Consumer complaint received 2026-05-13 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: NJ

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems , LLC for failing to respond to my formal written dispute and debt validation request that I mailed via Certified Mail with Signature Required in XX/XX/year>. In XX/XX/year>, I sent Jefferson Capital Systems , LLC a formal Notice of Dispute, Demand for Debt Validation, and Cease and Desist notice regarding an alleged debt they are attempting to collect and report on my consumer credit reports. I will be attaching a copy of my original letter along with proof of mailing and certified mail receipt. I also have postal delivery confirmation and signature proof available upon request. As of XX/XX/year>, Jefferson Capital Systems , LLC has failed to provide any response, validation, verification, or competent evidence that this alleged debt is legally valid, accurate, enforceable, or belongs to me. Despite receiving my written dispute, they continue to report this account to consumer reporting agencies. Their actions appear to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : FDCPA 15 U.S.C. 1692g ( b ) Failure to properly validate the debt after receiving a timely dispute request. Collection activity must cease until validation is provided. FDCPA 15 U.S.C. 1692e Prohibits false, deceptive, or misleading representations in connection with debt collection. FDCPA 15 U.S.C. 1692e ( 8 ) Prohibits communicating or threatening to communicate false credit information, including failure to communicate that a debt is disputed. FDCPA 15 U.S.C. 1692f Prohibits unfair or unconscionable collection practices. FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers of information have a duty to provide accurate information to consumer reporting agencies and may not report information they know or should know is inaccurate. FCRA 15 U.S.C. 1681s-2 ( b ) Requires furnishers to conduct a reasonable investigation after receiving notice of a dispute regarding reported information. FCRA 15 U.S.C. 1681e ( b ) Requires maximum possible accuracy of information reported on consumer credit files. Jefferson Capital Systems , LLC has ignored my lawful request for validation and has failed to provide : 1. A copy of any signed agreement or contract bearing my signature ; 2. Proof they have legal standing to collect this alleged debt ; 3. A complete payment history and accounting of the alleged balance ; 4. Proof the amount claimed is accurate ; 5. Verification that the debt is within the applicable statute of limitations ; 6. Proof they are authorized to report this account to credit bureaus. Because they failed to validate this alleged debt after receiving my dispute notice, I request the CFPB require Jefferson Capital Systems , LLC to : 1. Immediately cease all collection activity ; 2. Remove all inaccurate and unverified reporting related to this account from all consumer reporting agencies ; 3. Mark the account as disputed with all credit bureaus if not already done ; 4. Provide full written validation and documentary evidence of the alleged debt if they claim it is valid ; 5. Cease reporting any false, misleading, incomplete, or unverifiable information. If Jefferson Capital Systems , LLC can not fully validate this alleged debt with competent evidence, then continued reporting constitutes inaccurate and potentially unlawful credit reporting under federal law. I request a full investigation into these practices and immediate corrective action.

Company response to consumer: Closed with non-monetary relief