Debt collection -- False statements or representation -- Complaint #17922441
Complaint Overview
Complaint ID: 17922441
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75154
Date Received: 2025-11-25T12:00:00-05:00
Date Sent to Company: 2025-11-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This complaint is regarding Jefferson Capital Systems and their participation in an unlawful verification of an alleged debt with XXXX during a period when my personal identifying information ( PII ) was incorrect, incomplete, and under active dispute. XXXX received my PII update request on XX/XX/year> and my supplemental identity documents on XX/XX/year>. My PII dispute was still pending and my file contained incorrect identity information at the time Jefferson Capital responded to XXXX. Despite this, XXXX marked Jefferson Capital account XXXX XXXX as verified as accurate on XX/XX/year>. Under FCRA 611 ( a ), a credit bureau may not legally complete a reinvestigation or verify any account when identity information is in dispute or when the file is not matched to the correct consumer. XXXX was not permitted to verify my disputes while my identity was in unresolved status. Jefferson Capital Systems participated in this unlawful reinvestigation by certifying information to XXXX during a period when they could not have accurately matched my identity or verified the alleged debt. I never received any validation from Jefferson Capital under FDCPA 809 ( b ), and they have never provided : the original contract, an itemized accounting, billing history, chain of title, proof they own the debt, or documents used to verify the debt with XXXX. Jefferson Capital is reporting XXXX XXXX data on this account, including improper past due reporting on a collection account and inconsistent or missing DOFD information. This violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX XXXX guidelines. On XX/XX/year>, I sent XXXX a failure to investigate PII notice because they verified multiple accounts while my file was mixed and identity information was incorrect. Jefferson Capital Systems benefitted from and participated in this improper verification process. Jefferson Capital Systems is continuing to report and furnish information they have never validated, using an identity match that was invalid, and participating in an unlawful reinvestigation. I am requesting CFPB investigation into their actions, deletion of the account, and enforcement of federal and state law.
Frequently Asked Questions
What is Complaint #17922441 about?
Complaint #17922441 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-25T12:00:00-05:00.
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.