Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Jefferson Capital Systems , LLC * * Account Information * * * Balance Reported : {$86.00} * Highest Balance Reported : {$86.00} * Date Opened : XX/XX/year> * Account Status : Open Collection Account * Responsibility : Individual Account * Original Creditor : Not Reported/ Unknown * Remarks : Collection Account * * Complaint * * I am filing this complaint against Jefferson Capital Systems , LLC regarding a collection account being reported on my consumer credit reports that I dispute. Jefferson Capital Systems is reporting a collection account with a balance of {$86.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt. The account is being reported without identifying the original creditor, making it impossible for me to determine the source of the alleged obligation, verify its accuracy, or evaluate whether Jefferson Capital Systems has the legal authority to collect and report it. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information must provide accurate and complete information to consumer reporting agencies. Furnishers may not furnish information they know or have reasonable cause to believe is inaccurate. Reporting a collection account without adequate identifying information regarding the original creditor raises concerns regarding the completeness and verifiability of the information being reported. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, Jefferson Capital Systems is required to conduct a reasonable investigation, review all relevant information, and correct or delete information that can not be verified. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, prohibits debt collectors from using false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must possess sufficient documentation establishing the existence of the debt, the amount owed, and their legal authority to collect it. I request that Jefferson Capital Systems provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation establishing Jefferson Capital Systems ' ownership of or authority to collect the debt. 5. The complete chain of assignment, transfer, or sale of the account. 6. Documentation supporting the reported balance of {$86.00}. 7. A complete payment history and accounting of the alleged debt. 8. Documentation establishing the date of first delinquency. 9. Copies of any records used to verify the account during prior disputes or investigations. 10. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. The Consumer Financial Protection Bureau has emphasized that debt buyers and collection agencies must maintain sufficient records to support the accuracy and integrity of information furnished to consumer reporting agencies. If Jefferson Capital Systems can not provide competent evidence validating the debt, identifying the original creditor, and supporting the balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Jefferson Capital Systems conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with non-monetary relief