CL HOLDINGS LLC

2018-04-01

MA

Took or threatened to take negative or legal action

Debt collection: Other debt

Collected or attempted to collect exempt funds
Complaint: I Paid What I Owe Them. but They Did Not Remove IT From My Credit Report.
Company Response: Closed with explanation

Timely Response

2018-03-30

Biggs Park, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I contacted and got no results. I mailed them a letter and asked to show proof of this account. They could not show proof I asked them to remove
Company Response: Closed with non-monetary relief

Timely Response

2018-03-29

Dayton, OH

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This derogatory information is reporting on my bureau and this company i have never heard of, never done any business with them and i previously disputed this information under a different company name and it is reappearing as a new trade line under a different company name. I do not do business with XXXX and have no clue why i am repeatedly disputing erroneous information on my credit reports. Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Closed with non-monetary relief

Timely Response

2018-03-29

Oakland, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: I am a victim of victim of identity theft and fraud. The account below was opened as a result a fraudulent account opened without my knowledge or authorization. I did not open this account. I have in no way benefited from the account, neither did I authorize the use of my personal information. I am not able to identify a suspect. I have attached a copy of my ID to prove this. I have filed a ID Theft report and reported the matter to the authorities. I disputed this matter to this company on XX/XX/XXXX, and attached all the needed documents to verify my claim but to my surprise the company still reports this account which was fraudulently opened : JEFFERSON CAPITAL SYSTEM XXXX # XXXX
Company Response: Closed with explanation

Timely Response

2018-03-27

Clyattville, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-26

Rancho California, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-03-26

PA

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt was result of identity theft
Complaint: My grandmother, XXXX XXXX XXXX, ( deceased XX/XX/14 ) took out additional student loans in my name through, what I can only assume, was a forging of my signature. I was never aware or informed of these loans that are currently in collections with XXXX XXXX XXXX and only just saw them on my credit reports when applying for a home loan this past winter. I have contacted XXXX XXXX ( the original debtor ) to no avail and have also attempted to contact XXXX XXXX XXXX but do not have account numbers or my grandmothers SSN and can not prove I have access to these accounts as I have never received written acknowledgement of these debts.
Company Response: Closed with explanation

Timely Response

2018-03-26

Decatur, IL

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

2018-03-25

Saint Louis, MO

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

2018-03-25

Cypress, 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

2018-03-23

Houston, TX

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with non-monetary relief

Timely Response

2018-03-23

Atlanta, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Account opened- XX/XX/2017 Date noticed debt- XX/XX/2017 Actions Taken- FILED DISPUTE WITH COLLECTION AGENCY Amounts- {$580.00} {$1000.00}
Company Response: Closed with non-monetary relief

Timely Response

2018-03-23

Austin, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Company Response: Closed with non-monetary relief

Timely Response

2018-03-22

Jonesboro, GA

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: This debt collector XXXX XXXX XXXX, XXXX keep harassing me by telephone every other day by having different people to call me about a XXXX bill that was not settled back in XX/XX/2012. I inform the creditor then that I was not responsible for them given an authorization regarding this account to another person, therefore I could not afford to pay the debt then or now. I am XXXX years old XXXX on a fixed income. I barely can pay my rent, buy my meds and food with what I have in income. I could not possibly give them over a thousand dollars not ever. But these different people from XXXX keep calling asking personal questions, refuse to stop calling me after I tell them not too! It is harassment ; disrespectful and it upsets me with my current medical condition. I have ask them to stop and have blocked their number, but somehow they keep calling and even have tried to send me mail. I will not respond to their threats and offers of solutions because I can not afford to pay for someone else 's mistake on this very old account with XXXX.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-22

Lagrange, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with non-monetary relief

Timely Response

2018-03-22

Concord, NC

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-22

TN

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: My sister was living with me at XXXX XXXX XXXX XXXX TN XXXX. She calle XXXX XXXX to purchase cell phone for my nephews she gave them my address and they pulled up my name with this address. The service was supposed to be her her name. XXXX put this purchase in my name. I didn't realize this till six months later.I explained this was her bill she was responsible for it she told them this as well to no avail. I have been disputing this since XX/XX/XXXX on my credit report. I was removed form credit report in XX/XX/XXXX then it was placed back on there with XX/XX/XXXX as date account was opened. This is a fraudulent date. This is a fraudulent way to conduct business and this has plagued my credit since XX/XX/XXXX. XXXX XXXX XXXX has this collection now the amount is {$1100.00} the account is XXXX. I would like this fraudulent purchase that I did not initiate and have been disputing since I found out about it Removed once and for all off my credit!!!
Company Response: Closed with non-monetary relief

Timely Response

2018-03-19

Orlando, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-03-19

Rochester, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: This account was never billed to my address, I have never used this service, XXXX XXXX never proved that I own this account. I have never received a statement or a bill for this account at my home address. I have never received one document from XXXX XXXX asking for payment for the aforementioned account and I tried to dispute with no avail. I demand this removed from my credit report as there is no proof this is my account
Company Response: Closed with non-monetary relief

Timely Response

2018-03-18

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I disputed the XXXX XXXX XXXX collection account in XXXX of XXXX as " Does not Belong to Me '' with the CRA 's. They started reporting in XX/XX/XXXX, years after the original creditor, XXXX XXXX, has resolved my CMRRR dispute and removed the debt that resulted from my identity being compromised. XXXX had stopped reporting, then years later XXXX XXXX XXXX showed up on my report. XXXX XXXX XXXX failed to respond to my initial dispute so on XX/XX/XXXX I sent them a letter enclosed a copy of an FTC Identity Theft Report, a police report, and proof of identity requesting they delete the account and provide me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit file. I still have not received any response, other than the account being reported as accurate with the CRA 's.
Company Response: Closed with explanation

Timely Response

2018-03-15

Ritter, SC

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

2018-03-15

Bremen, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: XXXX sold my account to XXXX XXXX after I started making payments to XXXX directly last month. XXXX XXXX has made no effort to send me any notices or information via mail, though they claim they've sent 3. They also have made no attempt to contact me via phone directly. They contacted a family member asking for me, when they should have no way of even having this family member 's phone number in connection with me. XXXX should have my phone number, so there is no excuse why they didn't call me first, or how they got my family member 's number or why they called them first.
Company Response: Closed with non-monetary relief

Timely Response

2018-03-15

Trenton, TN

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2018-03-14

Murray, UT

Took or threatened to take negative or legal action

Debt collection: Credit card debt

Sued you without properly notifying you of lawsuit
Complaint: My wages are currently being garnished for a debt that is past the time-barred statute of limitations for it's being collected using these means. I was not served documents or paperwork stating that there would be a court date or hearing, I was unaware of the court proceedings and could not make my defense about this at the time. The original debt was for a revolving credit card and the limitations for that are 4 years in the state that I live in. The current amount being collected is {$6000.00} and the garnishment has been awarded to them for the full 25 % allowed deduction from my salary. The last date that there was any transaction with the account was in XX/XX/XXXX, that was a garnishment as well. The account went to collections in XXXX. The original debt was for a credit card that had a {$1700.00} limit, the interest rate they're charging is at 23 % and I'm overwhelmed by the nature of both the abrupt garnishment and the inescapably large amount of money that this company is attempting to take from me.
Company Response: Closed with explanation

Timely Response

2018-03-14

Chestnut, NJ

Written notification about debt

Debt collection: I do not know

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response