Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate, misleading, and potentially unverifiable reporting of a collection account reported by Jefferson Capital Systems on my credit file. ACCOUNT AT ISSUE : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Original Creditor : XXXX Account Type : Debt Buyer Reported Balance : {$570.00} Status Reported : Collection Account Date Opened : XX/XX/year> NATURE OF THE DISPUTE This account is being reported as a collection account by a debt buyer, yet I have not been provided with sufficient documentation proving : Ownership of the alleged debt Valid assignment or transfer of the account Contractual liability Complete accounting of the charges Verification of the balance being reported Despite the derogatory reporting, I have not received : Original signed agreement Original service contract Itemized billing records Documentation showing lawful transfer from XXXX to Jefferson Capital Systems Documentation proving the amount being reported is accurate DEBT BUYER REPORTING CONCERNS Jefferson Capital Systems is reporting this account as a debt buyer. As a debt buyer, they must possess documentation sufficient to establish : The identity of the alleged debtor The validity of the debt The chain of assignment The accuracy of the balance Their legal authority to collect and report the debt Without this documentation, the account can not be properly verified. CONTINUED COLLECTION REPORTING WITHOUT VALIDATION The account continues reporting monthly collection status despite the absence of supporting documentation. The reporting creates ongoing harm to my creditworthiness while the debt remains unverified. A collection account should not continue reporting without complete and verifiable documentation supporting : Ownership Assignment Balance accuracy Contractual obligation XXXX XXXX REPORTING CONCERNS XXXX XXXX XXXX reporting standards : Collection reporting must be complete and accurate Data fields must be logically consistent Debt buyers must report accurate account ownership and balance information Reporting must not contain incomplete or unverifiable information If Jefferson Capital Systems can not provide complete and verifiable records, the account should not continue reporting. FAILURE TO PROVIDE REQUIRED DOCUMENTATION To date, I have not been provided with : Original signed agreement with XXXX Complete billing statements Payment history Chain of assignment documents Purchase/transfer records Method of verification Documentation supporting the reported balance A generic claim that the account was verified is insufficient. FCRA VIOLATIONS FCRA 1681e ( b ) Failure to ensure maximum possible accuracy. FCRA 1681i Failure to conduct a lawful and reasonable investigation if disputed. FCRA 1681s-2 ( b ) Failure of the furnisher to properly investigate disputed information. BURDEN OF PROOF The burden rests with : Jefferson Capital Systems The credit reporting agencies The furnisher to prove : Ownership of the debt Accuracy of the balance Valid assignment Accuracy of reporting Compliance with federal reporting requirements I am not required to prove that the account is invalid. I need documents signed to investigate who opened this account in my name.

Company response to consumer: Closed with non-monetary relief