Consumer complaint received 2024-10-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

On XX/XX/year>, at XXXX PM, I called Jefferson Capital Systems LLC at XXXX. My call lasted XXXX minutes and XXXX seconds. I initially spoke with a representative named XXXX and requested a debt validation letter to review before making payment. I fully intended to pay the account in full upon receipt of this letter, as I am actively working to repair my credit. 

Under the Fair Debt Collection Practices Act ( FDCPA ), consumers have the right to request a debt validation letter without disputing the account. However, XXXX informed me that they would need to file a dispute with the original creditor before they could send the validation letter. I emphasized that I did not wish to dispute the account and only wanted the validation letter for my records. Nonetheless, she transferred me to another representative, XXXX. 

XXXX also insisted that a dispute with the original creditor was necessary to fulfill my request for a validation letter. When I restated my rights under the FDCPA, XXXX interrupted and repeatedly stated their policy, disregarding my clarification that the FDCPA permits consumers to request debt validation without filing a dispute. 

Relevant Sections of the Fair Debt Collection Practices Act ( FDCPA ) The FDCPA explicitly grants consumers rights related to debt validation, prohibits misrepresentation, and disallows unfair practices, which Jefferson Capital Systems LLC appears to have disregarded in my case : XXXX. Debt Validation ( 15 U.S.C. 1692g ) Under this provision, consumers have the right to request a validation notice at any point, regardless of whether a dispute has been filed. Debt collectors are required to provide this upon request, detailing the debt amount, the name of the creditor, and the consumers rights.

2. Consumer Rights under the FDCPA The FDCPA entitles consumers to request validation of the debt at any time. A consumer is not required to dispute the debt to obtain this information, making Jefferson Capitals requirement of filing a dispute incorrect and misleading.

3. Misrepresentation ( 15 U.S.C. 1692e ) This section prohibits debt collectors from using false or misleading representations in debt collection, which includes misrepresenting consumer rights under the FDCPA. Jefferson Capital Systems LLCs representatives provided misleading information by claiming that a dispute was necessary for debt validation.

4. Unfair Practices ( 15 U.S.C. 1692f ) Debt collectors are forbidden from employing unfair means to collect a debt. Requiring me to dispute the debt with the original creditor to receive validation constitutes an unfair practice and a violation of my rights. 

Additionally, I have previously requested a debt validation letter from another collection agency, XXXX, and they were able to provide it without requiring me to dispute the account. This demonstrates that Jefferson Capital Systems LLCs insistence on filing a dispute before providing a validation letter is not standard practice and further underscores their failure to respect my consumer rights under the FDCPA To support my claim, I am attaching screenshots of the call log and notes taken during our conversations, along with additional call logs from the past few days, which show multiple calls made to XXXX XXXX. This evidence demonstrates that I am actively working to address my debts and improve my credit, rather than avoiding my responsibilities.