Consumer complaint received 2025-12-09 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: CO

Complaint narrative:
Jefferson Capital Systems , LLC is reporting and attempting to collect a consumer debt without providing a complete and lawful chain of title or valid assignment demonstrating legal ownership of the alleged account. This conduct constitutes multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

FDCPA Violations and Monetary Exposure : Jefferson Capital Systems has failed to properly validate the alleged debt after timely dispute and continues collection and credit reporting activity, in violation of 15 U.S.C. 1692g ( b ). Jefferson Capital is falsely representing the character, amount, and legal status of the debt by claiming ownership and authority to collect without providing proof of assignment or chain of title, in violation of 15 U.S.C. 1692e, and is engaging in unfair and unconscionable collection practices under 15 U.S.C. 1692f.

Pursuant to 15 U.S.C. 1692k, these violations expose Jefferson Capital Systems , LLC to statutory damages of up to {$1000.00} per action, in addition to actual damages, court costs, and mandatory attorneys fees in the event of civil litigation. 

FCRA Violations and Monetary Exposure : Jefferson Capital Systems , LLC is furnishing inaccurate, incomplete, and unverifiable information to consumer reporting agencies without demonstrating a lawful permissible purpose or providing documentation establishing legal ownership, in violation of 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( b ). Jefferson Capital failed to conduct a reasonable investigation after receiving notice of dispute from consumer reporting agencies and continues to verify disputed information without substantiation.

Under 15 U.S.C. 1681n, Jefferson Capital Systems is liable for actual damages, statutory damages of {$100.00} to {$1000.00} per violation for willful noncompliance, punitive damages, and reasonable attorneys fees and costs. If violations are found to be negligent under 15 U.S.C. 1681o, Jefferson Capital remains liable for actual damages and attorneys fees.

Additional Violations Increasing Legal Liability : If Jefferson Capital Systems altered, re-aged, or reported an inaccurate date of first delinquency, such conduct violates 15 U.S.C. 1681c ( a ) ( 4 ) and materially increases statutory and punitive damages exposure. Any access to or use of my consumer report without documented proof of lawful ownership or a permissible purpose violates 15 U.S.C. 1681b, subjecting Jefferson Capital Systems to statutory damages of up to {$1000.00} per unauthorized access, along with punitive damages.

Demand for Resolution : Due to the severity and volume of the above violations and the associated monetary liability, I demand immediate deletion of all Jefferson Capital Systems tradelines from all consumer reporting agencies, written confirmation that Jefferson Capital Systems will cease all collection activity, and full correction of my consumer credit file. Failure to resolve this matter will leave me no alternative but to pursue all available civil remedies.

Company response to consumer: Closed with explanation