CL HOLDINGS LLC

2018-04-12

Rollingstone, MN

Incorrect information on your report

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

Account information incorrect
Complaint: Collection company for XXXX ( XXXX XXXX ) has attempted to re-age the debt in question. Upon finding information on my credit report listing the above named creditor the date for the account is listed as XX/XX/XXXX when in fact the account was delinquent as of XX/XX/XXXX. I called XXXX XXXX at which point they told me the information is reporting correctly saying that if it was reported by first delinquency ( following the law ) it would be before they obtained the debt.
Company Response: Closed with explanation

Timely Response

2018-04-12

La Tijera, CA

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

2018-04-12

Medina, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had paid an account in XX/XX/XXXX with XXXX XXXX XXXX and it has been removed from my credit report. Company did NOT verify my identity and went right into talking about personal information of the debt when I could have told them I was who they were looking for but it was, in fact, not. I have advised them in XX/XX/XXXX not to contact me and to cease and desist communication but had received a call on XX/XX/XXXX at XXXX EST.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-11

NY

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: The collection agency for XXXX is XXXX XXXX XXXX. XXXX does business by sending catalogs to peoples home that is linked to people Old account I had call them to tell them stop sending catalogs I am not I tersted. Recently they send me a bill I call them to tell them I did not make any purchases they keep insisting that I did. I use to buy their products 35 years ago and I paid back all the money I owed.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-11

Detroit, MI

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-11

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-11

FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Company Response: Closed with non-monetary relief

Timely Response

2018-04-10

Fort Worth, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-10

Des Moines, IA

Incorrect information on your report

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

Information belongs to someone else
Complaint: 1 ) These accounts, opened in XX/XX/XXXX and XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thru XX/XX/XXXX timeframe. 2 ) The address provided to and reported by XXXX XXXX is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 3 ) XXXX XXXX and XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX and XXXX XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 4 ) This is the third account listed by a wireless company within the same time period. It is illogical that any legitimate account would have been opened with three wireless carriers by one individual in close succession unless illegal activity was involved. It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-10

Vernon Hill, VA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with non-monetary relief

Timely Response

2018-04-09

Clayworks, IA

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-04-09

Carolina, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with non-monetary relief

Timely Response

2018-04-09

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2018-04-08

Marquette Heights, IL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-04-08

Salem, OR

Problem with a credit reporting company's investigation into an existing problem

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

Was not notified of investigation status or results
Company Response: Closed with explanation

Timely Response

2018-04-08

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Got a letter stating i owed a cell bill. I contacted XXXX and notified them i did not own this phone and this was part of ID theft. A short time later I received yet another bill from XXXX. I contacted them yet again to let them know that this was a fraudulent account. They ( XXXX ) told me i would have to obtain a police report which I did. Detective XXXX XXXX from the XXXX TN Police Dept., sent XXXX the copy of the police report. Sometime after that the fraudulent account was handed over to a collection agency in my name and put on my credit report. I have been fighting this going on several years now with no resolution to this matter. 4 years later I am still actively trying to get this removed from my credit report.
Company Response: Closed with non-monetary relief

Untimely Response

2018-04-07

Kansas City, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Closed with non-monetary relief

Timely Response

2018-04-06

Augusta, GA

Problem with a credit reporting company's investigation into an existing problem

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

Investigation took more than 30 days
Company Response: Closed with explanation

Timely Response

2018-04-06

Simi Valley, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: According to XXXX, inXX/XX/XXXX XXXX XXXX XXXX purchased a dept from XXXX XXXX in my name. I have attempted to contact XXXX XXXX a number of times over the phone. The last being on XX/XX/XXXX at XXXX. I have tried to explain to them that this is incorrectly reported. I had closed my account with XXXX in XX/XX/XXXXowing nothing in monthly service charges. I have attached a receipt showing the device I had purchased was returned to XXXX XXXX XXXX XXXX continues to deny my requests for proof that the dept is accurate. I have asked for them to validate the dept and was told they could only send me a bill.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-04

MA

Written notification about debt

Debt collection: Auto debt

Didn't receive enough information to verify debt
Complaint: I had an auto loan through an auto finance company back in XXXX. In XXXX without my knowledge they sold my car loan to a debt collection agency. They also sent a company to try and repossess my vehicle, and they did and I was not even behind in payments. I had to pay {$60.00} to go get my vehicle back for the mistake they made. All of this with no paperwork and no proof that I owed this debt collecting company anything. I have been paying this company for four years now and called in XX/XX/XXXX to find out how much I owed and they said I still had to pay until end of XXXX. I in turn sent a letter notarized to them which they received on XX/XX/XXXX and they had 30 days to respond with any billing statements. I wanted an audit of my account. I have heard nothing from the debt collection agency since then. They keep transferring me to different departments and do not give me an answer. I have my paperwork from the original finance company and I was supposed to be done with my payments early this year. I would like to get the title to my vehicle as soon as I can. I am afraid this company will try and take more money from me. Please help me with this situation.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-04

Sanford, NC

Written notification about debt

Debt collection: I do not know

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

Timely Response

2018-04-04

Wichita, KS

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have contacted them by telephone and submitted several times of disputes on credit report exsplain I was a victim of idienty theft before the hard inquiry was removed from my credit report but the collection still remains and the XXXX XXXX is a debt collector agency and has not yet contact me with
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX XXXX XXXX XXXX. is attempting to damage credit and collect debt purchased from unknown account. This company is not registered with Ohio Secretary of State to collect in Ohio where I live.
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

Kalamazoo, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I contacted XXXX XXXX XXXX and told them I was a victim of identity theft and I did not open a account with XXXX I was rerouted to XXXX and XXXX told me I dont have any accounts with them and my account balance is {$0.00} I contacted XXXX XXXX XXXX again and reported this information and was told they bought my account from XXXX. I have no open account with XXXX and I have never signed any contracts with XXXX XXXX XXXX and I do not owe them any money
Company Response: Closed with non-monetary relief

Timely Response

2018-04-03

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!! XXXX XXXX ACCOUNT # XXXX
Company Response: Closed with non-monetary relief

Timely Response