Consumer complaint received 2025-09-02 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: MS

Complaint narrative:
( Jefferson Capital System ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

You are hereby required to provide all of the following documentation within 2 days ( 48 hours ) of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions. 

CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 48 hours ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 48 hours : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ).

- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe )- You must Immediately comply with the above. ( Nothing else will be accepted after 48 hours when you receive this letter ) ( Anything sent after the 48-hour window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including statutory damages, punitive damages, and attorneys fees. ( I will be taking legal action against ( Jefferson Capital ) because your company is the one reporting the account to the credit reporting agencies and no one else. If this account is still reporting after the 2 day noticed has passed, I will be immediately filing a lawsuit with the court for maximum damages under the FCRA, FDCPA ( PER VIOLATION ) You must either ( 1 ) provide all requested documents within 48 hours, or ( 2 ) cease reporting and contact altogether. There is no third option. Amount : {$3200.00} Date : XX/XX/scrub>XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation