Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC regarding an alleged collection account being reported on my credit report for {$570.00} ( Account # XXXX ). Over XXXX XXXX ago, I formally requested proper validation of this alleged debt from Jefferson Capital Systems in accordance with federal law. Despite multiple requests, they have failed to provide any legitimate documentation validating the debt, yet they continue to report the account to consumer reporting agencies. I never received the required written notice of the debt prior to it being reported on my credit report, which raises serious concerns regarding their compliance with federal consumer protection laws. It is extremely concerning that in 2026, companies like Jefferson Capital still attempt to report alleged debts without providing the documentation required by law. Consumers today have access to information through XXXX, XXXX, XXXX XXXX, and federal regulations, and we know what proper debt validation actually requires. What Jefferson Capital has provided is not validation and does not meet legal standards. Because of this failure to comply with federal law, I have already filed complaints with the Federal Trade Commission ( FTC ) and the Office of the Attorney General regarding Jefferson Capitals practices. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this company and hold them accountable for their continued violations. I also request that this complaint be publicly visible on the CFPB website to warn other consumers about Jefferson Capital Systems and their practices. If this account can not be properly validated in accordance with federal law, it must be immediately removed from my credit report. If Jefferson Capital continues to report this account without proper validation, I am fully prepared to pursue legal action for violations of federal consumer protection laws. Jefferson Capital Systems may be in violation of the following federal laws : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g Failure to provide proper validation of the debt 15 U.S.C. 1692e Misrepresentation of the character, amount, or legal status of a debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information to consumer reporting agencies 15 U.S.C. 1681s-2 ( a ) ( 3 ) Failure to report an account as disputed 15 U.S.C. 1681i Failure to conduct a reasonable investigation Metro 2 Compliance Standards Reporting incomplete or unverifiable data Failure to maintain accurate reporting standards required for furnishers of information Under federal law, proper validation of a collection account must include : The name and address of the original creditor The original account number A copy of the original signed contract or agreement Documentation showing the consumers legal obligation to pay the debt A complete itemized payment history showing how the balance was calculated Documentation proving the debt was legally assigned or sold to Jefferson Capital Systems Copies of the original billing statements Verification that the account is within the statute of limitations Documentation showing the account is being reported accurately under Metro 2 compliance standards Again, this is not my interpretation these are the requirements under federal consumer protection laws.

Company response to consumer: Closed with explanation