Debt collection -- Written notification about debt -- Complaint #19692532
Complaint Overview
Complaint ID: 19692532
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Florida
ZIP Code: 33462
Date Received: 2026-02-22T12:00:00-05:00
Date Sent to Company: 2026-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company : Jefferson Capital Systems , LLC Original Creditor : XXXX USA Amount : {$1300.00} I am filing a complaint against Jefferson Capital Systems , LLC regarding a collection account they reported to XXXX. On XX/XX/XXXX, I sent Jefferson Capital a written debt validation request by certified mail after receiving their initial collection notice dated XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to cease collection and reporting activity until they provide proper validation of the debt. Despite this, Jefferson Capital reported the collection account to XXXX on XX/XX/XXXX, before providing any validation or proof that I owe this debt. Additionally, the account contains incorrect identifying information, including a misspelled name ( XXXX instead of my correct legal name XXXX ). The account also lists an inaccurate and misleading date opened of XX/XX/XXXX, which does not reflect the original date of delinquency with the original creditor ( XXXX XXXX. Jefferson Capital has not provided : Proof of ownership of the debt A copy of any contract or agreement with my signature An itemized billing statement from XXXX Verification that the added fees are valid Reporting a debt after it has been disputed and without providing validation violates my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ).
Frequently Asked Questions
What is Complaint #19692532 about?
Complaint #19692532 was filed against Cl Holdings LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2026-02-22T12:00:00-05:00.
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.