Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
CFPB Complaint Narrative ( Revised ) I am filing this complaint as a XXXX XXXX  veteran who has been severely impacted by unfair and deceptive credit reporting and debt collection practices by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems , LLC. 
Parties Involved : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Debt Buyer/Collector - Jefferson Capital Systems , LLC Debt Buyer/Collector Nature of Complaint : Failure to Provide Proper Debt Validation ( FDCPA Violation ) Despite my timely disputes, these companies have repeatedly sent me past monthly statements or boilerplate letters claiming their information is accurate. These are not sufficient validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, which requires competent evidence of ownership and legal right to collect. Statements generated by the original creditor do not prove lawful assignment or my obligation to these third-party debt buyers.

Inaccurate and Misleading Credit Reporting ( FCRA Violation ) The accounts in question have been reported as charged-off, closed, or re-aged by Capital XXXX XXXX and then subsequently purchased and re-reported by XXXX XXXX XXXX and Jefferson Capital. This has resulted in duplicate derogatory reporting and unlawful re-aging of tradelines, in violation of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate or misleading information.

Failure to Issue Required IRS 1099-C Cancellation of Debt Forms Capital One charged off the accounts in question, yet I never received a Form 1099-C for cancellation of debt, as required under 26 C.F.R. 1.6050P-1. The absence of this form raises questions about whether these accounts were ever properly extinguished, while debt buyers continue to pursue me for payment.

No Contractual Relationship with Debt Buyers I have never entered into any contract or agreement with XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, or Jefferson Capital Systems. Despite this, they are attempting to collect directly from me without proving any legal standing, assignment history, or original contract. This is an unfair and deceptive practice. 
Consumer Harm : - Damaged my credit profile and reputation.

- Interfered with my ability to secure housing, life insurance, and financial assistance. 
- Caused emotional distress and hardship, given my status as a XXXX veteran who relies on accurate reporting to access vital services. 
Relief Requested : - Investigate these companies for violations of the FDCPA, FCRA, and IRS reporting requirements. 
- Compel the removal of all inaccurate, unverified, and re-aged tradelines from my credit reports. 
- Require proof of ownership and full chain of assignment if these companies claim to have lawful rights to collect. 
- Ensure compliance with IRS Form 1099-C issuance obligations for cancelled or charged-off debts. 
Fair Resolution : - Immediate removal of all inaccurate, unverified, and/or re-aged tradelines reported by XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and Jefferson Capital Systems from all three credit reporting agencies ( XXXX XXXX XXXX XXXX  ).

- Cease-and-desist orders against these entities prohibiting further collection activity on debts that have not been lawfully validated with a full chain of title and proof of assignment. 
- Confirmation of IRS compliance by XXXX XXXX regarding issuance ( or failure to issue ) Form 1099-C cancellation of debt notices for any charged-off accounts, with proper correction if obligations were not met.

- Written assurance that no further attempts will be made by debt buyers or their affiliates to collect on these disputed accounts unless and until they provide full legal documentation proving ownership and enforceability of the debt.

- Correction of my credit file to ensure it no longer reflects inaccurate, duplicative, or misleading negative information, thereby restoring my ability to secure housing, financial aid, and life insurance. 
Supporting Case Law and References : - XXXX XXXX XXXX, XXXX XXXX XXXX ( Ind. XXXX XXXX. XXXX ) Monthly statements are not sufficient validation. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Failure to verify debt constitutes an FDCPA violation. 
- XXXX v. XXXX Bank, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishing misleading or incomplete information can violate FCRA obligations. 
In summary, I am seeking relief for continued noncompliance, unlawful reporting, and deceptive practices by XXXX XXXX XXXX XXXXXXXX, and Jefferson Capital Systems XXXX I respectfully ask the CFPB to hold these entities accountable and to compel correction of my credit file. 
CFPB Complaint Narrative ( Cease-and-Desist Focus ) I am filing this complaint as a XXXX XXXX  veteran who continues to be harassed by unlawful and deceptive collection practices by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems , LLC. These companies have repeatedly mailed me past monthly statements from the original creditor ( XXXX XXXX ) while failing to provide any lawful proof of ownership, contract, or enforceable obligation. 
Nature of Complaint : Failure to Provide Proper Debt Validation ( FDCPA XXXX, XXXX XXXX. XXXX ) I have disputed these accounts, yet the debt buyers respond only by mailing old creditor statements or boilerplate correspondence. Courts, including XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), have held that old billing statements are not sufficient validation of debt. Proper validation requires competent evidence of ownership and a legal right to collect. 
No Contractual Relationship with Debt Buyers I have never entered into any contract with XXXX XXXX XXXX, XXXX Jefferson Capital . 
Without proof of assignment, chain of title, or a signed agreement, they lack standing to collect. 
Failure to Honor Cease-and-Desist Rights ( FDCPA 805 ( c ), 15 U.S.C. 1692c ( c ) ) I have made it clear that I do not want further communication absent lawful proof. Despite this, these companies continue to send statements that amount to harassment, in violation of my right to demand that collection activity cease. 
Inaccurate Credit Reporting ( FCRA 623, 15 U.S.C. 1681s-2 ) These entities continue to furnish information to credit reporting agencies that is inaccurate, duplicative, and in some cases appears re-aged, further damaging my creditworthiness.

Consumer Harm : - Continued XXXX XXXX XXXX  from repetitive, unlawful mailings. 
- Ongoing derogatory reporting harming my credit profile. 
- Interference with my ability to obtain housing, financial assistance, and insurance. 
- Emotional and financial harm as a XXXX veteran who relies on accurate reporting. 
XXXX XXXX : - Compel XXXX XXXXXXXX, and Jefferson Capital to cease and desist all collection activity and communications unless and until they provide full legal validation of debt, including chain of assignment and signed contract. 
- Compel the removal of all inaccurate, unverified, or re-aged tradelines reported by these entities from XXXX XXXX XXXX XXXX 
- Investigate and sanction these entities for repeated violations of the FDCPA and FCRA. 
- Require written confirmation from the companies that they will not attempt further collection on accounts they can not lawfully validate. 
In summary : These debt buyers have disregarded the FDCPA and FCRA by harassing me with meaningless statements and failing to prove any contractual relationship. I ask the CFPB to enforce my rights and order them to cease-and-desist further collection efforts unless they can lawfully validate the debts.

Company response to consumer: Closed with explanation