Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Complaint Letter to CFPB JEFFERSON CAPITAL SYST/ JEFFERSON CAPITAL LL ( Includes FCRA 609 ( a ) ( 1 ) ( A ) Request for Original Documentation ) Date : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against JEFFERSON CAPITAL SYST for Inaccurate Reporting & Failure to Provide Documentation FCRA 609 ( a ) ( 1 ) ( A ) To Whom It May Concern, I am filing this formal complaint regarding an alleged collection account reported by JEFFERSON CAPITAL SYST related to a supposed XXXX  XXXX XXXX  account ( Account No. : XXXXXXXX XXXX XXXX XXXX XXXX ). I dispute the validity, accuracy, and legality of this account being furnished on my credit reports. 

XXXX. This Is Not My Account I am asserting that this debt does not belong to me, and I have repeatedly disputed the validity of this account with both the credit bureaus and the furnisher. Despite numerous disputes, the account continues to be reported, causing ongoing harm. 

XXXX. Continued Inaccurate Reporting Despite multiple written disputes on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX continues to : Report an account that is not mine Report inaccurate and unverified information Fail to conduct a proper investigation Verify the account without providing any physical proof Fail to remove the account despite lack of evidence This is a clear violation of the Fair Credit Reporting Act, specifically the requirement to conduct a reasonable reinvestigation under FCRA 611. 

XXXX. Violation of FCRA 609 ( a ) ( 1 ) ( A ) Failure to Provide Original Documentation Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), I formally requested disclosure of all information in my credit file relating to this alleged debt, including : The original signed contract or application bearing my signature Any physical proof that I opened or authorized this account The full chain of custody/assignment from the original creditor All documentation used to verify this account All internal records, notes, and data associated with this account To date, neither JEFFERSON CAPITAL SYST nor the credit bureaus have provided any such documentation, particularly no signed contract, which is legally required to substantiate ownership or responsibility for the alleged debt. 

Without a valid contract containing my signature, this account can not be verified and must be removed immediately. 

XXXX. Harm Suffered The continued reporting of an account that is not mine has caused : A significant reduction in my credit score Denial and/or unfavorable terms of credit Emotional and financial stress Damage to my financial reputation XXXX. Requested CFPB Action I respectfully request that the CFPB : Investigate JEFFERSON CAPITAL SYST for inaccurate reporting and failure to verify the debt Require them to produce the original signed contract as required under FCRA 609 ( a ) ( 1 ) ( A ) Order immediate removal of the account if they can not produce proper documentation Review whether JEFFERSON CAPITAL SYST is violating the FCRA and/or FDCPA Ensure corrective actions and sanctions if necessary Thank you for your assistance. I request written confirmation of your investigation and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation