Consumer complaint received 2025-05-14 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: TX

Complaint narrative:
Date : XX/XX/year> Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX RE : Formal Dispute and Validation Demand Alleged XXXX XXXX  XXXX XXXX Jefferson Capital Account XXXX XXXX Insert Account # ] ) To Whom It May Concern, I am writing in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to formally dispute the validity of the alleged debt your company is attempting to collect, reportedly originating from XXXX XXXX  and XXXX sold or assigned to Jefferson Capital Systems , LLC. 

This is not an acknowledgment or admission of any debt. I dispute the entirety of this alleged obligation. 

1. Validation Demand Under 15 U.S.C. 1692g You are hereby formally requested to provide full validation of this alleged debt as required under federal law. This includes, but is not limited to : A copy of the original signed agreement allegedly bearing my signature and outlining the terms with XXXX XXXX  XXXX Full chain of assignment or title, including all transfer and sale documents proving Jefferson Capital 's legal ownership of this specific debt ; A full transaction and payment history from the inception of the account through charge-off, demonstrating how the balance was calculated ; Copies of any statements, notices of assignment, or billing sent to me from the original creditor ; Proof that this debt is not time-barred under XXXX  Civil Practice & Remedies Code 16.004 , which imposes a 4-year statute of limitations on such contracts. 

Until all of the above is furnished in writing, you may not continue collection efforts ( including credit reporting or lawsuits ), per 15 U.S.C. 1692g ( b ).

2. Notice of Dispute and Cease Reporting Pursuant to 15 U.S.C. 1692e ( 8 ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), you are hereby : Notified that this debt is disputed in its entirety ; Directed to cease all reporting of this alleged debt to any consumer reporting agencies unless and until it is properly verified ; Instructed to update any and all existing reports with the major credit bureaus to reflect that this account is currently in dispute. 

Should you fail to do so, you may be in violation of the FDCPA and FCRA, which can result in civil liability under 15 U.S.C. 1692k and 1681n. 

XXXX. No Evidence of Liability or Responsibility No contractual relationship has been proven between myself and Jefferson Capital Systems , LLC or the original creditor. You have no legal standing to claim or collect this debt unless and until you can produce full and complete documentation. 

Furthermore, absent a valid contract or verified documentation, any continued attempt to collect, report, or threaten litigation will be deemed a willful violation of my rights under both federal and state law, and will be documented for litigation and regulatory complaints. 

4. Next Steps You are hereby directed to : Cease all collection activity until full validation is provided ; Respond to this letter within 30 days with all requested documentation ; Cease all further credit bureau reporting unless verified per FCRA ; Acknowledge this dispute in writing and indicate all actions you intend to take. 

If you fail to comply, I reserve the right to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) ; The Texas Attorney Generals Office ; The Federal Trade Commission ( FTC ) ; And pursue civil remedies under the FDCPA and FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation