Consumer complaint received 2025-01-07 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:
Dear CFPB, I am writing to formally lodge a complaint regarding a debt that has been reported by JEFFERSON CAP. I would like to state that I have no knowledge of this debt and am entirely unaware of its existence.

Additionally, I was not provided the opportunity to dispute this debt, as I did not receive any proper notification regarding it. If JEFFERSON CAP claims that proper notification was provided, I request that they provide certified documentation, including the mail receipt with my signature, as evidence that I received such notification.

I find this situation extremely concerning, as I strive to maintain accurate records of my financial obligations. This issue is causing unnecessary stress and could potentially damage my financial standing. 

I respectfully request that the CFPB investigate this matter and assist in ensuring that JEFFERSON CAP either provides verifiable proof of this debt and the proper notification thereof or ceases collection attempts.

Thank you for your assistance. I look forward to your timely response to this matter. 

JEFFERSON CAPITAL SYST Filters XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance {$800.00} {$800.00} Last Verified -- -- Date of Last Activity XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Balance Owed {$800.00} {$800.00} Closed Date -- -- Account Rating Derogatory Derogatory Account Description Individual Individual Dispute Status Account not disputed Account not disputed Creditor Type Bulk Purchase Finance Factoring Companies Account Status Closed Open Payment Status Collection/Chargeoff Late 120 Days Creditor Remarks Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department. 
Collection account Original Creditor -- -- Payment Amount {$0.00} {$0.00} Last Payment -- XX/XX/XXXX Term Length 1 Month ( XXXX ) -- Past Due Amount {$800.00} {$800.00} Account Type Unknown - credit extension, review, or collection Collection Payment Frequency Credit Limit {$0.00} XXXX XXXXJEFFCAPSYS Filters XXXX XXXX Account # XXXX High Balance {$1000.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$1000.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Other Collection Agencies Account Status Open Payment Status Collection/Chargeoff Creditor Remarks Placed for collection Original Creditor XXXX XXXX Payment Amount -- Last Payment -- Term Length -- Past Due Amount -- Account Type -- Payment Frequency -- Credit Limit -- JEFFCAPSYS Filters XXXX XXXX Account XXXX XXXX High Balance {$800.00} Last Verified XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$800.00} Closed Date -- Account Rating Derogatory Account Description Individual Dispute Status Account not disputed Creditor Type Other Collection Agencies Account Status Open Payment Status Collection/Chargeoff Creditor Remarks Placed for collection Original Creditor XXXX XXXX Payment Amount -- Last Payment -- Term Length -- Past Due Amount -- Account Type -- Payment Frequency -- Credit Limit --

Company response to consumer: Closed with explanation