Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: GA

Complaint narrative:
Re : Demand for Chain of Assignment and Account-Level Documentation Under FCRA Account Number XXXX XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX Reported Balance : {$1600.00} XXXX XXXX  Dear Sir or Madam, I am writing to formally request the chain of assignment and complete account-level documentation for the above-referenced account, which JEFFERSON CAPITAL SYST XXXX XXXX XXXX is currently reporting on my credit file with a balance of {$1600.00}, and a last payment date of XX/XX/XXXX. 

This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i ( a ), which provide me the right to access all information in my consumer file, including the source of the information. In addition, under 15 U.S.C. 1681s-2 ( b ), data furnishers are required to conduct a reasonable investigation when a consumer disputes information and must delete or correct any data that can not be verified.

To date, I have not received sufficient documentation verifying that JEFFERSON CAPITAL SYST has the legal authority to report or collect on this debt. Therefore, I demand the following documentation : A complete and verifiable chain of assignment, including all bills of sale or transfer agreements from the original creditor to JEFFERSON CAPITAL SYST ; A copy of the original account agreement or contract bearing my signature ; A full payment history and account ledger, including all fees, charges, and payments ; Copies of any notices of assignment sent to me as required by state and federal law.

Illegal Reporting Without Original Creditor Authorization or Valid Contract Under the FCRA and Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector or third-party entity to report a tradeline if : The account did not originate with the reporting entity, The consumer does not have a contractual relationship with the reporting entity, and There is no documentation proving a legal assignment or ownership of the debt. 

As confirmed in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, debt collectors and furnishers who claim ownership of or report debts without evidence of assignment or authority are in violation of 15 U.S.C. 1692e, which prohibits false, deceptive, and misleading representations.

Thus, if JEFFERSON CAPITAL SYST can not produce a valid contract with me and demonstrate assignment from the originating creditor, continued reporting of this account is illegal and must be ceased immediately.

Demand for Documentation Please provide the following within 30 days of receipt of this letter : Verified chain of assignment with all supporting documents ; Copy of the original agreement or application bearing my signature ; Full account statement history, including charges and payments ; Copies of any assignment notifications issued to me ; Any documentation relied upon in furnishing this data to credit bureaus.

Preservation of Evidence JEFFERSON CAPITAL SYST is hereby directed to preserve all records, notes, emails, and internal documents related to this account. Failure to preserve evidence may constitute spoliation and lead to sanctions.

If you fail to comply or continue reporting unverifiable data, I am prepared to take legal action under the FCRA, FDCPA, and other applicable consumer protection laws. Under 15 U.S.C. 1681n, 1681o, and 1692k, you may be liable for actual damages, statutory damages, punitive damages, and attorneys fees and costs.

Please send all documentation to the mailing address above. 

Govern yourselves accordingly.

Company response to consumer: Closed with explanation