Consumer complaint received 2025-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: IN

Complaint narrative:
Subject : Debt Validation Request Pursuant to the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Indiana State Law Dear Jefferson Capital Systems LLC, I am formally requesting validation of the debt that your company has reported under my name, as required by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The account in question is listed on my credit report with the following details : Creditor : Jefferson Capital Systems LLC Original Creditor : Jefferson Capital Systems LIC Account Opened : XX/XX/year> Current Balance : {$660.00} Account Status : Open, placed for collection Remarks : Account information disputed by consumer Date of Charge-Off : [ Provide if available ] Date of Last Payment : [ Provide if available ] Request for Debt Validation Pursuant to my rights under federal law ( FDCPA, 15 U.S.C. 1692g ) and Indiana state law, I request the following information : 1. Proof of Debt Ownership Documentation verifying that Jefferson Capital Systems LLC has the legal authority to collect this debt.

2. Original Creditor Agreement A copy of the original contract with Jefferson Capital Systems LIC, including my signature.

3. Account Breakdown A detailed accounting of how the balance of {$660.00} was calculated, including principal, interest, fees, and any other charges. 

4. Date of Charge-Off and Last Payment Official records confirming when the original creditor charged off the debt and the date of my last payment, if any.

5. Proof of Licensing and Authorization Documentation verifying that your company is licensed to collect debts in Indiana, as required by the Indiana Collection Agency Act ( IC 25-11-1 ).

6. Proof of Notification Evidence showing that I was properly notified of this debt, as required by law.

Applicable Indiana Laws In addition to federal protections, Indiana law provides specific consumer protections regarding debt collection : Indiana Deceptive Consumer Sales Act ( IC 24-5-0.5 ) prohibits unfair, abusive, or deceptive debt collection practices.

Indiana Collection Agency Act ( IC 25-11-1 ) requires debt collectors to be licensed with the Indiana Secretary of State . If your company is not licensed, you are not legally authorized to collect this debt.

Indiana Statute of Limitations on Debt ( IC 34-11-2 ) : The statute of limitations for : Written contracts is 10 years Oral contracts is 6 years Open-ended accounts ( credit cards, etc. ) is 6 years If this debt is past the statute of limitations, your company can not legally sue to collect it.

Indiana Interest & Fees Restrictions ( IC 24-4.5-3-201, IC 24-4.5-5-107 ) : Debt collectors can not charge unauthorized fees beyond the original contract terms. 

Formal Dispute & Credit Reporting Notice Per FDCPA ( 15 U.S.C. 1692g ) and FCRA ( 15 U.S.C. 1681i ) : If you fail to validate this debt within 30 days, I expect it to be removed from my credit report. 
If this debt is unverified, your company must cease all collection activity and update the credit bureaus accordingly. 

I request that all future correspondence be in writing and sent to my mailing address listed above. 

This letter serves as a formal dispute of this debt. I appreciate your prompt attention to this matter and look forward to your response.

Company response to consumer: Closed with explanation