Debt collection -- Attempts to collect debt not owed -- Complaint #18004067
Complaint Overview
Complaint ID: 18004067
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77084
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In response to the collection attempt, I requested full validation of the alleged XXXX loan, including the original signed agreement, the complete payment history, and the chain of title showing every transfer of ownership of the debt as required under the FDCPA. The company only provided a copy of the contract and a partial payment history, but they failed to provide the chain of title or any documentation proving that Jefferson Capital legally owns or has the right to collect this debt. Despite not providing complete validation, they accessed and used my personal credit information without a permissible purpose and proceeded to file a lawsuit against me. I am requesting an investigation because the company did not fully validate the debt and obtained my information without proper authorization.
Frequently Asked Questions
What is Complaint #18004067 about?
Complaint #18004067 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
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.