Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX Ct XXXX, IL XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX Cloud, MN XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF MULTIPLE ALLEGED ACCOUNTS Account # XXXX {$1300.00} Account # XXXX {$4000.00} Account # XXXX {$4000.00} Account # XXXX {$1300.00} To Whom It May Concern, This letter is a formal dispute and demand for immediate validation regarding the multiple alleged accounts your company is reporting in my name. These accounts, including those labeled under XXXX and JEFFCAPSYS, are currently being reported on my consumer credit profile and are in active dispute. 

As required by federal law under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, you must immediately provide full and proper legal validation for each of the above-listed accounts.

I DO NOT ACKNOWLEDGE OR ACCEPT LIABILITY for these alleged debts. Until proper validation is provided, you must immediately cease all reporting and collection activity. You are required to send me the following documentation for each individual account : The Original Signed Contract or Promissory Note bearing my wet signaturenot a generic application, billing summary, or digital reproduction.

A legally Binding Agreement showing that I agreed to the terms, balance, and any assignment or transfer of these debts.

A Complete Flow Sheet showing all activity, charges, fees, and balances from origination to present.

Proof of Chain of Custody / Legal Assignment for each account from the original creditor to Jefferson Capital Systems.

Proof that none of these debts are past the Statute of Limitations in the state of Illinois, with detailed timelines and activity dates.

Proof that Jefferson Capital Systems is properly licensed and authorized to collect debts in Illinois, including license number and issuing agency.

The name, title, and contact information of the individual who verified these accounts with any credit bureau.

A sworn affidavit or written statement affirming that you did not use e-OSCAR or any third-party automated system to verify the reporting of these debts. Use of such systems does not meet legal reinvestigation standards under the FCRA.

A billing statement or data snapshot is NOT legal validation. If you can not produce each and every item above, you are legally obligated to : Immediately delete these accounts from all consumer credit reporting agencies Cease all communications and collection efforts You have 15 calendar days from the date you receive this letter to comply. If you fail to respond with complete validation, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Initiate civil litigation to pursue statutory and punitive damages for every violation committed under the FCRA, FDCPA, and UCC I am invoking my rights under UCC 1-308. I do not waive any legal protections. Consider this your final notice to comply with federal law. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation