Consumer complaint received 2026-06-08 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Account : * * Collection Account * * Balance Reported : * * {$190.00} * * Date Opened : * * XX/XX/year> * * Original Creditor : * * Not Properly Identified * * Account Status : * * Open Collection Account * * Complaint * * I am submitting this complaint against Jefferson Capital Systems , LLC regarding a collection account being reported on my consumer credit reports. Jefferson Capital is reporting a collection account with a balance of {$190.00} that allegedly originated from an account with an unnamed original creditor. The reporting of this account has caused damage to my credit profile and raises significant concerns regarding the accuracy and completeness of the information being furnished. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal obligation to report information accurately and completely. Furthermore, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation and correct any inaccurate, incomplete, or unverifiable information. I dispute the validity and accuracy of this account and request that XXXX XXXX provide competent evidence demonstrating : 1. The identity of the original creditor. 2. The date of default of the alleged account. 3. The complete payment history. 4. Documentation proving Jefferson Capital has legal authority to collect this debt. 5. Documentation showing the debt was legally assigned or sold to Jefferson Capital. 6. Evidence that the amount being reported is accurate and supported by account-level documentation. 7. Verification that all information reported to the credit bureaus complies with XXXX XXXX reporting standards. Additionally, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, consumers are entitled to validation of alleged debts. If Jefferson Capital can not provide sufficient documentation establishing the validity of this account, continued reporting may constitute the reporting of inaccurate or misleading information. The CFPB has repeatedly emphasized that debt collectors and furnishers must possess sufficient evidence before furnishing information to consumer reporting agencies. Reporting information that can not be verified may violate federal consumer protection laws. * * Requested Resolution * * I request that Jefferson Capital : * Conduct a reasonable investigation into this disputed account. * Provide all supporting documentation establishing the validity and ownership of the debt. * Cease reporting any information that can not be fully verified. * Delete the account from all consumer reporting agencies if the account can not be validated or verified in accordance with the FCRA and FDCPA. * Correct any inaccurate, incomplete, misleading, or unverifiable information currently being reported. I further request written confirmation of the results of the investigation and copies of all documents relied upon to verify the account. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief