Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Re : Formal Dispute and Validation Demand Original Balance : {$610.00} To Whom It May Concern, This letter serves as formal notification that I am disputing the validity and accuracy of the collection account listed above. This notice is sent pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

You are reporting an account as a debt buyer, originally opened on XX/XX/XXXX, with a balance of {$610.00}, currently marked as {$610.00} past due as of XX/XX/XXXX. This reporting is materially misleading, incomplete, and unverifiable, and I am demanding immediate deletion for the reasons outlined below : LEGAL BASIS FOR DISPUTE Failure to provide original creditor details or contract As a debt buyer, you are legally required to possess and provide the full chain of title, original creditor name, and signed contract to validate your right to report and collect this debt. To date, no such documentation has been provided. Per FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), failure to validate upon dispute requires cessation of collection efforts and deletion from all reporting agencies. 

Unverifiable and incomplete account status The account is reported as in collections with an unchanged balance of {$610.00}, but no payments, charges, or original terms are disclosed. This violates FCRA 623 ( a ) ( 1 ) ( A ) which mandates that all information furnished to consumer reporting agencies be complete and accurate. 

Potential re-aging of account The status updated in XX/XX/XXXX could indicate improper re-aging if the true date of first delinquency predates this. Under FC

RA 605 ( c ), you are required to report the correct date of first delinquency to ensure compliance with 7-year limitations on adverse data. Account continues to be marked as disputed with
out proper reinvestigation Your reporting includes the comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ), yet you have failed to produce validation or remove the account. This implies failure to complete a reasonable reinvestigation as required under FC

RA 611 ( a ) ( 1 ). DEMAND FOR IMMEDIATE REMEDY As
a consumer exercising my full legal rights under FCRA and FDCPA, I hereby demand that you : Delete this account immediately from all consumer credit reports ( XXXX XXXX XXXX XXXXXXXX ), as it is unverifiable and improperly reported. 

Provide the following documentation : The original signed contract or agreement Full accounting history from original creditor to present Complete chain of assignment, sale, or transfer from the original creditor to Jefferson Capital Systems Date of first delinquency Detailed description of your method of verification ( per FCRA 611 ( a ) ( 7 ) ) Cease all collection activities until and unless this validation is properly provided in writing.

If you fail to comply within 30 days of receipt of this notice, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and I will pursue all remedies available under FCRA 616, 617, and FDCPA 813 ( 15 U.S.C. 1692k ). 

This is not a refusal to pay, but a good faith request for verification. If you can not validate this debt in full, you are legally required to delete it. 

Sincerely, Mon XXXX XXXX

Company response to consumer: Closed with explanation