Debt collection -- False statements or representation -- Complaint #15772131
Complaint Overview
Complaint ID: 15772131
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: Texas
ZIP Code: 78537
Date Received: 2025-09-06T12:00:00-05:00
Date Sent to Company: 2025-09-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XX/XX/2025 Verification of Debt Request JEFFERSON CAPITAL SYST XXXX XXXX XXXX XXXX XXXX, MN XXXX Re : Debt Validation Request Dear JEFFERSON CAPITAL SYST, I am writing to formally request validation of the debt referenced in your communication, dated XX/XX/2025. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of this debt within XXXX days of receiving your initial contact. I am requesting that you provide the following information : The amount of the debt. The name of the original creditor. Verification that the debt belongs to me. A copy of the original signed contract or agreement between myself and the original creditor ( if applicable ). A detailed breakdown of any interest, fees, or charges added to the original debt amount. Proof that you are authorized to collect the debt in my state ( if applicable ). Please provide these documents in writing. Until you provide proper validation, I request that you cease all collection activities on this debt, including phone calls, emails, or reporting to credit bureaus. If you are unable to provide this validation, I ask that you immediately stop any further attempts to collect this debt and remove any negative information related to this debt from my credit report. I look forward to receiving the requested validation and resolving this matter promptly. Thank you for your attention to this matter. Please contact me in writing at the address listed above if you need further information. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #15772131 about?
Complaint #15772131 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-09-06T12:00:00-05:00.
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.