Consumer complaint received 2025-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: PA

Complaint narrative:
I reported Jefferson capital for identity theft as I did not have a signed contract with them. They responded and said they would stop reporting negatively to my credit and give my account back to XXXX! 

I have since learned they gave my information to a company called XXXX! And they are STILL reporting to my credit! 

In addition I asked Jefferson to prove this debt and they have yet to validate the debt so they should not be attempting to collect it from me nor should they have sold it to XXXX!!! Failure to Validate the Debt Before Collection ( FDCPA Violation 15 USC 1692g ) Under federal law, a debt collector must provide written validation of a debt within five days of first contact. 
I requested validation, but they failed to provide documentation proving I owe this debt. 
Despite this, they continued collection attempts, which is a violation of my consumer rights. 

False and Misleading Representations About the Debt ( FDCPA Violation 15 USC 1692e ) Debt collectors can not misrepresent their authority to collect.

Since they have not verified the debt, they can not legally claim I owe it. 
They then hired a third party ( XXXX or another collector ) to collect on their behalf, despite failing to verify the debt themselves. 
This is a deceptive and misleading practice. 


Reporting the Debt to Credit Bureaus Without Verification ( FCRA Violation 15 USC 1681s-2 ) Debt collectors must ensure the accuracy of any debt they report to credit bureaus. 
Under 15 USC 1681s-2, a company can not furnish inaccurate or unverified information to credit reporting agencies. 
Since they failed to validate the debt, they are violating federal law by continuing to report it. 

XXXX agreed to remove this debt and they havent yet! Jefferson agreed to give the account back to XXXX but instead they gave it to unison! 

LASTLY JEFFERSON CAPITAL ISNT LICENSED IN THE STATE OF PENNSYLVANIA OR OHIO TO COLLECT A DEBT FROM ME SO THEY NEED TO REMOVE THEMSELVES OR I WILL TAKE THIS TO FEDERAL COURT AND SUE FOR {$500000.00}! These violations are getting too out of control Ive attached the letter from XXXX  attempting to collect a debt on Jeffersons behalf! 

ALSO IN THIS COMPLAINT IS UNFIN FOR : -not being licensed to collect a debt in my state! 
-accepting a collection and attempting to collect without verifying -sending to correspondence to wrong address -not sending my rights letter within 5 days of sending this notice! 

FDCPA 15 USC 1692g ( Validation of Debts ) Within 5 days of first contact, a debt collector must send a written notice ( also called a debt validation notice ) containing : 1. The amount of the debt.

2. The name of the creditor to whom the debt is owed.

3. A statement of consumer rights, including : Your right to dispute the debt within 30 days.

Your right to request verification of the debt.

Your right to request the name and address of the original creditor ( if different from the current collector ).

4. A statement that if you dispute the debt in writing within 30 days, the collector must stop collection until they provide verification. 

None of this was sent which you can see in the correspondence they sent to me. 

I have also attached proof that neither Jefferson or XXXX is licensed to collect a debt in Ohio or Pennsylvania!

Company response to consumer: Closed with explanation