Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AZ

Complaint narrative:
To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Account No. XXXX Subject : Immediate Debt Validation Demand, Cease Reporting & Immediate Deletion FDCPA & FCRA Violations To Whom It XXXX Concern : This is a formal dispute and demand for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) regarding the account you are reporting as a collection referenced above. 

You must immediately cease all collection activity and immediately remove this tradeline from all consumer reporting agencies unless you produce the following unequivocal documentation within XXXX ( XXXX ) business days of your receipt of this letter : A complete, authenticated chain of title/assignment from the original creditor ( XXXX Credit Card ) to Jefferson Capital Systems showing every transfer, assignment, or sale with dates and consideration paid. 

Furthermore, you have failed to send any validation notice within XXXX ( XXXX ) days of your initial communication as required under 15 U.S.C. 1692g ( a ) and 12 C.F.R. 1006.34. 

Please provide documentary proof and postal tracking information ( including the XXXX certified mail tracking number or equivalent ) showing that a timely validation notice was ever sent to me. Absent such proof, any claim that notice was sent will be deemed false and deceptive representation under 15 U.S.C. 1692e ( XXXX ) and evidence of willful noncompliance with federal law. 
The original contract or agreement containing my original wet-ink signature that establishes privity of contract with the original creditor. 

A complete accounting ledger or transaction history evidencing how the alleged balance ( {$1400.00} ) was calculated. 

Proof you are a bona fide purchaser for value and the instrument ( XXXX ) or agreement ( XXXX ) that lawfully convey the right to collect and to report this debt. 

If you can not produce these documents immediately, you have no lawful basis to report or attempt to collect this alleged obligation. Your continued reporting or collection under such circumstances constitutes false, deceptive, or misleading behavior in violation of 15 U.S.C. 1692e, 1692f, and the FCRAs accuracy and furnishing provisions ( 15 U.S.C. 1681s-2 ). The reporting of multiple charge-offs and inconsistent charge-off dates is a re-aging and accuracy violation under the FCRA. 

You are on notice that courts require debt buyers to provide documentary evidence of assignment and ownership before enforcement or reporting see XXXX v. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. 2019 ) and controlling authority that a bare statement of ownership is insufficient. 

Because I will be uploading this dispute and these facts to the CFPB and the major credit reporting agencies, this is your final opportunity to avoid litigation. If you do not delete the tradeline and confirm deletion to me and each nationwide consumer reporting agency within XXXX ( XXXX ) business days, I will : XXXX a federal action for statutory and actual damages under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including attorneys fees and costs ; and Seek all remedies available at law and in equity, including punitive damages for willful violations. 

Take notice : purchasing an account does not convey the right to buy or traffic in my personal identifying information. Any unauthorized use or dissemination of my personal data will be asserted as identity theft and a separate violation subject to criminal and civil remedies. 

Delete this tradeline and confirm deletion to me in writing within XXXX ( XXXX ) business days to avoid further action.

Company response to consumer: Closed with explanation