CL HOLDINGS LLC

2019-09-14

Meskegon, MI

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 explanation

Timely Response

2019-09-13

Eight Mile, AL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: After being denied credit, i pulled my credit report. As i reviewed it i noticed several bogus accounts listed. As such i disputed with the three bureaus. The collector verified the debt. I was never sent any notifucation letters or right to dispute communications from them. I therefore sent a dispute letter i. Accordance with my rights under the FDCPA which was ignored. Its been over 60 days and i have had no response. This is not my debt, the have willfully ignored and violated the FDCPA and laws. This continued to hurt my credit and inflict damages to me fininacially as well as my reputation.
Company Response: Closed with non-monetary relief

Timely Response

2019-09-13

Wilmington, DE

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: Earlier this year, I received a call from someone asking if I could verify myself, I refused so they said they were unable to assist me. I then received another call asking me to verify myself again, I then asked them to verify who I was since they were calling me. I was then told that if I do not verify who I am that they are unable to assist me. About month or so later ( I believe XX/XX/2019 ) I noticed a new negative account on my credit report. So, I was never advised that this was an attempt to collect a debt, nor was I advised that I could dispute this debt, nor was I offered any verification of this debt. I still have this debt on my credit report LISTED TWICE FROM TWO DIFFERENT DEBTORS as if there is more than one account in question. However, I have not authorized any chargers nor have I signed any credit agreements for the credit card debt in question.
Company Response: Closed with explanation

Timely Response

2019-09-13

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-13

Jupiter, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: Sent letters no reply re aged the debt from origami creditor
Company Response: Closed with non-monetary relief

Timely Response

2019-09-12

Lewisville, TX

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-09-11

Baton Rouge, LA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Original account with XXXX. Was sold defective equipment ( 3 ) consecutive times. Account was sold to Jefferson Capital. In the past year, Ive attempted to settle this account ( 8 ) times. No emails or phone calls returned. The last two phone calls I stated on the recorded line that I wanted to settle this account and was hung up on. Ive attempted to settle but payment was rejected. I have filed ( 3 ) disputes with XXXX with no assistance. I have no other option on getting this taken care of.
Company Response: Closed with explanation

Timely Response

2019-09-11

Newport, DE

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-09-10

Urb El Pilar, PR

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-10

August F. Haw, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-10

Rock Hall, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-09-10

Saint Clair, MO

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: On XX/XX/XXXX I was contacted by my loan officer due to me trying to purchase a home and was informed that a credit card from XXXX XXXX XXXX XXXX was on my credit report with a balance of {$460.00} that was opened in XX/XX/XXXX and closed XX/XX/XXXX. I contact XX/XX/XXXX and informed them that this is not my debt and need to submit this to the fraud department and ask them where did they send this card. They informed me that they sent the card to my current address ; however I never received this card. I then ask them was there an email address or phone number on file they said no. They informed me the debt had been sold to Jefferson Capital Systems which they are sending me an affadavit report because they said they did not receive any Identity theft report from XXXX XXXX XXXX XXXX which I sent to XXXX and XXXX XXXX XXXX XXXX said they had received on XX/XX/XXXX and electronically sent over to Jefferson Capital. Identity theft report will be attached this information as well. I informed XXXX XXXX XXXX XXXX that they are the original creditors and need to investigate and REPORT THIS AND REMOVE FROM ALL 3 CREDIT REPORTS IMMEDIATELY. I have also called all 3 credit bureaus and reported as FRAUD AND PUT FRAUD ALERTS ON ALL REPORTS AND SENT IDENTITY THEFT REPORTS AS WELL. Please Please have them remove this information the account number is XXXX. Also this account was opened after my Chapter XXXX which I filed in XX/XX/XXXX and they used my maiden name which I have not used since XX/XX/XXXX.
Company Response: Closed with explanation

Timely Response

2019-09-10

Douglas, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Jefferson Capital is a debt purchaser. Initially they had two amounts reporting as delinquent on my credit report from XXXX: $XXXX and $XXXX for the same date. I filed an official dispute; the results said the debt was verified as accurate but that is incorrect. I contacted Jefferson and spoke to XXXX—op #XXXX. She said the $XXXX would automatically be removed but I had to speak to a second operator for the other amount. I spoke to XXXX—op #XXXX. She referred me to Supervisor XXXX XXXX who said the other charge would be removed and updated on my credit report within 30 days. I told him the erroneous charge had prevented me from obtaining a mortgage to purchase a home and I wanted it in writing that the fake debt was removed. I just got an update on my report. Instead of the bogus debt being removed, another late payment has been falsely reported. I was on a payment assistant program through XXXX XXXX for XXXX. The account was reconciled every quarter and I was notified of my portion still owing. I paid the bill and even included a screenshot of my bank account substantiating the payment had been made. I did inform Mr XXXX that I would report the fraudulent charges to the Attorney General if they weren’t promptly removed.
Company Response: Closed with explanation

Timely Response

2019-09-09

Las Vegas, NV

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was not notified about this debt in order to dispute.
Company Response: Closed with explanation

Timely Response

2019-09-09

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

2019-09-08

Cottonwd Hgts, UT

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-09-06

Maynard, MA

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

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

Their investigation did not fix an error on your report
Complaint: I disputed this XXXX account on my credit report with the original creditor and they told me that the account was sold to a company called Jefferson capital systems LLC, and that they were not the ones reporting anything on the account to the credit bureaus. I contacted Jefferson Capital systems LLC and I was told that the account was placed with them but that they werent the ones reporting anything to the credit bureaus either, so I have no idea what is going on, I would like to get this account deleted since any of the two companies arent responsible for reporting it, I received a letter by mail from Jefferson capital systems LLC saying that they are not reporting anything to the credit bureaus and to contact XXXX. I also dont understand why, I called XXXX and they always tell me that Jefferson capital LLC, purchased the debt, then if the debt was purchased by them, they should be able to delete it or at least validated and provide me with the original contract bearing my signature or if there is a contract between me and this company I would like to see it.
Company Response: Closed with explanation

Timely Response

2019-09-05

Duwamish, WA

Written notification about debt

Debt collection: Credit card debt

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

Timely Response

2019-09-05

Smyrna, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Showed up on my credit report XX/XX/2018. O letter or bill was ever sent. Called them asked to send me documents showing what this debt was. Nothing. Disputed with credit bureaus nothing.
Company Response: Closed with explanation

Timely Response

2019-09-05

Bryn Mawr, WA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-09-04

Shulerville, SC

Incorrect information on your report

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

Account status incorrect
Complaint: Hello : I am filing this complaint against Jefferson Capital Systems , LLC. They are a debt collection agency that is reporting on all three of my credit reports ( XXXX, XXXX and XXXX ) and they should not be. I want them to delete their tradeline from all three of my credit reports immediately. This account is closed and should not be reporting anymore. Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX This is a result of an old account with XXXX XXXX and it is closed and old and I think because of Jefferson Capital Systems , LLC it is reporting twice on my credit reports. Please remove this information from my credit reports immediately.
Company Response: Closed with explanation

Timely Response

2019-09-04

Savannah, GA

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 explanation

Timely Response

2019-09-03

Babylon, NY

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-09-01

Key Biscayne, FL

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Due to overwhelmed hardship I can't pay what is owed.
Company Response: Closed with explanation

Timely Response

2019-09-01

Philadelphia, PA

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response