Debt collection -- Attempts to collect debt not owed -- Complaint #12782154
Complaint Overview
Complaint ID: 12782154
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Maryland
ZIP Code: 207XX
Date Received: 2025-04-01T12:00:00-05:00
Date Sent to Company: 2025-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a debt that was originally with XXXX and is now being reported by Jefferson Capital Systems. I became aware of this account while reviewing a tenant screening report through XXXX. I do not believe I owe this debt, and I requested validation from both XXXX and Jefferson Capital but never received a proper response. Despite my previous dispute efforts, this account continues to be reported on my credit file, negatively affecting me. I was not provided written notification or verification of the debt, and I have no signed agreement with Jefferson Capital. I am requesting a full investigation into the accuracy of this tradeline and asking for its removal if it can not be properly validated in accordance with the Fair Debt Collection Practices Act ( FDCPA ).
Frequently Asked Questions
What is Complaint #12782154 about?
Complaint #12782154 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-01T12:00:00-05:00.
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.