Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX to Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Dispute of Account Not an Acknowledgment of Debt To Whom It May Concern : I am writing to dispute two items listed on my recent credit report by Jefferson Capital Systems, related to alleged XXXX XXXX XXXX  credit card accounts. This letter is not an acknowledgment of debt, but rather a formal dispute of the accuracy and validity of these entries. 
I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Under the FCRA, particularly 15 U.S.C. 1681i, I have the right to dispute the completeness and accuracy of information reported by furnishers to credit reporting agencies. The presence of these collection accounts on my credit report negatively impacts my creditworthiness, and I dispute their accuracy and your legal right to report them.

Furthermore, under the FDCPA, specifically 15 U.S.C. 1692e, it is a violation for a debt collector to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This includes falsely representing the character, amount, or legal status of any debt, or making threats to take any action that can not legally be taken or that is not intended to be taken. 
Additionally, under 15 U.S.C. 1692f, a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. This includes attempting to collect any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 
To ensure the accuracy and validity of these reported accounts, and to fulfill your obligations under the FCRA and FDCPA, I request the following : 1. Documentation demonstrating your legal right to collect on these specific accounts, including the original contract or agreement bearing my signature.

2. A detailed accounting of the payment history for each account.

3. Proof of the chain of title or assignment that legally transfers ownership of these debts to Jefferson Capital Systems.

4. Confirmation as to whether an insurance claim has been filed or paid on these alleged debts.

5. The forward flow agreement pertaining to these accounts. 
Please be advised that under 15 U.S.C. 1681s-2 ( b ) of the FCRA, if you determine that the information you furnished is inaccurate or incomplete, you are required to promptly notify the credit reporting agencies of such determination and provide all necessary information to correct the inaccuracy or incompleteness. 
Should you be unable to provide the requested documentation in a timely manner, I demand that both alleged XXXX XXXX accounts be immediately deleted from my credit report with all three major credit bureaus. Failure to do so may result in further action. 
Thank you for your prompt attention to this critical matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation