Consumer complaint received 2026-01-13 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: FL

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding its claim of ownership and potential collection and/or credit reporting of an alleged debt originally associated with XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX has confirmed in writing that the account was charged off, sold, and that the balance owed to XXXX is {$0.00}. XXXX further stated that the account was sold to Jefferson Capital Systems , LLC. Despite this, Jefferson Capital has not provided legally sufficient documentation establishing lawful ownership, balance accuracy, or authority to collect or furnish information to consumer reporting agencies. 

To date, Jefferson Capital Systems has failed to provide verification of the following required elements : Ownership and Chain of Title A complete and unbroken chain of title from XXXX XXXX to Jefferson Capital Systems A bill of sale and assignment schedule specifically identifying this account, not generic portfolio documentation Proof that XXXX XXXX legally acquired the right to collect and report this specific account Contractual Liability A copy of the original signed agreement or evidence establishing my contractual liability to XXXX XXXX Proof that the terms of the alleged agreement permit assignment and collection by a third-party debt buyer Balance Accuracy A full transactional accounting from origination through charge-off and sale Proof explaining how the alleged balance was calculated Proof that no unauthorized interest, fees, or charges were added after charge-off FDCPA Compliance Proof that a legally compliant validation notice was provided prior to any collection activity Proof that collection activity did not occur prior to validation Proof that disputes were properly noted and investigated before continued collection or furnishing Credit Reporting Authority Proof that Jefferson Capital has a permissible purpose and lawful authority to furnish this account to consumer reporting agencies Proof that any information furnished is accurate, complete, and not duplicative of reporting by XXXX XXXX Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt buyer bears the burden of proving ownership, accuracy, and enforceability of a debt before engaging in collection or credit reporting. Unsupported assertions, internal summaries, or generic portfolio documentation do not satisfy these requirements. 

Because Jefferson Capital Systems has failed to substantiate ownership, balance accuracy, and compliance with federal law, any continued collection activity or credit reporting related to this account is misleading, unverifiable, and unlawful. 

I am requesting that the CFPB require Jefferson Capital Systems , LLC to : Provide full documentary proof establishing lawful ownership, contractual liability, and balance accuracy, or Cease all collection activity and delete any tradeline associated with this account from all consumer reporting agencies Continued collection or furnishing of this account without proper verification will be treated as knowing and reckless noncompliance with federal law and preserved as evidence for further regulatory and legal action.

Company response to consumer: Closed with explanation