Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Debt Validation and Notice of Dispute Letter ( For CFPB and Jefferson Capital Systems ) Date : XX/XX/year> To : Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX MN XXXX Subject : Formal Demand for Debt Validation and Cease Reporting Account in Question : Alleged Debt of {$660.00} Reported on XXXX XXXX  Credit Report Date Reported : XX/XX/year> Dear Jefferson Capital Systems Compliance Department, I am formally requesting validation and verification of the alleged debt you are reporting under my name. I recently reviewed my credit report and discovered that Jefferson Capital Systems has reported a collection account for {$660.00}, dated XX/XX/year>. I have not received any prior written or verbal communication from your company, nor have I been provided the legally required validation notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ). 

Because this debt was never verified or explained to me, and because I have not received the initial written notice containing details such as the name of the original creditor, the amount of the alleged debt, and my rights to dispute it, I am exercising those rights now. 

Under the FDCPA, I am requesting that you provide : Proof of ownership of the alleged debt, including the full chain of title from the original creditor to Jefferson Capital Systems. 

A complete itemized accounting of the amount you claim is owed, including interest, fees, and any charges added after assignment. 

A copy of any original signed agreement or contract bearing my signature showing that I agreed to the alleged obligation. 

The name, address, and account number of the original creditor, and any documents showing the relationship between the original creditor and Jefferson Capital Systems. 

Proof that Jefferson Capital Systems is licensed and legally permitted to collect debts in the State of New York. 

Until such documentation is provided, this debt is disputed in its entirety, and you are hereby notified to cease all collection and reporting activity related to this account, in compliance with 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ). 

If Jefferson Capital Systems fails to provide proper validation but continues to report this item to any consumer reporting agencies, this will constitute a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Such violations will be documented and included in my formal CFPB complaint, and I reserve my right to pursue further remedies under federal law. 

Please note that I am not refusing to pay ; rather, I am requesting that Jefferson Capital Systems comply with federal law and properly validate the alleged debt before taking any further action. 

You may respond to this letter by mail only, providing full written validation of the account. Any attempt to collect or report this account without first validating it will be treated as a willful violation of federal law. 

Thank you for your prompt attention. I expect a written response within 30 days of receipt. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX Email : XXXX SSN ( last 4 digits ) : XXXX

Company response to consumer: Closed with explanation