Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX  MN XXXX Subject : Formal Demand for Immediate Deletion of Inaccurate Credit Reporting Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal demand under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) regarding your inaccurate, misleading, and potentially fraudulent credit reporting practices concerning the above-referenced account appearing on my consumer report. 

After reviewing the data you have furnished to XXXX  and other credit bureaus, I have identified multiple serious violations of federal law and XXXX XXXX reporting standards. These violations are causing direct harm to my credit profile and must be corrected immediately. 

Conflicting Account Classification You report the account as both an Open Account and a Collection, which is structurally impossible. This misrepresentation negatively impacts credit scoring models and violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) by furnishing inaccurate information.

Chronological Impossibility Date Opened : XX/XX/XXXXXXXX  Date Last Active : XX/XX/XXXXXXXX  This backward timeline is false and indicates negligent or willful misreporting a clear violation of FCRA 1681e ( b ). 
Duplicative and Conflicting Reporting You reported this account twice in XX/XX/XXXX with two different status narratives : XX/XX/XXXXXXXX  : " Collection account '' XX/XX/XXXXXXXX  : " Account seriously past due ... internal collections '' This creates double derogatory weight, inflating harm and violating FCRA and XXXX XXXX uniform reporting obligations. 
Fabricated Payment History Your two-year payment grid indicates multiple OK statuses followed by CO ( charge-off ), even though the account was allegedly opened and charged off almost simultaneously. This is either a fabricated history or an error both are unacceptable under federal law. 
Failure to Provide Proper Notice or Validation If you have reported this debt without providing me written notice and proper validation under 15 U.S.C. 1692g, you are also in violation of the FDCPA, subject to additional damages and legal enforcement.

You are hereby instructed to : DELETE this account from all consumer reporting agencies ( XXXX, XXXX, XXXX  ) immediately. 
Cease and desist from any further furnishing of inaccurate or misleading data. 
Provide full documentation of the following within 15 days : Proof of ownership or assignment of the debt Date and terms of any transfer/purchase Debt validation records Exact XXXX  XXXX XXXX  used to furnish this data f you fail to comply with the above within 15 calendar days, I will pursue all available legal remedies, including but not limited to : Filing a lawsuit under FCRA 1681n and 1681o, seeking {$1000.00} per violation Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) Seeking additional damages under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Georgia consumer protection laws This is not a request it is a final demand. If you can not validate this debt and explain these material discrepancies, you must delete the account in full to avoid liability. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation