Debt collection -- Attempts to collect debt not owed -- Complaint #15566666
Complaint Overview
Complaint ID: 15566666
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33547
Date Received: 2025-08-27T12:00:00-05:00
Date Sent to Company: 2025-08-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Jefferson Capital Systems is attempting to collect on account number XXXX, which is the result of identity theft. When I contacted the company directly, they could not locate any account under my Social Security number or correct address. The only accurate information tied to this account was my name and date of birth, while the rest of the information, including a fraudulent phone number, does not belong to me. Despite acknowledging that they could not verify the account with my personal information, Jefferson Capital Systems continues to report this account to the credit bureaus and pursue collection. This is inaccurate, misleading, and causing harm to my credit. This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require debt collectors and furnishers to ensure the accuracy of information and cease reporting debts resulting from identity theft.
Frequently Asked Questions
What is Complaint #15566666 about?
Complaint #15566666 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-08-27T12:00:00-05:00.
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.