Debt collection -- Attempts to collect debt not owed -- Complaint #18209000
Complaint Overview
Complaint ID: 18209000
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Kansas
ZIP Code: 67213
Date Received: 2025-12-21T12:00:00-05:00
Date Sent to Company: 2025-12-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
CEASE AND DESIST COMMUNICATION LETTER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Via Certified Mail, Return Receipt Requested Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Demand to Cease and Desist Communication Account No. [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, This letter is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), requiring you to CEASE AND DESIST ALL FURTHER COMMUNICATION with me concerning the debt referenced below. Original Creditor : XXXX Jefferson Capital Systems Account No. : XXXX JCS Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Debt Amount : {$140000.00} You recently sent me a letter, dated XX/XX/2025, which acknowledged my dispute and stated that you would cease collection activity and request that the consumer reporting agencies delete this account. This letter serves to formally reinforce that action and require the following : IMMEDIATE CESSATION OF ALL CONTACT : I demand that you immediately cease and desist all direct or indirect communication with me, my family, or my employer regarding the above-referenced account, including but not limited to, telephone calls, mail, email, and text messages. CREDIT REPORTING DELETION : I demand that you follow through immediately on your commitment to request deletion of this account from all consumer credit reporting agencies XXXX XXXX XXXX XXXX XXXX ) and provide written confirmation to me when this deletion has been completed. NO CONTACT EXCEPT AS ALLOWED BY LAW : You may only contact me one last time to advise me that collection efforts are being terminated or that you intend to pursue a specific legal remedy, as explicitly permitted under 15 U.S.C. 1692c ( c ). Be advised that any violation of this cease and desist demand will be reported immediately to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Attorney General of my state. I expect full and immediate compliance with this notice. Sincerely, XXXX XXXX XXXX XXXX Instructions for Sending Print and Sign : Print the letter and sign it. Make Copies : Keep XXXX signed copy for your records. Copy the entire package, including the original letter from Jefferson Capital ( XXXX ), as evidence. Mail Certified : Go to the post office and send the letter via Certified Mail with " Return Receipt Requested. '' This service provides you with a mailing receipt and a green card signed by the recipient, which is your legal proof that they received your demand and the date they received it. Save Everything : File the mailing receipt and the green Return Receipt card with your copy of the letter.
Frequently Asked Questions
What is Complaint #18209000 about?
Complaint #18209000 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-12-21T12:00:00-05:00.
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.