Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Balance Reported : * * {$2600.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * XXXX * * Remarks : * * Placed for Collection * * Complaint * * I am filing this complaint against Jefferson Capital Systems , LLC regarding a collection account being reported on my consumer credit reports. Jefferson Capital Systems is reporting a collection account with a balance of {$2600.00} allegedly associated with XXXX. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to report information accurately and completely to consumer reporting agencies. Under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, furnishers must conduct a reasonable investigation and review all relevant information before continuing to report the account. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means to collect debts and must possess sufficient documentation to validate debts they seek to collect or report. As a debt buyer and collector, Jefferson Capital must be able to demonstrate ownership of the account and provide documentation supporting the amount being reported. I am requesting validation of this debt because I have not been provided sufficient documentation proving the debt 's validity, ownership, or accuracy. I request that Jefferson Capital provide : 1. A copy of the original agreement or contract creating the alleged obligation with XXXX. 2. Documentation proving I am legally responsible for the debt. 3. Documentation establishing Jefferson Capital 's ownership of the account or authority to collect it. 4. The complete chain of assignment, transfer, or sale from XXXX to Jefferson Capital. 5. A complete payment history and accounting supporting the reported balance of {$2600.00}. 6. Documentation establishing the date of first delinquency. 7. Documentation demonstrating that the amount being reported is accurate and supported by business records. 8. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. 9. Copies of any records used to verify the account during prior dispute investigations. The Consumer Financial Protection Bureau has repeatedly stated that debt collectors and furnishers must maintain adequate records to ensure the accuracy and integrity of information furnished to consumer reporting agencies. If Jefferson Capital can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Jefferson Capital Systems , LLC conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief