Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital SystemsTo Register a Complaint : Mailing address : XXXX XXXX XXXX, XXXX. XXXX , XXXX MN XXXXPhone Number : XXXX ( toll free ) Email : XXXXXXXXXXXX XXXX, 2015Re : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. XXXX Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. 

Since you now have acquired this inaccurate disputed account. I have never been notified by Jefferson Capital System of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 


Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 

I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents:1. Please provide payment history. 
2. Copies of Disputed Inaccurate Billing Statements - XXXX XXXX. Agreement with your client that authorizes you to collect on this alleged debt. 
4. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. 
5. Complete payment history on this account, to prove that the amount you wish to collect is accurate. 
Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The Fair Credit Reporting Act ( FCRA ) is a federal law that details how consumer credit information can be collected, given out, and used. Under the FCRA, consumers have a right to view information in their credit file and dispute inaccurate information. TheFederal Trade Commission, FTC, publishes the full text of the FCRA. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay JEFFERSON CAPITAL SYSTEMS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief