Consumer complaint received 2025-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: WY

Complaint narrative:
am submitting this formal complaint against Jefferson Capital Systems , LLC for unlawful debt collection practices and improper credit reporting in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Jefferson Capital Systems , LLC is attempting to collect and report an alleged re-aged debt that I have never received any notice of, nor have I ever been contacted about prior to its appearance on my credit reports. The alleged debt is from XXXX XXXX, with an amount of {$1400.00}, and is reported as opened on XX/XX/year>. 

Violations and Issues 1. Failure to Provide Required Debt Validation Notices I have never received any written notification from Jefferson Capital Systems , LLC regarding this debt, violating the FDCPAs requirement under 15 U.S.C. 1692g ( a ) that collectors must send a written notice within five ( 5 ) days of initial communication informing me of my right to dispute the debt.

2. Illegal Re-Aging of Debt The account in question appears to be re-aged, which violates the FCRA under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). Jefferson Capital Systems , LLC is required to accurately report the original date of first delinquency ( DOFD ) and not misrepresent or reset this date to keep the account active on my credit report longer than legally permitted. 
3. Failure to Validate Debt Upon Request When I discovered the debt on my credit report, I immediately disputed it and requested full validation. However, Jefferson Capital Systems , LLC has failed to provide any verification or supporting documentation proving that I owe this debt. The law requires them to cease collection efforts and credit reporting until the debt has been properly validated.

4. Unlawful Collection Attempts and Credit Reporting Without Notice I have never received any communication from Jefferson Capital Systems , LLC before they placed this account on my credit report. This is deceptive and violates both the FDCPA and FCRA because I was denied the opportunity to dispute or verify the debt before it impacted my credit score.

Cease and Desist Demand Under 15 U.S.C. 1692c ( c ) ( FDCPA ), I am formally demanding that Jefferson Capital Systems , LLC : 1. Cease all collection activities immediately This includes letters, phone calls, emails, or any other form of communication regarding this alleged debt. 
2. Cease furnishing or verifying this account with the credit reporting agencies unless they provide : A copy of the original signed contract with XXXX XXXX proving my obligation to pay. 
A full and detailed payment history including the breakdown of any charges, interest, or fees. 
The complete chain of ownership of this account, showing how Jefferson Capital Systems , LLC legally acquired the debt. 
Proof that this account has not been re-aged, including the correct Date of First Delinquency ( DOFD ). 

If Jefferson Capital Systems , LLC fails to comply with this cease and desist demand, I request that the CFPB take action to investigate and enforce compliance with federal laws.

Company response to consumer: Closed with explanation