Consumer complaint received 2026-02-20 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: SC

Complaint narrative:
Upon reviewing my recent consumer credit report, I discovered that Jefferson Capital Systems , LLC is reporting an alleged debt in my name. I dispute this account in its entirety. 

I have never received the written notice required within five ( 5 ) days of your initial communication, as mandated by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). Your failure to provide this notice constitutes a direct violation of federal law.

Accordingly, this letter serves as my formal dispute of the alleged debt and a demand for full validation and substantiation. 

Pursuant to 15 U.S.C. 1692g ( b ), 1692e, and 1681s-2 ( b ), you are required to immediately cease all collection and reporting activity unless and until you provide competent, admissible evidence establishing your legal right to collect and furnish this alleged account.

DOCUMENTS REQUIRED You are hereby demanded to provide ALL of the following documentation : The full name and address of the original creditor, including the complete account number allegedly associated with this debt. 

A copy of the original contract or agreement, bearing my signature, that allegedly created the debt. 

The complete Purchase Agreement and/or Forward Flow Agreement between the original creditor and Jefferson Capital Systems , LLC, including all schedules, exhibits, and account-level data specifically identifying my alleged account.

A redacted, generic, or summary document will not suffice. 

A complete, unbroken chain of title, including : Executed contracts of assignment Bills of sale Notarized assignments All subsequent transfers Proof that my specific account was included in each transfer Proof of ownership demonstrating that Jefferson Capital Systems , LLC is the current legal owner of the alleged debt, and not merely a servicer or agent for collection. 

Proof of legal standing and authority to collect, including evidence that Jefferson Capital Systems , LLC possesses lawful rights under applicable state and federal law to enforce this alleged obligation. 

Proof of authorization to report or furnish this account to consumer reporting agencies, including : A valid servicing or furnishing agreement from the original creditor Evidence of permissible purpose under the Fair Credit Reporting Act Proof that such authorization survives any alleged assignment or sale A complete, itemized accounting of the amount claimed, including : Principal Interest ( including rate and contractual authority ) Fees or charges ( with contractual basis ) Any additional amounts added LEGAL AUTHORITY Courts have consistently held that a debt collector must substantiate its claimed rights through competent documentationnot mere assertions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Absent production of the above documents including the Purchase Agreement / Forward Flow Agreement identifying my specific account Jefferson Capital Systems , LLC lacks standing, ownership, and lawful authority to collect or report this account. 

DEMAND FOR IMMEDIATE COMPLIANCE Until proper validation is provided : You must immediately cease all collection activity pursuant to 15 U.S.C. 1692g ( b ).

You must cease reporting and remove any negative tradelines from XXXX, XXXX, and XXXX. 

Any continued reporting without substantiation constitutes willful non-compliance under 15 U.S.C. 1681s-2 ( b ).

NOTICE OF INTENT TO INITIATE LEGAL ACTION Failure to fully comply with this demand will result in immediate legal action without further notice, including claims for statutory damages, actual damages, attorneys fees, and costs under the FDCPA, FCRA, and all applicable state consumer protection statutes. 

This letter constitutes a formal dispute, a cease-collection notice, and notice of intent to litigate should unlawful reporting or collection continue without proof of ownership, authority, and authorization. 

Govern yourself accordingly.

Company response to consumer: Closed with explanation