Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NY

Complaint narrative:
FTC and complaint with the attorney general filed, I am requesting the immediate deletion of Jefferson Capital Systems, LLCs collection account ( s ) from my credit reports because the company has failed to provide lawful debt validation despite my request more than thirty ( 30 ) days ago, has reported the same alleged debt multiple times under different account numbers, and failed to provide the required written notice of the debt.

Jefferson Capital is reporting the same alleged debt in the amount of {$410.00} multiple times using different account numbers and inconsistent reporting across credit bureaus : Reported to TransUnion : JEFFCAPSYS Account XXXX. XXXX XXXX {$410.00} JEFFCAPSYS Account XXXX. XXXX XXXX {$410.00} These two tradelines represent the same alleged obligation but are reported twice to TransUnion under different account numbers with identical balances. This constitutes duplicate reporting of a single debt, which is inaccurate, misleading, and prohibited. 
Reported to Equifax : JEFFERSNCP Account XXXX. XXXX XXXX {$410.00} This same alleged debt is reported to Equifax under a separate account number, while different versions appear on TransUnion. Furnishers are required to report complete, accurate, and consistent information across all consumer reporting agencies. Reporting the same debt under multiple account numbers and with inconsistent bureau placement violates federal law and industry standards. 
In addition, I never received any written notice of this alleged debt prior to it being placed on my credit report. Under FDCPA 1692g ( a ), a debt collector must provide written notice of the debt within five ( 5 ) days of the initial communication. Credit reporting constitutes collection activity and an initial communication. No such notice was ever sent to me. 
After discovering this collection through my credit reports, I timely requested proper debt validation. More than thirty ( 30 ) days have passed, and Jefferson Capital has failed to provide any lawful validation. Under FDCPA 1692g ( b ), all collection activity including credit reporting must cease until validation is provided. Jefferson Capital has continued reporting the account ( s ) without validation, which is unlawful.

To date, Jefferson Capital has failed to provide : Proof of its legal authority to collect the debt A complete chain of assignment from the original creditor Documentation identifying the original account and creditor An itemized accounting supporting the {$410.00} balance Evidence that the debt belongs to me None of this information has been provided to me, and none has been uploaded to this complaint.

These actions constitute violations of : FDCPA 1692g ( a ) and 1692g ( b ) ( failure to provide notice and validation ; continued collection activity ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate and misleading information ) FCRA 607 ( b ) / 1681e ( b ) ( failure to ensure maximum possible accuracy ) Metro 2 Reporting Standards, which prohibit duplicate tradelines, inconsistent reporting, and unsupported balances

Company response to consumer: Closed with explanation