Jefferson Capital: error on a credit report
Dispute the entry with each credit bureau and directly with Jefferson Capital at the address on your credit report.
What does this mean?
Grade B (good: mostly official pages; check the flagged values before relying on them). 100% of 7 sources are the organization's own pages or government sites; only 7 sourced values, so the entry is thin.
Collect
- credit report page with the entry
- proof of payment or identity theft report
Steps
Dispute the entry with each credit bureau that shows it.
Send a direct dispute to the address on your credit report for Jefferson Capital.
If the entry is not fixed, file a CFPB complaint.
More contacts for this issue
Facts you can cite
- Process
A furnisher must investigate a direct dispute sent to the address on your credit report or the address it gives for disputes, and finish within the same time a credit bureau has (Regulation V, 12 CFR 1022.43).
Source: consumerfinance.gov, verified 2026-10-13
- Policy
Jefferson Capital, Inc.'s list of subsidiaries filed with the SEC (June 2025) includes Jefferson Capital Holdings, LLC, CL Holdings, LLC and Jefferson Capital Systems, LLC.
Source: sec.gov, verified 2026-10-13
The CFPB received 25,014 complaints about "CL Holdings LLC" from July 1, 2025 to June 30, 2026 (debt collection 20,377; credit reporting 4,439). 20,052 were closed with explanation and 4,961 with non-monetary relief. The CFPB does not say this is Jefferson Capital; the name matches a Jefferson Capital subsidiary.
Source: consumerfinance.gov, verified 2026-10-13
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Written complaint
MailJefferson Capital company address Jefferson Capital, 200 14th Ave E, Sartell, MN 56377Dispute in writing within the validation period, at the address on the validation notice.
Federal regulator
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Small claims court
Watch out
- Jefferson Capital publishes no dispute address or hours on its site.
- The consumer portal needs JavaScript and sign-in.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
My Jefferson Capital credit report shows [wrong item]. Use Escalate Anything to get it corrected.Source code, other install options and the Claude Code plugin