Consumer complaint received 2024-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Email : XXXX Date : XX/XX/2024 Jefferson Capital Systems XXXX XXXX XXXXXXXX XXXX XXXX MN XXXX Subject : Notice of Dispute and Request for Debt Validation** Account Number : XXXX To Whom It May Concern, This letter serves as my formal Notice of Dispute regarding the alleged debt associated with the above-referenced account number. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting full validation of this debt. 

Please note that I do not acknowledge or admit responsibility for this alleged debt. I am exercising my rights under the FDCPA to dispute this claim and request that you provide the following documentation to validate the debt you are attempting to collect : Proof of the original agreement : A copy of the signed agreement or contract between me and the original creditor that demonstrates I am obligated to pay this debt. 
Itemized account statement : A detailed breakdown of the debt amount, including principal, interest, fees, and any additional charges. 
Proof of assignment or ownership : Documentation showing that Jefferson Capital Systems has the legal right to collect this debt, including the chain of custody if the debt was sold or transferred. 
Verification of compliance : Proof that this debt complies with all applicable state and federal laws, including statutes of limitations. 
Additionally, until the requested information is provided, I request that you immediately cease all collection activities related to this account, including reporting this alleged debt to any credit reporting agencies. If this debt has already been reported, please update any credit reporting agencies to reflect that the debt is under dispute. 

It has come to my attention that Jefferson Capital Systems has a history of lawsuits for violations of the FDCPA. For example : XXXX v. Jefferson Capital Systems , LLC : Your company was accused of sending misleading communications to consumers, and the court denied your motion for summary judgment, allowing the plaintiff 's claims to proceed. 
XXXX XXXX Jefferson Capital Systems , LLC : Your company was accused of filing a lawsuit without proper documentation and failing to send demand communications before initiating legal action. The court found that the plaintiffs claims under the FDCPA were valid and allowed the case to proceed. 
I urge you to ensure full compliance with the FDCPA in this matter to avoid similar legal consequences. 

You have 30 days from the date of receipt of this letter to respond with the requested documentation. If you can not validate this debt, you must cease all collection efforts and remove any negative information related to this account from my consumer reports. 

This letter is not an admission of liability for this debt and does not authorize any further collection activity. All correspondence regarding this matter must be in writing and sent to the address listed above or via email at XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation