Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MA

Complaint narrative:
b'XXXX XXXX\n\nTo Whom It May Concern,\n\nThis letter serves as my formal Notice of Dispute and Demand for Validation and Verification of Debt pursuant to the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g, and the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681 et seq.\n\nCreditor / Collector: Jefferson Capital Systems, LLC  \nAccount Number: XXXX (last digits withheld for security)  \nType of Account: Collection Account  \nDate Opened (as reported): XXXX  \nAlleged Status: XXXX past due as of XXXX XXXX  \n\nI dispute this account in its entirety. I do not acknowledge any liability for the alleged debt. Your reporting and collection activity require strict proof.\n\n### DEMAND FOR FULL VALIDATION & VERIFICATION\n\nPursuant to 15 U.S.C. 1692g(b) and 15 U.S.C. 1681, you are required to provide competent, admissible evidence substantiating the alleged obligation. This includes, but is not limited to, the following five key validation factors:\n\nXXXX. Original Contract & Agreement  \n   - A copy of the original, signed contract or agreement bearing my signature that created the alleged obligation.\n\nXXXX. Unbroken Chain of Title  \n   - Complete documentation showing the lawful transfer of the alleged debt from the original creditor to your company, including every assignment, bill of sale, and transfer agreement.\n\nXXXX. Proof of Ownership, Assignment of Rights & Standing  \n   - Evidence demonstrating that Jefferson Capital Systems has legal standing to collect, including assignment of rights specific to this account.\n\n4. Competent Witness & Evidentiary Foundation  \n   - A declaration from a qualified witness with personal knowledge, sufficient to satisfy Federal Rules of Evidence 602 and 803, establishing the accuracy and admissibility of the records relied upon.\n\n5. Jurisdictional Authority & Licensing  \n   - Proof that Jefferson Capital Systems is properly licensed and authorized to collect debts in my jurisdiction at the time of alleged collection and reporting.\n\n### NOTICE REGARDING INSUFFICIENT RESPONSES\n\nPlease be advised that mere account statements, spreadsheets, screenshots, computer-generated records, affidavits without personal knowledge, or internal summaries do NOT constitute proper validation under the FDCPA or FCRA.\n\n### CEASE COLLECTION & REPORTING NOTICE\n\nUntil such time as full and proper validation is provided:\n\n- You must cease all collection activity pursuant to 15 U.S.C. 1692g(b)  \n- You must refrain from reporting this account to any consumer reporting agency  \n- If the account is currently being reported, it must be deleted unless and until it is fully verified  \n\nAny continued reporting, updating, or re-aging of this account without proper verification may constitute a violation of FCRA 1681s-2(a) and other applicable federal and state laws.\n\nThis letter is not a refusal to pay, but a lawful request for validation. Any attempt to construe it otherwise is expressly rejected.\n\nPlease respond in writing within the time allowed by law'

Company response to consumer: Closed with explanation