Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
* * CFPB COMPLAINT FORM * * * * SECTION 1 : WHAT HAPPENED? * * * * Issue Category : * * Debt collection Credit reporting Problem with a credit card or other debt * * Description of Problem ( Dates/Amounts/Actions ) : * * * In XX/XX/XXXX, I ordered a XXXX XXXX device ( Account XXXX XXXX ). XXXX XXXX confirmed in writing that : XXXX ) The device ( IMEI/Serial # [ REDACTED ] ) was * * never shipped * * due to a system error XXXX ) The order was * * cancelled pre-shipment * * XXXX ) No delivery occurred to any address * * Despite this : - XXXX billed {$1800.00} for " services '' ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX representatives XXXX * confirmed in phone calls * * ( recorded ) that XXXX verified non-delivery - XXXX refused to provide service or replacement device - Account falsely reported to credit bureaus as " delinquent '' ( XXXX ) * * In XX/XX/XXXX : - Debt collector Jefferson Capital ( XXXX XXXX # XXXX ) demanded payment - Claims ownership of invalid debt - Threatens credit reporting * * * Company Actions : * * - XXXX ignored XXXX 's written confirmation of non-delivery - Sold invalid debt to Jefferson Capital instead of deleting account - Both continue reporting false debt despite evidence * * Consumer Actions : * * XXXX. Submitted written disputes to XXXX XXXX XX/XX/XXXX ) XXXX. Disputed with credit bureaus XXXX times ( XXXX ) XXXX. Sent validation demand to Jefferson Capital ( XX/XX/XXXX ) XXXX. Filed FTC Report # [ Your FTC Case # ] * * SECTION 2 : DESIRED RESOLUTION * * Stop contact about this debt Correct credit report information Remove debt from credit report Refund money paid on this debt * * Specific Requests : * * 1. * * Immediate deletion * * of XXXX account # XXXX from ALL credit bureau files 2. * * Permanent cessation * * of collection efforts by Jefferson Capital 3. * * Audit * * of XXXX XXXX coding for this account 4. * * Penalties * * for willful FCRA/FDCPA violations * * SECTION XXXX : COMPANIES INVOLVED * * * * Company XXXX : * * XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX Account # : XXXX * * Company XXXX : * * Jefferson Capital Systems , LLC - Address : XXXX XXXX XXXX XXXX, XXXX, MN XXXX - Account # : XXXX * * Company XXXX : * * Credit Bureaus ( XXXX ) XXXX Reporting false delinquency since XXXX * * SECTION 4 : SUPPORTING EVIDENCE AVAILABLE * * Correspondence Account statements Proof of error ( XXXX non-delivery letter ) Credit reports showing discrepancy Call logs/recordings -- - # # # KEY LEGAL VIOLATIONS TO REPORT XXXX. * * XXXX * * - FCRA 623 ( a ) ( 1 ) ( B ) : * Furnishing unverified information * - FDCPA 807 ( 2 ) ( A ) : * False representation of debt validity * 2. * * Jefferson Capital * * - FDCPA 809 ( c ) : * Continued collection without validation * - FCRA 623 ( a ) ( 8 ) ( E ) : * Ignoring documentary evidence * 3. * * Credit Bureaus * * - FCRA 611 ( a ) ( 1 ) ( A ) : * Failure to delete unverifiable information * - CFPB 12 CFR 1022.43 ( f ) : * Systematic disregard of disputes *

Company response to consumer: Closed with explanation