Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
This is my third attempt to resolve this matter with your company. I REFUSE TO PAY THIS DEBT. I have previously disputed this account and have not received proper validation that satisfies federal legal requirements. Continuing to report or collect on an account that has not been fully validated raises serious compliance concerns. This letter serves as formal notice that Jefferson Capital must immediately cease all collection activity related to this account. Collection activity includes phone calls, written correspondence, electronic communication, and furnishing, verifying, or updating information with any consumer reporting agency. I am demanding complete validation of this alleged obligation. Specifically, I require ALL Original Account Level Documentation ( OALD ). I am not requesting internal collection summaries, screenshots, account printouts, or documents described as available documentation. I am requesting authentic original records created and maintained by the original creditor. Please identify the individual who claims to have personal and requisite knowledge of the facts surrounding this alleged debt, including the authenticity of the account and possession of the OALD. That person must be capable of establishing a prima facie case under XXXX XXXX XXXX v XXXX. XXXX XXXX, XXXX NY XXXX XXXX, XXXX [ XXXX ]. Personal knowledge can not be based solely upon reviewing your internal records. Confirm that the same individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices as required under XXXX XXXX XXXX XXXX. No. XXXX v XXXX of XXXX, XXXX XXXX XXXX, XXXX [ XXXX XXXX XXXX ]. Provide a complete chain of ownership for this alleged debt, including : The name of each prior debt owner Copies of all assignments of the alleged debt ALL previous assignments executed by prior holders In addition, provide a certified or properly authenticated copy of each bill of sale or transfer document showing how ownership of this account moved from the original creditor at charge-off through each successive owner, including Jefferson Capital . Provide a signed document evidencing the opening of this account. Also provide OALD reflecting purchases, payments, or any actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the balance currently claimed exceeds the post charge-off or post-judgment amount, provide a clear itemization explaining how the balance was calculated and identify the specific contractual provision and legal authority that authorizes such increases. I am requesting a complete transactional history from the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These records must come directly from the original creditor and not be recreated solely on debt collector letterhead. Please provide documentation reflecting the original contractual terms and conditions that applied when the account was opened, along with any amendments or updated terms issued afterward. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. Misrepresentation of the legal enforceability of a debt is prohibited under 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, along with a description of the system used to maintain compliance with those procedures. This is a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you determine this dispute to be frivolous or irrelevant, you must notify me in writing within five days of receipt. My full legal name, mailing address, and the account number as reported are listed in the header of this request. Provide written confirmation of the current legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representation regarding this alleged debt under 15 U.S.C. 1692e ( 10 ). If necessary, I am prepared to enforce my rights under federal consumer protection laws and pursue legal remedies in a court with proper jurisdiction under 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply, in addition to any actual damages incurred. You have 30 days to provide the requested documentation and to remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in legal action being filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with explanation