Consumer complaint received 2019-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: TX

Complaint narrative:
On the morning of XX/XX/2019, I was startled and approached by a process server, who was standing near my door when I opened it. She informed me that I was being sued, and after briefly reviewing the formal legal pleading, I signed it and she left. 

After receiving the pleading, I reviewed it in its entirety and it seems that Jefferson Capital Systems, LLC., was suing me for a debt that I had absolutely no knowledge of. Jefferson Capital Systems , LLC, is not listed on any of my credit reports and the company they purportedly represent is showing a zero balance on my credit report. However, Jefferson Capital Systems , LLC, is suing me for {$2400.00}. 

Jefferson Capital Systems , LLC, seems to have completely disregarded the federal law of the Fair Debt Collection Practices Act [ Title 15, USC 1692f, 809 ( d ) ], which says communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). This was, in fact, my initial communication with Jefferson Capital Systems , LLC. 

According to Title 15, USC 1692f, 809 ( a ), of the Fair Debt Collections Practices Act, I should have been given written notice, and an opportunity to identify, investigate and validate this debt, before being served with a legal proceeding. However, Jefferson Capital Systems , LLC, made a conscious decision to disregard Title 15, USC 1692f, 809 ( a, b and c ) of the federal law and have me served, thereby taking away my right to challenge the validity of the debt. 

Additionally, the address documented for the defendant on the formal pleading is completely inaccurate and is not an address in XXXX XXXX, which is where I reside. The address documented, is, in fact, a XXXX XXXX address. 

I had 14 days to file an answer, in which I did and our initial hearing was heard on XX/XX/2019, and is still pending the outcome of an investigation. 

I also reached out to Jefferson Capital Systems , LLC, and was informed by one of their representatives that written notice was mailed to me, at the address on the legal proceedings, which is not my address, nor has it ever been. 

I presently have an active account ( with a small balance 17 % ) with the company in question and have previously had another account with them, that is now closed and was paid in full. Im also reaching out to the company ( XXXX ) to request detailed records of any/all transactions associated with the account in question, which is presently showing a zero balance on my credit report. 

Im also a victim of ID theft. My name is presently a part of the XXXX Data Breach, XXXX XXXX Security Incident, checks, other credit cards, along with the thousands of dollars being taken from the IRS in my name. The IRS finally cleared me, after a nearly year-long comprehensive investigation. I have police reports, an FTC file #, along with other pertinent documents from years of dealing with this matter.

Company response to consumer: Closed with explanation