Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Auto 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. unit XXXX XXXX Nj XXXX XXXX [ XXXX XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against JEFFERSON CAPITAL SYSTEM regarding their unethical practices in handling a collection account associated with my consumer report. I believe that the actions of JEFFERSON CAPITAL SYSTEM are in direct violation of consumer protection laws as outlined under the Consumer Financial Protection Bureau ( CFPB ) regulations and the Fair Credit Reporting Act ( FCRA ).

Despite repeated attempts to obtain validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), JEFFERSON CAPITAL SYSTEM has failed to provide any documentation supporting the legitimacy of the debt they are attempting to collect from me. This blatant disregard for the regulations not only violates my rights as a consumer but also undermines the integrity of the debt collection process. 

Furthermore, I have not been given a fair opportunity to dispute the account, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). It is my fundamental right to challenge any inaccurate or incomplete information on my consumer report, and the failure of JEFFERSON CAPITAL SYSTEM to facilitate this process is a clear violation of consumer protection laws.

In addition to the lack of validation and dispute opportunities, JEFFERSON CAPITAL SYSTEM has resorted to false, misleading, and deceptive practices in their attempts to collect the debt. Such conduct is unacceptable and goes against the principles of fair debt collection outlined by regulatory authorities.

Moreover, JEFFERSON CAPITAL SYSTEM has furnished the account to consumer reporting agencies without providing the necessary disclosures required by law, as stipulated under 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action further demonstrates their disregard for legal obligations and consumer rights. 

In light of the aforementioned violations, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against JEFFERSON CAPITAL SYSTEM. I request that JEFFERSON CAPITAL SYSTEM be held accountable for their actions and that all necessary measures be taken to rectify the damage caused to my consumer rights and credit report.

Enclosed with this letter are copies of relevant documentation, including correspondence with JEFFERSON CAPITAL SYSTEM and any other pertinent information to support my claim. I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take decisive action to address this issue.

I am requesting validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ), and to ensure compliance with th
e Fair Credit Reporting Act ( FCRA ). It is imperative that you provide the following information : 1. Verification or a copy of the original signed contract or agreement between myself and the original creditor, proving that I am legally obligated to pay the debt.

2. Documentation showing the exact amount of the debt, including any interest, fees, or other charges that may have accrued.

3. Proof that Jefferson Capital Systems LLC is licensed to collect debts in my state.

Please be advised that failure to provide this information within the legally mandated time frame of 30 days will result in the debt being considered invalid. In such case, I will request that Jefferson Capital Systems LLC removes the collection account from all credit reporting agencies to which it has been reported. 

I expect a prompt response to this request within 30 days of the receipt of this letter. Additionally, any communication regarding this matter should be in writing and sent to the address listed at the top of this letter. 

Thank you for your attention to this matter. I look forward to resolving this issue promptly and amicably. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation