Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TN

Complaint narrative:
Jefferson Capital Systems , LLC is reporting a collection account on my XXXX credit report in the amount of {$850.00}, listed under masked account number XXXX XXXX XXXX XXXX XXXX, with an original creditor of XXXX XXXX. The account shows a date opened of XX/XX/XXXX and a date last updated of XX/XX/XXXX. I have never received any written communication from Jefferson Capital Systems regarding this alleged debt. The first I learned of this account was when it appeared on my XXXX credit report. Jefferson Capital Systems began furnishing this account to a consumer reporting agency without ever providing me the validation notice required by 15 U.S.C. 1692g ( a ) of the Fair Debt Collection Practices Act. That notice is required within XXXX days of the initial communication with a consumer and must disclose the amount of the debt, the name of the creditor, my right to dispute, and my right to request the name and address of the original creditor. None of that was ever provided to me. By furnishing this account to XXXX before sending me any validation notice, Jefferson Capital Systems effectively communicated about this alleged debt to a third party before I had any opportunity to dispute or validate it. This bypassed the entire consumer protection process XXXX built into the FDCPA, and it constitutes furnishing of unverified information in violation of 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act. Jefferson Capital Systems is a debt buyer, not the original creditor. As a debt buyer, it has the burden of proving it actually owns this specific alleged debt and has the legal right to collect on it. To date, Jefferson Capital Systems has produced none of the documentation required to establish lawful ownership of this account. To lawfully collect or report this alleged debt, Jefferson Capital Systems must produce : the original signed wireless service agreement between me and XXXX XXXX ; the complete bill of sale or purchase agreement identifying this specific account by name and account number, not merely as part of an unspecified bulk portfolio ; a complete and unbroken chain of title documenting every entity that has held the account from XXXX XXXX to Jefferson Capital Systems ; all assignment documents executed by authorized representatives of each transferring entity ; complete account-level history from the original creditor, including statements, payment history, and the charge-off ledger ; an itemized accounting of every fee, interest charge, or other amount added since charge-off ; and proof that Jefferson Capital Systems is licensed and XXXX XXXX XXXX debts in the State of XXXX Debt buyers routinely purchase large portfolios of charged-off accounts at pennies on the dollar, accompanied only by spreadsheets or electronic data files rather than complete account-level documentation. A spreadsheet entry, an affidavit signed by an employee with no personal knowledge of this specific account, or a generic bill of sale that does not identify my specific account by name and account number is not sufficient to establish standing or to verify this debt under the FCRA or FDCPA. I am also formally invoking the arbitration clause contained in the original XXXX XXXX XXXX XXXX, which Jefferson Capital Systems inherited as the assignee of this alleged debt. I have today sent Jefferson Capital Systems a separate written demand for validation and a formal demand for arbitration before the XXXX XXXX XXXX under its Consumer Arbitration Rules. I have also today filed a separate FCRA dispute with XXXX demanding deletion of this tradeline. The resolution I am requesting is : ( XXXX ) immediate deletion of the tradeline from XXXX XXXX XXXX XXXX ; ( XXXX ) written confirmation that the alleged debt has been closed and will not be sold, transferred, or re-reported ; ( XXXX ) cessation of all collection activity ; or, in the alternative, ( XXXX ) production of the complete chain of title documentation described above. If Jefferson Capital Systems can not produce that documentation, the only lawful resolution is permanent deletion of the tradeline from all three credit bureaus.

Company response to consumer: Closed with explanation