Consumer complaint received 2024-11-18 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: NY

Complaint narrative:
Summary of Violations and Allegations : This complaint is filed to demand urgent intervention and enforcement action against Jefferson Capital LLC for blatant and willful noncompliance with federal consumer protection laws. On XX/XX/year>, I served Jefferson Capital LLC with a formal notice titled " Notice to Opt-Out of Personal Information Sharing and Refusal to Pay Debt, '' invoking the rights afforded to me under : Fair Credit Reporting Act ( FCRA ), 15 USC 6802 Privacy of Consumer Financial Information regulations XXXX XXXX CFR XXXX Jefferson Capital LLC has deliberately disregarded these federal mandates and failed to comply with their obligations. Their refusal to respond, perform, or confirm compliance represents a direct violation of the law and a gross disregard for consumer rights. 

XXXX. Specific Violations : Jefferson Capital LLC is in clear and unequivocal violation of the following : Privacy Law Violations : The company has ignored explicit instructions to immediately cease and desist from sharing my private and non-public information with any third party without my written consent. This is a breach of federal privacy statutes designed to protect consumers from unlawful dissemination of personal data. 
Debt Collection Malpractice : Jefferson Capital LLC has failed to address my written refusal to pay a disputed debt, a violation of the requirements under applicable debt collection laws that mandate validation and resolution. Their silence perpetuates harm and constitutes bad faith. 
Failure to Provide Required Disclosures : Their non-response obstructs my ability to ascertain whether they are conducting business in compliance with all disclosure and validation requirements under federal law. 

XXXX. Impact on Me as a Consumer : Their actionsor deliberate inactionhave caused me significant harm, distress, and inconvenience, including but not limited to : Unauthorized Use of My Private Information : The company has potentially continued to share my personal data with third parties, violating my privacy and exposing me to fraud, identity theft, and misuse of my information. 
Emotional and Financial Stress : The unresolved debt, combined with Jefferson Capital LLCs refusal to engage or comply, has caused mental anguish and jeopardized my financial stability. 
Erosion of Trust in Financial Institutions : This behavior exemplifies predatory and contemptuous practices by an entity entrusted with sensitive consumer information. 

XXXX. Remedies and Actions Demanded : I demand the CFPB take immediate and decisive action against Jefferson Capital LLC, including : Full Investigation : Conduct a comprehensive investigation into Jefferson Capital LLCs handling of consumer rights, privacy protections, and debt collection practices. 
Cease-and-Desist Order : Enforce an immediate halt to all unauthorized information sharing and require written confirmation of compliance to me as the affected consumer. 
Mandatory Debt Validation or Dismissal : Compel Jefferson Capital LLC to either validate the alleged debt in accordance with the law or cease all collection attempts permanently. 
Severe Penalties for Noncompliance : XXXX maximum allowable penalties and fines against Jefferson Capital LLC for their egregious and willful violations of federal consumer protection statutes. 
Consumer Compensation : Award compensatory damages to redress the harm inflicted by their illegal practices. 

XXXX. Supporting Documentation : Attached to this complaint are the following documents : A copy of the original notice sent to Jefferson Capital LLC.

Company response to consumer: Closed with explanation