Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/year>, the company Jefferson Capital System LLC responded to my dispute and said they would terminate efforts of collecting and will report to all credit bureaus to delete their tradeline. As of XX/XX/year>, There hasn't been any updates with the credit bureaus. I'm currently filling a dispute with the other credit bureaus and will seek legal help in this matter. I have attached our conversation with Jefferson Capital LLC. Below is all details of the case and responses from Jefferson Capital, I've also added it as an attachment. 

XXXX Closed Submitted Status Submitted to the CFPB on XX/XX/year> Product Debt collection Issue Attempts to collect debt not owed We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> JEFFERSON CAPITAL SYST XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear JEFFERSON CAPITAL SYST, I am writing to formally request validation of the debt referenced in your recent correspondence. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. Please provide me with the following information : 1. A copy of the assignment contract that verifies your legal right to collect this debt. 2. The original creditor 's name and contact information. 3. The amount of the debt, including any interest or fees. 4. Any documentation that supports your claim. Additionally, I request that you cease and desist all collection activities until you provide the requested validation. This includes refraining from reporting this debt to any credit reporting agencies until you can verify the legitimacy of your claim. Please send all requested information to my address listed above. Until I receive the requested validation, I ask that you cease all collection activities, as required by law. Thank you for your prompt attention to this matter. I look forward to your response. Sincerely, XXXX XXXX View full complaint Sent to company Status Sent to company on XX/XX/year> We've sent your complaint to the company, and we will let you know when they respond. 

Their response should include the steps they took, or will take, to address your complaint. 

Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 

Company responded Status Company responded on XX/XX/year> Response Type Closed with explanation Company 's Response This is in response to the correspondence we received via the Consumer Financial Protection Bureau on behalf of XXXX XXXX regarding the XXXX XXXX debt that we acquired in their name, which is now associated with JCS Reference # XXXX. In response to XXXX XXXX dispute, we have terminated collection efforts on the debt and requested the credit bureaus delete our tradeline. Thank you for the opportunity to respond. 
Feedback requested Status Feedback requested on XX/XX/year> Feedback due XX/XX/year> Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints. 

Closed The CFPB has closed your complaint.

Company response to consumer: Closed with explanation