Consumer complaint received 2024-02-23 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Consumer Financial Protection Bureau Subject : Dispute of Collection Agency Actions Regarding Jefferson Capital Account # XXXX Dear Sir/Madam, I am writing to file a formal complaint against Jefferson Capital regarding their actions in attempting to collect a debt associated with account # XXXX. I believe that the collection agency has violated my federally protected consumer rights as outlined in the Consumer Financial Protection Bureau ( CFPB ) regulations, specifically under the following laws : 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681 - S 2 ( 7 ) ( a ). 

On XX/XX/2023 I received communication from Jefferson Capital regarding an alleged debt owed. However, I contest the validity of this debt and have reason to believe that it may be inaccurate or improperly handled. Despite my attempts to seek validation and clarification of this debt, Jefferson Capital has failed to provide me with the necessary information and documentation required under the Fair Debt Collection Practices Act ( FDCPA ). 

Furthermore, Jefferson Capital 's actions have violated several specific regulations : 1. Under 12 CFR 1006.34 ( b ) ( 5 ), debt collectors must accurately disclose the amount of the debt owed. Jefferson Capital has failed to provide clear and accurate information regarding the debt, including any breakdown of charges, interest rates, or other pertinent details that would allow me to verify its validity.

2. According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors must provide consumers with timely and appropriate responses to their requests for information. Despite my repeated requests for validation and clarification of the debt, Jefferson Capital has failed to respond adequately or in a timely manner.

3. 12 CFR 1006.34 ( d ) outlines that debt collectors must cease collection activities until they have provided verification of the debt upon the consumer 's request. Jefferson Capital has continued to pursue collection activities without providing adequate evidence to support their claims, in direct violation of this regulation. 

4. Additionally, Jefferson Capital 's actions may be in violation of 15 USC 1681 - S 2 ( 7 ) ( a ), which pertains to the Fair Credit Reporting Act ( FCRA ). This law requires that debt collectors accurately report information to credit reporting agencies. If Jefferson Capital has inaccurately reported information regarding the debt, they may be in violation of this law.

I am also formally requesting that Jefferson Capital provide me with the purchase agreement between the original creditor and myself, as well as any other documentation establishing the legitimacy of the debt they are attempting to collect. 

These violations have caused me undue stress and inconvenience. Despite my requests for validation and clarification, Jefferson Capital has continued to pursue collection activities without providing adequate evidence to support their claims. This behavior is not only unacceptable but also constitutes a violation of my rights as a consumer under federal law. 

Therefore, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Jefferson Capital for their violations of the aforementioned regulations. I also request that any collection activities related to account # XXXX be ceased until the validity of the debt is properly verified and confirmed. 

Enclosed, please find copies of all relevant correspondence and documentation for your review. Thank you for your attention to this matter, and I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation