Consumer complaint received 2025-11-14 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Jefferson Capital Systems , LLC ( JEFFCAPSYS ) XXXX XXXX XXXX XXXX XXXX Cloud, MN XXXX Re : Formal Demand for Validation and Removal of Alleged Debts Accounts in Dispute : Jefferson Capital Systems Account # XXXX {$1300.00} Jefferson Capital Systems Account # XXXX {$370.00} To Whom It XXXX Concern, This letter serves as a formal dispute and demand for validation of the above-referenced collection accounts appearing on my credit report. I do not acknowledge or accept these debts, and I am demanding complete, verifiable proof that your company has the legal right to collect or report them. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.

You are not permitted to assume these debts are valid or continue ANY collection or credit-reporting activity until all documentation requested below has been provided.

Required Documentation You must provide the following for each account : The original signed contract or agreement bearing my signature, establishing a legal obligation for the alleged debts.

A complete chain of title or assignment, showing every sale or transfer from the original creditor to Jefferson Capital Systems, including names, signatures, and dates.

Proof of ownership or assignment, including the bill of sale showing that Jefferson Capital Systems legally owns or has been assigned each account.

A complete and itemized accounting showing exactly how each balance ( {$1300.00} and {$370.00} ) was calculated, including principal, interest, late fees, and charges. 

The name, address, and contact information of each original creditor, including the dates the accounts were opened and charged off. 

Copies of all billing statements or correspondence you allege were sent to me, including proof of mailing or delivery. 

Proof of your license and authorization to collect debts in the XXXX of Illinois, including your license number and bonding information. 

The name, title, and contact information of the XXXX XXXX employee who previously verified these accounts with any credit bureau. 

Legal Notice A billing statement, computer printout, or account summary does NOT constitute legal validation. 
Providing such materials instead of full documentation is a willful violation of : FDCPA XXXX ( b ), and FCRA XXXX ( a ). 

Required Actions if You Can not Validate If you can not provide full validation for BOTH accounts within 30 days : You must delete both collection accounts from ALL credit reporting agencies ; You must cease all collection activity immediately ; and You must send me written confirmation that the accounts have been permanently removed. 

Failure to Comply If you continue reporting or attempting to collect these unvalidated accounts, I will immediately file complaints with the : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Illinois Attorney XXXX XXXX I also reserve the right to pursue civil damages under XXXX U.S.C. XXXX, XXXX, and XXXX for willful and negligent violations. 

This is not a request for an explanation or summary it is a demand for verifiable proof. 
If you can not provide the required documentation, delete both accounts and cease all activity. 

XXXX XXXX

Company response to consumer: Closed with explanation