Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau Complaint Against : Jefferson Capital Systems , LLC Subject : Formal Dispute and Demand for Immediate Cease of Collection Activity Unauthorized Debt To Whom It May Concern, I am filing this formal complaint against Jefferson Capital Systems , LLC regarding an alleged debt they are attempting to collect which I categorically dispute in its entirety. I recently received correspondence from Jefferson Capital attempting to collect on an alleged obligation that is not mine, has never been acknowledged by me, and does not appear on any of my consumer credit reports. This raises serious concerns regarding the legitimacy, accuracy, and lawful basis of their collection activity. Under the provisions of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), including but not limited to 15 U.S.C. 1692g, I hereby demand full validation of this alleged debt. Proper validation must include : The original creditors name and address The original account number A complete chain of title proving Jefferson Capitals legal authority to collect the debt A signed agreement bearing my signature creating the alleged obligation A full accounting of the amount claimed to be owed Until such validation is produced, Jefferson Capital must immediately cease all collection activity pursuant to 15 U.S.C. 1692g ( b ). Furthermore, if Jefferson Capital is attempting to collect on a debt that is inaccurate, unverified, time-barred, or associated with identity theft or mistaken identity, such conduct may constitute violations of the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e False, deceptive, or misleading representations 15 U.S.C. 1692f Unfair or unconscionable means to collect a debt Additionally, should this account ever be furnished to any consumer reporting agency without proper verification, such action would constitute violations of the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( a ) Duty of furnishers to provide accurate information 15 U.S.C. 1681s-2 ( b ) Duty to investigate disputed information. Because this alleged account is not mine and has not been substantiated, I demand the following : 1. Immediate cessation of all collection attempts. 2. Written confirmation that this matter has been closed and that I have no financial obligation to Jefferson Capital. 3. Written confirmation that this account will not be reported to any consumer reporting agency. 4. Removal of my personal information from any internal collection records related to this alleged account. If Jefferson Capital can not produce competent evidence establishing my legal obligation for this alleged debt, continued attempts to collect may constitute willful violations of federal consumer protection statutes and may expose the company to civil liability. I expect this matter to be resolved promptly and documented in writing. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation