Consumer complaint received 2025-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Immediate Deletion of Fraudulent Jefferson Capital Account Systemic FCRA Violations and Identity Misuse Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Summary of Complaint : I am reporting Jefferson Capital Systems LLC and all three major credit reporting agencies ( XXXX XXXX XXXX  ) for knowingly enabling the ongoing reporting of a fraudulent, unknown, and unvalidated debt, which has caused extensive harm to my financial life and legal rights. 

I have no knowledge of this account, have never done business with Jefferson Capital or the alleged original creditor, and have never received verification, validation, or lawful notice. 

Despite this, all three credit bureaus are actively reporting this collection as : Open, with a balance of {$3500.00} Reported as of : XX/XX/XXXX Account opened : XX/XX/XXXX Responsibility : Individual account Remarks : Consumer disputes this account information Type : Collection Account This item must be immediately and permanently removed under federal law. 



Violations of Federal Law & Legal Grounds for Deletion : 1. Reporting a Fraudulent Account Without Verification Violation of 15 U.S.C. 1692g and 1692e FDCPA I have no agreement, contract, or relationship with Jefferson Capital.

No documentation has ever been provided despite dispute attempts.

Reporting a debt with no verification is illegal and grounds for damages.

2. Failure to Conduct Reasonable Reinvestigation Violation of 15 U.S.C. 1681i ( a ) ( 1 ) & ( a ) ( 7 ) FCRA All three bureaus failed to provide a clear reinvestigation or verify the source of the debt.

I invoked my right to dispute, yet the item remains Consumer disputes this account with no action taken.

Per 1681i ( 7 ), I am legally entitled to a written description of the reinvestigation process within 15 days which has not been provided.

3. False Reporting and Data Misassociation Violation of 15 U.S.C. 1681e ( b ) The continued reporting of this debt under my name constitutes a false association and negligent matching of data.

No match between my verified personal identifiers and this debt has been proven.

4. Sham Investigation Pattern Recent CFPB enforcement bulletins ( XXXX ) have documented a growing trend of credit bureaus : Marking disputes resolved without investigation Allowing debt collectors to reinsert unverifiable data Automatically deferring to data furnishers without proof This complaint matches that exact pattern.

5. Damage Caused by False and Illegally Reported Debt I have been denied housing, automobile financing, credit cards, and personal loans due to this item.

My credit score has dropped significantly.

This debt is destroying my financial standing and reputation with no legal basis.

6. No Notification of Collection Activity Violation of 15 U.S.C. 1692g ( a ) I was never contacted by Jefferson Capital before this item appeared on my credit file.

No debt validation notice was sent within 5 days of alleged collection activity.

7. Obstruction of Dispute Rights Violation of 1681i ( a ) ( 3 ) The credit bureaus are obstructing dispute rights by : Refusing to remove unverifiable data Failing to give explanation for continuing to report Using deceptive language ( Consumer disputes this account ) as a placeholder with no action Requested Resolution : 1. Immediate deletion of this Jefferson Capital Systems LLC account from all three credit bureaus.

2. A formal reinvestigation report under 1681i ( 7 ), explaining how the bureaus verified this debt.

3. A complete validation report from Jefferson Capital proving the existence, assignment, and legality of this debt.

4. An official apology and correction of credit damage, or this case will move to legal action.

5. Full investigation by the CFPB into CRA dispute handling practices, especially involving third-party debt buyers.

Legal Notice of Intent : If this account is not removed and fully addressed within 15 business days, I will : Initiate litigation under 15 U.S.C. 1681n ( willful violations ), 1681o ( negligent violations ), and 1692k ( FDCPA penalties ).

Seek {$1000.00} per violation, plus actual, punitive, and emotional damages, totaling $ XXXX in claims. 
File concurrent complaints with the FTC, state attorney general, and consumer protection offices. 

This is not my account, and any continued reporting constitutes willful harm and legal malfeasance. 



Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation