CL Holdings LLC

I am writing in response to the recent communication I received from your agency regarding an alleged debt associated with my account. I am requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically under Section 809 ( b ). I dispute the validity of the debt, and it is within my rights as a consumer to request that you provide me with detailed information substantiate your claim. I kindly request that you provide the following documentation : 1. The original creditor 's name and contract information. 2. The original account number associated with the alleged debt. 3. Detailed information about the nature of the debt, including dates and amounts of all transactions or charges. 4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt. 5.Proof of your agency 's authorization to collect this debt on behalf of the original creditor.…

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I am submitting this complaint regarding a fraudulent account that does not belong to me and has been improperly reported and reinserted on my credit report. This account was previously removed after I disputed it as identity theft. I provided proper documentation, including an identity theft report. However, the account has now been reinserted without proper notice and without compliance with federal law. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), credit reporting agencies are required to block information resulting from identity theft within XXXX business days of receiving proper documentation. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if previously deleted information is reinserted, the credit bureau must notify me within XXXX business days. I did not receive proper notification.…

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To Whom It May Concern : I am formally disputing an unvalidated debt reported to my credit by Jefferson Capital LLC, with XXXX listed as the original creditor. In XX/XX/year>, I discovered this collection account on my credit report. I contacted Jefferson Capital LLC XXXX requesting debt validation no valid explanation was provided either time. I then contacted XXXX by phone ; your representative was unable to validate the debt and directed me to a retail store. At the store, staff were also unable to identify the debt and stated a XXXX XXXX would follow up. I have received no follow-up to date. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), all debts must be validated upon request. This unverified account has directly prevented me from securing housing and obtaining business funding both active, ongoing harms. I formally demand the following : XXXX.…

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I am filing a complaint against multiple debt collection agencies for potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). After disputing the alleged debts and requesting validation under XXXX XXXX. XXXX, the companies failed to provide sufficient documentation showing that I am legally responsible for the accounts. They did not produce essential records such as a signed agreement, proof of ownership or assignment, a full account history, or evidence of their authority to collect. Despite this, they appear to have continued collection efforts and may have reported the accounts to credit bureaus without properly verifying the information.…

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I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law.…

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* * COMPLAINT LETTER XXXX Jefferson Capital LLC ( Debt Collector ) * * XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Complaint against Jefferson Capital LLC Identity Fraud Debt Not Mine Dear CFPB : I am writing to file a formal complaint against * * Jefferson Capital LLC * * for violating the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by reporting and attempting to collect a debt that does not belong to me. This account is the result of identity theft/fraud. * * Account Details ( original creditor XXXX, opened XX/XX/XXXX ) : * * - Account Name : JEFFERSON CAPITAL LLC - Current Balance : {$1100.00} - Status : Collection account I have never had any account or contract with XXXX, nor have I ever authorized Jefferson Capital LLC to collect any debt on my behalf. I did not incur this debt in any way.…

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JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Account XXXX XXXX # XXXX I am unaware of this debt, XXXX did not have the opportunity XXXX dispute this account. If you believe you some proper notification, please provide 'certified mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Account XXXXXXXX XXXX XXXXXXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail with receipt displaying my signature. It not, please delete account XXXX XXXXXXXX as soon as possible from my report of i will have to take legal action

Validation of Debt Request - JEFFCAPSYS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XX/XX/XXXX, JEFFERSON CAPITAL SYSTEMS, XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Subject : Dispute and Request for Validation of Alleged Debt REF # XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the alleged debt referenced above. I do not recognize this account and have no knowledge of any such obligation. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Please provide the following : The name and address of the original creditor The full account number associated with the alleged debt The amount of the alleged debt, including an itemization of any interest, fees, or charges Documentation bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt.…

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My name is XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, GA, XXXX. I am writing to formally dispute a debt erroneously attributed to me by JEFFERSON CAPITAL SYST. The account number in question is XXXX, with a current balance of {$780.00}, which is reported under collections. I do not owe this debt, as it is not mine. On XX/XX/year>, I filed a dispute regarding incorrect details through an automated system, but the issue remains unresolved. The presence of this erroneous collection account has significantly impacted my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. These scores are a direct result of the incorrect reporting of this debt, adversely affecting my ability to secure favorable credit terms. According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe to be inaccurate.…

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Jefferson Capital System is XXXX reporting on my credit. I have never had any accounts with them. Per my research, XXXX XXXX XXXX is a debt collection. They are falsely reporting on my credit account # XXXX is falsely reporting to my credit file and is against my right and fair credit act. Under code XXXX ( b ) - XXXX of investigation consumer report, you are in violation.

I am disputing a collection account from Jefferson Capital Systems ( Acct XXXX XXXXXXXX XXXX XXXX XXXX XXXX ). Jefferson Capital sued me for this debt in XXXX XXXXXXXX XXXX ( Case XXXX XXXXXXXX ). On XX/XX/year>, they filed a Notice of Nonsuit, and XXXX XXXX XXXX signed an Order dismissing the case. Despite failing to prove the debt in court and formally withdrawing their legal claim, Jefferson Capital continues to report a balance of {$12000.00}. This is inaccurate and a violation of the Texas Debt Collection Act and the FCRA. I have disputed this with XXXX previously, but it remains. I am requesting immediate deletion as the collector has failed to substantiate the legal validity of this claim.

I am filing this complaint against Jefferson Capital Systems Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information to the credit bureaus, in violation of the FCRA and FDCPA. Upon reviewing my credit reports, I identified blatant contradictions that prove the data being reported is unreliable : Status Conflict : The account is reported as " Closed '' on XXXX but " Open '' on XXXX. As a debt buyer, Jefferson Capital has not extended me credit ; therefore, reporting an " Open '' status is factually false. Date Discrepancies : There is a conflicting " Date of Last Activity '' ( XX/XX/XXXX on XXXX vs. XX/XX/XXXX on XXXX ). This suggests illegal re-aging of the debt to keep it on my report longer. Lack of Validation : I do not recognize the alleged balance of {$2000.00}. The collector has failed to provide an itemized statement or a copy of the original contract with XXXX XXXX

I am filing a complaint regarding JEFFERSON CAPITAL for failure to properly validate an alleged debt and for reporting inaccurate information to the credit bureaus. I previously sent a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA 1692g ), but the company has failed to provide sufficient documentation to verify the debt. Despite this, they continue to report the account on my credit report, which is negatively impacting my credit profile. The company has not provided proof of a signed agreement, proof of ownership/assignment of the debt, or evidence that they are authorized to collect in my state.

Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Validation of Debt Request- JEFFERSON CAPITAL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Validation of Debt Request - XXXX - XXXX * * * * * * * * XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am filing a complaint regarding inaccurate credit reporting by Jefferson Capital Systems for an alleged debt related to a XX/XX/XXXX account. I disputed this account and requested that the company provide proof of the debt, including documentation showing I am legally responsible. The company failed to provide any such documentation. Despite this, the account continues to be reported on my credit report and has been marked as verified without any proof being provided to me. This raises concerns that the account was not properly investigated or verified in accordance with the Fair Credit Reporting Act. I am requesting that this account be fully investigated and either properly validated with documentation or removed from my credit report. Please provide all documentation used to verify this account, including any contracts, account statements, or proof of ownership of the debt.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

On XX/XX/year>, I received a call from XXXX XXXX Before the representative verified my identity or confirmed they were speaking to the correct person, the agent read Social Security XXXX XXXX loud over the phone. Reading a consumer 's Social Security Number ( SSN ) as a " verification '' method is an unsafe and illegitimate practice. By disclosing my full PII ( Personally Identifiable Information ) before I had confirmed who I was, the agent : 1. Risked a Third-Party Disclosure : If I were not the intended recipient or if someone else were in the room, my most sensitive private information would have been compromised. 2. Failed Proper Identification Protocols : Standard industry practice and consumer protection guidelines require the consumer to provide the last four digits of their SSN to verify their identity ; the collector should never read the number to the caller. This practice is an invasion of my privacy and creates a significant security risk.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nextXX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

As of XXXX of XXXX I was no longer a XXXX XXXX customer. At that time all outstanding charges were taken care of. In the last 2 years I have had multiple collection agencies try to collect on a XXXX XXXX balance but none of them can provide proof of an outstanding balance. Every prior occurrence was disputed and deleted from my credit report as this is not a valid collection. I have disputed another attempt at collection with XXXX and XXXX XXXX XXXX, and am being told it is not being removed from my credit report as of XX/XX/XXXX.

To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you claim I owe to XXXX XXXX. After carefully reviewing the information associated with this account, I have determined that the details you have reported are inaccurate, incomplete, and do not reflect any legitimate financial obligation on my part. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this debt. This includes, but is not limited to, a complete accounting of the alleged balance, copies of any signed agreements or contracts bearing my signature, detailed billing statements, and documentation proving that I am legally responsible for this debt. Until such validation is provided, you are required to cease all collection activities. Furthermore, the information currently being reported is incorrect and is causing harm to my financial standing.…

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Creditor Name JEFFCAPSYS Original Creditor XXXX XXXX XXXX Account Type Collection Account Info Last Updated By Creditor XX/XX/XXXX Balance - {$930.00} Highest Balance {$930.00} Date Opened XX/XX/XXXX Account Disputed No Account Condition Derogatory Remarks Placed for collection Responsibility Individual Account Number XXXX XXXX XXXX XXXX XXXX Creditor Info JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have never done business with Jefferson Capital Systems, nor XXXX these are fraudulent accounts on my credit report and I request they be removed please.

XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/year> Subject : Dispute of Inaccurate Credit Information To Whom It May Concern, I am disputing the following account listed on my credit report : Jefferson Capital Systems XXXX : {$700.00} This account appears to be incomplete and unverifiable under the Fair Credit Reporting Act. The report fails to include : * Original creditor information * Full account number * Date of first delinquency Because this information is missing, the account can not be properly verified. I am requesting a full investigation. If this account can not be verified as accurate and complete, it must be deleted from my credit file in accordance with the FCRA. Please send me written confirmation of the results. Sincerely, XXXX XXXX