Consumer complaint received 2025-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MD

Complaint narrative:
Dear CFPB Representative, I am filing a formal complaint against Jefferson Capital Systems LLC for its blatant violations of federal consumer protection laws, specifically its non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The companys actions for the sum of {$25000.00}, as outlined below, demonstrate a clear disregard for legally mandated requirements, and I demand immediate regulatory intervention to hold them accountable.

Violation of 12 CFR 1006.34 ( b ) ( 5 ) Failure to Provide Legally Required Itemization of Debt Jefferson Capital Systems LLC has failed to provide a detailed itemization of the alleged debt, including a breakdown of principal, interest, fees, and other charges. This omission directly impairs my ability to verify the validity of the debt and constitutes a clear violation of federal regulations. The law explicitly requires such information to be furnished to the consumer, and their failure to do so is unacceptable. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Failure to Disclose the Creditors Identity The company has not provided a proper validation notice that includes the name of the creditor to whom the alleged debt is owed. This is a fundamental requirement under federal law to ensure consumers are able to verify the legitimacy of any claimed obligation. Their failure to provide this critical information not only raises serious concerns about their collection practices but also suggests potential deceptive conduct.

Violation of 12 CFR 1006.34 ( d ) Failure to Provide Consumer Rights Disclosures Jefferson Capital Systems LLC has willfully disregarded its obligation to inform me of my rights, including my right to dispute the debt and request validation. The law requires debt collectors to clearly outline these rights, and their failure to do so is a direct violation of federal regulations intended to protect consumers from predatory and unlawful collection practices.

Violation of 15 USC 1681s-2 ( a ) ( 7 ) ( A ) Failure to Provide Required Notice Before Reporting Negative Information Jefferson Capital Systems LLC has reported derogatory information to consumer reporting agencies without providing me with the legally mandated prior notice. This is a direct violation of the FCRA, which requires creditors and debt collectors to inform consumers before reporting negative information that could impact their credit standing. Their failure to comply with this provision demonstrates a reckless disregard for the law and consumer rights. 
Demand for Immediate Action I demand that the CFPB launch an immediate investigation into Jefferson Capital Systems LLCs illegal practices and take enforcement action to ensure compliance with federal law. I also demand that Jefferson Capital Systems LLC : Cease all collection activity related to this unverified debt until full legal compliance is met.

Provide a complete itemization of the alleged debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ).

Identify the original creditor in compliance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ).

Provide a full validation notice detailing my rights under 12 CFR 1006.34 ( d ).

Correct any unlawful or inaccurate reporting with consumer credit bureaus as required by 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Failure to comply with these demands may result in further legal action, including formal complaints to the Federal Trade Commission ( FTC ) and potential litigation. I expect a prompt response outlining the specific actions CFPB will take to address these violations.

Company response to consumer: Closed with explanation