Consumer complaint received 2023-06-02
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023, I requested that Jefferson Capital provide debt validation on an alleged debt owed from XXXX XXXX XXXX in the amount of XXXX, and the letter was sent certified mail. Within the letter I asked in totality the following documentations without exceptions as stated below in quotation marks. 

" I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/2023, and identified the debt as XXXXXXXX XXXX XXXX in the amount of {$480.00}. 

As a result of this outreach, I am requesting you to provide me with a validation of the debt that was highlighted in the letter previously sent. This is not a refusal to pay, simply my notice that your claim is in dispute and that validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). '' As a result of this dispute, I need more information regarding this debt. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement with my signature that created my original requirement to pay? 

Also, during this verification please supply me with the following information. 

The amount and age of the debt, including : State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

A signed contract ( i.e., HIPAA release form ) that bears my signature with the original creditor that transferred to your agency when purchasing the debt. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. '' On XX/XX/2023, I have not received these documents as requested yet I received notification that Jefferson Capital has reported this account on my credit report without proper validation of the debt belonging to me, thus violating my Consumer Rights.

Company response to consumer: Closed with explanation