFERSON CAPITAL SYST Account # : XXXX Dispute Item and Explanation : Violation Permissible use, Inaccurate reporting of XXXX party Sharing of Private personal Information, not providing original documentation of consumer relationship/debt or promise to pay, or contract. 
I demand immediate proof of the debt, including all relevant documentation that establishes my responsibility. Your previous assertion of verification is insufficient in the absence of such documentation. 
Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), I hereby instruct you to cease all collection efforts immediately. You are prohibited from contacting me or any third parties regarding this matter until you can provide the necessary verification. Additionally, any reporting of this matter to credit reporting agencies is premature and unlawful ; I expect you to rectify any negative reporting that has occurred due to your failures. 
Your next communication must indicate either that the creditor has failed to verify the debt, thereby closing this matter, or that you can provide adequate proof of my responsibility. Should you choose the latter, I require all documents relevant to this debt, including agreements, bills, records of communication, payment history, and any other information substantiating your claim. 
I also explicitly forbid you from contacting any third parties regarding this collection, including my employer, neighbors, or family members. All future correspondence must be conducted in writing. 
Please confirm receipt of this notice within XXXX business days. 
Failure to comply with these demands will leave me with no option but to pursue legal action to protect my rights. 
Sincerely, ________________________________________ XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation