Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: NC

Complaint narrative:
I am filing a complaint against Jefferson Capital Systems for illegally reporting, failing to validate, and re-aging a purchased debt related to XXXX  XXXX, as well as against the credit bureaus for failing to properly investigate and disclose the Method of Verification ( MOV ) per FCRA 611 ( a ) ( 7 ).

Jefferson Capital Systems is reporting a {$1400.00} collection account, opened on XX/XX/scrub> 2025, with no legitimate account history, no itemization, and no original charge-off timeline from XXXX XXXX C status reporting began in XX/XX/scrub> 2025, yet no contract, no billing history, and no proof of ownership has ever been provided. 

This debt was purchased, yet I never received any written validation notice as required under FDCPA 1692g. The account was placed on my credit report and updated multiple times, including as recently as XX/XX/year>2025, without any validation or proper dispute response. 

The account appears to have been illegally re-aged. The original account with XXXX  XXXX most likely went delinquent well before 2025, yet Jefferson is reporting this as a newly opened collection accountdeliberately resetting the 7-year clock to keep it on my credit report longer. This is a direct violation of FCRA 605 ( c ) and 623 ( a ) ( 5 ).

I submitted disputes regarding this account, and the credit bureaus responded stating it was verified, but failed to provide the legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). I have the right to know : How the debt was verified Who verified it What documents were reviewed And why no validation was sent to me directly from the furnisher ( Jefferson Capital ) Their continued furnishing of unverifiable, incomplete, and misleading data violates : FCRA 1681e ( b ) failing to ensure maximum possible accuracy FCRA 611 ( a ) failure to investigate disputed information FCRA 611 ( a ) ( 7 ) failure to disclose Method of Verification upon request FDCPA 1692g ( b ) continuing collection activity after a debt has been disputed without validation FDCPA 807 ( 2 ) ( A ) misrepresenting the character, amount, or legal status of the debt I am demanding the following resolution : Immediate deletion of this tradeline from all credit bureaus Full MOV disclosure from the credit bureaus, as required by law Full debt validation from Jefferson Capital Systems including : The original signed agreement Complete billing and payment history Itemization of charges and fees Proof of assignment from XXXX  XXXX to Jefferson Capital A full investigation into Jefferson Capital Systems pattern of re-aging debts and reporting unverifiable tradelines If this is not resolved promptly, I will escalate to : The FTC Minnesota Attorney General ( Jeffersons jurisdiction ) State Department of Justice And I will consider filing civil action under FCRA 616617, FDCPA 813, and state UDAP statutes You are now on formal notice that this tradeline is disputed, legally challenged, and subject to review by regulatory and legal authorities.

Company response to consumer: Closed with explanation