Consumer complaint received 2025-12-31 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: NY

Complaint narrative:
I received a debt notice from Jefferson Capital System, LLC which I never heard of until now. They have a lenghty record bullying, collecting paid debt and the list goes on based on XXXX reviews. 

A debt validation was requested and they sent a page with mininal information, I did call XXXX and they told me this was not my debt, no account under my name was ever found, that it was a fake debt. I would never let my credit report plunge over pennies. 

This was sent in response to their notice I received on XX/XX/year>. 
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec.809 ( b ) that your claim is disputed and validation is requested. This is NOT my account.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I owe this account and have any legal obligation to pay you. 

Important : I did contact XXXX right after receiving your letter and theres no debt and or there ever was one account regarding a XXXX Monthly Loan. They said that it was a FAKE. 

Therefor, please provide me with the following : What the money you say I owe is for ; Explain and show me how calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification from XXXX Monthly Loan Account, copy of the actual account ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Provide me with your license numbers and Registered Agent. 


If your offices have reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX XXXX XXXX XXXX XXXX said action might constitute fraud under both Federal and State Laws. 

Due to this fact, if any negative mark is found on my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your office is able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity cease and desist. 

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to the credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

___________ They did send a letter which also states ; Our records indicate that we are not reporting this account. For questions regarding your credit bureau report, please cotact the bureau at : XXXX XXXX XXXX XXXXXXXX. 

Which they violated and posted the collection account in my XXXX  report dated XX/XX/year> This company needs to be closed down. 

Thank you for your time, XXXX bless.

Company response to consumer: Closed with explanation