Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: WA

Complaint narrative:
b'I had a XXXX XXXX Credit Card. The XXXX balance was charged off on XXXX It was sold to Jefferson Capital who is claiming that the debt is newer than XXXX What I have listed directly below is from my XXXXXXXX XXXX XXXX XXXXt. After that information is what Jefferson Capital has provided recently. The dates do not match up. Jefferson Capital is claiming it is a new debt from XXXX which is false. They are lying about the start of the account and last payment that was made. I have contacted Jefferson Capital multiple times to tell them that the information is incorrect and they have brushed me off. It is unethical of them to claim that this account is from XXXX, when it was in fact opened with XXXX XXXX the original creditor in XXXX and the last payment made in XXXX. They are refusing to take it off my credit report even though I have called many times and explained my only income is SSDI and that they are unable to take any of that money that is protected by the government. \n\n\nBelow is from my XXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX XXXXnPotentially Negative\n Account Info\nAccount Name XXXX XXXX XXXX XXXXnAccount Number XXXXnAccount Type Credit card\nResponsibility Individual\nDate Opened XXXXnStatus Account charged off. XXXX written off. XXXX past due as of\nXXXX XXXX\nStatus Updated XXXX XXXX Payment XXXXn\n\n30\n60\n90\n120\n2021\n\n\n\n\n\n\nXXXXn\n\n\n\n\n\nXXXX\n\n150\n\n\n Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days\n120 Past due 120 days 150 Past due 150 days CO Charge off\nPayment history guide\nCharge Off as of XXXX XXXX XXXX XXXX XXXX\nBalancXXXX XXXXnBalance Updated XXXX\nRecent Payment-\nMonthly Payment-\nCredit Limit XXXXHighest Balance XXXXnTerms-\nOn Record Until XXXX XXXX\n\nCO\n\n\nXXXXn\nCO\n\n\nXXXXn\nCO\n\n\nXXXX\nCO\n\n\n150 days past due as of XXXX XXXXn120 days past due as of XXXX XXXX\n90 days past due as of XXXX XXXX\n60 days past due as of XXXX XXXXn30 days past due as of XXXX XXXX\n Balance Histories\nDate Balance Scheduled Payment Paid\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 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 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 your credit limit/high balance was XXXX XXXX XXXX XXXX XXXX XXXX your credit limit/high balance was XXXX Contact Info\nAddress XXXX XXXX XXXX XXXX XXXX\nPhone Number XXXX XXXX\n\n\nWhat Jefferson Capital is listing on my credit report now:\n\nJEFFCAPSYS - XXXXnLast updated XXXX XXXX XXXX\nBalance\nXXXXAccount Details\nDEROGATORY\nAccount Type\nCollection Account\nLast Account Activity\nXXXX XXXX XXXXnOpen Since\nXXXX XXXX XXXX\nOwnership\nIndividual\nCurrent Balance\nXXXXMonthly Payment\n-\nOriginal Creditor\nXXXX XXXX CREDIT CARD\nPayment Details\nPayment status\nCollection/Chargeoff\nContact Information\nLender Name\nJEFFERSON CAPITAL SYSTEM\nAddress\nXXXX XXXX XXXX XXXX XXXX XXXXnPhone Number\nXXXX

Company response to consumer: Closed with explanation