Debt collection -- False statements or representation -- Complaint #12391494
Complaint Overview
Complaint ID: 12391494
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75204
Date Received: 2025-03-09T12:00:00-05:00
Date Sent to Company: 2025-03-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX FORMAL DEMAND FOR DEBT VALIDATION & IMMEDIATE REMOVAL FROM CREDIT REPORT To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged debt you have reported to my credit file. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), you are legally required to provide proper validation of this account or cease all collection activity immediately, including reporting it to any credit bureau. LEGAL DEMANDS : Pursuant to federal law, I demand the following : 1. Proof of Debt Ownership ( 15 U.S.C. 1692g ( a ) ) Provide the original signed contract or agreement that establishes my liability for this debt. Provide the original creditors name, address, and contact information. 2. Complete Payment & Charge Breakdown ( 15 U.S.C. 1692e ( 2 ) ( A ) ) Itemized statement showing the principal balance, interest, late fees, collection costs, and any additional charges. 3. Legal Authority to Collect ( 15 U.S.C. 1692e ( 10 ) ) Documentation proving Jefferson Capital Systems legally owns or has been assigned this debt. Chain of custody showing all ownership transfers from the original creditor. 4. Proof the Debt is Within the Statute of Limitations ( 15 U.S.C. 1692f ) Under Texas law, the statute of limitations for debt collection varies. If this debt is time-barred, you must cease reporting and collecting immediately. IMMEDIATE CREDIT REPORT REMOVAL Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), if you can not verify this debt with complete documentation, you are required to remove any related negative reporting from my credit file. Failure to comply is a direct violation of federal law. You are on notice : If you fail to provide full validation within 30 days, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Texas Attorney Generals Office, and all three major credit bureaus ( XXXX, XXXX, and XXXX ). Additionally, I will explore legal action for damages under 15 U.S.C. 1681n, which allows me to sue for willful noncompliance. THIS IS NOT A REQUEST IT IS A LEGAL DEMAND. You must comply by law. Any further attempt to collect on this debt without proper validation will be considered a direct violation of my rights, and I will pursue all legal remedies available. I expect your written response within 30 days of receipt of this letter. If you fail to validate the debt or remove it from my credit report, I will take further action. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12391494 about?
Complaint #12391494 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-03-09T12:00:00-05:00.
How did Cl Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Cl Holdings LLC?
Yes, visit the Cl Holdings LLC company profile at readthecomplaint.com/company/cl-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.