Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I found out that there is a new collections account reported on my credit. Naturally, I go look at it to see what it is or what it consists of. I only see the amount and the collection agency. So I proceed to find out information about the agency so I can figure out if this is something I truly owe or not. 
When I find the contact information for the collection agency handling this debt, I then call them. The first questions they asked were to verify my identity. Nothing lined up with the information that they had listed. Not my birthdate. Not my social security number. Not my phone number nor email address. Only thing they had that matched my information was my name and old address. 
Once I called to dispute that this account was fraudulent, they took my information down in a ploy to say they needed contact information from me and they put it on the information for the debt as to update it so it matches my information. Which just seems so predatory to me. Why phrase it as something like that just to do shady business because you may not want to investigate. The information they took was said to be for communications purposes and they would send a dispute form out to me through these channels but I received nothing but a second credit reporting of a collection account with my updated information.

The account that the debt originated from was not something that I had even remotely purchased. Now my theory is that they had me mixed up with my father because the email had my younger sisters name in it and it was a telephone bill account. I know that my father used to pay for my sisters phone or bought her phone or something of that nature. Plus, I have the same name as him.

Also, with this company that the original debt is from they require your social security number for credit and if it doesnt have my social on there then how could it be me who opened the account. The theory may be right or wrong, Im not sure just speculating based on where I think the mistake may have originated. Regardless, this account has nothing to do with me. 
My apologies for I read the bullet points wrong. I thought it said not to include personal information as in only talk about the broader issue. I misread it. So as for the dates of the account listed ; it says either a XXXX account or the collection account was opened on XX/XX/XXXX of XXXX. When I called the company they asked if I had an account with XXXX in XXXX. I have had an XXXX XXXX XXXX phone plan since the early months of XXXX. Before then I had a XXXX XXXX account roughly between XXXX until XXXX. Way before then I had a phone XXXX but I switched over to XXXX  with it. So I dont see where the debt couldve come from. 
The amount is for {$1900.00}. Which I have bought nothing that would resemble this nor do I even own a phone that costs this much. I have the same phone of 2 years and the phone I had before then was paid for from XXXX XXXX. I even owned a flip phone before so I wouldnt be paying for a phone. 
Ive attached the original information provided to me from the collection agency, Jefferson Capital Systems Inc., that contains emails and phone numbers that are not mine. The one that has my updated information, same as the one on this website that I just created to login and make this dispute, is the information given to them when they asked how I wanted to be communicated with about this fraudulent activity. 
Ive submitted documents as early as XXXX of XXXX showing that I was with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation