Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : SECOND FORMAL DEMAND FOR IMMEDIATE CORRECTION AND DELETION OF REPORTING IN RE : Account Nos. Ending in [ Account XXXX XXXX ] and [ Account XXXX XXXX ] - Conflict of Furnishing Authority and Bankruptcy Status To Whom It May Concern, This communication constitutes a formal legal demand in response to your interim statement regarding the disposition of XXXX alleged Premier XXXX XXXX accounts acquired by Jefferson Capital Systems , LLC ( XXXX ). This correspondence serves as a renewed dispute of the accounts and is not an acknowledgment or admission of debt. 
I. Acknowledgement and Furnisher Responsibility Your internal documentation confirms that JCS acquired the XXXX subject accounts ( JCS Reference Nos. XXXX and XXXX ) from XXXX XXXXXXXX XXXX and that both accounts are included in a duly filed Chapter XXXX Bankruptcy, XXXX XXXX. XXXX, filed XX/XX/XXXX. 
You assert : Jefferson Capital Systems XXXX has not reported either account to the credit bureaus. 
This assertion creates an immediate, severe, and actionable inaccuracy under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), which imposes duties on furnishers. As the confirmed purchaser and current owner of the debt, JCS is the responsible furnisher for the tradelines associated with these debts, regardless of whether the original creditor is technically the party transmitting the data. 
XXXX. Demonstrated Inaccuracies in Furnished Data Despite your statement, the credit reports continue to display materially inaccurate information furnished under the XXXX XXXX XXXX trade line, which : XXXX. Misidentifies the Furnisher : The reports list the accounts under XXXX XXXX Bank while simultaneously carrying notations that the accounts were " PURCHASED BY ANOTHER LENDER '' and " Account Transferred or Sold ''. This creates confusion and misrepresentation regarding the legal status and reporting authority of the debt, violating the requirement for furnishing accurate information. 
XXXX. Omits Legal Status ( TransUnion ) : An analysis of my TransUnion file reveals the complete omission of the required Chapter XXXX Bankruptcy notation for both accounts. This omission of critical public record information, confirmed by XXXX to be true, renders the reporting on TransUnion fundamentally incomplete and non-compliant with FCRA standards. 
XXXX. Conflict of Reporting Responsibility : By confirming ownership but denying reporting, XXXX places itself in violation of its duty to ensure the information reported to the XXXX XXXX XXXX ( CRAs ) is accurate and complete, per the FCRA. If XXXX XXXX Bank continues to report a debt that XXXX now owns, XXXX must exercise its authority to compel the cessation of reporting or the correction of the tradeline under the proper entity name ( Jefferson Capital Systems , LLC ). 
XXXX. Formal Demand Considering your denial of reporting responsibility and the confirmed inaccuracies concerning the debt 's owner and legal status, I hereby demand the following actions be completed immediately : XXXX. IMMEDIATE DELETION : Based on XXXX 's written assertion that it is not reporting the accounts, both original trade lines associated with the acquired XXXX XXXX XXXX accounts must be permanently deleted from the files of Equifax, Experian, and TransUnion within XXXX ( XXXX ) days of receipt of this letter. 
XXXX. FCRA/FDCPA Notice : Failure to instruct the deletion of accounts for which XXXX denies XXXX responsibility, yet continues to be reported inaccurately by the previous owner, will be deemed a willful violation of 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692e ( false and misleading representations ), and may result in the filing of a civil action seeking statutory and punitive damages.

I expect written confirmation within ten ( 10 ) business days detailing the steps JCS has taken to comply with this demand, including notification of the CRAs regarding the mandated deletion. I will monitor my credit files for the required changes. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation