Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to remove a fraudulent tradeline on my credit file by Jefferson Capital System. Furthermore, I am begging this consumer agency to enforce this by helping me remove Jefferson Capital Systems fraudulent and blemished collection account from my credit file. I have disputed the following data on my credit file more than a few times, which is fraudulent. I spoke to someone at Jefferson Capital and the young lady stated you people never pay your bills. You people? This is beyond XXXX. 

I have disputed this illegal debt several times and once I dispute the debt, the debt collector must stop all debt collection activities until they provide me with proof that I owe the debt, which I do not since it is fraudulent. Jefferson Capital System must provide me with that proof and never bother me again.

Under the FDCPA, I have the right to dispute the debt and it has three separate components : 1-Right to notice of the debt 2- Right to contest the debt 3-Right to verify the debt Within 5 DAYS of first contacting the Consumer Financial Protection Bureau, Jefferson Capital System must send a letter telling me : the amount of the debt the name of the creditor information about what I can do if I think there has been a mistake and proof, I actually owe the money. I can prove it is identity theft.

The debt collector must stop all debt collection activities until it can verify the debt. Additionally, I have my original identity theft affidavit. 

The recurring patterns of complaints against Jefferson Capital Systems , LLC, as reflected in the XXXX XXXX XXXX complaints, are as follows : Denial of Debt : The denial of liability for the debt assigned to Jefferson Capital Systems continues to be a consistent complaint across all customers. They claim they do not owe this debt and have no contractual relationship with Jefferson Capital.

Lack of Original Contract : Customers consistently complain that Jefferson Capital Systems failed to provide them with the original contract that they requested. This contract would validate the claimed debt. 

Unfamiliarity with the Company : Some customers state they are not familiar with Jefferson Capital Systems or the original debtor. They assert they have never been contacted by the company before noticing a collection on their credit report. 

Inappropriate Reporting : A complaint suggests that Jefferson Capital Systems ' reporting of the debt to credit bureaus might be violating the Fair Credit Reporting Act. This indicates potential issues with their reporting practices. 

Claims of Identity Theft : In one of the new complaints, a customer claims that the debt is the result of identity theft. This points to potential issues with verifying the identity of the individuals associated with the debts that they are trying to collect.

Unsatisfactory Product/Service : All of these complaints fall under the complaint type " Problems with Product/Service '', which indicates a more general issue with the way Jefferson Capital Systems manages its debt collection process or communicates with its customers.

Company response to consumer: Closed with explanation