Debt collection -- False statements or representation -- Complaint #14903652
Complaint Overview
Complaint ID: 14903652
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: New York
ZIP Code: 11233
Date Received: 2025-07-26T12:00:00-05:00
Date Sent to Company: 2025-08-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing two negative accounts reporting on my credit file : 1. Jefferson Capital Systems LLC is reporting two separate collection accounts : One opened on XX/XX/XXXXXXXX for {$1000.00} Another opened on XX/XX/XXXX for {$730.00} Last four numbers XXXX These appear to be duplicates or re-aged versions of the same debt, which is not allowed under the Fair Credit Reporting Act ( FCRA ). I did not receive validation notices or a breakdown of the original debts. I submitted a formal written dispute but have not received resolution.
Frequently Asked Questions
What is Complaint #14903652 about?
Complaint #14903652 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-07-26T12:00:00-05:00.
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.