Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing this complaint regarding an inaccurate and unverified collection account being reported on my credit file. Creditor : Jefferson Capital Systems/Original Creditor : XXXX Account Number : XXXX. Balance : {$3400.00}. This account is being reported as a collection account ; however, I have not been provided with any documentation to support the validity of this debt. Specifically : No contract or agreement has been provided showing that I entered into an obligation with XXXX. No itemized statement or breakdown of the alleged charges has been provided. I am requesting validation of this debt, including : XXXX ) Documentation from the original creditor ( XXXX ). A complete accounting of the charges. To date, none of this information has been provided. The continued reporting of this account without supporting documentation raises concerns regarding the accuracy and reliability of the information being reported. XXXX XXXX / REPORTING ISSUES : This account is being reported as a debt buyer account with limited or missing data fields. The reporting lacks sufficient detail regarding the original obligation. The payment history reflects collection status without supporting documentation. There is no clear evidence of a valid contractual relationship. This raises concerns about compliance with industry reporting standards and the accuracy of the information being furnished. The burden of proof rests with the furnisher of the information. I am not required to prove that this debt is invalid. Jefferson Capital Systems is required to provide documentation proving that this debt is valid and that I am legally responsible. When I requested documentation and validation of this alleged debt, Jefferson Capital Systems responded by providing an internal questionnaire instead of the requested information. This response is improper and does not satisfy their legal obligations. Please be advised : I am not required to complete any internal or proprietary questionnaires as a condition of investigating a disputed account. My dispute and statements submitted through the CFPB constitute formal and sufficient notice The obligation to investigate and verify this account rests entirely with the furnisher of the information. Providing a questionnaire in place of documentation appears to be an attempt to delay or redirect the dispute process rather than provide validation of the debt. Under the Fair Credit Reporting Act : The furnisher is required to conduct a reasonable investigation based on the information provided. The furnisher must verify the accuracy of the account using its own records. There is no requirement under federal law that a consumer complete internal forms before a dispute can be investigated. They need to reach out to their client " XXXX '', request copies of the signed contract, signed by me for this, request a copy of the identification XXXX has on file when they opened the account in my name.

Company response to consumer: Closed with explanation