Consumer complaint received 2026-06-09 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Complaint * * I am filing this complaint against Jefferson Capital Systems , LLC regarding the reporting and collection of an alleged debt that I dispute. Jefferson Capital Systems is furnishing information to consumer reporting agencies and/or attempting to collect a debt that I believe has not been properly validated or verified. I am concerned about the accuracy, completeness, and validity of the information being reported and request a thorough investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not report information that is inaccurate, incomplete, or misleading. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, furnishers must conduct a reasonable investigation and review all relevant information before continuing to report the account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation establishing the validity of the debt, the amount owed, and their authority to collect the debt. I dispute the validity, ownership, and accuracy of the alleged debt and request that Jefferson Capital Systems provide : 1. Documentation identifying the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Jefferson Capital Systems ' ownership of the account or authority to collect it. 5. The complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the balance being reported. 7. Documentation establishing the date of first delinquency. 8. Documentation demonstrating that the amount being reported is accurate and supported by business records. 9. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. 10. Copies of any records used to verify the account during prior disputes or investigations. The Consumer Financial Protection Bureau has emphasized that debt buyers and debt collectors must maintain adequate records to support the accuracy and integrity of information furnished to consumer reporting agencies. If Jefferson Capital Systems can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information in violation of federal law. * * Requested Resolution * * I request that Jefferson Capital Systems conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation