Debt collection -- Attempts to collect debt not owed -- Complaint #17874279
Complaint Overview
Complaint ID: 17874279
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: Georgia
ZIP Code: 30045
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute of Debt and Garnishment Identity Theft Case * * FTC Report Number : XXXX XXXX XXXX I am writing to formally dispute the debt and garnishment claim currently associated with my name. This debt is the result of identity theft, and I do not owe any amount to Jefferson Capital Systems. On XX/XX/year> I filed an * * Identity Theft Report * * with the Federal Trade Commission ( FTC ), report number XXXX XXXX XXXX XXXX XXXX and notified your office of this matter. Despite this, I have been informed that Jefferson Capital Systems is continuing with garnishment proceedings against me. Under the * * Fair Debt Collection Practices Act ( FDCPA ) * * and the * * Fair Credit Reporting Act ( FCRA ) * *, you are required to cease all collection activities, including garnishment, on accounts that are the result of identity theft. Continuing to pursue this debt violates federal law. Enclosed are the following documents for your review : * Copy of FTC Identity Theft Report * \ [ Police Report, if available ] * Proof of identity I demand that Jefferson Capital Systems : XXXX. Immediately stop all garnishment actions. XXXX. Provide written confirmation that this account has been closed and reported as fraudulent. XXXX. Remove any negative reporting related to this account from all credit bureaus. Failure to comply will result in further action, including complaints to the * * Consumer Financial Protection Bureau ( CFPB ) * * and potential legal remedies. Please confirm receipt of this letter and provide a written response within XXXX XXXX XXXX days XXXX XXXX as required by law. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #17874279 about?
Complaint #17874279 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-24T12:00:00-05:00.
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.