Consumer complaint received 2026-03-11 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: CA

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC ( Original Creditor : XXXX XXXX ) to DEMAND the IMMEDIATE PERMANENT DELETION of their fraudulent and inaccurately reported account from my XXXX credit report. Jefferson Capital is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 2 ) ( A ) and 1692g, and the California Consumer Credit Reporting Agencies Act ( CCCRAA ). JEFFERSON CAPITAL HAS NO STANDING TO REPORT THIS DEBT Jefferson Capital is a debt buyer. As such, they bear the absolute burden of proving they actually own the debt they are attempting to collect and report. They have failed to provide ANY evidence of ownership. Without proof of ownership and a complete chain of title, Jefferson Capital has no legal standing to place any information on my credit report. Their continued reporting without standing constitutes fraud and defamation of character. DEMAND FOR PROOF OF OWNERSHIP AND CHAIN OF TITLE I formally demand that Jefferson Capital produce the following documents IMMEDIATELY : PROOF OF OWNERSHIP : The original signed contract bearing my name and signature from the original creditor " XXXX XXXX '' establishing that the debt is validly mine. COMPLETE CHAIN OF TITLE : A full, unbroken chain of custody for this specific account showing : The date " XXXX XXXX '' allegedly charged off the account. The date " XXXX XXXX '' sold the account and to whom. Every subsequent sale and assignment of the account. The bill of sale and assignment of assets proving Jefferson Capital specifically acquired THIS account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), not just a portfolio of accounts. Proof that Jefferson Capital has the legal right and standing to enforce and report this debt. FULL ACCOUNTING : A complete payment history from the original creditor " XXXX XXXX '' showing how the {$130.00} balance was calculated, including all charges, fees, interest, and payments. PROOF OF XX/XX/XXXX ACTIVITY : Specific documentation proving any transaction, payment, or communication from me in XX/XX/XXXX that justifies the fraudulent " Date Last Active '' of XX/XX/XXXX. They can not and will not provide this because they do not own this debt. They likely purchased a portfolio of random data without proper documentation, and they are now attempting to collect and report on debts they can not legally prove they own. JEFFERSON CAPITAL IS REPORTING DEMONSTRABLY FALSE INFORMATION I have attached copies of my credit reports proving Jefferson Capital is reporting contradictory, impossible, and fraudulent data. These inconsistencies are not minor errors ; they are proof that this debt is unverified, uncollectible, and must be deleted immediately. FRAUDULENT " DATE LAST ACTIVE '' - PROOF OF RE-AGING : Jefferson Capital reports a " Date Last Active '' of XX/XX/XXXX. The XXXX : The " Date Last Active '' is supposed to reflect the last actual transaction or payment on the account. There is no possible way a debt with an original creditor of " XXXX XXXX '' had a " last active '' date in XX/XX/XXXX, as this account was opened with Jefferson Capital in XX/XX/XXXX. This date is fabricated. Jefferson Capital is illegally " re-aging '' this debt to make it appear newer than it actually is, which is a direct violation of the FCRA and FDCPA. FALSE " DATE OPENED '' : Jefferson Capital reports a " Date Opened '' of XX/XX/XXXX. The Truth : Jefferson Capital is a debt buyer. They did NOT open this account. The original creditor, " XXXX XXXX, '' opened this account on an earlier date. Reporting a recent " Date Opened '' is a deceptive tactic to hide the true age of the debt, manipulate my credit scoring, and circumvent state statutes of limitations. INCONSISTENT REPORTING ACROSS BUREAUS : The screenshot provided shows data populated for XXXX, but NO DATA populated for XXXX XXXX XXXX. If Jefferson Capital is reporting this debt to only one bureau and not the others, it proves they lack uniform records and are selectively reporting data that can not be consistently verified. MISLEADING " LAST REPORTED '' DATE : Jefferson Capital last reported this account on XX/XX/XXXX, the same day as the fraudulent " Date Last Active. '' This circular reporting creates an illusion of recent activity where none exists. CEASE AND DESIST - FINAL NOTICE Pursuant to the FDCPA 1692c ( c ), I am ordering Jefferson Capital Systems , LLC to CEASE AND DESIST ALL COMMUNICATION with me regarding this alleged debt immediately. The only acceptable communication from them is written confirmation that this account has been PERMANENTLY DELETED from all three credit reporting agencies. LEGAL VIOLATIONS AND DEMAND FOR RELIEF FCRA 1681e ( b ) : Jefferson Capital has willfully failed to follow reasonable procedures to assure maximum possible accuracy. Reporting a " Date Last Active '' of XX/XX/XXXX when no activity occurred is fraud, not a mistake. FCRA 1681i : Jefferson Capital has failed to conduct a legally compliant investigation. If they had investigated, they would have discovered they can not verify a XX/XX/XXXX " last active '' date and would have been forced to delete the entry. FDCPA 1692e ( 2 ) ( A ) : Jefferson Capital is falsely representing the character, amount, and legal status of this debt by reporting fraudulent dates to make the debt appear newer. FDCPA 1692g : Jefferson Capital continues collection activity ( via credit reporting ) without providing debt validation. They have failed to provide proof of ownership or chain of title, which is a direct violation of my rights. Without proof of ownership, they are attempting to collect a debt they may not legally possess. DEFAMATION : By reporting false information without proof of ownership, Jefferson Capital is defaming my character and damaging my creditworthiness to potential lenders. Jefferson Capital has proven they can not report this account accurately. They have proven they can not validate this debt. They have proven they can not provide proof of ownership or chain of title. The fabricated " Date Last Active '' of XX/XX/XXXX is proof of bad faith and potential perjury in credit reporting. The ONLY legal remedy is IMMEDIATE AND PERMANENT DELETION. I DEMAND that the CFPB intervene and compel Jefferson Capital Systems , LLC to DELETE this entirely fraudulent trade line from my credit reports immediately and provide written confirmation of such deletion. Failure to do so will result in further legal action, including but not limited to a lawsuit for damages under the FCRA and FDCPA.

Company response to consumer: Closed with explanation