Consumer complaint received 2025-03-18 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SC, XXXX XXXX XXXX Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN, XXXX Dear Sir or Madam, Re : Cease and Desist Demand and Request for Removal of Credit Reporting I am writing to formally demand that you cease all communication with me regarding the alleged debt associated with account number XXXX. I dispute the validity of this debt, and I believe that it has been inaccurately reported to the credit bureaus. 

This letter serves as a formal request that you immediately cease reporting this debt to any credit reporting agencies and remove any entries related to this account from my credit report. The continued reporting of this alleged debt is damaging to my credit score and violates my rights under federal law.

Background I have been made aware that Jefferson Capital Systems is reporting an alleged debt under the above-referenced account number to the credit bureaus, despite the fact that I do not acknowledge the validity of this debt. I have previously requested debt validation from your office but have not received the necessary documentation within the timeframe required by law.

I remind you that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, you are obligated to provide me with a written validation of this debt within 30 days of your initial communication. As I have not received such validation, I request that you cease further collection efforts and remove any reporting associated with this account from my credit history.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, any information reported to the credit bureaus must be accurate and complete. Since you have failed to provide proper validation of the alleged debt, any negative reporting associated with this account is inaccurate and must be removed from my credit report. Under FCRA 15 U.S.C. 1681s-2 ( b ), you have a duty to correct and update any information you have previously reported if it is found to be inaccurate. 

Demand for Removal from Credit Report I demand that you : Immediately cease and desist from reporting any information regarding the alleged debt to any credit reporting agency.

Remove all negative entries related to the alleged debt from my credit report with the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
Provide written confirmation that you have complied with this demand and that no further action will be taken to report or pursue this alleged debt. 
If you continue to report inaccurate information or fail to comply with this request, I will take further action, including filing a dispute with the credit reporting agencies, submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), and seeking legal recourse through the courts. Please be aware that I am prepared to pursue all available remedies under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including seeking damages for any violations of my rights under these laws. 

Thank you for your immediate attention to this matter. I expect a response within 30 days confirming that the inaccurate reporting has been removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation