CL HOLDINGS LLC

2018-09-08

Encino, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2018-09-08

Youngstown, OH

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: I was called and I told them how I recieve no income and they said to me I had option to pay to take away debt after me telling them I was a XXXX vet and on my credit report it shows how the account is closed however I have an email from 2018 where it js from XXXX XXXX asking me to pay off the debt and they will not take it off of my credit without ever showing me proof from anywhere that i owe it. On my credit report XXXX. States thats an attorney has been assigned to this account and it is closed but yet I have recieved a call and after a couple disputes with them knowing they can not sue me they added more verbage such as seriously and very bad assigned to attorney after I made two attempts for then to please take it off of my credit
Company Response: Closed with non-monetary relief

Timely Response

2018-09-07

Alta Loma, CA

Written notification about debt

Debt collection: Credit card debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with non-monetary relief

Timely Response

2018-09-07

Bee Spring, KY

Struggling to pay your loan

Vehicle loan or lease: Loan

Loan balance remaining after the vehicle is repossessed and sold
Complaint: ( 1 ) On XX/XX/XXXX I purchased a car and got a loan through XXXX XXXX XXXX XXXX ( XXXX ). ( 2 ) On XX/XX/XXXX I voluntarily surrendered this car to the lender, however, it took XXXX four months to pick up the car after I offered to turn the car in to them. I'm sure they were adding interest and late fees during this additional four month delay. ( 3 ) XXXX was required to send specific notices to me, under state law, which I never received. ( These notices are itemized in a letter I sent to XXXX on XX/XX/XXXX ). I never received any documentation as to the amount the car was sold for, how much was credited towards my loan or any details on the exact amount of the loan that was still due. ( 4 ) On XX/XX/XXXX an Order of Dismissal was issued by a Kentucky Court on the referenced loan. This is the first time I was notified that XXXX had taken legal action against me in the first place. ( 5 ) On XX/XX/XXXX I met with a military financial counselor who helped me prepare a letter to send to XXXX. I mailed the letter USPS certified return receipt and never received a response. The letter is attached ( item 5 ). ( 6 ) After no response from XXXX, I pulled my credit report and noticed that XXXX XXXX out of XXXX XXXX, MN is now collecting on this car loan. I have not received any notification from XXXX XXXX. ( 7 ) On XX/XX/XXXX the military financial counselor helped me prepare a letter to send to XXXX XXXX to request validation as to their claims. 30 days have past and I have had no response from XXXX XXXX. This letter was mailed USPS and I have proof of delivery ( attached item 6 ) ( 8 ) Today I am sending a second letter to XXXX XXXX ( attached item 7 ). ( 9 ) Proof of USPS delivery is attached as item 8.
Company Response: Closed with explanation

Timely Response

2018-09-06

Arvada, CO

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: I FOUND AN ACCOUNT ON MY CREDIT REPORT FOR {$2800.00} WITH XXXX XXXX XXXX. I CALLED THEM AND THEY DONT HAVE THE DEBT AT ALL BUT IS STILL REPORTING TO MY CBR. I TALKED TO A LADY NAMED XXXX WHO WORKS FOR XXXX XXXX WHO SUPPOSEDLY HAS THE DEBT. SHE GAVE ME THE NUMBER FOR XXXX XXXX WHO ACTUALLY NOW HAS THE DEBT. THE DEBT IS FROM XX/XX/2013 WITH 5 YRS INTEREST ON IT. THE REP I TALKED TO HAD NO IDEA WHAT THE PRINCIPLE BALANCE WAS ON THE ACCOUNT AND OFFERED ME A DISCOUNT OF 50 %. I REFUSED BECAUSE I KNOW THE ORIG BILL WAS NOWHERE NEAR THAT HIGH. SHE THEN SAID SHE COULD GET IT DOWN TO XXXX SPLIT IN 2 PAYMENTS. THIS IS DAMAGING TO MY CREDIT AND NEEDS TO BE REMOVED AS THE INFO IS INACCURATE AND THEY CANT EVEN VERIFY THE ORIGIONAL BALANCE AND ANOTHER COMPANY IS ACTUALLY REPORTING IT.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-05

Gastonia, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have contacted both XXXX XXXX and XXXX in regards to a negative account being reported in my credit files. I received a letter from XXXX dated XX/XX/2018 stating the account was sold to XXXX XXXX. Prior to this date, I received a letter from XXXX XXXX stating they provided verification of the debt, this is untrue. The information received did not have my signature therefore that is not validation. In addition, the letter stated that my credit reporting dispute is with XXXX XXXX XXXX. I am requesting for this account to be removed from all 3 credit bureaus, as neither company has provided me with validation that proves this is indeed my account. **Both letters are attached **
Company Response: Closed with explanation

Timely Response

2018-09-05

Mill Creek, IN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: this debt was paid off in duress to XXXX XXXX in XX/XX/2016. I did not owe a bill. the tablet that was ordered on my account was not ordered by me. I sent it directly back without even opening the product and was still charged. all services were cancelled with nothing to be used and still double charged. I paid to keep it out of collections and yet still it is in collections. this company has been a complete headache and refuse to render any assistance.
Company Response: Closed with non-monetary relief

Timely Response

2018-09-05

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! XX/XX/18 - XXXX XXXX XXXX XXXX - {$1600.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-09-05

E Palo Alto, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-09-04

TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: XXXX XXXX XXXX is correspondence and claiming that I owe for an account for XXXX XXXX and XXXX XXXX XXXX not owed.
Company Response: Closed with explanation

Timely Response

2018-09-03

IA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: XXXX XXXX XXXX, Added an account that has been handled through my Chapter XXXX Bankruptcy, but yet they ave listed this account with all 3 credit agencies as open. This debt is included in my chapter XXXX bankruptcy, it s illegal to list any debt that is included in a chapter XXXX, and list on a creditors file as open. I tried to handle this repeatedly through the 3 credit bureaus and they refuse to verify through my attorney and court.
Company Response: Closed with explanation

Timely Response

2018-08-31

Kingstree, SC

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Complaint: XXXX XXXX is repeatedly robo calling a number that they were not given and were not authorized to use. I have no idea what they are calling about but my mother in law, whose phone number I dont even have, states that this bill collector calls her everyday several times a day into the night even after they have been told that I do not live there. Apparently this company uses search engines like XXXX to locate relatives. Again, I do not know what debt this company is trying to collect and I do not care, but they will not continue to harass relatives that they have not been authorized to contact without immediate and significant legal consequences!
Company Response: Closed with explanation

Timely Response

2018-08-31

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Back in XX/XX/XXXX /XX/XX/XXXX i sent out a letter to XXXX XXXX XXXX XXXXequesting for Validation of this debt that is reporting on my credit report. The company XXXX XXXX XXXX, which i hold no contract/no hand signed contract with nor have received services from, reported a collection account against my social security number in the total amount of {$780.00} with XXXX, XXXX, and XXXX credit reporting Bureau. I have requested verification of the debt and account, however the business failed to provide adequate proof. Considering that XXXX XXXX XXXX does not have a contract with me for goods or services they have provided nor have they provided adequate proof, I am not obligated to pay for the alleged debt.
Company Response: Closed with explanation

Timely Response

2018-08-30

CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Company Response: Closed with explanation

Timely Response

2018-08-29

South Florida, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: That account appear on my credit report XX/XX/2018, I am not aware of that account.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-29

Gretna, LA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2018 I sent a certified letter to XXXX XXXX XXXX requesting that they validate NOT verify a debt they are attempting to collect from me. I asked for a signed agreement and other supporting documentation. They provided me with billing statements which does not prove that I'm obligated to pay them anything. They have reported delinquent information to the credit bureaus that I'm asking to be deleted from the credit bureaus.
Company Response: Closed with explanation

Timely Response

2018-08-28

Itasca, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Complaint: An account was opened in my name with XXXX XXXX. I contacted the and they had no information. XXXX XXXX purchased the debt and is now reporting in my credit. It is 7.5 years ago. It was taken of my credit because it wasnt mine and also was passed the 7 years.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

Kendall, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

Mville, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

Sebring, FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have submitted a dispute on XXXX XXXX to this company about this debt. They have completely wrong dates on the account. I have asked for the original contract for the debt. I have never been notified by this company until I saw it on my credit and called them. All that call did was made them change the date on my credit report for no reason. The dates are wrong and everything else about this account is wrong. I was also never notified about the debt. They have never made the attempt to show me what the original debt was or for what.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-28

Chesapeake, VA

Threatened to contact someone or share information improperly

Debt collection: Auto debt

Talked to a third-party about your debt
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Cottonwd Hgts, UT

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-08-27

Lk Buena Vis, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: XXXX XXXX XXXX is listed on my credit for {$1600.00} for a XXXX XXXX account. Back in 2013 I was a victim of identity theft. I have called and wrote numerous letter stating this account was opened without my permission, asking for assistance on how I can get this removed. My identity was stolen back in 2013, and this account was opened. I have sent validation letters, good will letters and also I sent in my police report to this company with a response to nothing. This company has called me several times about the debt as well.
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Ft Myers, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I was contacted in I believe XX/XX/XXXX from XXXX XXXX or I may have noticed it on my credit report, I promptly contacted XXXX and had to fill out a Fraud Packet and file a police report. This was removed from my credit. The account was opened in XXXX Florida and they would not even tell me the type of credit it was I assume cable or wireless due to it being XXXX. Fast forward to XX/XX/XXXX and I am then contacted by a credit agency and once again dispute the validity of the debt. It was once again removed from credit. I wake up this Sunday morning and once again it has been added to my credit from a new credit agency. Not only are they reporting this account but have the account as being opened in XX/XX/XXXX when in fact I called and spoke with a customer Service rep at XXXX XXXX they told me it was the same XX/XX/XXXX account. How many times can this be sold out of different companies to ruin my credit? I have credit protection and fraud alerts everywhere and it doesn't seem to matter. And this last agency never even contacted me prior to adding this to my report and specifically in the disclaimer told me they would sue me. How do I stop this nightmare?
Company Response: Closed with non-monetary relief

Timely Response

2018-08-27

Church Point, LA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: XXXX XXXX and XXXX XXXX are both trying to collect on a debt I do not owe on XXXX. Not only is this debt not mine, They are in clear violation of the FCRA for DOUBLE REPORTING.
Company Response: Closed with non-monetary relief

Timely Response