Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Credit Information Account with Jefferson Capital LLCAccount Number : Not listed so how is it accurate Reported Balance : $ XXXX Opened : XX/XX/XXXX, XXXX Balance : $ XXXX Status : Open ( with conflicting remarks indicating Closed ) Remarks : Consumer disputes- reinvestigation in progress ; Collection account Dear : Jefferson Capital LLC This letter serves as my formal written dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding the above-referenced account reported by Jefferson Capital LLC . I am disputing the accuracy, completeness, and verifiability of this information on my credit report. Pursuant to 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of this disputed information within 30 days of receipt of this dispute. This includes forwarding all relevant information to the furnisher ( Jefferson Capital LLC ) via an Automated Credit Dispute Verification ( ACDV ) form through the e-OSCAR system and requiring them to comply with their duties under 15 U.S.C. 1681s-2 ( b ). 
Specific Inaccuracies and Violations : 1. Inaccurate Account Status and XXXX XXXX Compliance Issues : The account is reported as Open with a current balance of {$3800.00}, but the remarks contradict this by stating Closed and identifying it as a Collection account. This is patently inconsistent and violates XXXX XXXX reporting guidelines, which require accurate status codes to reflect the true condition of the account ( e.g., Account Status Code should be 97 for charged-off or 93 for collection if closed, not an open status ). Under XXXX XXXX standards published by the Consumer Data Industry Association ( CDIA ), furnishers must use precise Compliance Condition Codes ( CCCs ) and Account Status Codes to avoid misleading reporting. Reporting an open status on a closed collection account misleads potential creditors about my creditworthiness and violates 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to assure maximum possible accuracy of information. Additionally, this fails to accurately report the furnishers role under XXXX XXXX and FCRA 1681e ( b ), as collection accounts must not be misrepresented as active open accounts.

2. Wrong Date of First Delinquency ( DOFD ) : The reported DOFD is inaccurate [ specify if known ; e.g., reported as X but should be Y ]. This violates 15 U.S.C. 1681c, which governs the obsolescence of negative information and prohibits reporting delinquent accounts beyond seven years from the DOFD. An incorrect DOFD artificially extends the reporting period, causing ongoing harm to my credit score. 
XXXX. Lack of Verification of Ownership and Debt Validity : Jefferson Capital LLC has not provided proof of ownership of this alleged debt, including the chain of title from the original creditor. I demand verification of the debts ownership, including the original signed contract, assignment documents, and accounting records showing how the balance was calculated. Under FDCPA 1692g, debt collectors must validate debts upon request, and failure to do so here compounds the FCRA violations. The furnishers upload of unverified or false data through e-OSCAR constitutes misleading electronic communication, potentially amounting to wire fraud under 18 U.S.C. 1343, as it involves interstate transmission of inaccurate information for the purpose of harming my credit. I reserve the right to report this to appropriate authorities if not rectified. 
4. Failure to Conduct Reasonable Investigation : Previous disputes ( as noted in remarks : Consumer disputes - reinvestigation in progress ) appear to have been handled inadequately, likely through automated e-OSCAR processes without manual review. Under 15 U.S.C. 1681s-2 ( b ), the furnisher is legally required to : ( a ) conduct a reasonable investigation of the disputed information ; ( b ) review all relevant information provided by the CRA ; and ( c ) modify, delete, or permanently block the reporting of unverifiable or inaccurate information. Mere automated verification without substantiating documents does not suffice. Case law supports this : In XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court held that furnishers violate 1681s-2 ( b ) by failing to reasonably investigate disputes. Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court affirmed that furnishing inaccurate information without proper investigation breaches FCRA duties. 
XXXX. Unauthorized Permissible Purpose : The furnisher may have accessed or reported my credit information without a permissible purpose under 15 U.S.C. 1681b. If this debt is not legitimately owned or verifiable, any reporting violates this section. 
XXXX. Status Code Violations Under XXXX XXXX : The reported No Info for Type, Responsibility, and Original Creditor Name indicates incomplete reporting, violating XXXX XXXX guidelines that require full and accurate fields ( e.g., ECRA Code for responsibility, XXXX Segment for XXXX XXXX ). This incompleteness renders the tradeline misleading and inaccurate under FCRA 1681e ( b ). The CDIAs Credit Reporting Resource Guide ( CRRG ) mandates precise coding to ensure compliance, and failures here warrant deletion.

Demands : * Permanent Deletion : Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), delete this account entirely from my credit file if the furnisher can not verify its accuracy and completeness within the statutory timeframe. Provide me with the method of verification used, including all documents reviewed, as required by case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which emphasizes the need for substantive investigations beyond automation. 
* Updated Credit Report : Send me an updated copy of my credit report showing the deletion or corrections. 
* Compensation for Violations : I demand compensation for the willful or negligent violations under FCRA 1681n and 1681o, including actual damages ( e.g., denied credit opportunities, higher interest rates ), statutory damages up to {$1000.00} per violation, punitive damages, and attorney fees if applicable. These inaccuracies have caused me emotional distress, financial harm, and reputational damage. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), courts recognized that unreasonable investigations can lead to liability for such damages. 
* Cease and Desist Reporting : Instruct the furnisher to cease reporting this information and mark it as disputed under XXXX XXXX guidelines during investigation. 
* ACDV Process Compliance : Ensure the XXXX sent to the furnisher includes all details of this dispute, requiring them to respond with specific verification codes ( e.g., Response Code 01 for verified accurate, or XXXX for delete if unverifiable ) and supporting documentation. Automated responses without evidence will not satisfy FCRA requirements.

This dispute is submitted in ACDV-compatible format to facilitate processing through e-OSCAR while demanding a non-automated, thorough review to beat superficial verifications. Failure to comply may result in legal action, including a private right of action under FCRA. I incorporate by reference all applicable UCC provisions, including UCC 1-308 ( reservation of rights ).

Without Prejudice UCC 1-308,

Company response to consumer: Closed with explanation