Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Account Information * * * Balance Reported : {$180.00} * Highest Balance Reported : {$180.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Responsibility : Individual Account * Remarks : Collection Account * * Complaint * * I am filing this complaint against Jefferson Capital Systems , LLC regarding a collection account being reported on my consumer credit reports that I dispute. Jefferson Capital Systems is reporting a collection account with a balance of {$180.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. As a debt buyer and collection agency, Jefferson Capital Systems must maintain sufficient documentation establishing ownership of the debt, the amount being reported, and its authority to collect and furnish information regarding the account. I have not been provided with adequate documentation validating the debt or demonstrating Jefferson Capital Systems ' legal authority to report and collect it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not report information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, furnishers are required to conduct a reasonable investigation, review all relevant information, and correct or delete information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation establishing the validity of the debt, the amount owed, and their authority to collect it. I request that Jefferson Capital Systems provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Jefferson Capital Systems ' ownership of the account or authority to collect it. 5. The complete chain of assignment, transfer, or sale of the account. 6. A complete payment history and accounting supporting the reported balance of {$180.00}. 7. Documentation establishing the date of first delinquency. 8. Documentation demonstrating that the amount being reported is accurate and supported by business records. 9. Copies of any records used to verify the account during prior disputes or investigations. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. The Consumer Financial Protection Bureau has emphasized that debt buyers and debt collectors must maintain adequate records supporting the accuracy and integrity of information reported to consumer reporting agencies. If Jefferson Capital Systems can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information in violation of federal law. * * Requested Resolution * * I request that Jefferson Capital Systems conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief