Consumer complaint received 2025-01-10 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX RE : Debt Validation Pursuant to XXXX XXXX XXXX ( c ) To Whom It May Concern : This letter serves as a formal and final demand for the immediate validation and deletion of the alleged debt reported on my consumer credit profile, in accordance with federal law. 
Under Regulation F ( 12 CFR Part 1006 ) of the Fair Debt Collection Practices Act ( FDCPA ), which became effective XX/XX/XXXX, you are required to validate any debt you report to consumer reporting agencies. Your company, Jefferson Capital Systems, has unlawfully " parked '' this alleged debt on my credit report without meeting the legal obligations to properly validate the debt beforehand. This action constitutes a violation of FDCPA 1006.30 ( a ). 
Furthermore, 15 USC 1681b ( 2 ) of the Fair Credit Reporting Act ( FCRA ) prohibits the use or dissemination of my private information without a permissible purpose. By reporting this alleged debt to consumer reporting agencies without my written consent, you have violated my legal rights. 
Your unauthorized use of my personal data also constitutes Aggravated Identity Theft under 18 U.S.C. 1028A, which is a felony offense punishable by up to two years of imprisonment. Your actions demonstrate reckless disregard for my rights and privacy.

DEMAND TO CEASE AND DESIST : Pursuant to 15 USC 1692c ( c ), I am notifying you in writing to cease all communication regarding this alleged debt and immediately remove it from all consumer reporting agencies. I explicitly refuse to pay this alleged debt, which you have failed to properly validate in accordance with 15 USC 1692g ( b ).

DUTY TO PROVIDE ACCURATE INFORMATION : Under 15 USC 1681s-2, as a furnisher of information, you are prohibited from reporting inaccurate, incomplete, or erroneous information to consumer reporting agencies. Specifically : 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits reporting information with actual knowledge of errors.

15 USC 1681s-2 ( a ) ( 1 ) ( B ) : Prohibits reporting information after notice and confirmation of errors. 
I have formally notified you of the inaccuracies in this account. Your continued reporting of this alleged debt is a blatant violation of these provisions. 
FINAL DEMAND : You have XXXX calendar days from the date of receipt of this letter to : XXXX. Permanently delete the following account ( XXXX ) from all consumer reporting agencies : o Account Name : Jefferson Capital Systems XXXX Account Number : XXXX XXXX. Provide written confirmation of the account deletion and send me an updated copy of my consumer report reflecting these changes. 
Failure to comply will result in immediate legal action for violations under the following statutes : FDCPA 1692g ( failure to validate the debt ).

FCRA 1681n and 1681o ( willful and negligent noncompliance ). 
Defamation of character for reporting inaccurate and damaging information. 
Negligent Enablement of Identity Fraud due to unauthorized use of my personal information. 
Additionally, I will seek statutory damages of {$1000.00} per violation, as well as compensation for the financial and emotional harm caused by your unlawful reporting practices. 
LEGAL NOTICE : This letter constitutes my final notice and opportunity to cure. Non-compliance will escalate to formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal proceedings in federal court. 
This is not a negotiation. The law is clear, and I fully intend to fully exercise my rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation