Consumer complaint received 2024-09-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Subject : Dispute of Collection Account and Request for Procedural Investigation To Whom It May Concern : I am writing to dispute the collection account listed under my name on my credit report and to request an immediate procedural investigation. This account has been reported in violation of federal laws that protect consumers, specifically 12 CFR 1006.34 and 15 USC 1681-s2. I have not received the required validation information, and I have not been provided an opportunity to dispute the debt before it was placed on my credit report. 

Details of the Disputed Account : Account Name/Number : Jefferson Capital SystemsXXXX Date of First Appearance on Credit Report : XX/XX/year> Violations by Your Agency : Failure to Provide Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), you are required to provide specific validation information regarding the debt before furnishing this account to any consumer reporting agency. To date, I have not received this information. 
Denial of Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have the right to dispute the validity of this debt within 30 days of receiving the validation information. Since you failed to provide this, my rights have been violated. 

Use of False, Misleading, or Deceptive Means : Your agencys actions in reporting this debt without the required disclosures and validation constitute false, misleading, and deceptive practices under federal law, specifical

ly 15 USC 1681-s2 and 12 CFR 1006.34 ( d ). Unauthorized Furnishing to Consumer Reporting Agenci
es : You have no authority to report this account to any consumer reporting agency without providing all legally required disclosures. Your actions are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). 

Requested Actions : Immediate Removal of the Collection Account : I demand the immediate removal of this collection account from all consumer reporting agencies until you can provide the legally required validation and dispute information. 

Cease All Collection Activities : Cease all collection activities, including reporting to credit bureaus, until my rights under federal law have been fully respected. 
Provide All Required Documentation : Provide all required validation information and disclosures under 12 CFR 1006.34 ( b ) ( 5 ), and allow me the opportunity to dispute this account as mandated by law. 

Correct Reporting Procedures : Ensure that your reporting procedures comply with 12 CFR 1006.34 and 15 USC 1681-s2 to avoid future violations. 
Failure to address this matter promptly and in accordance with federal regulations will leave me no choice but to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response to this dispute and confirmation of your compliance within 30 days. Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation