Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against Jefferson Capital Systems , LLC Violation of FCRA and FDCPA To Whom It May Concern, I am filing this formal complaint against Jefferson Capital Systems , LLC for violating my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ).

Jefferson Capital Systems has reported an alleged debt to the credit reporting agencies without ever providing me with notice of the debt or affording me the opportunity to dispute it as required by federal law. I have never received any written notification or validation letter from Jefferson Capital Systems advising me of my rights under the FDCPA prior to their reporting the alleged debt. 

Specifically : Jefferson Capital Systems LLC amount for {$640.00} Jefferson Capital Systems placed or parked a collection account on my consumer credit report without first communicating with me about the alleged obligation.

The company failed to provide the required written notice outlined in 15 U.S.C. 1692g ( a ), which mandates that debt collectors provide the name of the creditor, the amount of the debt, and a statement of my right to dispute the debt within 30 days.

By furnishing information about an alleged debt to credit bureaus without prior notice or verification, Jefferson Capital Systems violated 15 U.S.C. 1681s-2, which requires furnishers of information to ensure accuracy, integrity, and lawful authorization before reporting consumer data. 

Because Jefferson Capital Systems failed to provide the legally required disclosures and deprived me of my right to dispute or validate the alleged debt, their actions have harmed my credit reputation and standing. These actions represent clear violations of both the FCRA and FDCPA. 

I respectfully request that the Consumer Financial Protection Bureau : Investigate Jefferson Capital Systems , LLC for violations of the FCRA and FDCPA.

Require Jefferson Capital Systems to cease all reporting of the alleged debt until full validation has been properly provided to me.

Direct Jefferson Capital Systems and the credit bureaus to remove the reported collection account unless and until the debt can be fully validated in compliance with federal law. 

Provide me with a written confirmation of the investigation results and actions taken. 

Enclosed are copies of my identification and credit report excerpts showing the Jefferson Capital Systems entry. I am also submitting this complaint to the relevant credit bureaus to ensure that they are informed of this dispute. 

Thank you for your attention to this matter. I request that this complaint be formally recorded and investigated under CFPB authority. 

Sincerely, XXXX XXXX Last XXXX digits of XXXX : XXXX Date of Birth : XX/XX/year> Enclosures : Copy of photo ID Relevant credit report excerpt showing Jefferson Capital Systems entry

Company response to consumer: Closed with explanation