Consumer complaint received 2024-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (SC)

There are 10 collections agents reporting on all 3credit reporting agencies. All of these accounts have been charged off. I have made numerous complaints through XXXX XXXX XXXX that I do not know who these collections agents are. The credit report lists all of them as the original creditor. This is false information. They are not the original creditor. These collection agents bought these debts for pennies on the dollar. I have requested from disputes that I have reported to provide me in writing proof that I agreed to the account in writing as well as a receipt for every charge on these accounts with my signature agreeing to the purchase. To date I have not received any documentation from any of these collections ' agents. I have already reported 1 fraudulent credit card that was opened against my knowledge. The collections I am listing I am not familiar with the debt since they are not the original creditor, and they may very well be fraudulent as well. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Jefferson Capital LLC XXXX XXXX XXXX XXXX Jefferson Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have been calling this company since XX/XX/XXXX in regard to this being a fraudulent account. I never requested this card. Per XXXX XXXX the card has not ever been activated. XXXX XXXX advised that there have not ever been charges on this account. They promised to remove this account from my credit in XXXX. It still remains on my credit today with a {$50.00} fee. XXXX XXXX XXXX. This account has been charged off and is sitting on my credit report as closed with as balance. This was a purchase for a washer and dryer set. There were defects in the dryer, and I made many attempts to contact the warranty team to come out and repair. No one ever showed up and after so many months I stopped paying. I called the manager at the XXXXXXXX XXXX location since I can not get service satisfaction to just come to my house and pick it up. I was advised that XXXX does not come to homes to pick up merchandise. I guess this stemmed from a prior purchase I made there. I bought a love seat and chair that was represented to be real leather. After a few months the color began to rub off the furniture as it was plastic. I called and complained until I was exhausted with no results from XXXX. I even called and sent e-mails to the manufacturer in XXXX XXXX without ever receiving a response. I loaded the chair in the truck and drove to XXXX XXXX in XXXXXXXX XXXX to inquire of this could be repaired. I was advised that the furniture is not in any way made from leather. All I could do would be to have the furniture recovered in real leather. I called the CFPB Credit Collections Complaint.pdf ( 3 MB ) manager at XXXX and requested that they pick it up, as I had already exhausted all efforts with XXXX Corp. Office. I was advised that they do not pick up furniture. I loaded it all up in the truck and threw out at the county convenience recycling.