Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear CFPB Complaint Team, I am writing to file a formal complaint against JEFFERSON CAPITAL SYST, located at XXXX XXXX XXXX XXXX, XXXX MN XXXX, regarding an alleged debt they have placed on my consumer report ( credit report ) as a collection. The account number they reference is XXXX, with a balance of {$1400.00}. The account status is listed as a collection account past due as of XX/XX/year>. 

I dispute the validity and accuracy of this alleged debt in its entirety. Furthermore, the collection agency 's actions constitute multiple violations of federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the provisions outlined in Regulation F ( 12 CFR Part 1006 ).

The specific violations are as follows : Violations of Federal Consumer Protection Laws 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) The collection agency has placed a collection on my consumer report without first providing me with the required validation information. This failure to furnish the clear and concise validation notice violates 12 CFR 1006.34 ( b ) ( 5 ), which requires the debt collector to provide the consumer with the required information in the validation notice. 

XXXX. Failure to Provide a Chance to Dispute Account ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) The agency reported this collection to the credit reporting agencies before the expiration of the XXXX dispute period. I was not afforded the opportunity to dispute the debt as required, violating 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states the collector must not furnish information about a debt to a consumer reporting agency until the expiration of the XXXX dispute period. 

XXXX. Use of Unfair and Deceptive Means ( FDCPA ) The collection agency is violating my consumer rights by using false, misleading, and deceptive means in their attempt to collect this debt, primarily by reporting an unverified and disputed collection to consumer reporting agencies. This violates the general prohibition against unfair or unconscionable means to collect or attempt to collect any debt under the FDCPA. 

XXXX. Unlawful Furnishing of Information ( 12 CFR 1006.34 ( d ) and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) ) The collection agency has no authority to furnish this account information to a consumer reporting agency without providing the required initial disclosures. They are in clear violation of 12 CFR 1006.34 ( d ), regarding the furnishing of certain consumer reporting information, and 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to investigate disputes and ensure accuracy. 

Debt Dispute and Revocation of Communication Debt Dispute : I hereby formally dispute this debt and demand that JEFFERSON CAPITAL SYST cease all collection activities and immediately provide proof of the debt 's validity, along with a complete and compliant debt validation notice.

Revocation of Communication : Furthermore, I formally revoke any and all rights for JEFFERSON CAPITAL SYST to communicate with me via electronic means, including, but not limited to, email and text messages, in accordance with my rights under consumer protection laws. All future communication must be sent to me via the XXXX. Postal Service only. 

Requested Relief I respectfully request that the CFPB investigate these serious violations. I demand that JEFFERSON CAPITAL SYST immediately remove the disputed collection account # XXXX from all three major consumer reporting agencies ( XXXX XXXX, and XXXX  ) due to the statutory violations cited above. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation