Consumer complaint received 2024-10-29
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Debt Validation, Account Re-aging, and Demand for Removal from Consumer Report Jefferson Capital Systems To Whom It May Concern : I am writing to formally file a complaint regarding Jefferson Capital Systems located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, for their failure to provide adequate debt validation as required by federal law. Additionally, I am concerned that Jefferson Capital Systems may be re-aging this account, potentially affecting my credit report and causing further harm. The companys actions have impacted my ability to make informed financial decisions, as the information provided by Jefferson Capital Systems is incomplete and inadequate. 

The following laws highlight specific consumer rights that I believe have been infringed upon in this case : XXXX. 12 CFR 1006.34 ( b ) ( 5 ) - Under this regulation, debt collectors are obligated to provide certain information about the debt in their initial communication, including details essential to identify the nature and validity of the debt. Jefferson Capital Systems failed to meet this requirement by not providing clear, specific, and sufficient information to validate the debt. 


XXXX. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) - This rule requires debt collectors to provide certain validation information regarding the amount owed, including itemization and any fees, interest, or charges accrued since the debt 's last transaction. Jefferson Capital Systems has not itemized these elements in their communications with me, which constitutes a violation of my rights. 


XXXX. 12 CFR 1006.34 ( d ) - According to this law, the collector must supply a validation notice, detailing the rights I have as a consumer to dispute or request additional information about the debt. Jefferson Capital Systems has not provided a validation notice that meets these requirements. 


XXXX. 15 USC 1692g ( a ) ( 7 ) - The Fair Debt Collection Practices Act requires collectors to inform consumers of their right to dispute the debt. Jefferson Capital Systems has not adequately communicated this right to me, thereby infringing upon my rights under this law. 



Additionally, I am concerned that Jefferson Capital Systems may be engaging in a practice known as " re-aging, '' where the date of last activity on this account is manipulated to appear more recent. This could unfairly extend the statute of limitations and XXXX XXXX XXXX XXXX, resulting in further damage to my credit. 

Due to XXXX XXXX XXXX with the above laws and my inability to determine the legitimacy of this debt, I am formally demanding that this account be removed from my consumer report to resolve this issue. I respectfully request that the CFPB investigate this matter to ensure Jefferson Capital Systems ceases any re-aging practices, removes the account from my report, and upholds consumers rights as stipulated under federal regulations. 

Thank you for your attention to this matter. Please let me know if additional information is needed to assist with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX