CL Holdings LLC

I am disputing a collection account reported by Jefferson Capital Systems related to an alleged XXXX balance of {$970.00}. I do not believe this account information is accurate and I am requesting that the company provide proper verification of the debt. I became aware of this collection account after reviewing my credit report. I have not received sufficient documentation showing that I legally owe this balance or that the amount reported is correct. I am requesting validation of the debt, including the original account information, payment history, and proof that Jefferson Capital Systems has the authority to collect on this account.

I am submitting this complaint regarding a collection account being reported by Jefferson Capital Systems on my credit report. The account is listed as a collection account for approximately {$2500.00} allegedly connected to XXXX and was opened on or around XX/XX/year>. I requested proper verification and validation of this debt, including proof that Jefferson Capital Systems has the legal right to collect the debt, a complete payment history, and documentation showing the amount reported is accurate. I have concerns that the account information being reported may be inaccurate, incomplete, or unverifiable. Despite my efforts to address this matter, the account continues to report negatively on my credit report and is harming my credit standing. I am requesting that the company provide full validation of the debt and investigate the accuracy of the information being reported to the credit bureaus.…

Im writing to file a complaint against JEFFERSON CAPITAL SYSTEMS for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

XXXX is reporting a debt for unreturned equipment. I was never provided proper return materials/instructions. I requested verification and accurate documentation and have not received sufficient proof.

I previously disputed this Jefferson Capital account with the credit bureaus and directly requested validation from Jefferson Capital, but I received no meaningful documentation. I have also submitted a dispute through XXXX and the bureaus returned the tradeline as verified without providing a copy of the original signed contract or an itemized accounting. I requested information from Jefferson Capital and they failed to provide proof of the original agreement or chain of title. I request full debt validation ( original signed contract, itemized balance calculation, and proof that Jefferson Capital is authorized to collect ). If they can not produce these documents, delete this tradeline from all credit reporting agencies.

This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

I have asked for proof, I have asked for copy of a bill, I do not even owe this!

requested that Jefferson Capital Systems provide documentation to verify the accuracy and legitimacy of the accounts they are reporting. The following items were requested but not provided : Original signed contract or application Documentation from the original creditor showing I opened the account and agreed to the terms. Full itemized account statement A complete breakdown of the balance, including fees, interest, payments, and adjustments. Proof of ownership or chain of custody Records showing when and how the debt was transferred or sold to Jefferson Capital. Date of First Delinquency ( DOFD ) documentation Required to determine how long the account can legally remain on my credit report. Complete payment history All payment dates, amounts, credits, and adjustments applied to the account. XXXX of all reported dates Including the date the account was opened, the date it became delinquent, and the date it was placed in collections.…

Starting XX/XX/year> Jefferson capital would call yelling my name and scaring me. My XXXX would instantly start beating fast, I would think something is wrong with my kids or something happened. Then I would say yes and they say do you still live on XXXX XXXX. I was like XXXX XXXX what are you talking about. Is your birthday XXXX XXXX yes it is who is this. Why you haven't paid your XXXXXXXX XXXX XXXX bill. I respond who is this. XXXX this is not a debt call this is an old bill we just try to see what's going on. We will never add this bill to your credit report it's too old to add to your credit report. We just want to know how are you going to pay the bill. I told them it has been charged for because XXXX XXXX put that on the credit report at the time. XXXX XXXX charge is under XXXX XXXX. The lady argued and yelled. Kept calling me a liar and laughing. Then I hung up and almost everyday since then I've been getting calls. In XXXX they placed this to all three of my credit reports

XXXX erroneously generated charges for an account that was canceled the same day it was opened in XXXX. XXXX has repeatedly acknowledged the error and credited the account, but their automated system continues to sell the phantom balance to third-party collection agencies.

JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I reviewed my credit report and noticed inaccurate information being reported by XXXX XXXX. I disputed the account with the credit bureaus, but the inaccurate information still remains on my report. I am requesting that this account be properly investigated and removed or corrected if it can not be verified accurately. This inaccurate reporting is affecting my credit score and ability to obtain credit.

I am filing this complaint regarding inaccurate, misleading, and potentially unverifiable reporting of a collection account reported by Jefferson Capital Systems on my credit file. ACCOUNT AT ISSUE : JEFFERSON CAPITAL SYSTEMS Account Number : XXXX Original Creditor : XXXX Account Type : Debt Buyer Reported Balance : {$570.00} Status Reported : Collection Account Date Opened : XX/XX/year> NATURE OF THE DISPUTE This account is being reported as a collection account by a debt buyer, yet I have not been provided with sufficient documentation proving : Ownership of the alleged debt Valid assignment or transfer of the account Contractual liability Complete accounting of the charges Verification of the balance being reported Despite the derogatory reporting, I have not received : Original signed agreement Original service contract Itemized billing records Documentation showing lawful transfer from XXXX to Jefferson Capital Systems Documentation proving the amount being reported is…

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.

This is the XXXX time I'm dealing with XXXX XXXX. My info was compromised ( I'm assuming from EVERY time these XXXX XXXX XXXX XXXX get HACKED ). I've spoken to XXXX on numerous occasions. They've even agreed this debt is/was " NOT '' mine & " YET '', they placate me saying no worries we're taking it off. It'll be gone for a couple of months then it re-emerges with a new creditor. I can't get a loan or anything because XXXX XXXX XXXX XXXX XXXX XXXX XXXX too lazy to work, or they don't care whom they keep putting out as long as they get paid.

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.

JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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.

Im writing to file a complaint against Jefferson Capital LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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.…

On XX/XX/2026, I mailed a written dispute and validation request regarding an alleged deficiency balance arising from a repossessed XXXX XXXX XXXX vehicle account. XXXX records confirm Jefferson Capital Systems , LLC received the dispute on XX/XX/2026. My dispute requested validation of the debt, proof of assignment, chain of title, and documentation establishing Jefferson Capital 's authority to collect. Instead of responding to the dispute and providing validation, Jefferson Capital filed a lawsuit against me in XXXX XXXX XXXX XXXX on XX/XX/2026, seeking {$9900.00}. Attached you will find all proof of claim. After learning of the lawsuit, I mailed additional notices to both Jefferson Capital and its attorney on XX/XX/2026. No substantive validation response was provided.…

Im writing to file a complaint against [ Collection Agency Name ] for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

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

CFPB Complaint - Inaccurate and Unverified Credit Reporting Consumer Information Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : Last 4 digits XXXX Date : XX/XX/year> Credit bureaus or furnishers involved : XXXX XXXX XXXX Complaint Summary The consumer, XXXX XXXX XXXX, is experiencing significant issues with inaccurate and unverified credit reporting on her credit report. Despite numerous attempts to rectify these inaccuracies, the credit bureaus and furnishers involved have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically sections 1681e ( b ), 1681i, and 1681s-2. The inaccuracies include incorrect account statuses, unverifiable debts, and outdated charge-offs, which have caused substantial harm to the consumer 's creditworthiness and financial well-being. These errors have led to an inaccurate reflection of her credit history, resulting in potential loan denials and higher interest rates.…

Consumer Financial Protection Bureau Complaint Complaint Against : JEFFERSON CAPITAL LLC / Jefferson Capital Systems I am filing this complaint regarding JEFFERSON CAPITAL LLC for failure to properly validate an alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The account is currently being reported on my credit report as follows : Company : JEFFERSON CAPITAL LLC Reported Date : XX/XX/XXXX Balance : {$500.00} Opened : XX/XX/XXXX Status : Collection Account Responsibility : Individual Account I disputed this account and requested proper validation of the alleged debt.…

I went to the XXXX XXXX police and got a police report and also filled out a AFFIDAVIT for the total of XXXX that is not in my legal name

I have some kind of a debt with XXXX but I'm not sure why though because it wasn't my doing I'm a victim of identity theft I didn't know anything about the debt until I started getting things on my credit reports for all 3 credit bureaus about it I don't know who the person that did it because I don't know who they are at all but they used my personal information to do something for themselves without my knowledge then I got stuck having to pay for something I didn't even do anything for getting this debt with XXXX but I wanted to dispute it because the person that did this did it without my knowledge I don't know who they are either I just know that they committed identity theft using my personal information to do whatever they did for my XXXX account I used to have in the past but I didn't know anything about who they are at all so please help me remove the debt with XXXX off my credit reports asap because I had nothing to do with that situation I'd definitely want it disputed…

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.

I am disputing a collection account reported by Jefferson Capital Systems on my XXXX XXXX, and XXXX credit reports. The account is for an alleged T-Mobile debt of {$2700.00}. Jefferson Capital is coding this account as a " factoring company account '' ( XXXX XXXX code XXXX ). I am an individual consumer, not a business. Factoring company accounts are legally defined as the purchase of commercial receivables from ongoing business relationships they are not for consumer debt collection. This is a material misrepresentation under FCRA 15 U.S.C. 1681e ( b ) and is considered a deceptive practice by the FTC and CFPB. I have requested validation directly from Jefferson Capital, including a copy of any original contract bearing my signature. They have not provided any signed agreement. Without a signed consumer contract, they can not legally report this debt. Under FCRA Section 611 ( a ) ( 1 ) ( A ), unverifiable information must be deleted.…