Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: FL

Complaint narrative:
I submitted a dispute to XXXX  regarding inaccurate and unverifiable information on my credit report. XXXX  completed its reinvestigation and issued results, but multiple violations of federal consumer credit laws have occurred. I have sent a * * certified letter to XXXX  requesting the Method of Verification * *, as they failed to provide this information during their initial response. Additionally, I have sent a * * certified letter to Jefferson Capital Systems requesting validation that the reported debt is acknowledged as mine * *.

1. Unauthorized Disclosure of Consumer Credit Information * * XXXX sent my investigation results and sensitive credit data to a * * temporary address where I was staying * *, not my permanent residence. I did not authorize this address to receive such sensitive information. I became aware of this improper disclosure because the property owner at that address sent me a screenshot from the USPS Informed Delivery feature showing the mailed documents. 

This constitutes : - A violation of the Fair Credit Reporting Act ( FCRA ) 605A and 609, which limit disclosure of consumer credit information to authorized addresses only.

- A failure to implement reasonable procedures to ensure maximum possible accuracy and privacy protections as required by FCRA 607 ( b ).

2. Failure to Conduct a Reasonable Reinvestigation and Provide Method of Verification * * In violation of FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 6 ) ( B ) ( iii ), XXXX  failed to provide me with : - The * * method of verification * * they used during reinvestigation. Under the FCRA, upon consumer request, CRAs must disclose the means used to verify disputed information, including furnishing documentation relied upon. 
- Adequate, documented proof of accuracy ( e.g., account contracts, signed applications, payment histories ), relying solely on furnisher statements without supporting evidence, which is insufficient per case law ( see * XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ) ). 

After receiving no adequate response, I sent a * * certified letter to XXXX  requesting the full Method of Verification and supporting documentation * *, but to date, I have not received a compliant response. 

XXXX. Inclusion of an Unverified Debt : Jefferson Capital Systems Collection * * A collection account from Jefferson Capital Systems was added to my credit report without : - Prior verification that the debt is mine, as mandated under FCRA 609 ( a ) ( 1 ) and 611.

- Provision of a valid debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I have sent a * * certified letter to Jefferson Capital Systems requesting validation that the reported debt is acknowledged as mine * *, as this is the first attempt to resolve this issue. 

This practice violates my rights under the FCRAs accuracy mandate and the FDCPAs consumer protections against inaccurate debt reporting and collection without validation.

Company response to consumer: Closed with explanation