Consumer complaint received 2022-12-19
Company: CL Holdings LLC
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX ; Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ; Phone Number : ( XXXX ) XXXX is a fraudulent company. They have picked up XXXX of my accounts from INCREDIBLY old debts, ( too old, closed & falling off of my credit report ). They post them with false dates claiming the accounts are less than XXXX years old! They have dragged my credit so far down, after I spent years rebuilding it!! I have reported them to the three major credit Bureaus for review several times but never had any luck with that method. Not to mention, if I didn't actively monitor my credit, I would not have even known about them because they NEVER called me, NEVER sent a letter in the mail or anything!! They are liars, who hide essential information & they are destroying all my hard work to repair & rebuild my credit for both my family 's future & my business!! First One, currently dragging my credit down, ( fraudulently ), is from the original creditor : XXXX XXXX XXXX. I opened an account with them on XX/XX/XXXX. This is also on my credit report but as " Closed '' with a {$0.00} balance as of, XXXX XXXX, XXXX. Years later, XX/XX/XXXX, Jefferson Capital System suddenly appears on my credit report. Claiming the account was opened with them on XX/XX/XXXX. They also update it every month, falsely claiming I have failed to make agreed payments with them since XXXX! They NEVER even contacted me, EVER, in any way. Yet they have the most recent update on, XX/XX/XXXX, with a balance of {$2500.00} & these negative remarks, ( alongside the alleged 5 years of failed payments ), " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department ''!! I'm furious!! SECOND ONE, same company, JEFFERSON CAPITAL SYSTEMS, same fraudulant dates & NO ATTEMPTS to contact me by phone, mail & XXXX other means. The XXXX creditor : XXXX XXXX, claimed to be opened on XX/XX/XXXX, most recent update on, XX/XX/XXXX, with an alleged balance of {$1400.00}. Same deal with the negative comments stated as, " Seriously past due date/ assigned to attorney, collection agency, or credit grantor 's internal collection department '' but with 3 years of non payment. ALSO, IT APPEARDED RANDOMLY ON MY CREDIT REPORT THE EXACT SAME DAY AS THE PREVIOUSLY MENTCHIONED ONE!!! ( XX/XX/XXXX ) This account is even more baffling to me as I have no account from XXXX XXXX, I was on someone else 's plan YEARS ago, but XXXX never even tried to attach the account to my credit & as far as I know, it was paid in full due to a promotion to switch carriers from XXXX to XXXX back in XXXX I believe? ( Not 100 % on that date, as it wasn't in my name & I don't have anything to officially look back on to find the exact date. Regardless, in both cases, Jefferson Capital Systems never tried to reach out to me, therefore, I never made any agreements to pay them anything, the dates & payment histories, etc. are all wrong. I owe them NOTHING. Just as I owe XXXX XXXX & the account, I had with XXXX is over XXXX XXXX XXXX & had been closed for years before Jefferson Capital Systems appeared on my report, ( oddly both, XX/XX/XXXX ... after my information got leaked from two different companies. )

Company response to consumer: Closed with explanation