Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint about an unjust and inaccurate debt collection issue that has negatively affected my credit due to negligence from XXXX XXXX and the debt collection agencies involved. This situation has caused unnecessary stress and financial harm, despite my efforts to resolve it. 

On XX/XX/XXXX, I purchased a XXXX XXXXXXXX XXXX XXXX router from XXXX XXXX at their XXXX XXXX location ( XXXX ). The next day, XX/XX/XXXX, I returned the device because it did not work as I expected. The XXXX employee assisting me assured me that everything was taken care of and that I did not owe anything further. However, in late XX/XX/XXXX, I noticed XXXX was still charging me for the returned device. When I called customer service, I was told that the issue could not be resolved until the next billing cycle and that I should call back in XXXX. 

On XX/XX/XXXX, I called XXXX again after noticing an email saying my account was past due. I spoke with at least XXXX different representatives over several hours. Some calls were disconnected, and others resulted in transfers to departments that could not assist me. Finally, a representative assured me that the charge would be removed within a few days and that I had nothing else to worry about. I believed the matter was resolved until I returned home on XX/XX/XXXX, to find that XXXX had wrongfully sent my account to collections for a balance of {$100.00}. 

The first debt collection agency that acquired the debt was Convergent Outsourcing. I disputed the debt with at least one credit bureau, and the account was successfully removed from my credit report, proving that the debt was invalid. However, on XX/XX/XXXX or XX/XX/XXXX, another company, Jefferson Capital Systems XXXX, purchased the same debt and reported it again. When I attempted to dispute the debt with all three credit bureaus, my dispute was denied. This has now resulted in lasting damage to my credit, despite my repeated efforts to prove that the debt is not valid. 

XXXX XXXX failed to properly remove the charge, even though their own representatives admitted it was a mistake in XXXX. XXXX XXXX initially reported the invalid debt, which I was able to dispute and have removed. However, Jefferson Capital Systems LLC later repurchased the same disputed debt and reported it again. The credit bureaus have refused to remove it this time, despite my previous success in disputing it. This repeated cycle has caused harm to my credit and wasted my time, all due to company negligence. 

I am requesting the immediate removal of this erroneous debt from my credit report with all credit bureaus. Additionally, I ask for a full investigation into XXXX XXXX, Convergent Outsourcing, and Jefferson Capital Systems LLC for their handling of this debt and for regulatory action to prevent these companies from repeatedly reselling and reporting disputed debts. 

I appreciate your attention to this matter and look forward to your response. Please let me know if any additional information is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation