Consumer complaint received 2022-06-28
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed recently that a collection hit my credit report in XX/XX/XXXX for XXXX XXXX  and the amount of {$2300.00} I believe it was. I saw this on my XXXX XXXX reports. There was never any mention that I owe XXXX XXXX any money until Jefferson Capital put it on my credit report. I am curious as to why XXXX XXXX did not do this. Furthermore I am being told that Jefferson Capital owns the collection yet I'm being contacted by XXXX  ( an agency that Jefferson Capital admits to utilizing to collect for Jefferson Capital ). XXXX tells me that they own the account as of XX/XX/XXXX. I was told this by XXXX just several days ago. Doing the same phone conversation where I was badgered and bullied for over 30 minutes for a credit card or bank card after repeatedly stating I have no bank card I have no credit card I have no debit card I have to mail things. I asked for the mailing address several times and took over 15 minutes for the representative XXXX from XXXX to give me a mailing address. The mailing address that I was given is XXXX XXXX XXXX XXXX South Carolina when I looked the address up online it belongs to XXXX XXXX. Directly before making this contact to you I called Jefferson Capital once again I questioned why XXXX would give me an address to mail things to XXXX XXXX  and no one seems to know why nor does anyone at Jefferson Capital seem to care. The address that Jefferson Capital has on file for me as an address I left many many years ago long before the supposed account with XXXX XXXX was opened in XXXX. And Jefferson Capital actually has two addresses for me the one I left and another address that does not exist this is the same address that XXXX has. I am aware to open an account with XXXX XXXX  a government issued ID must be used. It is my belief that someone obtained my social security number or the last four and that they also obtained an invalid address they believe to belong to me. It is not difficult to gain this information almost anyone online. The address and question does not exist it is a blend of two different addresses I have had. These two addresses were blended together by someone and they false address was made. So I'm having issues understanding how I have an account with XXXX XXXX  since XXXX I have never received any communication nor contact from them for a collection I have an issue understanding how Jefferson Capital is the owner of this account yet XXXX claims to have taken it over in XXXX of XXXX when it just hit my credit report in XXXX of XXXX. Also an understanding why it is that I was bullied and badgered and harassed when I asked for an address to mail things to and then finally received an address to mail things to XXXX  XXXX. When I asked Jefferson Capital they don't have an answer and don't seem to want an answer. No one is able to tell me where this account was opened what the phone number attached to it is or anything else at all. When I called Jefferson Capital and I was asked to enter the account number or my social security number I entered my social and the recording stated that nothing was found and asked me to please hold. Also and I would have to look at my bank statement to get the correct date but a representative from Jefferson Capital had said he would help me to place this in dispute and that he needed my credit report from all three agencies he asked me to pay a dollar I did this and then I found that other charges were being taken from the card aside from the dollar I have been told about. On my call to Jefferson Capital moments ago I questioned this and the lady I spoke with the supervisor told me that no one from Jefferson Capital had ever taken my information to file a charge. But honestly it is my belief that I stopped her by speaking when I should have been quiet and that I gave her time to realize that she was in the midst of saying that I had told them that I have no card. I believe my interruption gave her time to catch herself and regroup herself and she changed the sentence to go elsewhere. She also told me that she is not tied to XXXX  lines thru Jefferson Capital I believe this to be a lie simply because the music that plays when you are on hold with Jefferson Capital is the same music that plays when you call you XXXX. I could be wrong but I don't think I am. I want answers and I want removed from my credit was it understood that it was a fraudulent charge I should have never been. I also want the companies involved to answer for the harassment and such

Company response to consumer: Closed with explanation