Consumer complaint received 2024-06-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (AR)

Subject : Request for Removal of Duplicate Collections on Disputed Debt Ref : Jefferson Capital LLC XXXX XXXX XXXX, XXXX XXXX, MN XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to formally request the removal of duplicate collections from my credit report regarding a disputed debt from XXXX XXXX. The debt in question amounts to {$880.00} and has been erroneously reported by multiple collection companies without proper notification or validation of the original debt. 

I have noticed that this disputed debt has been placed on all three credit bureaus ' reports multiple times, dating back to XXXX, with at least three different collection companies. This action is in direct violation of several federal regulations, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. XXXX XXXX 2. Jefferson Capital LLC XXXX XXXX XXXX, XXXX XXXX, MN, XXXX a. I am sure there are others to identify! 

I would like to bring your attention to the following violations : 1. Lack of Written Notification : Since the inception of this dispute in XXXX, I have not received any written notification from any of the collection companies regarding the placement of the debt on my credit report. This is a clear violation of the FCRA, which requires collectors to inform consumers in writing within five days of the initial communication. 

XXXX. Failure to Provide Debt Validation : None of the collection companies have provided adequate validation of the original debt, as required by the FDCPA. Despite multiple requests, I have not received any documentation or proof of this debt. 

3. Reporting Duplicate Collections : The same debt has been reported multiple times by different collection companies, leading to inaccurate and inflated reporting on my credit file. This violates the FCRA, which states that credit reporting agencies must ensure the accuracy of the information they report. 

Considering the violations mentioned above, I kindly request that you remove all instances of duplicate collections related to this disputed debt from my credit report immediately. Additionally, I request that you conduct a thorough investigation into the actions of the collection companies involved and take appropriate measures to prevent such violations in the future. 

Enclosed with this letter are copies of relevant documents, including previous correspondence with the collection companies and evidence of my attempts to resolve this matter. I urge you to review these documents during your investigation. 

I trust that you will handle this matter with the utmost urgency and professionalism. I look forward to receiving written confirmation of the removal of the duplicate collections from my credit report within 30 days, as mandated by the FCRA. 

Thank you for your attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address provided above.