Consumer complaint received 2024-10-04
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (FL)

JEFFERSON CAPITAL SYSTEMS Account number XXXX I am writing to dispute the validity of the collection account that your agency has placed on my consumer report. Despite my repeated requests, you have failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ). This lack of transparency is concerning and calls into question the accuracy and legitimacy of the debt you are attempting to collect.

Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This denial of my right to challenge the accuracy of the debt is a violation of federal regulations and undermines the integrity of the collection process.

Your agency 's use of false, misleading, misrepresentation, and deceptive means in attempting to collect this debt is unacceptable and constitutes a violation of my consumer rights. Such tactics are not only unethical but also illegal, and I demand that you cease these practices immediately.

Additionally, I assert that your agency does not have the authority to furnish any account to consumer reporting agencies without providing all required disclosures as mandated by law. Your failure to comply with the provisions outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ) further undermines the validity of the collection account in question.

I must also emphasize that I have not received any correspondence from your agency regarding this matter. If you have indeed attempted to contact me via mail, I request that you provide the tracking number to verify delivery. However, please be aware that due to my current living situation, I am unable to receive mail at the address you have on file, and any communication sent to that address would not have reached me.

Furthermore, I am formally revoking all rights of your agency to communicate with me through email, text, or calls. Any further attempts to contact me through these means will be considered harassment and will be dealt with accordingly.

In light of these concerns, I hereby request the following : Debt validation : Provide detailed validation of the debt you are attempting to collect, including the original creditor 's name, the amount owed, and proof of my obligation to pay.

Purchase agreement : Furnish a copy of the purchase agreement between your agency and the original creditor, demonstrating your legal right to collect this debt.

Proof of licensure and bonding : Provide evidence that your agency is licensed and bonded to operate in accordance with state and federal regulations.

Deletion of collection account : I demand that you immediately delete the collection account from my consumer report, as your failure to provide adequate validation and comply with relevant regulations invalidates the legitimacy of the debt. 
Failure to comply with these requests will leave me no choice but to take legal action to protect my rights. I expect a prompt response to this dispute letter and a resolution to this matter without further delay.