Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NE

Complaint narrative:
Jefferson Capital Systems , LLC ( JCap ) has engaged in repeated, willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite my timely dispute and written instructions, JCap has : Failed to provide required debt validation. 

Contacted me electronically in violation of my written mail-only restriction. 

Ignored repeated demands to delete inaccurate tradelines. 

Issued multiple file closed form letters that evade their statutory obligations. 

Their conduct demonstrates a pattern and practice of unlawful behavior that warrants regulatory action. 

Chronology of Events On XX/XX/XXXX, Jefferson Capital acknowledged my written dispute but failed to provide legally sufficient validation. 

On XX/XX/XXXX, I sent a continuation and reaffirmation of that dispute to both Jefferson Capital and XXXX. In that letter, I again demanded full validation under 15 U.S.C. 1692g ( b ) and XXXX  XXXX, and I expressly required that all communications be conducted exclusively via XXXX XXXX  ( no email or telephone contact ) under 15 U.S.C. 1692c ( c ). 

XX/XX/XXXX JCap sent a file closed letter, but also an unsolicited no-reply email notification, directly violating my written mail-only restriction. This constituted a separate FDCPA violation. I responded by certified mail, demanding deletion of tradelines, confirmation of no transfer/sale, and preservation of records. 

XX/XX/XXXX JCap repeated the violation : another file closed letter and another unlawful no-reply email. This represented the second unlawful electronic contact and another failure to provide substantive validation. 

XX/XX/XXXX I issued a Final Demand by certified mail. I documented their repeated violations, demanded deletion of the tradeline within XXXX ( XXXX ) business days, and warned that absent compliance, I would escalate to regulators and litigation. I specifically placed JCaps officers and compliance personnel on notice of potential personal liability. 

XX/XX/XXXX Instead of complying, JCap sent yet another file closed boilerplate letter sent via unlawful no-reply email. This letter again failed to address my specific demands regarding credit reporting deletion and non-transfer assurances.

Violations FDCPA Violations 1692g ( b ) : Failure to provide validation after dispute.

1692c ( c ) : Ignored my written communication restriction ( XXXX unlawful emails ). 

1692e : Misleading representation by continuing to style itself as current creditor after abandoning collection.

FCRA Violations 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

1681s-2 ( b ) : Failure to investigate and delete tradeline after notice of dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Conducting collection activity in violation of federal standards. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Unfair and deceptive practices in trade and commerce.

Company response to consumer: Closed with explanation