Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to file a complaint against Jefferson Capital Systems , LLC for alleged violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to an account they claim I owe. 

I have reason to believe that the account is inaccurate, and that Jefferson Capital Systems has failed to provide adequate verification of the debt, as required by law. Specifically, they have not provided me with a copy of the legally binding contract entered into at the conception of the debt, or any documentation of the original contract with the creditor, XXXX XXXX, that shows the transfer of ownership of the alleged debt to Jefferson Capital Systems. They also have not provided any proof of accurate legal debt assignment, payment history of the alleged debt, the correct original date of first default, or any communication of the payment address of the original creditor. Specifically, Jefferson Capital Systems has violated the following U.S.C. codes : 1681i ( a ) ( 1 ) ( A ) and ( B ) - Failing to provide verification of the debt upon my request 1681e ( b ) - Reporting inaccurate information on my credit report 1692e ( 2 ) ( A ) - Attempting to collect an alleged debt without a legal contract 1692e ( 5 ) - Failing to provide the payment history of the alleged debt 1692g ( a ) - Failing to provide the original contract of the alleged debt and any mention of transfer of ownership 1692g ( b ) - Failing to communicate proof of accurate legal debt assignment 1692g ( c ) - Forced/coerced admission of liability Furthermore, I believe that Jefferson Capital Systems has been trying to collect an alleged debt without providing any of the above-mentioned documentation, but with the intention of hurting my XXXX XXXX and stifling my financial success ( which amounts to passive harassment, coercion, and abuse ). 

According to the FDCPA and FCRA, it is the responsibility of the collection agency to provide all the requested information and proof mentioned above, and to report the account while indicating the accurate date of initial default, which provides the timeline for reporting. But Jefferson Capital Systems has failed to do so. Because of this failure, I am citing the legal responsibilities of a collection agency to the consumer to report the accurate date of initial default which provides the timeline for reporting. 

I am requesting an immediate investigation into this matter, and that the XXXX XXXX XXXX take appropriate action to hold Jefferson Capital Systems accountable for their alleged violations, as per U.S.C. code violations. I also request that the collections account be removed from my credit report and that any future attempts to report it be prohibited without the provision of all the information and proof requested above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation