Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Request for Account Information Not a Dispute To Whom It May Concern, I am writing regarding the collection account you have reported to XXXX under account number XXXX, originally associated with XXXX XXXX. I want to clarify that I am not disputing this account at this time ; however, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) to request the following information : 1. Date of First Delinquency As required under the FCRA ( 15 U.S.C. 1681c ), I request confirmation of the date of first delinquency on this account. 


2. Date of Last Payment Please provide the date of the last payment made toward this account. 


3. Date of Charge-Off Please confirm the exact date this account was charged off by the original creditor, XXXX XXXX . 


4. Chain of Title/Proof of Legal Ownership Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must provide verification of the debt, including proof that they have legal authority to collect on this account. Please provide documentation showing the transfer of ownership from XXXX XXXX to Jefferson Capital Systems or any other previous debt buyers. 


5. Account-Level Documentation with My Signature As part of the validation process, I am requesting a copy of the original contract or agreement bearing my signature that demonstrates my legal obligation to pay this alleged debt. 



I request that this information be provided to me in writing within 30 days of receiving this letter. If you are unable to provide the requested documents, please indicate this in your response. 

Please send all correspondence to the mailing address listed above. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Subject : Request for Account Information Not a Dispute To Whom It May Concern, I am writing regarding the collection account you have reported to XXXX under account number XXXX, originally associated with XXXX XXXX. I want to clarify that I am not disputing this account at this time ; however, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) to request the following information : 1. Date of First Delinquency As required under the FCRA ( 15 U.S.C. 1681c ), I request confirmation of the date of first delinquency on this account. 


2. Date of Last Payment Please provide the date of the last payment made toward this account. 


3. Date of Charge-Off Please confirm the exact date this account was charged off by the original creditor, XXXX XXXX . 


4. Chain of Title/Proof of Legal Ownership Under the FDCPA ( 15 U.S.C. 1692g ), a debt collector must provide verification of the debt, including proof that they have legal authority to collect on this account. Please provide documentation showing the transfer of ownership from XXXX XXXX to Jefferson Capital Systems or any other previous debt buyers. 


5. Account-Level Documentation with My Signature As part of the validation process, I am requesting a copy of the original contract or agreement bearing my signature that demonstrates my legal obligation to pay this alleged debt.

Company response to consumer: Closed with explanation