Consumer complaint received 2024-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Against Jefferson Capital Systems , LLC Failure to Validate Debt ( XXXX XXXX ) Dear CFPB Representative, I am submitting this formal complaint against Jefferson Capital Systems , LLC for attempting to collect a debt related to XXXX XXXX that they have failed to validate. This debt has been inaccurately reported on my credit profile and violates my rights under federal consumer protection laws. 

Details of the Account in Question : Collection Agency : Jefferson Capital Systems , LLC Original Creditor : XXXX XXXX Account Number : Balance Reported : {$3000.00} Nature of the Complaint Debt Is Not Yours : I dispute this debt as I have not entered into any contractual relationship with Jefferson Capital Systems. Without proof of assignment or authority from XXXX XXXX, their claim to this debt is invalid. 
Failure to Validate the Debt : Under 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ), Jefferson Capital Systems is required to validate this debt upon my request. This includes providing evidence of their legal right to collect the debt and proof of the original agreement with XXXX XXXX. Despite my formal request, Jefferson Capital Systems has failed to provide any validation or documentation. 
Violation of FCRA Accuracy Standards : Jefferson Capital Systems continued reporting of this debt without validation violates 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure that all information is accurate and verifiable.

Harm to Creditworthiness : The inclusion of this inaccurate and unverifiable debt on my credit report has negatively impacted my credit score and financial well-being.

Requested Resolution I respectfully request the CFPB to investigate Jefferson Capital Systems and require them to take the following actions : Immediate Removal : Delete this account ( Account Number : XXXX ) from all credit reporting agencies ( XXXX, XXXX, XXXX ). 
Provide Documentation : If Jefferson Capital Systems claims the debt is valid, they must provide : Proof of their authority to collect the debt. 
A copy of the original signed agreement with XXXX XXXX. 
Evidence of accurate reporting of the balance, dates, and account status.

Cease Collection Activities : If Jefferson Capital Systems can not validate the debt, they must cease all collection efforts immediately.

Summary of Violations 15 USC 1692g ( FDCPA ) : Failure to validate the debt upon request.

15 USC 1681e ( b ) ( FCRA ) : Reporting inaccurate and unverifiable information.

Unfair Practices : Continued collection attempts without validation are deceptive and violate consumer protection laws.

Thank you for your attention to this matter. I look forward to your resolution of this complaint. Please confirm receipt of this complaint and provide updates as the investigation progresses. 

Sincerely,

Company response to consumer: Closed with explanation