Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La XXXX To : Jefferson Capital Systems , LLC XXXX : XXXX XXXX XXXX Department [ Registered Agent or Compliance Address ] Re : Alleged Collection Account ( as Reported ) Amount Reported : {$3600.00} Original Creditor Listed : XXXX  Account Status : Open / Placed for Collection Account Opened ( as reported ) : XX/XX/year> Date : [ Insert Date ] FORMAL NOTICE DEMAND FOR METHOD OF VERIFICATION This correspondence constitutes a formal and legally binding demand for the specific method of verification used to continue reporting the above-referenced account after I disputed its accuracy. 

This demand is made pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and ( 7 ) and 15 U.S.C. 1692g ( b ). 

Be advised : a formal complaint regarding this account has already been filed with the Consumer Financial Protection Bureau ( CFPB ). All documentation related to this account is now preserved under active regulatory review. 



BACKGROUND DISPUTE + NONRESPONSE I disputed this account and demanded validation. 
You provided no response and no documentation whatsoever. 

Despite this, you continue to furnish this account as an active collection tradeline. 
You are therefore asserting that a reasonable investigation occurred. 

This letter requires you to prove that assertion. 



DEMAND FOR SPECIFIC METHOD OF VERIFICATION ( NOT A SUMMARY ) Pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), you are hereby required to provide the exact method of verification used to verify this account, including all of the following, without omission : 1. The name, title, and employer of the individual who verified the account 2. The date ( s ) the investigation was conducted 3. The manner of verification, including whether verification was : Automated Manual Via third-party database Via original creditor records 4. The specific documents relied upon, including : Signed contract or agreement Bill of sale Assignment documentation Chain of title from CONNS to Jefferson Capital 5. The source of the information, including : Name of entity contacted Address and contact method 6. The procedure used to confirm the accuracy of the balance 7. How you verified legal authority to collect and report this account General statements such as we verified with the creditor or information was confirmed do not satisfy the statute and will be treated as noncompliance.

FAILURE TO PROVIDE VALIDATION CONTINUED COLLECTION IS UNLAWFUL You have never provided debt validation as required by 15 U.S.C. 1692g ( b ). 
As such, all collection activity should have ceased. 

Credit reporting constitutes collection activity. 

Your continued furnishing of this account without validation is therefore knowing and willful noncompliance. 



LEGAL CONSEQUENCES OF NONCOMPLIANCE Failure to provide the specific method of verification demanded herein will constitute : A violation of 15 U.S.C. 1681i ( a ) ( 7 ) A violation of 15 U.S.C. 1692g ( b ) A violation of 15 U.S.C. 1681s-2 ( a ) for furnishing unverified information Evidence of willful noncompliance under the FCRA Each day this account remains reported without lawful verification constitutes a new violation.

FORMAL DEMAND FOR RELIEF You are hereby demanded to do ONE of the following within fifteen ( 15 ) days : OPTION 1 Provide the complete and specific method of verification as demanded above OPTION 2 Permanently delete this account from ALL consumer reporting agencies and confirm deletion in writing No partial responses are accepted. 
No summaries are accepted. 
No post-hoc documentation cures prior violations. 



NOTICE OF CONTINUED REGULATORY & LEGAL ACTION If you fail to comply : The existing CFPB complaint will be updated to reflect failure to provide MOV A formal FTC complaint will be filed Additional regulatory and civil remedies will be pursued No consent is granted for telephone contact. 
All communications must be in writing only. 
All rights are expressly reserved. 



Sincerely, XXXX XXXX WITHOUT PREJUDICE ALL RIGHTS RESERVED

Company response to consumer: Closed with explanation