Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Validation and Removal of Alleged XXXX XXXX XXXX XXXXXXXX Amount : {$470.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation regarding the above-referenced collection account currently appearing on my credit report. I do not acknowledge or accept this debt, and I am demanding complete, verifiable proof that your company has the legal right to collect or report this account.

This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not authorized to assume this debt is valid or continue any collection or reporting activity until all documentation requested below has been provided.

Required Documentation The original signed contract or agreement bearing my signature, establishing a legal obligation for this alleged debt.

A complete chain of title or assignment, showing all transfers, sales, or ownership changes of the account from the original creditor to Jefferson Capital Systems, with all names, signatures, and dates included.

Proof of ownership or assignment, including the bill of sale or transfer agreement granting your company authority to collect this debt.

A complete and itemized accounting showing how the balance of {$470.00} was calculated, including all fees, interest, and credits.

The name, address, and contact information of the original creditor, including account opening and charge-off dates.

Copies of all billing statements, correspondence, or communications you claim were sent to me, along with proof of mailing or delivery.

Proof of your license and authorization to collect debts in the State of Illinois, including your license number and bonding information.

The name, title, and contact information of the individual who verified this account during any prior reinvestigation or credit bureau reporting process.

Legal Notice A billing statement, account summary, or system printout does not meet the legal standard for validation. Providing such materials as proof will be considered a willful violation of FDCPA 809 ( b ) and FCRA 611 ( a ).

If you can not provide full validation within 30 days, you are legally required to : Delete this collection account from all credit reporting agencies ; Cease all collection activity immediately ; and Confirm in writing that the account has been permanently removed from your system.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I also reserve the right to pursue civil damages under 15 U.S.C. 1681n, 1681o, and 1692k for willful and negligent violations. 

This is not a request for an explanation or summary it is a demand for verifiable proof. If you can not provide complete documentation within the legal timeframe, you must immediately delete this account and cease all reporting or collection activity. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX

Company response to consumer: Closed with explanation