Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital is reporting a inaccurate account/tradeline on my consumer credit report after reaching out to them they fail to comply this is my last time reaching out before arbitration I am filing this formal dispute and complaint against Jefferson Capital Systems , LLC for its continued and unlawful reporting of a debt allegedly purchased from XXXX XXXX XXXX which neither Jefferson Capital nor XXXX has been able to verify. 

Jefferson Capital Systems is reporting a collection account that they claim was purchased from XXXX. I have never received a proper validation of this debt, despite multiple requests for debt verification as required by federal law. Additionally, XXXX has also failed to provide any records or proof that this alleged debt is valid or owed by me. 

The lack of validation combined with the continued reporting of this alleged debt is a clear violation of my consumer rights under federal law. This continued reporting is not only inaccurate, but it is also harmful to my credit, causing undue financial hardship, anxiety, and emotional distress. 

XXXX XXXX has violated several key provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : XXXX U.S.C. XXXX ( b ) ( FCRA ) : Failure to ensure maximum possible accuracy of the information before reporting to consumer reporting agencies. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( FCRA ) : Failure to conduct a reasonable investigation after receiving a dispute. 

XXXX XXXX. XXXX ( b ) ( FDCPA ) : XXXX collection and reporting activities without validating the debt after a written request. 

XXXX XXXX. XXXX ( XXXX ) ( FDCPA ) : Reporting credit information which is known to be disputed without indicating that it is disputed. 

XXXX XXXX. XXXX ( FDCPA ) : Engaging in conduct intended to harass or oppress by continuing to report unverifiable debt. 

XXXX XXXX has a history of violating the law when attempting to collect or report unverifiable debts, including the following notable cases : Brown v. Jefferson Capital Systems , LLC, No. 1:16-cv-00467 ( D. Md. 2017 ) Jefferson Capital was found to have violated the FDCPA by continuing to report and attempt to collect a debt it could not validate.

McGinnis v. Jefferson Capital Systems , LLC, No. 2:15-cv-04105 ( W.D. Mo. 2016 ) The court denied Jefferson Capitals motion to dismiss when the plaintiff showed that the company failed to verify the debt and reported inaccurate information.

Frazier v. Jefferson Capital Systems , LLC, 767 F. Supp. 2d 1251 ( N.D. Ala. 2011 ) Jefferson Capital was found to have used unlawful debt collection tactics including reporting disputed and unverifiable debts.

This is a formal dispute of the debt and a demand for enforcement of my rights under federal law. Jefferson Capital has failed to act responsibly, failed to verify the debt, and continues to cause harm to my financial well-being. 

I appreciate the CFPBs assistance in protecting consumers like myself from abusive and unlawful practices by third-party debt buyers and furnishers.

Company response to consumer: Closed with explanation