Consumer complaint received 2024-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Formal Complaint Against Jefferson Capital Systems LLC for Violation of Consumer Protection Laws Dear Sir/Madam, Jefferson Capital Systems LLC accused me of owing an alleged debt that they state that I owe. I was unaware of this alleged debt, and I didnt have an opportunity to dispute this information, as Jefferson Capital Systems LLC never provided me the proper notification of the alleged debt. If in fact they believe that they gave me the properly notification then please have them send me the certified return green card receipt with my name, address, and date on it. 

So then I wrote Jefferson Capital Systems LLC and requested debt validation pursuant to 15 USC 1692g including : *An Official Affidavit of Debt *The original contract on their company letter head with my wit ink signature on it *Proof of ownership AKA change of Custody collection *The full accounting records both Public and Private in accordance with General Accepted Accounting Principles ( GAAP ) and in accordance with 15 U.S.C. 44 Documentary evidence includes all documents, papers, correspondence, books of account, and financial and corporate records. 

They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. I am writing to file a formal complaint against Jefferson Capital Systems LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that Jefferson Capital Systems LLC communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ). 

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that Jefferson Capital Systems LLC communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ). 

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that Jefferson Capital Systems LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ). 

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that Jefferson Capital Systems XXXX used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ). 

Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that Jefferson Capital Systems LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ). 

A couple of other federally protected consumers have also file a complaint against Jefferson Capital Systems LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ). Listed below are just a few. 

XX/XX/XXXX CFPB XXXX Attempts to collect debt not owed XX/XX/XXXX CFPB XXXX Attempts to collect debt not owed With that being said, Jefferson Capital Systems LLC is in clear violation of the FDCPA and my rights as a federal protected consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Jefferson Capital Systems LLC. I also request that the Consumer Financial Protection Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, on Jefferson Capital Systems LLC to compensate me for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely XXXX XXXX XXXX.

Company response to consumer: Closed with explanation