Consumer complaint received 2026-01-09 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: NY

Complaint narrative:
FORMAL CONSUMER COMPLAINT Regarding : Jefferson Capital Systems , LLC Alleged XXXX Account To Whom It May Concern, I am submitting this formal, aggressive consumer complaint regarding the attached correspondence dated XX/XX/year>, issued by Jefferson Capital Systems , LLC XXXX XXXX which they claim to be the owner and current creditor of an alleged XXXX  account that I do not recognize, did not authorize, and never validated. 

I hereby dispute this account in its entirety and demand its immediate and permanent closure, along with a full cease and desist of all collection activity, including any attempt to sell, assign, transfer, or report this account to any third party. 

I. Lack of Standing and Loss of Legal Rights Upon Sale of the Account Once an alleged account is sold, assigned, or transferred, the original creditor permanently loses the legal right to collect, enforce, or report the debt unless strict statutory requirements are met. 

Jefferson Capital claims ownership, yet has failed to establish lawful standing, in violation of : FDCPA 1692e ( 2 ) ( A ) False representation of the legal status of a debt FDCPA 1692f Unfair or unconscionable collection practices Without a complete chain of title, Jefferson Capital has no enforceable rights. 

XXXX. Failure to Provide Mandatory Debt Validation Violation of FDCPA 1692g ( a ) and 1692g ( b ) I have never received : A valid debt validation notice within XXXX ( XXXX ) days of initial contact A copy of the original signed contract A complete itemized accounting Proof of lawful assignment from the original creditor to Jefferson Capital Under FDCPA 1692g ( b ), all collection activity must cease until proper validation is provided. Any continued attempt to collect or report this account is illegal.

III. Unauthorized Collection and Abusive Practices Violations of FDCPA 1692c, 1692d, 1692e, and 1692f Jefferson Capitals conduct constitutes abusive and deceptive practices, including : Attempting to collect a disputed and unverified debt Misrepresenting ownership and authority Failing to clearly disclose consumer rights These actions violate the Fair Debt Collection Practices Act in multiple sections and demonstrate a pattern of abusive collection behavior. 

IV. Unlawful Credit Reporting and Threatened Reporting Violations of FCRA 1681b ( a ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681s-2 ( b ) The attached letter explicitly states the intent to report this account to credit bureaus. Any such reporting is strictly prohibited because : The debt is disputed The debt is unverified Ownership has not been lawfully established Under the Fair Credit Reporting Act, unverifiable information must be deleted, not reported. 

XXXX Prohibition on Re-Selling or Re-Assigning the Account Any attempt to sell, reassign, or transfer this account after formal dispute constitutes : Willful noncompliance under FCRA 1681n Further FDCPA violations under 1692e and 1692f I explicitly prohibit Jefferson Capital from transferring this account in any form. Doing so will be considered intentional consumer harm.

Company response to consumer: Closed with explanation