Debt collection -- False statements or representation -- Complaint #18447744
Complaint Overview
Complaint ID: 18447744
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Texas
ZIP Code: 75052
Date Received: 2026-01-03T12:00:00-05:00
Date Sent to Company: 2026-01-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of a collection account being reported on my consumer credit file by Jefferson Capital Systems , LLC, reflecting an alleged balance of approximately {$310.00}. This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Jefferson Capital Systems , LLC is not the original creditor. To date, no competent evidence has been produced demonstrating : The existence of a valid, enforceable consumer obligation Lawful ownership of the alleged debt A complete and unbroken chain of title from the original creditor to Jefferson Capital Systems , LLC A full itemized accounting of the amount being reported
Frequently Asked Questions
What is Complaint #18447744 about?
Complaint #18447744 was filed against Cl Holdings LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2026-01-03T12:00:00-05:00.
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.