Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: TX

Complaint narrative:
Just recently I was able to get in contact with the law firm XXXX XXXX who informed me that they received a judgement against me, however, they could not provide or confirm service of a complaint. However, in an attempt to promptly resolve the XXXX balance, I paid XXXX XXXX a sum of {$4400.00} and received the attached Settlement Verification letter. 



I am asking now to speak with or obtain the assistance of a direct contact at XXXX as there have been several attempts by the Credit Bureaus at my Lenders attempt to obtain a rapid rescore. Please forward the below background and attached document to your contact at XXXX. 



Background : The account was placed for collections in XXXX as a hardship due to XXXX. 

In XXXX, I spoke with a XXXX Account representative to settle the balance. I did not however have the foresight to obtain a settlement letter. 

I have contacted XXXX several times at XXXX. The customer service representatives were rude and said that I would need to contact XXXX at XXXX. 

I called the number provided for XXXX and it was disconnected. I once again called XXXX to inform them that the phone number was disconnected and was given a phone number for XXXX recovery department XXXX. 

I contacted XXXX recovery department who once again provided a disconnected phone number. When I informed the representative of this, I was told to XXXX it. 

I was able to connect with the corporate office of XXXX ( as I did in locating your phone number ) and was provided the phone number XXXX Who advised me that the account had been transferred to XXXX XXXX XXXX 

I spoke to XXXX XXXX who informed me that the account was placed with their law firm and a case was filed against me. I was offered {$4400.00} to settle the debt. Which I paid via XXXX XX/XX/XXXX. 

I was able to obtain the attached Settlement Letter from XXXX XXXX on XX/XX/XXXX. 

This letter was provided to my mortgage lender and then to the credit reporting agencies for a rapid rescore. 

On XX/XX/XXXX I received an email from my lender advising of the following : o PN-PHONE VERIFICATION ATTEMPTED AT XXXX SPOKE WITH XXXX BUT NO INFORMATION WAS GIVEN WITHOUT CONSUMER AUTHORIZATION. 

THIS MEANS : THE CREDITOR WILL NOT PROVIDE INFORMATION WITHOUT YOUR BORROWER 'S VERBAL AUTHORIZATION. THE BORROWER MUST CALL THE CREDITOR TO PROVIDE VERBAL AUTHORIZATION. When you call the creditor, give them verbal authorization to give XXXX XXXX from XXXX information concerning the account. 

I contacted XXXX who said that they do not have any information and that I would once again need to talk with XXXX. I called XXXX who informed me that they have been notified that the account is XXXX ( {$0.00} ) and have notified Jefferson Capital. This is the first anyone has mentioned Jefferson Capital ( Jefferson ). 

When speaking to XXXX XXXX XXXX she advised that they believe the letter received from XXXX XXXX should be sufficient for my lender and that Jefferson Capital purchased the debt from XXXX. As verified in their article published here XXXX XXXX XXXX I requested an Assignment of Debt letter from XXXX, Jefferson Capital , and XXXX XXXX and neither of the companies was willing to provide. 

If XXXX sold the debt, it should not be reported to my credit report. Or should be updated to XXXX. XXXX

Company response to consumer: Closed with explanation