Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unlawful credit reporting by Jefferson Capital Systems, a collection agency that is reporting a collection account on my consumer credit reports that does not belong to me. This account is the result of identity theft. I did not open, authorize, or benefit from the account being reported, and I have formally documented this fraud by filing an Identity Theft Report with the Federal Trade Commission ( FTC ). 

Despite the fraudulent nature of this account and my actions to report identity theft, Jefferson Capital Systems continues to report the account as a valid collection obligation. This ongoing reporting has caused substantial harm to my credit profile and has forced me to seek regulatory assistance. 

XXXX OF THE FRAUDULENT ACCOUNT I became aware of the issue after reviewing my credit reports and discovering a collection account reported by Jefferson Capital Systems. The account was listed as past due, unsatisfied, and in collections. I did not recognize the account, had no prior relationship with Jefferson Capital Systems regarding this alleged debt, and had no recollection of opening or authorizing any account associated with this reporting. 

Because the account was unfamiliar and inconsistent with my financial history, I immediately suspected fraud. I carefully reviewed my personal records and credit history and confirmed that the account was not the result of my actions. 

DETERMINATION THAT THE ACCOUNT IS NOT MINE After discovering the collection account, I took reasonable steps to verify whether the debt was legitimate. I reviewed my financial records and found no evidence that I opened, used, or authorized the account being reported by Jefferson Capital Systems. 

I did not sign any agreement, did not apply for credit associated with this account, and did not receive any goods or services related to it. There is no contractual relationship between me and the original creditor underlying this alleged debt. 

Based on these findings, I concluded that my personal information was used without my permission, and that the account is the result of identity theft. 

FTC IDENTITY THEFT REPORT FILED To formally document the fraud, I filed an Identity Theft Report with the Federal Trade Commission ( FTC ). This report establishes that the account reported by Jefferson Capital Systems is not mine and was created or used through unauthorized means. 

An FTC Identity Theft Report is a recognized legal document that triggers specific consumer protections under federal law. Once identity theft is reported, collection agencies are required to take steps to block and remove fraudulent information from consumer credit reports. 

JEFFERSON CAPITAL SYSTEMS CONTINUED REPORTING Despite my identity theft report and the disputed nature of the account, Jefferson Capital Systems continues to report this collection account on my credit reports. 

Jefferson Capital Systems has failed to provide any documentation showing that : I opened or authorized the account I agreed to any terms creating a debt I benefited from the alleged account The account is legally enforceable against me The account is not the result of identity theft Instead of ceasing reporting and collection activity, Jefferson Capital Systems has continued to furnish derogatory information as if the account were legitimate. 

FAILURE TO COMPLY WITH IDENTITY THEFT PROTECTIONS Federal law provides specific protections for victims of identity theft, including the right to have fraudulent information blocked from credit reports. Once a consumer submits an FTC Identity Theft Report, furnishers and collection agencies must take appropriate corrective action. 

Jefferson Capital Systems continued reporting of this account indicates a failure to comply with these protections. Simply asserting that the account was verified does not satisfy the obligation to address identity theft claims or to produce documentation linking the debt to the consumer. 

LACK OF VALIDATION AND DOCUMENTATION Jefferson Capital Systems has not provided any original documentation validating the alleged debt. Specifically, the company has failed to produce : A signed application or contract Proof of identity verification at account origination Billing statements showing my usage of the account Evidence linking me to the alleged obligation Without such documentation, there is no lawful basis for Jefferson Capital Systems to continue reporting this account. 

INACCURATE AND HARMFUL CREDIT REPORTING The fraudulent collection account reported by Jefferson Capital Systems has been listed as derogatory, past due, and unsatisfied. This inaccurate reporting has materially damaged my credit profile and has affected my ability to obtain fair financial opportunities. 

As long as this account remains on my credit reports, the harm continues. The reporting is not only inaccurate, but misleading to anyone reviewing my credit history. 

FAILURE TO MEET ACCURACY STANDARDS Jefferson Capital Systems is obligated to ensure that the information it furnishes meets the standard of accuracy required by law. Reporting an account that is the result of identity theftafter receiving notice through an FTC reportfails this standard. 

The continued reporting of this account reflects a lack of reasonable investigation and disregard for consumer protections. 

EMOTIONAL AND PRACTICAL IMPACT Beyond financial harm, this situation has caused significant stress and inconvenience. Discovering identity theft and then having to repeatedly address inaccurate reporting by a collection agency has been emotionally taxing. 

I have had to devote considerable time to monitoring my credit, filing reports, and attempting to correct errors that should not exist. 

ATTEMPTS TO RESOLVE THE MATTER I have acted responsibly and in good faith by filing an FTC Identity Theft Report and disputing the collection account. Rather than resolving the issue, Jefferson Capital Systems has continued reporting the account without providing proof that it belongs to me. 

This has left me with no choice but to seek assistance through the Consumer Financial Protection Bureau.

WHY CFPB INTERVENTION IS NECESSARY This matter falls squarely within the CFPBs oversight because it involves identity theft, inaccurate credit reporting, and improper collection practices.

CFPB intervention is necessary to ensure that Jefferson Capital Systems complies with federal law and corrects its reporting. 

REQUESTED OUTCOME I am requesting that Jefferson Capital Systems be required to : Recognize the account as fraudulent and the result of identity theft Permanently delete the collection account from all consumer credit reports Cease all collection and reporting activity Ensure the account is not reinserted in the future Comply fully with identity theft protections CONCLUSION The collection account reported by Jefferson Capital Systems does not belong to me and is the result of identity theft. I have documented this fraud by filing an FTC Identity Theft Report. Despite this, Jefferson Capital Systems continues to report the account, causing ongoing harm. 

I am not refusing to pay a legitimate debt. I am asserting my rights as a victim of identity theft and requesting removal of fraudulent information from my credit reports. Continued reporting of this account is inaccurate, unfair, and unlawful. 

I respectfully request the CFPBs assistance in ensuring that Jefferson Capital Systems corrects this matter and removes the fraudulent collection account permanently.

Company response to consumer: Closed with explanation