Consumer complaint received 2025-04-22 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:
CFPB COMPLAINT FORMAL DEMAND FOR DELETION, ACCOUNTABILITY & EVIDENCE PRODUCTION Subject : Jefferson Capital Systems LLC Fraudulent, Unverifiable, and Illegally Reported Debt on All Three Credit Bureaus Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Complaint Overview : This is a formal complaint and legal demand regarding a fraudulent and entirely unverifiable collection account reported by Jefferson Capital Systems LLC and published by XXXX XXXX XXXX XXXX, all of whom have failed to : Conduct a lawful and reasonable reinvestigation Provide any documentation validating the debt Allow online or written dispute functionality Disclose why or how a third-party collector has legal authority over this alleged obligation Address severe credit damage, reputational harm, and denial of housing, auto, and financial services This account must be immediately deleted, and all involved entities must be held accountable. 



Account in Question : Furnisher : Jefferson Capital Systems LLC Reported Balance : {$7700.00} Date Opened : XX/XX/XXXX Date Last Reported : XX/XX/XXXX Account Type : Collection Responsibility : Individual Remarks : Consumer disputes this account information Original Creditor : UNKNOWN ( not identified in credit report ) Status : Open Violations of Law & Governing Legal Authorities : 1. FCRA 1681i ( a ) ( 1 ), ( 6 ), ( 7 ) Failure to Conduct Reasonable Reinvestigation All three credit bureaus failed to investigate or verify the accuracy of the disputed account. 
No documentation or method of verification has been disclosed within the required 15-day timeframe.

My right to dispute has been effectively obstructed.

2. FCRA 1681s-2 ( b ) Duty of Furnishers to Investigate and Correct Jefferson Capital failed to verify or validate the debt when notified of a dispute. 
Continued reporting despite lack of documentation constitutes negligent or willful noncompliance. 

3. FDCPA 1692g ( a ) - ( b ), 1692e, and 1692f Validation of Debts, False Representation, and Unfair Practices No debt validation has been sent within the required 5-day period after collection activity. 
The collector has refused to furnish proof of ownership, assignment, or original agreement. 
It is unlawful to attempt collection of a debt without proper validation, especially by a third party with no documentation. 

4. FCRA 1681e ( b ) Maximum Accuracy Standard Credit bureaus are required to maintain the maximum possible accuracy of reported information. 
Reporting a third-party debt with no original creditor detail, no delinquency date, and no legal chain of title is reckless and in violation of this standard. 

5. FCRA 1681c Statute of Limitations & Time-Based Reporting The date of first delinquency is missing or obscured. If this debt originated from prior default, it may already exceed the 7-year reporting period, requiring deletion. 

6. FCRA 1681i ( a ) ( 3 ) Blocking and Labeling Disputes as Frivolous Without Cause Online and written disputes have been denied or suppressed without explanation. This is a violation of the right to file, follow-up, and receive responses to disputes. 



New Laws & Enforcement Priorities That Apply : CFPB Enforcement Bulletins ( XXXX ) : CFPB has publicly reprimanded CRAs and furnishers for : Failing to investigate third-party collection disputes Repeating sham investigations Ignoring disputes marked consumer disputes this account Failing to provide access to dispute functions Automatically verifying unverifiable debt Case Law Precedents Supporting Deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : CRAs can not simply rely on data furnishers ; they must conduct independent investigations. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX must be able to prove the debt and its validity in court not just allege it. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Damages awarded for failure to correct misinformation and reverify properly. 



Consumer Demand for Documentation : I am demanding ALL of the following be provided within 15 days under FCRA and FDCPA : 1. Original creditors full name, contact, and contract/agreement 2. Proof of assignment from original creditor to Jefferson Capital 3. Chain of custody / chain of title documentation 4. Proof that Jefferson Capital is legally licensed to collect in my state 5. Copy of debt validation notice sent within 5 days of initial contact 6. Account history including charges, payments, fees, and interest calculations 7. Details of any reinvestigation performed by all three CRAs, including dates and findings 8. Explanation why online dispute options are disabled or suppressed Consumer Harm : This account has caused : Denial of housing, car financing, and credit access Major emotional distress and mental strain Long-term financial setbacks due to lowered credit standing Damage to my financial reputation with no legal justification Requested Relief : 1. Immediate and permanent deletion of this Jefferson Capital LLC collection from all three bureaus 2. A full legal investigation by the CFPB into : CRA handling of third-party debt Jefferson Capitals collector licensing and documentation Suppression of dispute rights 3. Statutory penalties under FCRA 1681n/o and FDCPA 1692k 4. Public enforcement action if systemic violations are discovered Final Notice of Legal Intent : If not resolved within 15 business days, I will pursue : Civil litigation in federal court Claims exceeding {$75000.00} in statutory, actual, and punitive damages Formal complaints to the FTC, state AG, media, and credit bureau ombudsman offices The continued reporting of a fraudulent, unvalidated, third-party account is not only unjust it is legally indefensible. 



Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation