Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding ongoing debt collection activity and credit reporting concerns involving multiple companies attempting to collect on the same alleged account without providing adequate validation. On XX/XX/year>, I sent a written request for validation of an alleged debt to XXXX. In that request, I asked for documentation showing that I am legally obligated for the debt, including the identity of the original creditor, a complete account history, the amount claimed, and proof of each companys authority to collect. To date, I have not received documentation sufficient to validate this debt. Despite my written request, I have continued to receive collection communications. These include emails from XXXX attempting to collect and offering settlement options, emails from XXXX XXXX referencing the same account and identifying XXXX Bank as the original creditor and Jefferson Capital Systems LLC as the current creditor, and text message communications from XXXX XXXX stating that the account has been placed with them for collection. As a result, multiple entities are now attempting to collect on the same alleged debt. This has created confusion regarding who owns the debt and who has the authority to collect it. I am concerned that : - I submitted a written request for validation and have not received adequate documentation - Collection activity has continued without providing validation - Multiple companies are attempting to collect on the same account without clearly establishing ownership or authority In addition, I want to raise concerns regarding the frequency and nature of communications I have received from XXXX XXXX. After submitting my validation request, I began receiving repeated text message communications attempting to collect on the same alleged account. These messages included payment links and statements suggesting potential credit reporting consequences if the account is not resolved. These communications were sent without providing validation of the debt and appear to be designed to pressure me into making a payment despite my outstanding request for documentation. The involvement of multiple collection entities contacting me regarding the same account within a short period of time has also increased the volume of communications and added to the confusion. After failing to respond to my validation request, the collector later sent a generic validation notice, which does not include documentation validating the debt. I am requesting that : - All collection communications cease until proper validation of the debt is provided - The companies provide documentation sufficient to validate the debt, including the identity of the original creditor, a complete account history, and documentation showing ownership or authority to collect - Any inaccurate or unverified information related to this account be corrected or removed from my credit reports, if applicable I have retained copies of my validation request and the subsequent communications from each company. Since filing my disputes, Jefferson Capital Systems LLC has been removed from at least one credit reporting source, while the account continues to appear elsewhere and collection activity continues through XXXX XXXX. Additionally, different entities have identified different parties as the creditor or collector for the same alleged debt, including Jefferson Capital Systems LLC, XXXX XXXX, XXXX XXXX, and XXXX Bank. This continuing inconsistency has created further confusion regarding ownership of the alleged debt and authority to collect. Please investigate this matter and ensure compliance with applicable consumer protection laws.

Company response to consumer: Closed with non-monetary relief