Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18084425
Complaint Overview
Complaint ID: 18084425
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: South Carolina
ZIP Code: 29205
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Jefferson Capital Systems is reporting a XXXX XXXX collection account that is inaccurate, incomplete, and unverified. The account shows missing and inconsistent information, including no original balance, no last payment date, no proof of ownership, and no supporting documentation. I requested validation under FDCPA 809, but Jefferson Capital failed to provide any legally required documents such as an itemized accounting, a copy of the original contract, or proof of assignment. Despite this, they continue reporting the debt, which violates FCRA 602, 603, 611, and 623. The company has not conducted a lawful investigation and has verified the account without providing evidence. I am requesting that CFPB require Jefferson Capital Systems to provide full validation or remove the account entirely from all credit bureaus.
Frequently Asked Questions
What is Complaint #18084425 about?
Complaint #18084425 was filed against Cl Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.