Debt collection -- False statements or representation -- Complaint #13375139
Complaint Overview
Complaint ID: 13375139
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: South Carolina
ZIP Code: 29488
Date Received: 2025-05-06T12:00:00-05:00
Date Sent to Company: 2025-05-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX XXXX, 2025 XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Jefferson Capital System LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Request for Debt Validation and Assignment Contract Pursuant to 15 U.S.C. 1692c- Account Number-XXXX Dear Sir/Madam, I am writing to formally request, under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, that you provide validation of the debt associated with the account number [ Account Number ] that your company is claiming. As per this statute, I am entitled to receive sufficient documentation to verify the legitimacy and accuracy of the debt. Please provide the following : Purchase Agreement A copy of the original assignment contract between the original creditor and your company, showing your right to collect on this debt. Transferof Assignment Documentation showing the chain of assignment from the original creditor to your company, including all entities that have owned or serviced the debt prior to your company. If these two documents, or any other relevant documentation validating this debt, are not included in your files, or if you can not provide them, I request that you delete this account from my credit report immediately. This deletion should be reflected across all major credit bureaus, including XXXX XXXX XXXX XXXX Please provide this information within the 30-day period as stipulated by the Fair Debt Collection Practices Act. If I do not receive the requested documentation within that time frame, I will consider the debt invalid, and I will expect your company to cease reporting this information to the credit bureaus. Thank you for your attention to this matter. I look forward to your prompt response. Sincerely XXXX XXXX
Frequently Asked Questions
What is Complaint #13375139 about?
Complaint #13375139 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-05-06T12:00:00-05:00.
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.