Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date XX/XX/year> Subject : Formal Dispute of Debt Ownership and Cease & Desist Request Jefferson Capital Systems / XXXX Account ID XXXX To Whom It May Concern at the CFPB, I am writing in response to [ letter/phone call ] dated XX/XX/year>, regarding a collection account you claim I owe. I am submitting this formal complaint against Jefferson Capital Systems , LLC regarding their attempts to collect on a debt allegedly purchased from XXXX XXXX, associated with Account ID XXXX. I dispute the validity of this debt and Jefferson Capitals legal right to collect on it. I am also requesting immediate intervention due to their continued contact despite lack of proper documentation. 
Legal Basis for Dispute Unverified Ownership of Debt : Jefferson Capital Systems has failed to provide a legally binding purchase agreement or assignment document demonstrating their ownership of the XXXX  account referenced above. 
No Chain of Title Provided : I have requested documentation showing the full chain of custody from XXXX  to Jefferson Capital, including any intermediary transfers. No such documentation has been provided. 
Missing Original Agreement : Jefferson Capital has not produced the original signed purchase agreement or contract from XXXX that would substantiate the debt and confirm my liability. 
Violation of FDCPA : On XX/XX/year>, at XXXX XXXX  Central Time, Jefferson Capital contacted me via phone call and text message. This communication occurred despite my prior request for debt validation and constitutes a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S. Code 1692c and 1692g. 
Documentation Requested I formally demand that Jefferson Capital Systems provide : 1. A copy of the original signed agreement with XXXX. 
2. A full itemized accounting of the alleged debt.

3. A legally binding purchase agreement or assignment showing Jefferson Capitals ownership of the debt. 
4. Documentation of all prior owners of the debt, if applicable. 
Cease and Desist Notice Until the above documentation is provided and the debt is properly validated, I am formally requesting that Jefferson Capital Systems : Cease all collection activity, including phone calls, text messages, emails, letters, and credit reporting. 
Refrain from any further contact with me regarding this matter unless full validation is provided. 
Any further attempts to collect without substantiation will be considered harassment and may result in legal action. 
Resolution Requested I respectfully request that the CFPB : Investigate Jefferson Capital Systems practices regarding this account. 
Ensure that no further collection activity occurs until the debt is properly validated. 
Require Jefferson Capital to provide all requested documentation or remove the debt from all credit reporting agencies. 
Thank you for your attention to this matter. I am prepared to provide copies of all correspondence and records upon request. 
Sincerely, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation