Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital, Your company is reporting or attempting to collect an account that you claim I owe. I am disputing that claim and requesting that this matter be properly reviewed. I REFUSE TO PAY THIS DEBT. Before Jefferson Capital continues to pursue collection or report this account, I need to understand how your company concluded that this debt belongs to me and that you have the legal authority to collect it. If this account originated with another creditor, explain how it reached Jefferson Capital. I am requesting documentation showing the transfer of ownership from the original creditor to any intermediate entities and ultimately to your company. If you rely on a bill of sale or assignment agreement, provide the documents that specifically reference this account so that the chain of ownership can be verified. I am also requesting the records that created the alleged debt in the first place. Please provide the agreement that opened the account, the terms that governed the account at that time, and any revisions issued later. In addition, provide the statements or transaction history from the original creditor that show how the balance developed. Internal summaries created by a collection agency do not establish the existence of a valid account. If the balance you are reporting is greater than the amount at charge-off, explain how the additional amount was calculated and identify the contractual provision that allowed those charges. Please also identify the person within Jefferson Capital who has direct knowledge of the records you are relying on. That individual should be able to establish a XXXX XXXX case consistent with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX [ XXXX ]. In addition, that person must be familiar with the original creditors record-keeping practices as described in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Knowledge based only on reviewing internal data is not sufficient. Please disclose the date of the last payment made to the original creditor. If the account is beyond the statute of limitations, the law prohibits misrepresenting its enforceability under 15 U.S.C. 1692e ( 5 ). The use of any false, deceptive, or misleading representation regarding a debt is also prohibited under 15 U.S.C. 1692e ( 10 ). This communication should be treated as a direct dispute pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). A reasonable investigation must be conducted within 30 days. If Jefferson Capital determines that the dispute is frivolous or irrelevant, written notice must be provided within five days. If the requested documentation can not be produced and this account continues to be reported or collected, I am prepared to enforce my rights under 12 U.S.C. 5565 ( a ) ( 1 ), including violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may apply along with any actual damages incurred. You may either validate the account with the requested documentation or remove it. This statement is true and lawful.

Company response to consumer: Closed with explanation