Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Re : Dispute of Inaccurate Collection Account Jefferson Capital Systems, XXXX Number : XXXXAmount : $ XXXX File Number/Consumer ID : XXXX Dear Sir or Madam : I am writing to formally dispute inaccurate and incomplete information appearing on my credit report under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, I dispute the collection account reported by Jefferson Capital Systems , LLC in the amount of {$380.00}, opened XX/XX/year>, listed as open with a status showing 180 days late ( or equivalent derogatory status ), with no prior delinquency history ( e.g., no 30-, 60-, 90-, or 120-day late payments reported ).

This information is inaccurate and unverifiable for the following reasons : 1. No progressive delinquency history or accurate status codes reported : Metro 2 reporting format ( used by furnishers to submit data to CRAs ) requires accurate account status codes reflecting sequential delinquencies ( e.g., 71 for 30-59 days past due, 78 for 60-89, up to 84 for 180+ days ) and corresponding payment ratings. Reporting a severe 180-day delinquency without any prior 30/60/90/120-day stages violates Metro 2 compliance and constitutes inaccurate reporting under FCRA 1681e ( b ) ( requiring CRAs to follow reasonable procedures for maximum accuracy ) and 1681s-2 ( a ) ( furnisher duty to provide accurate information ). 
2. Incorrect or missing Date of First Delinquency ( DOFD ) : No valid DOFD is provided or verifiable, violating 15 U.S.C. 1681c ( limiting reporting of negative information to 7 years + 180 days from DOFD ) and furnisher obligations under 1681s-2 ( a ) ( 5 ) to report DOFD for delinquent/charged-off accounts within 90 days. This inaccuracy can improperly extend the reporting period.

3. No proof of ownership or right to collect : There is no evidence of valid assignment from the original creditor to Jefferson Capital Systems , LLC, nor any chain of title. Furnishers must report their role accurately under Metro 2 and FCRA 1681s-2 ( a ). Without verification, this is incomplete/inaccurate.

4. No notice of furnishing negative information : Furnishers must provide written notice before or within 30 days of reporting negative information ( delinquencies, late payments ) under 15 U.S.C. 1681s-2 ( a ) ( 7 ). I received no such notice.

5. No method of verification or original documents provided : Upon information and belief, the furnisher has not conducted a proper investigation or provided original documents/proof of debt, late payments, or assignment, as required under 1681s-2 ( b ) after notice of dispute. Automated e-OSCAR responses without substantive review violate the FCRAs requirement for a reasonable investigation.

6. Overall unverifiable and misleading reporting : The furnisher uploaded false or unverified data via e-OSCAR, and the CRA failed to properly investigate. This violates FCRA duties to investigate disputes ( 1681i ( a ) ), correct/delete unverifiable items, and assure accuracy ( 1681e ( b ) and 1681s-2 ( b ) ).

I demand that you conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), including direct verification with the furnisher and review of all provided information. If the information can not be verified as accurate and complete ( including original proof of debt, assignment, DOFD, and sequential delinquencies ), you must permanently delete this account from my file and block its reinsertion. Provide written results within 30 days, including a description of the procedure used.

Additionally, due to this inaccurate reporting, I have suffered damages including harm to my credit score, inability to obtain credit, and emotional distress. I reserve the right to seek actual, statutory, and punitive damages, attorneys fees, and costs under FCRA 1681n and 1681o for willful or negligent noncompliance.

Cease and Desist Demand ( to furnisher, copy to CRA ) : Pursuant to FDCPA 1692c ( if applicable as a third-party debt collector ), I demand that Jefferson Capital Systems , LLC immediately cease and desist all collection activities and communications ( including phone, email, mail, internet, and credit reporting ) until full validation is provided. Report the dispute to any CRA if already reported, and delete if unverifiable.

Enclosed : Copy of my credit report with disputed item highlighted ; copy of my identification.

I expect prompt compliance. Failure to do so may result in further action.

Company response to consumer: Closed with explanation