Consumer complaint received 2024-12-27 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: PA

Complaint narrative:
[ XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Dispute Against Jefferson Capital Systems LLC and Revocation of Contact Rights Dear CFPB, I am submitting this formal complaint against Jefferson Capital Systems LLC , which appears on my credit report with inaccurate, incomplete, and unverifiable information. I believe this company has violated my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by reporting a disputed debt without proper validation or supporting documentation. 



Background Information I have attached copies of my three-bureau credit report dated XX/XX/year>, along with prior reports from XX/XX/year>. These reports include a collection account listed by Jefferson Capital Systems LLC with the following details : Account Number : XXXX ( Reported under XXXX, XXXX, and XXXX ) Original Creditor : XXXX XXXX  Balance : {$360.00} Date Opened : XX/XX/year> Status : Collection / Charge-Off I have no recollection of authorizing or owing this debt, and I have not received proper validation or documentation supporting its legitimacy. 



Disputed Account and Violations Jefferson Capital Systems Account # XXXX 1. Failure to Verify and Validate Debt ( 15 U.S.C. 1692g ) : I dispute the accuracy and validity of this account. No proof of debt ownership, contract agreements, or itemized statements have been provided to support this claim. 

2. Failure to Report Accurate Information ( 15 U.S.C. 1681e ( b ) ) : This account appears on my credit report with conflicting details across the three bureaus, including inconsistent dates of last activity and payment history.

3. Unfair Reporting of Negative Information ( 15 U.S.C. 1681c ) : The reported status as Collection/Charge-Off damages my creditworthiness without sufficient evidence.

4. Failure to Investigate Disputes ( 15 U.S.C. 1681i ) : Despite disputes, this debt has not been validated or corrected, violating my right to an accurate credit report. 



Formal Demand to Cease and Desist Contact Effective immediately, I revoke my consent for Jefferson Capital Systems LLC to contact me via : Phone calls Text messages Emails This revocation is enforced under 15 U.S.C. 1692c ( c ) of the FDCPA. All future communication must occur in written letters sent via postal mail only.

Requested Actions 1. Investigation and Validation : Conduct a complete investigation into this disputed debt and provide written proof of ownership, including all original agreements and payment history.

2. Removal of Unverifiable Information : Remove the Jefferson Capital Systems LLC account from all three credit bureaus ( XXXX, XXXX, and XXXX ) if it can not be verified with proper documentation. 

3. Cease and Desist Contact : Enforce my request to cease all verbal and electronic communication immediately.

4. Provide Updated Reports : Send updated credit reports reflecting the removal or correction of this account within 30 days, as mandated by federal law. 



Supporting Documentation I have attached : Copies of my three-bureau credit reports from XX/XX/year>. 


Proof of errors, inconsistencies, and unverifiable information. 



Conclusion I request a thorough investigation and enforcement of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I expect a written response and confirmation of actions taken within 30 days, as required by federal law. 



Thank you for addressing this matter promptly. 



Sincerely, [ Your Signature ( if mailing ) ] [ Your Printed Name ]

Company response to consumer: Closed with explanation