Debt collection -- Electronic communications -- Complaint #11425859
Complaint Overview
Complaint ID: 11425859
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Electronic communications
Sub-Issue: Frequent or repeated messages
State: Georgia
ZIP Code: 30080
Date Received: 2025-01-07T12:00:00-05:00
Date Sent to Company: 2025-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Reference Number : XXXX Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in investigating and resolving a matter involving a debt collection agency, Jefferson Capital Systems LLC, regarding an alleged debt associated with the original creditor, XXXX XXXX, under account number XXXX. The agency claims that I owe a total balance of {$5200.00} under their current account number XXXX. I dispute the validity of this debt and request that Jefferson Capital Systems LLC provide proper validation in compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), which requires debt collectors to cease collection activities until they have verified the debt and provided documentation to the consumer. To date, I have not received adequate documentation that substantiates the validity of the debt. As such, I am exercising my rights under : 15 U.S.C. 1692g : Validation of debts. 15 U.S.C. 1692e ( 8 ) : Communication of false or misleading information about a debt. 15 U.S.C. 1692c ( c ) : Ceasing communication upon written request. Additionally, I request your assistance in ensuring compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, specifically concerning the accuracy of information reported to credit bureaus by Jefferson Capital Systems LLC or any affiliated parties. Any unverifiable or inaccurate information must be removed promptly. I respectfully request that this debt be removed from my records unless Jefferson Capital Systems LLC can provide documentation proving : XXXX. The original agreement or contract with XXXX XXXX that substantiates my obligation. 2. A full accounting of how the balance of {$5200.00} was calculated. 3. Verification of their legal authority to collect on this debt. If they can not provide this information, I ask that this matter be closed and the alleged debt removed from my records and credit reports. Please notify me of the status of this complaint and any action taken on your part. I am prepared to provide additional information or documentation, if needed. Thank you for your assistance in this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11425859 about?
Complaint #11425859 was filed against Cl Holdings LLC regarding Debt collection specifically about Electronic communications. It was received by the CFPB on 2025-01-07T12:00:00-05:00.
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.