Debt collection -- Attempts to collect debt not owed -- Complaint #15626822
Complaint Overview
Complaint ID: 15626822
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Arizona
ZIP Code: XXXXX
Date Received: 2025-08-30T12:00:00-05:00
Date Sent to Company: 2025-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint regarding inaccurate and unverified information being reported on my credit file. Company : JEFFERSON CAPITAL SYSTEM The original creditor is XXXX. I previously disputed this account because I have never had a contract with this debt collector for any debt. I specifically asked for proof from the original creditor showing that this debt collector owns the debt and has the legal authority to collect on it. Instead of delivering this validation, the bureaus verified the account without furnishing proof. I disagree with the results of their investigation. To this date, I have not received : Documentation from the original creditor verifying the debt, or Proof that JEFFERSON CAPITAL SYSTEM has legal ownership and authority to collect this account. Despite the lack of validation, the account continues to be reported on my credit file by Experian, Equifax, and TransUnion, which is an inaccurate and misleading representation. Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Credit reporting agencies are required to ensure maximum possible accuracy of the information they report. Reporting this unverified collection without documentation fails to meet this standard. 15 U.S.C. 1681i ( a ) : When a consumer disputes an item, the credit reporting agencies are required to conduct a reasonable reinvestigation. My dispute was not properly investigated, as no proof of debt was provided ; yet, the account remains open.
Frequently Asked Questions
What is Complaint #15626822 about?
Complaint #15626822 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-08-30T12:00:00-05:00.
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.