Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Jefferson Capital Systems LLC for attempting to collect a fraudulent telecommunications debt that I did not incur. 

According to the information listed, this debt was opened in XX/XX/XXXX on Jefferson Capitals end. Regardless of that date, I want to make it absolutely clear : I have not openedand will not openany new debt. I am currently a verified participant in a financial recovery program called ConsumerHER Collective, which I joined in XX/XX/XXXX. They have assisted me in creating budgets, understanding XXXX, and provided me with the tools to understand how to dispute fraudulent debts such as this. I have attached an email confirmation of my membership from that time as supporting documentation. 

This program specifically bars me from incurring any new debt, unless previously agreed upon by my Financial Recovery team, so I am making the best choice for my financial health, especially from services in the telecommunications category. The only accounts I have opened since joining the program are two legitimate credit-building tools : XXXX XXXX XXXX XXXX 

To further demonstrate how seriously I take my financial recovery, I have been a customer of XXXX XXXX, a prepaid telecommunications service, since XXXX. I have attached a screenshot of my customer support interaction with XXXX confirming this. It would make no logical sense for me to pay for a low-cost prepaid phone service and then open a postpaid telecommunications contract that adds more financial risk and violates the terms of my recovery plan. It would be financially reckless, and XXXX XXXX XXXX Thats why I am 100 % certain I am a victim of fraud. 

I do not recognize this account, I did not open it, and I do not claim this debt under any circumstance. 

Additionally, during my research, I discovered that Jefferson Capital Systems LLC has a pattern of attempting to collect debts of fraudulent or unverified origin. This is not an isolated incident. Many consumers have reported similar experiences, which raises serious concerns about the company 's practices and due diligence. 

Because of the harm this poses to both my credit and my recovery program participation, I am requesting the following : 1 ) Immediate removal of this fraudulent debt from my credit report.

2 ) Disclosure of the original telecommunications provider that allegedly originated the debt. 

XXXX ) All documents and account records that Jefferson Capital Systems LLC claims substantiate this debt. 

I intend to file a police report for identity theft, but I need these details to proceed. The presence of this false debt is not only incorrectit is damaging, stressful, and a threat to the progress Ive made in reclaiming my financial stability. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for validation under the Fair Debt Collection Practices Act ( FDCPA ). 

Thank you for your immediate attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation