Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for harassment, unauthorized electronic contact, and violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Between XXXX and XX/XX/year>, I received multiple unsolicited emails from JeffersonCapitalXXXX regarding a supposed XXXX account. These emails were sent without my consent and continued on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, all containing identical messages. 

At no point did Jefferson Capital send me a written debt validation notice, as required by law. Instead, they have continued to contact me via email, which constitutes unauthorized communication, harassment, and noncompliance with federal debt collection regulations. 

Violations Committed Unauthorized Communication 15 U.S.C. 1692c ( a ) ( 1 ) Debt collectors may not communicate with a consumer by any means known to be inconvenient or without the consumers prior consent. 
I never consented to receive communications via email. Therefore, all messages from JeffersonCapitalXXXX are unauthorized and unlawful under 1692c and Regulation F, 12 C.F.R. 1006.6 ( d ), which strictly limits electronic communications without prior written authorization.

Failure to Validate Debt 15 U.S.C. 1692g ( a ) Jefferson Capital failed to send a required validation notice within five days of their first contact, as required by 1692g ( a ).

No documents verifying the existence, ownership, or legal enforceability of this alleged debt have ever been received.

Harassment and Abuse 15 U.S.C. 1692d The repetitive and unwanted electronic communications constitute harassment and abuse, prohibited under 1692d.

False or Misleading Representations 15 U.S.C. 1692e ( 2 ) ( A ) & ( 10 ) Continuing contact without verification misrepresents the debts legal status and is deceptive and misleading under the FDCPA.

Violation of the Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ) If Jefferson Capital furnished this alleged debt to any consumer reporting agency without validation, they have violated their duty to provide accurate information under the FCRA.

Cease and Desist Notice Under 15 U.S.C. 1692c ( c ), this letter serves as a formal Cease and Desist demand.

Effective immediately : You are hereby ordered to cease all forms of communication with me, including but not limited to emails, phone calls, text messages, or third-party contacts.

All future correspondence must be sent in writing via certified mail only, and only for the purpose of providing proper debt validation as required by law.

Failure to comply with this demand will constitute a willful violation of federal law, subjecting Jefferson Capital Systems , LLC to statutory damages under 15 U.S.C. 1692k and potential civil litigation. 

Any further communication outside of legal requirements will be documented and used as evidence of harassment.

Company response to consumer: Closed with explanation