Consumer complaint received 2017-08-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
C/C TO C.F.P.B. In the court case referred to above, the Federal Trade Commission alleged that Jefferson Capital Systems , LLC violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45 ( a ).
( See Federal Trade Commission v. XXXX XXXX and Jefferson Capital Systems , LLC, Case XXXX XXXX. Ga. , 2008. ) Is it conceivable you could get your company to remove this unlawful, and illegal stain off my credit report concerning account number? In nearly 50 plus years dealing with any companies, I have never been so victimized and wronged so severely about an account that is not mine. I have left several messages with no responses from your employees. I have told your company this is not my account, and I dont have a clue where this originated from.
I have sent them a police report to substantiated I had identity theft, and this is not my account. I need to hear from you to make an informed decision about your claim that I owe this money. I am extremely distraught that your companys defilement of another Veteran credit report. I am open to communicating with you for this purpose, only! In order to make sure that I am not put at any disadvantage, in the interim, please consider this debt as being in dispute, not mine, and under dialogue amongst us. The federal Fair Debt Collection Practices Act ( FDCPA ) offers consumers protection in contradiction of excessively antagonistic debt collection actions by collection agencies like yours. Your company has violated federal law in its dealings with me. Your company has forced me to report your company to our government agencies, and I have given them revelations to your violations, and using unfair, and the illegal credit bureau reporting tactic regarding a debt that doesnt belong to me, sadly. I do not appreciate your process, and the way your company trying to strong arm me by implementing a deceptively with your quixotically unlawful assault on my character. The last time I talked to your company an employee made a racist statement stating, You people never pay your bills! Really? This is very disrespectful, and a direct degradation of my personality with unwarranted racist undertones expended by this individual. I do not comprehend this, or grasp this on any level. I have never ever been talked to, or talked down to like this in my entire life, and I was reared doing the Civil Right Movements. This is a sneaky way to justify your company qualification without concrete evidence, and using deprived services ; I am writing today to complain of the unprofessional service I received in this un-forgetful process. I only wanted to get a V.A. Loan after I sacrificed my life for this country with honorably behavior. I will make sure every V.A. Associations aware of your company unprofessional and racist ways, and I am prepared to inform folks about your company on all social media sites. I just now researched this company, and you all are notorious for lowballing customers, using derogatory, and racist languages to XXXX. XXXX XXXX is XXXX and gone ; however, the ghost of XXXX XXXX is alive and well. Currently, I have to deal with his nephew and niece, XXXX XXXX XXXX XXXX, XXXX. I would welcome the opportunity to discuss matters further and to learn of how you propose to prevent a similar situation from recurring. I eagerly await hearing from you.

Company response to consumer: Closed with explanation