Consumer complaint received 2024-02-22
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (OK)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Jefferson Capital System for Violation of Consumer Laws on XX/XX/2023, in the amount of {$1400.00} Dear Sir/Madam, I am writing to file a formal complaint against Jefferson Capital System regarding their egregious violations of consumer protection laws. As a diligent consumer, I have become aware of several instances where Jefferson Capital System has flagrantly disregarded key provisions outlined in federal consumer laws, thereby jeopardizing my consumer rights and financial well-being. 
Specifically, Jefferson Capital System has violated the following four consumer protection laws : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : Despite their obligation under federal law to furnish validation information, Jefferson Capital System has neglected to provide any such validation information while simultaneously placing a collection on my consumer report.

2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by federal regulations. Jefferson Capital System 's failure to provide a platform for dispute directly contravenes the protections afforded to consumers under 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

3. Employment of Deceptive Practices : Jefferson Capital System has engaged in false, misleading, and deceptive practices, thereby infringing upon my consumer rights. These misleading practices include but are not limited to misrepresentation of information and deceptive means of communication.

4. Furnishing of Account Information without Proper Disclosure ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) : Jefferson Capital System has unlawfully furnished account information to consumer reporting agencies without providing the requisite disclosures mandated by federal law. This blatant disregard for disclosure requirements constitutes a clear violation of both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ).

In addition to addressing these violations, I request the following : 1. Debt Validation Letter : I kindly request that Jefferson Capital System provide a thorough debt validation letter, including all pertinent details related to the alleged debt. This request is made in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ).

2. Agreement Between Jefferson Capital System and the Original Creditor : I also request a copy of the agreement between Jefferson Capital System and the original creditor pertaining to the alleged debt. This documentation is essential for understanding the legitimacy of the debt and ensuring compliance with relevant consumer protection laws.

These requests are made in accordance with my rights as a consumer, and I expect Jefferson Capital System to fulfill these requests promptly and in adherence to the applicable laws.

I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into Jefferson Capital System 's practices and take appropriate enforcement action to remedy these violations. Furthermore, I request that Jefferson Capital System be held accountable for their actions and be compelled to rectify any harm caused to affected consumers, including myself. Additionally, I kindly request that the Bureau keep me informed of any developments regarding this complaint.

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take prompt and decisive action to uphold consumer rights and ensure compliance with federal consumer protection laws. 
Sincerely