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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF MULTIPLE ALLEGED ACCOUNTS IN DISPUTE The following accounts are being reported under my name and are formally disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$430.00} To Whom It May Concern, This letter is a formal dispute and demand for complete legal validation of the above-referenced accounts currently being reported under my name by Jefferson Capital Systems XXXX I, XXXX XXXX XXXX, do not acknowledge or accept liability for these alleged debts. 

Until proper and complete legal documentation is provided, you are required to immediately cease all collection activity and credit reporting. You are bound to comply with 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. For each account listed above, I demand the following : The
Original Signed Contract or Agreement that initiated the alleged debt, with my wet signature.

A Binding Agreement showing I agreed to the terms and balance of each account.

A Full Account Ledger or Flow Sheet showing every charge, interest fee, payment, and calculation that led to the current balance.

Proof of Legal Assignment from the original creditor to Jefferson Capital Systems, including purchase agreements and documentation of ownership rights. 
Proof that none of these accounts are beyond the Statute of Limitations for collection in Illinois, including full date breakdowns and last activity history.

Proof that Jefferson Capital Systems is licensed to collect debts in the state of Illinois, with license number and issuing authority.

The full name, department, and contact details of the individual who verified these accounts with the credit bureaus. 
A sworn statement that no verification was conducted through XXXX  or other automated systems, which do not meet legal requirements under the FCRA. 
Let me be clear : a bill, spreadsheet, or " verified '' remark is not legal validation. If you are unable to provide all of the above documentation, you are legally obligated to : Immediately remove all XXXX accounts from XXXX XXXX XXXX XXXX  Cease all further collection efforts and communication If I do not receive full and proper validation within XXXX calendar days, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office Initiate civil litigation for violations of the FDCPA, FCRA, and UCC, and pursue statutory damages for each account I invoke UCC 1-308. I do not waive any rights or protections under federal or state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation