Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nature of Complaint I am submitting this complaint regarding repeated debt collection activity, refusal to provide proper debt validation, continued credit reporting of disputed information, and the filing of litigation despite multiple identity theft disputes and formal requests for validation. I repeatedly disputed the alleged account directly with the collector, through credit reporting agencies, and through correspondence directed to the collection attorneys. I also provided notice that the account was disputed due to identity theft concerns and lack of knowledge regarding the alleged debt. I possess both a Federal Identity Theft Affidavit and a notarized affidavit disputing the alleged account. Despite these disputes and requests for validation, the collector and its attorneys failed to provide competent evidence establishing : Original signed agreement or contract Complete chain of assignment or ownership Bill of sale identifying my specific account Original account-level records Admissible proof of balance calculations Competent evidence proving legal ownership of the alleged debt Instead of providing proper validation, I was served with a lawsuit. This conduct appears to violate multiple provisions of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), including continued collection activity and litigation on disputed information without providing meaningful validation. FDCPA Violations Alleged I believe Jefferson Capital Systems , LLC and/or XXXX & XXXX XXXX XXXX. violated the FDCPA by : Attempting to collect disputed debt without proper validation Continuing collection activity after receiving disputes Using litigation as a collection tactic despite unresolved disputes Misrepresenting the legal status or validity of the alleged debt Attempting to collect without sufficient documentation proving ownership and accuracy Relying on summaries or generic statements instead of admissible underlying records FCRA Violations Alleged I believe they also violated the FCRA by : Continuing to report disputed information without conducting a reasonable investigation Failing to properly mark the account as disputed Continuing collection and reporting activity after receiving identity theft notices and affidavits Furnishing information that could not be properly verified Requested Relief I request that the CFPB investigate Jefferson Capital Systems , LLC and XXXX XXXX XXXX, XXXX. regarding : Failure to provide proper debt validation Continued collection activity after disputes Litigation filed despite unresolved identity theft disputes Potential inaccurate credit reporting Potential violations of the FDCPA and FCRA I further request : Immediate cessation of collection activity Dismissal of litigation related to the disputed account Deletion of all related tradelines from all consumer reporting agencies Written confirmation that the account will no longer be collected or reported Preservation of all account-level and litigation-related records Please also note that I reserve all rights to pursue private civil remedies and additional complaints regarding these actions.

Company response to consumer: Closed with explanation