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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Account Information * * * Balance Reported : {$510.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Original Creditor : Not Reported/ Unknown * Remark : Consumer Disputes This Account Information * * 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 {$510.00}. The account is currently marked as disputed ; however, I continue to dispute the validity, ownership, accuracy, and completeness of the information being reported. A significant concern is that the original creditor is not identified. Without disclosure of the original creditor, I am unable to determine the origin of the alleged debt, verify its accuracy, or confirm whether Jefferson Capital Systems has the legal authority to collect and report 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, Jefferson Capital Systems is required to conduct a reasonable investigation, review all relevant information, and correct, update, or delete any information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use 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 the debt. 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 {$510.00}. 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. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. The Consumer Financial Protection Bureau has emphasized that debt collectors and furnishers must maintain adequate records to support 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. * * 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