Consumer complaint received 2024-12-17 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: OR

Complaint narrative:
To : Jefferson Capital System, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX Re : Docket XXXX To whom it may concern : I am sending this letter to you in response to notice I received from you on XX/XX/year> Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices, Act 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. 

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.

Please provide the following : 1. What the money you say I owed is for : 2. Explain and show me how you calculated what you say I owe : 3. Provide me with copies of any papers that show I agreed to pay what you say I owe ; 4.Provide a verification or copy of any judgement if applicable ; 5. Identify the original creditor ; 6. Prove the statute of limitations has not expired open this account ; 7. Show me that you are licensed to collect in my state ; And 8. Provide me with your license numbers and Registration Agent If your offices have reported invalid information to any of the three major Credit Bureau XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and state laws. Due to this fact, If any negative mark is found on any of my credit reports by your company that you represent, I will not hesitate bringing legal action against you for the following : * Violation of the Fair Credit reporting Act * Violation of the Fair Debt Collection Practices Act * Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least 30days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, If any action is taken could be considered detrimental to any of my credit reports, I will consult legal counsel.This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

If your offices fail to respond to this validation request in 30days from the date off your receipt, all reference to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.

I would also request, in writing that no telephone contact to be made by your office to my home, cell phone or to my place of employment. If your offices attempt telephone communication with me including but not limited to computer generated calls or correspondence to any third parties, It will be considered harassment and I will have no choice but to file a complaint. ALL future communications MUST be done in writing and sent to the address noted in this letter. 

Please refrain from contacting any of the financial institutions where I have accounts or with which I have relationships. you have no right to access any of my personal or financial information that isn't part of public records. 

This is an attempt to correct your records, any information obtained shall be used for that purpose. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX OR XXXX

Company response to consumer: Closed with explanation