Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Subject : Complaint Failure to Provide Proper Debt Validation and Potential Inaccurate Credit Reporting Consumer Financial Protection Bureau I am submitting this complaint regarding Jefferson Capital Systems , LLC and their attempt to collect an alleged debt originally associated with XXXX On XX/XX/year>, I sent Jefferson Capital Systems , LLC a formal written request for debt validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). In that letter I disputed the alleged debt in its entirety and requested documentation establishing the validity of the claim. Specifically, I requested : A copy of the original signed service agreement A complete billing history from account inception through charge-off A detailed itemization of the alleged balance Documentation evidencing assignment or transfer of the account to Jefferson Capital Systems , LLC The date of first delinquency Proof that Jefferson Capital Systems , LLC has the legal authority to collect this alleged debt On XX/XX/year>, Jefferson Capital Systems , LLC responded XXXX However, their response failed to provide the documentation requested. Instead, they provided only a partial billing statement that appears to originate from XXXX. This document does not establish that Jefferson Capital Systems , LLC owns the alleged debt or has the legal authority to collect it. They did not provide any bill of sale, assignment documentation, or evidence demonstrating a chain of ownership linking the alleged account to Jefferson Capital Systems , LLC. Without such documentation, the collector has not provided competent validation of the alleged debt as required under the Fair Debt Collection Practices Act. Additionally, the documentation shows the addition of an outside collection fee. It is unclear whether such a fee is authorized by any underlying contract, which raises further concerns regarding the accuracy of the balance being reported. Despite the lack of proper validation, this account may be reported to consumer reporting agencies. Reporting a debt that has not been properly validated and investigated may constitute inaccurate reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting that Jefferson Capital Systems , LLC : 1. Provide proper validation of the alleged debt, including documentation demonstrating their legal ownership of the account. 2. Provide documentation supporting the accuracy of the balance being claimed. 3. Cease collection activity until such validation is provided. 4. Remove any inaccurate or unverifiable reporting from my credit reports. If Jefferson Capital Systems , LLC can not provide competent documentation demonstrating their legal standing to collect this debt, the account should be deleted from all consumer reporting agencies. I appreciate the CFPBs assistance in ensuring that collectors comply with federal consumer protection laws. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation