Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau ( CFPB ), I am filing a formal complaint against **Jefferson Capital Systems , LLC** for multiple violations, including unauthorized reporting of my personal financial information, **lack of permissible purpose** for accessing and reporting my information, **identity theft**, **defamation**, and **damages to my credit worthiness, reputation, and privacy**. The actions of **Jefferson Capital** have not only undermined my confidence in the banking system but have caused significant emotional and financial distress.

Below, I outline the violations and the compensation I am seeking for each.

-- - # # # **1. Lack of Permissible Purpose for Accessing and Reporting My Personal Information** Under the **Fair Credit Reporting Act ( FCRA ) **, third parties are only permitted to access and report my personal financial information if they have a **legitimate permissible purpose**. **Jefferson Capital** has reported information about my debt to the credit bureaus, but I have **never authorized** them to access or report this information.

I request the following from **Jefferson Capital** : - **Proof of a permissible purpose** for accessing and reporting my personal information to the credit bureaus, - **Proof of a wet signature** on any document related to the transfer or collection of this debt.

For this violation, I demand XXXX XXXX XXXXXXXX in compensation under the **Fair Credit Reporting Act**. 

-- - # # # **2. Defamation of Character and Damaged Reputation** The unauthorized reporting of this debt has caused severe harm to my reputation. As a result, I am deeply disturbed by the damage done to my personal and professional standing.

**Jefferson Capital** 's reporting of this debt, which was done without my permission, has defamed my character, undermining my **credit worthiness**, **reputation**, and **personal integrity**. This **misleading information** is damaging not only my ability to obtain future credit but also tarnishing my reputation in the community.

I request : - Immediate **deletion** of all negative, misleading, or inaccurate information from my credit reports across all three major credit bureaus ( XXXX XXXX XXXX and XXXX ), - Written confirmation that **all erroneous information** has been removed. 

For these violations, I am demanding XXXX XXXX XXXX each for the following : - **Defamation of character**, - **Damaged reputation**. 

-- - # # # **3. Damage to Credit Worthiness and Mode of Living** The false reporting of this debt has seriously damaged my **credit score** and **creditworthiness**, impacting my financial opportunities, including access to loans, housing, and employment. Additionally, this situation has affected my **mode of living**, causing stress and hardship.

I request the following : - **Immediate deletion** of the erroneous information from my credit reports, - Written confirmation that **all incorrect information** has been deleted, and **corrected reports** are issued.

For these violations, I am demanding XXXX XXXX for the damage to my **credit worthiness** and XXXX XXXX XXXX for the damage to my **mode of living**. 

-- - # # # **4. Infringement on Right to Privacy** The unauthorized access and use of my personal data is an infringement on my **right to privacy** under both the **Fair Credit Reporting Act ( FCRA ) ** and the **Gramm-Leach-Bliley Act ( GLBA ) **. **Jefferson Capital** has reported information about me without my consent and has violated my personal privacy.

I request : - Detailed documentation about how my personal information was accessed and shared by **Jefferson Capital** , - Proof that **Jefferson Capital** followed all **privacy protections** under the law.

For this violation, I am demanding XXXX XXXX XXXX in compensation for the infringement on my **right to privacy**. 

-- - # # # **5. Identity Theft** The unauthorized transfer of my personal financial information and the reporting of inaccurate debt by **Jefferson Capital** constitutes **identity theft**. Under **18 U.S.C . 1028 ( b ) ( 1 ) ( A ) ( ii ) **, this is classified as **aggravated identity theft** because **Jefferson Capital** has knowingly used my personal data without my consent. This is a criminal offense and a direct violation of my rights under the **Fair Credit Reporting Act**.

I demand : - Immediate **deletion of all erroneous and unauthorized reporting** from my credit reports, - Compensation for the violation of my **identity rights**, including the emotional and financial harm caused. 

For this violation, I am demanding XXXX XXXX XXXX in compensation for **identity theft** under **18 U.S.C. 1028 ( b ) ( 1 ) ( A ) ( ii ) **.

-- - # # # **Total Compensation Demand : ** The total amount of compensation I am seeking for the violations committed by **Jefferson Capital** is as follows : 1. **Permissible Purpose Violation** : {$1000.00} 2. **Defamation of Character** : {$1000.00} 3. **Damaged Reputation** : {$1000.00} 4. **Damaged Credit Worthiness** : {$1000.00} 5. **Damaged Mode of Living** : {$1000.00} 6. **Infringed on Right to Privacy** : {$1000.00} 7. **Identity Theft ( Aggravated ) ** : {$1000.00} **Total Compensation : XXXX XXXXXXXX -- - # # # **Demand for Arbitration** In addition to the compensation outlined above, I am invoking my rights as a consumer and demanding that this dispute be resolved through **arbitration**. I believe the violations committed by **Jefferson Capital** require an immediate and fair resolution outside of court, and I request that **arbitration** proceedings begin as soon as possible.

-- - # # # **Request for Resolution** To resolve this matter, I am requesting the following actions from **Jefferson Capital** : 1. **Provide proof of permissible purpose** for accessing and reporting my personal information to the credit bureaus, 2. **Provide proof of the legal right** of **Jefferson Capital** to collect this debt, including the **debt transfer** and **debt validation** documentation, 3. **Provide proof of a wet signature** for any documents related to this debt collection process, 4. **Compensate me** with XXXX XXXX in total for the violations listed above, 5. **Immediately delete** all **negative, misleading, or inaccurate information** reported by **Jefferson Capital** from my credit reports with XXXX XXXX, and XXXX*, 6. **Cease all collection attempts** until proper documentation is provided, 7. **Immediately initiate arbitration** to resolve this matter.

Company response to consumer: Closed with explanation