Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX Re : Dispute of Collection Account Account Number for Equifax Report ending on XXXX and for XXXX  ending XXXX. 

To Whom It May Concern, This letter is a formal dispute of the validity and accuracy of a collection account reportedly associated with your agency, " Jefferson Capital, '' which recently appeared on my credit report with XXXX  and TransUnion. I am asserting my rights under federal law, including the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) and other relevant consumer protection laws.

I have never received any written communication, telephone call, notice of debt, or any documentation that substantiates the validity of this account. I am requesting immediate validation and verification of this alleged debt as required by 15 U.S.C. 1692g ( b ) under the Fair Debt Collection Practices Act ( FDCPA ). Until proper validation is provided, you must cease all collection activity and reporting to the credit bureaus. 

Furthermore, under the FCRA, it is your duty to ensure that all information reported is complete, accurate, and verifiable. Reporting a debt without proper investigation or notification is a direct violation of 15 U.S.C. 1681e ( b ), which requires that data furnishers maintain maximum possible accuracy.

Additionally, under Metro 2 credit reporting standards, an account can not be reported as a collection account without complete and accurate documentation, including : Date of first delinquency ( DOFD ) Original creditor name Complete chain of title from original creditor to current collector Notice of right to dispute within 30 days To date, I have not received any such notice. Continued reporting without these items in place violates both Metro 2 compliance guidelines and the Consumer Data Industry Association ( CDIA ) standards.

Case law supports my position. In XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the court held that a credit reporting agency violates the FCRA if it relies solely on the data furnishers verification without conducting an independent investigation. If you can not validate this debt with competent evidence, you must request its immediate deletion from all consumer reporting agencies. 

Demand for Relief : Immediate removal of the Capital Jefferson account from all credit reporting agencies ( XXXX  and XXXX ). 

Full validation of the debt, including : Signed contract or agreement with my name Complete payment history Proof of assignment or ownership of the debt Proof that I was notified of the debt per the FDCPA Written confirmation that this account has been removed or validated within 30 days as required under federal law. 

If you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General, and may pursue legal action for violations of the FCRA, FDCPA, and other applicable laws. 

Please treat this letter as a notice of dispute under 15 U.S.C. 1681i and a demand for reinvestigation under 15 U.S.C. 1681s-2 ( b ). 

Attached copy of credit report XXXXXXXX XXXX XXXXXXXX ( My address is different from mailing address. I am a full-time student in XXXX XXXX XXXX XXXX ). A car insurance bill also included for verification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation