Consumer complaint received 2024-12-07 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: OK

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand of Validation of Debt Dear Jefferson Capital Systems, I am writing regarding the accounts listed above, which you claim I owe. I have no knowledge of this account. I have not signed any contract for this debt reported. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 809 ( 15 U.S.C. 1692g ), I am requesting that you validate this debt and provide me with the following information as required by the Consumer Financial Protection Bureau ( CFPB ). Please ensure that all necessary documentation is sent directly to my address above. 
Under the CFPB 's guidelines, I am requesting the following XXXX items to validate this debt : XXXX. The amount of the debt Please provide a detailed and itemized breakdown of the current amount owed, including any fees or interest that have been added. 
XXXX. The name of the creditor to whom the debt is owed Identify the original creditor, along with any details that may have changed if this debt has been sold, transferred, or assigned. 
XXXX. XXXX that the debt belongs to me Please send me a copy of any documentation or agreement that clearly establishes that this debt is associated with my name and details. 
XXXX. Proof of your authority to collect the debt Provide evidence of your legal authority to collect this debt, including any documentation proving your agencys involvement, such as a contract or agreement with the original creditor. 
XXXX. Complete record of payments and charges I request a full payment history, along with any charges or credits applied to the account, showing how the amount claimed was calculated. 
XXXX. Verification of the debts age and status Given that certain debts may fall outside of the statute of limitations for collection in my state, please confirm the date this debt was incurred and the last payment date. 
XXXX. Notice of my rights I request full disclosure of my rights, including information on disputing or challenging this debt if the information provided is incomplete or incorrect. 
If Jefferson Capital LLC can not substantiate these items with verifiable documentation within require time frame of receipt of this letter, I formally demand that you immediately cease collection activity, delete any negative credit reporting related to this debt, and refrain from future contact regarding this account like the too many texts and emails you all send about an account I do not know anything about. 
Additionally, if you continue to report this debt to the credit bureaus without appropriate validation, you may be in violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA, subjecting your company to possible penalties. Failure to respond with the requested documentation may lead me to file complaints with the CFPB and my state 's Attorney General. 
Thank you for your attention to this matter. Please confirm receipt of this request and respond within the time frame required to my mailing address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation