Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NH

Complaint narrative:
RE : CFPB COMPLAINT AGAINST JEFFERSON CAPITAL LLC FDCPA Violation : No Debt Validation Notice | FCRA Violation : Unverified Reporting After Dispute Respondent : Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Claimed : {$7000.00} To Whom It May Concern : I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am filing this formal complaint against Jefferson Capital LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. BACKGROUND Jefferson Capital LLC is a third-party debt buyer that purchased a XXXX XXXX XXXX charge account originally issued by XXXX XXXX XXXX XXXX XXXX XXXX and has been reporting it as an active collection of {$7000.00} on all three of my consumer credit reports since XX/XX/XXXX nearly XXXX years : - XXXX : JEFFERSON CAPITAL SYST XXXX account XXXX, balance {$7000.00} - XXXX : JEFFERSON CAPITAL XXXX, account XXXX, balance {$7000.00} XXXX XXXX XXXX JEFFCAPSYS, account XXXX, balance {$7000.00} The original XXXX account was opened XX/XX/XXXX during the XXXX national emergency. Financial hardship during this period contributed to the charge-off of this account. VIOLATION XXXX FAILURE TO SEND DEBT VALIDATION NOTICE FDCPA 15 U.S.C. 1692g Under 15 U.S.C. 1692g ( a ), a debt collector must send a written validation notice to the consumer within XXXX ( XXXX ) days of its first communication. Jefferson Capital has been reporting and collecting this debt since XX/XX/XXXX. I have never received any written debt validation notice from Jefferson Capital at any time not at my current address or any prior address. This is a direct, documented, and ongoing FDCPA violation spanning nearly XXXX full years. Under 15 U.S.C. 1692g ( b ), a debt collector must cease all collection activity including credit bureau reporting until the debt is properly validated. Since no validation notice was ever provided, Jefferson Capital has been conducting collection activity for XXXX years without fulfilling its most basic threshold legal obligation under federal law. VIOLATION XXXX DATA ERROR IN CREDIT REPORTING FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) On my TransUnion credit report, Jefferson Capital lists the original creditor as XXXX XXXX XXXX with a numeric prefix that does not appear on any other bureau reporting of this same account. Reporting an inaccurate original creditor name is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. VIOLATION XXXX CONTINUED REPORTING AFTER DISPUTE FCRA 15 U.S.C. 1681s-2 ( b ) My TransUnion credit report contains the notation Account information disputed by consumer on the Jefferson Capital tradeline , confirming a prior dispute was received. Despite this, Jefferson Capital : ( 1 ) continued reporting {$7000.00} unchanged ; ( 2 ) never corrected the data error in the original creditor name ; and ( XXXX ) provided no payment history on the account. This does not constitute a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). Certifying accuracy after a dispute without correcting a documented data error constitutes willful noncompliance under 15 U.S.C. 1681n. VIOLATION XXXX DUPLICATE REPORTING OF SAME DEBT ACROSS XXXX TRADELINES XXXX XXXX continues to report this same {$7000.00} debt as a charge-off on XXXX XXXX XXXX while Jefferson Capital simultaneously reports it as an active collection on all three bureaus. XXXX original debt is appearing XXXX times across XXXX bureaus from XXXX separate furnishers. This compounding duplicate reporting causes actual damages to my consumer credit profile and creditworthiness far beyond what a single debt should cause. RELIEF REQUESTED I respectfully request the CFPB take the following actions : XXXX. Investigate Jefferson Capital LLC for FDCPA violation of XXXX U.S.C. XXXX failure to provide written debt validation notice within 5 days of first contact. XXXX. Investigate Jefferson Capital LLC for FCRA violations data error on TransUnion, failure to conduct reasonable investigation after dispute, and continued collection reporting without validation. XXXX. Order Jefferson Capital LLC to immediately delete all three collection tradelines from XXXX XXXX XXXX XXXX XXXX. Investigate the duplicate reporting situation involving XXXX XXXX and Jefferson Capital simultaneously reporting the same {$7000.00} debt across multiple bureaus. XXXX. Assess civil money penalties against Jefferson Capital LLC for willful and repeated violations of federal consumer protection law. Additionally, the charge-off date reported by Jefferson Capital differs from the original charge-off date reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX This inconsistency across tradelines is a further reporting inaccuracy in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) and raises questions about illegal debt re-aging under 15 U.S.C. 1681c I am simultaneously sending certified demand letters to Jefferson Capital, XXXX XXXX XXXX XXXX XXXX XXXX I am prepared to pursue civil litigation in United States District Court under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n ( FCRA ) if this matter is not resolved. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pro Se Attachments : - XXXX credit report : XXXX and JEFFERSON CAPITAL SYST tradelines - XXXX credit report : ghost MEDICAL tradeline and JEFFERSON CAPITAL LL tradeline - XXXX credit report : XXXX and JEFFCAPSYS tradelines ( showing data error )

Company response to consumer: Closed with explanation