Consumer complaint received 2024-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NV

Complaint narrative:
I was a victim of identity theft.

A collections account was placed on my credit report by Jefferson Capital Syst.

I was alerted through a credit monitoring app and contacted XXXX to notify them this was a fraudulent account. I was told by the credit bureaus ( XXXX ) that I need to contact the local police and file a police report. I did although the local police department asked what store this identity theft took place in. I said, " I did not know? '' as I do not have that information.

The police department said that I would have to show that the transaction of this identity theft took place in a store within the jurisdiction of the Police department for me to file a report with them. 

I contacted XXXX  and told them what had happened they said since this was a fraud account and had been submitted to collections, they can not supply me with any information regarding the account.

I contacted the Local police department and told them what XXXX had told me and the police said there was nothing they could help me with if the identity theft did not take place in their jurisdiction. 

I contacted XXXX and the lady told me I would need to file a complaint here and provided me with the FTC.gov information.

I also contacted Jefferson capital system the debt collector that has been reporting on my credit. I spoke with XXXX and he transferred me to XXXX in the fraud department with Jefferson Capital. 

XXXX said according to the information Jefferson Capital has on the account the fraudulent transaction was completed on XX/XX/XXXX and the transaction number is XXXX although he did not have the address or location that the fraudulent transaction took place. This was the only information he could give me.

When speaking with XXXX I requested that Jefferson capital stop reporting this account as late/nonpayment on my credit during the dispute process of this account. XXXX said he could not do that but would note that the account was being disputed. 

Also Please Note*** The XXXX  account that Jeferson Capital is reporting has been removed from my credit report twice before as a fraudulent account. 

XXXX account was removed the first time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** Just about XXXX XXXX later XXXX XXXX rereported the account on my credit a second time after it had been removed as identity theft. 

XXXX account was removed the second time. 
XX/XX/XXXX. The Debt collector was XXXX XXXX Report # XXXX Result **deleted from credit report** XXXX XXXX has sold the debt to Jefferson Capital and now Jefferson Capital is reporting this on my credit report as a Seriously past due account in collections and has reported XXXX missed payment on the account. this has severely damaged my credit score.

I am needing help to have this Fraudulent XXXX account removed from my credit report for a 3rd time. 

Respectfully XXXX XXXX

Company response to consumer: Closed with explanation