Consumer complaint received 2020-03-17
Company: CL Holdings LLC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently I received a collection letter from a law firm known as XXXX XXXX XXXX, XXXX, claiming that they were trying to collect on a debt for a debt buyer known as Jefferson Capital Systems, Inc. There are issues that need to be rectified as there is no consistency pertaining to debt ownership. The following is the criteria that must be established in order to validate a collectible debt against me : 1 ) At no time was I ever notified that an old debt was purchased by Jefferson Capital Systems , LLC.

2 ) The debt is so old that it no longer is posted on any of my credit reports, which means that at the very least the debt is over 7-years since it was last posted on a bureau update. 
3 ) Any debt purchase in the Commonwealth of Massachusetts must show true copy ownership, as in this case XXXX XXXX XXXX  did no such transfer, nor was I ever given any such proof. 
4 ) The debt information was acquired through a debt pooling information program electronically, and thus this collection is a fraudulent transaction, being procured for collection by a licensed law firm that should be investigated by the Massachusetts Department of Bar Overseers.

5 ) The law firm of XXXX XXXX XXXX, XXXX. need to cease and desist on these types of action, especially to a minority person such as myself, being 50 % XXXX and 50 % XXXX. I believe that I am being discriminated against and targeted. I recently had two similar actions dismissed in the civil courts in the Commonwealth of Massachusetts, and this collection is also illegal. 
6 ) This collection is illegal, and XXXX XXXX XXXX  is in violation of my rights under the Fair Debt Collection Practices Act. 
7 ) My file must be purged and all personal information must be deleted, along with XXXX XXXX XXXX  recalling this debt information immediately. 
8 ) Any and all references to this account must be deleted on all credit bureaus. 
9 ) XXXX XXXX XXXX  must be investigated by all credit bureaus, and this activity on erroneous debt transfers must be terminated against minorities and consumers of the Commonwealth of Massachusetts permanently. 
Jefferson Capital Systems , LLC has an enormous amount of complaints filed with the CFPB already. 
As of XX/XX/2019, the Consumer Financial Protection Bureau ( CFPB ) has received over 1,700 complaints related to the debt collection practices of Jefferson Capital Systems/CL Holdings LLC. Examples of common complaints against Jefferson include trying to collect a debt not owed and improper communication tactics. 
The following two real-world examples of complaints against Jefferson Capital Systems illustrate these types of alleged violations.

Consumer alleges attempts to collect a debt not owed Jefferson Capital System said I owe XXXX XXXX After reviewing my recent  credit report I contacted the company letting them know this not my debt This Collection action must be pulled out of circulation immediately!!! 

XXXX XXXX

Company response to consumer: Closed with explanation