Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital, I am writing because your company is attempting to collect an account that I do not recognize as a valid obligation. I REFUSE TO PAY THIS DEBT. Before anything else happens with this account, I need Jefferson Capital to show that it actually has the legal right to collect it. If you believe this debt belongs to me, then the documentation should exist to support that claim. Start by explaining how Jefferson Capital became involved with this account. If the account originated with another creditor and was later sold, provide documentation showing the chain of ownership from the original creditor through every company that possessed the account before it reached your organization. I want to see the assignments and any bill of sale or transfer agreement that specifically identifies this account. I am also requesting the original records that created the alleged debt. That means the agreement that supposedly opened the account, the terms and conditions that applied at that time, and any updated versions that may have been issued later. In addition, provide the account statements and transaction history from the original creditor that show the activity you claim occurred. Internal summaries or collection notes are not sufficient. I am requesting the original account-level documentation created by the original creditor. If the amount currently being reported is greater than the balance at charge-off, explain how that number was calculated. Identify the contractual provision that allowed those charges and the legal authority permitting them. Jefferson Capital should also identify the individual within the company who has direct knowledge of the account records being relied upon. I am not asking for someone who simply reviewed a database entry. I am asking for the person who can confirm the authenticity of the records and establish a prima facie case consistent with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX [ XXXX ]. That person must also be familiar with the original creditors record-keeping practices as described in XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Please also provide the date of the last payment made to the original creditor. If this account is outside the statute of limitations, you may not misrepresent its legal enforceability under 15 U.S.C. 1692e ( 5 ). The law also prohibits any false, deceptive, or misleading representations in connection with a debt under 15 U.S.C. 1692e ( 10 ). This communication serves as a direct dispute under 15 U.S.C. 1681i ( a ) ( 1 ). A reasonable investigation must be conducted within 30 days of receipt. If Jefferson Capital believes this dispute is frivolous or irrelevant, written notice must be provided within five days. If this account continues to be reported or collected without the documentation requested above, I am prepared to enforce my rights under 12 U.S.C. 5565 ( a ) ( 1 ), including violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply along with any actual damages incurred. You may either validate this account properly or remove it from my credit file. This statement is true and lawful.

Company response to consumer: Closed with explanation