Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems , LLC ( Jefferson Capital ) regarding an alleged XXXX XXXX account in the amount of {$3700.00}. 

I am a Texas consumer. My current address is XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, TX XXXX. The alleged debt is tied to an old XXXX XXXX account that Jefferson Capital claims to own. Their internal reference number is XXXX and they list the account number as XXXX. 

After receiving collection activity on this account, I disputed the debt in writing and requested validation. On or about XX/XX/XXXX, Jefferson Capital sent me a letter stating that this debt is from XXXX XXXX with a balance of {$3700.00}. Their letter includes the following disclosure ( emphasis added ) : THE LAW LIMITS HOW LONG YOU CAN BE SUED ON A DEBT. BECAUSE OF THE AGE OF YOUR DEBT, WE WILL NOT SUE YOU FOR IT. JEFFERSON CAPITAL SYSTEMS , LLC MAY CONTINUE TO REPORT IT TO CREDIT REPORTING AGENCIES AS UNPAID FOR AS LONG AS THE LAW PERMITS THIS REPORTING. 

In response to my written dispute and request for validation, Jefferson Capital provided only : a single XXXX XXXX billing statement for a XX/XX/XXXX billing period ; and a generic form letter. 

They did not provide : a copy of any original contract or service agreement with my signature ; a full, itemized account history showing how the balance of {$3700.00} was calculated ( all charges, fees, interest, payments, and credits ) ; proof that Jefferson Capital actually purchased and owns this specific account ( no bills of sale or assignment documents that identify my account ) ; or the Date of First Delinquency ( DOFD ) they are using for credit reporting and documentation supporting that date. 

Their letter also admits that the paperwork they are using may not even match the balance they are trying to collect. It states that the documents provided may reflect a balance greater than the current amount of the debt and that some or all of the charges or fees may have been waived and/or previous payments or credits may have been applied.

I believe Jefferson Capital is violating the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX Code Chapter XXXX in several ways : Insufficient Validation / Investigation : After my written dispute, they continued to treat the debt as valid while providing only a single monthly bill and no actual proof of ownership, contract, or accurate balance. This appears to violate FDCPA XXXX ( b ) and XXXX XXXX Code XXXX, which require a reasonable investigation and adequate verification before continuing collection. 

Misrepresentation of Amount and Status : Jefferson Capital is attempting to collect a balance that they themselves admit may not match the documents, and they have not shown how they arrived at the amount. This appears to violate FDCPA XXXX ( XXXX ) ( A ) and XXXX XXXX Code XXXX, which prohibit misrepresenting the character or amount of a debt. 

Time-Barred XXXX Practices : Their letter states that because of the age of your debt, we will not sue you for it but that they may continue to report it as unpaid. Under Texas law, most consumer debts are subject to a four-year statute of limitations, and time-barred debts can not be revived by later payments. Jefferson Capital is trying to collect on a debt it admits is too old to sue on, without clearly explaining my rights and while still threatening continued credit reporting.

Credit Reporting Issues : Jefferson Capital states that it may continue to report this account to the credit bureaus. If they are furnishing this account to any consumer reporting agency, I am concerned they are : not accurately reporting the amount or the correct Date of First Delinquency ; and failing to clearly mark the account as disputed after my written dispute, as required by FCRA XXXX ( a ) ( XXXX ). 

I am not admitting that I owe this alleged debt in any amount. I simply want XXXXefferson Capital to either ( a ) provide complete, competent proof of the debt and their legal right to collect and report it, or ( b ) cease all collection and delete any reporting. At this time, they have not done so, but they have continued to assert that they can report this account as unpaid for as long as the law permits. 

I am providing copies of : the XXXX XXXX XX/XX/XXXX XXXX Jefferson Capital sent as verification ; and Jefferson XXXX  XX/XX/XXXX letter with the time-barred debt disclosure. 

I request that the CFPB review Jefferson Capital Systems, LLCs handling of this account, its validation process, and its credit-reporting practices related to old, time-barred debts in Texas.

Company response to consumer: Closed with explanation