Consumer complaint received 2024-09-15 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: MD

Complaint narrative:
Re : Filing Complaint Against Jefferson Capital Systems , LLC Collection Agency for Failure to Provide Debt Validation for ( Reference JCS Reference # : XXXX ) Original Creditor- Acct # Ending XXXX Debt Amount : {$3300.00} Dear Sir/Madam, I have sent you two letters on XX/XX/2024, and two separate letters via Certified Mail Return Receipt during the month of XX/XX/2024, requesting the verification of the alleged debt mentioned above from Jefferson Capital Systems , LLC . However, Jefferson Capital Systems , LLC Collection Agency has failed to validate this alleged debt. 

The reason the alleged debt is NOT valid is I have not received any documentation or proof supporting the existence of this debt. Without proper verification, it is impossible to validate the claim that this debt is legitimate such as the following : A full detailed list of the payment history on this account. 

Original signature that I agreed to on a contract for this creditor for this debt. 

Signed purchase agreement on this account. 

The debt insurance claim filed on this debt by the creditor. 

The chain of title you have to collect on this debt. 

Date of the first delinquency. 

Provide full account number. 

Full account summary and itemized calculation of alleged debt. 

Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by Fair Debt Collection Practices Act ( FDCPA ) law. 

Jefferson Capital Systems , LLC is unable to provide the above identifying account information. Therefore, they must close my file and terminate all collection action. They must also notify the credit bureaus to delete this derogatory information from my credit file. 

I believe your collection agency to be illegally reporting a fraudulent debt to the three credit bureaus ( XXXX, XXXX, and XXXX ). The account in question remains on my credit report, negatively impacting my credit and causing financial harm. I am requesting the immediate removal of this account from all three credit bureaus, as it is unverified and violates consumer protection laws. As such, I am filing a complaint with your organization. This collection agency is practicing fraudulent and unlawful behavior and I demand that they remove this account from my credit reports, because this account was never verified, and I have not received the required validation for this debt. 

Despite my efforts, including written correspondence, the problem remains unresolved, and the inaccurate information persists on my credit report. This debt collection agency did not follow the rules of the Fair Debt Collection Practices Act ( FDCPA ) and have engaged in illegitimate and illegal practices. I am requesting that you, please investigate this matter. 

Please review the uploaded documentation with five attachments for proof of my claim about their fraudulent and unlawful practices. 

I appreciate your attention to this serious matter and look forward to a prompt resolution. 

Sincerely, Thanks

Company response to consumer: Closed with explanation