Debt collection -- False statements or representation -- Complaint #11107025
Complaint Overview
Complaint ID: 11107025
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: Ohio
ZIP Code: 45240
Date Received: 2024-12-10T12:00:00-05:00
Date Sent to Company: 2024-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Jefferson Capital Systems Acct # XXXX Jefferson Capital Systems XXXX XXXX XXXX. XXXX XXXX, MN, XXXX Subject : Cease and Desist Demand and Formal Dispute of Information Dear Jefferson Capital Systems, I am writing to formally dispute certain information on my credit report that I believe is inaccurate, unverifiable, or reported without my consent. Furthermore, this letter serves as a Cease and Desist Demand requiring you to stop reporting, sharing, or disseminating this disputed information. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute any information on my credit report and to ensure that all information being reported is accurate, fair, and verifiable. The following items are in dispute : XXXX XXXX collection amount {$960.00} I also assert that I did not provide written authorization for the furnishing or dissemination of my credit information in relation to [ specific account or inquiry ]. Such activity violates 15 U.S.C. 1681b, which governs permissible purposes for obtaining and sharing consumer reports. Cease and Desist Demand : Effective immediately, you are to cease and desist any further reporting, sharing, or dissemination of this disputed information to third parties, including creditors, lenders, or any other entities. Continuing to report inaccurate or unauthorized information may result in further legal action, including complaints to regulatory agencies such as the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ). To resolve this matter, I request the following actions : Conduct a full investigation into the disputed information and provide me with written verification of its accuracy and permissibility. If the information can not be verified, remove it from my credit report immediately. Cease all reporting and dissemination of the disputed information while the investigation is ongoing and after resolution. Provide me with a corrected and updated copy of my credit report. Enclosed are copies of documents that support my dispute and verify my identity. Please acknowledge receipt of this letter in writing and complete your investigation within the time limits prescribed by law ( typically 30 days ). Failure to comply with this request may result in legal action to protect my rights under the Fair Credit Reporting Act and other applicable laws. Thank you for your immediate attention to this matter. Please contact me directly at [ your phone number ] or [ your email address ] if further clarification is needed. Sincerely, XXXX XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11107025 about?
Complaint #11107025 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2024-12-10T12:00:00-05:00.
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.