Consumer complaint received 2026-04-02 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: OH

Complaint narrative:
RE : FORMAL DISPUTE DEMAND FOR DELETION OF UNVERIFIED COLLECTION ACCOUNT ( JEFFERSON CAPITAL SYSTEMS ) Date : XX/XX/year> To Whom It May Concern, This letter serves as a formal notice of dispute regarding a collection account reported on my consumer credit file by Jefferson Capital Systems. I am disputing this account in its entirety due to inaccurate, incomplete, and unverified information, and I am demanding a lawful reinvestigation under the Fair Credit Reporting Act ( FCRA ). -- - # # # NOTICE OF LEGAL NONCOMPLIANCE Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. A superficial or automated verification process does not satisfy this legal obligation. You are hereby placed on notice that : - This account has not been properly validated or verified- There is no competent evidence demonstrating I have any legal obligation to this alleged debt - Any continued reporting without proper verification constitutes negligent and/or willful noncompliance under 15 U.S.C. 1681n and 1681o -- - # # # DEMAND FOR STRICT VERIFICATION ( NOT E-Oscar/ NOT AUTOMATED ) I demand that your investigation include actual documentary evidence, not reliance on automated systems such as e-Oscar. Provide competent evidence including : - A contract or agreement bearing my signature - Full chain of assignment/ownership from the original creditor - Complete transactional and payment history - Proof of legal standing and authority to collect If you can not produce original source documentation, then this account is legally unverifiable. -- - # # # FDCPA VIOLATIONS THIRD-PARTY COLLECTION REPORTING Under 15 U.S.C. 1692e ( 8 ), reporting a debt to a credit bureau without proper validation or while disputed constitutes false, deceptive, or misleading representation. Additionally : - Failure to mark the account as disputed is a direct violation - Reporting incomplete or inaccurate data is unlawful -- - # # # SCRA COMPLIANCE DEMAND You are required to ensure compliance with the Servicemembers Civil Relief Act ( 50 U.S.C. 3901 et seq. ). Provide confirmation that : - This account has been properly screened through the XXXX XXXX XXXX SCRA database - No adverse reporting has violated federal protections Failure to ensure SCRA compliance exposes your agency and furnishers to serious federal liability. -- - # # # XXXX XXXX & DATA INTEGRITY VIOLATIONS This account appears to be reported in a manner inconsistent with XXXX XXXX compliance standards, including but not limited to : - Questionable classification as a debt buyer without full supporting data - Incomplete or inconsistent reporting fields- Improper account status coding This further confirms that the account is not reliably verifiable. -- - # # # DEMAND FOR IMMEDIATE DELETION If you can not produce competent, verifiable documentation as required by federal law, you must : - DELETE this account immediately from my credit file - Provide written confirmation of deletion Any attempt to verify this account without proper documentation will be documented as willful noncompliance, and I will proceed with : - Filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) - Filing complaints with the Federal Trade Commission ( FTC ) - Pursuing private legal action for damages -- - # # # PRESERVATION OF RIGHTS Be advised that I am documenting all communications. Any continued reporting of unverified or inaccurate information may constitute defamation, negligent enablement of identity harm, and federal statutory violations. -- - You have 30 days to complete a lawful reinvestigation and provide written results. Govern yourselves accordingly

Company response to consumer: Closed with explanation