Consumer complaint received 2025-11-23 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:
XX/XX/XXXX Re : Account XXXX. XXXX XXXX  / Alleged Balance {$2100.00} # # # FORMAL DEMAND FOR IMMEDIATE DELETION, CEASE & DESIST, AND NOTICE OF LEGAL CLAIMS To Whom It May Concern, This letter serves as my formal dispute of the above-referenced account and an official demand for immediate deletion from all consumer reporting agencies. I also issue a full cease and desist of all credit reporting and collection activity related to this alleged XXXX account. 

Jefferson Capital Systems is reporting a {$2100.00} collection account as of XX/XX/XXXX. I dispute the validity, legal status, ownership, and accuracy of this alleged debt. 

Your reporting is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) for the reasons stated below. 

# # # 1. Violations of the FCRA 15 U.S.C. 1681s-2 As a furnisher of information, you are legally required to report information with maximum possible accuracy. The following reporting elements are inaccurate, incomplete, or misleading : - Alleged past-due balance - Status as an active collection - Ownership and assignment of the debt - Date of first delinquency and status dates- Failure to provide proof of contractual obligation Continuing to report unverifiable data is a violation of 1681s-2 ( a ) ( 1 ) ( A ). 

# # # XXXX. Violations of the FDCPA 15 U.S.C. 1692 Under the FDCPA, it is illegal to : - Misrepresent the character, amount, or legal status of the debt ( 1692e ( 2 ) ) - Communicate false credit information ( 1692e ( 8 ) ) - Engage in unfair or unconscionable means ( 1692f ) - Continue collection efforts without validation ( 1692g ( b ) ) Jefferson Capital has not provided any proof of ownership, proof of assignment from XXXX, or original signed agreement, which you are required to have prior to reporting. 

# # # XXXX. Proof of Ownership Required Before Reporting As a debt buyer, you are required to maintain : - Chain of title - Purchase agreements- Bill of sale - Original account-level documentation If you can not produce these, you have no legal basis to report or collect the alleged debt. 

# # # XXXX. Cease & Desist Effective Immediately Pursuant to 15 U.S.C. 1692c ( c ), you are ordered to cease and desist all collection activity, including : - Reporting or updating this account - Sending mail - Calling, texting, or emailing- Communicating through credit bureaus The only permissible communication going forward is written confirmation that the account has been deleted. 

# # # XXXX. Demand for Immediate Deletion Due to the violations described above, you are required to delete this account entirely from : - XXXX  - XXXX  - XXXX  You have 7 days from receipt of this notice ( XX/XX/XXXX ) to confirm deletion. 

I'm also sending a copy of this letter to the Federal Trade Commission, Illinois Department of Financial and Professional Regulation, Consumer Financial Protection Bureau, Illinois Attorney General, and The National Association of Attorneys General

Company response to consumer: Closed with explanation