Consumer complaint received 2018-02-10
Company: CL Holdings LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not understand how the charges listed were processed. I believe that your agency accepted debts that were potentially inaccurate, lacking documentation, or unenforceable. I would be more than happy to settle this matter if your agency send a true bill, verifying the debt. I conditionally accept your offer, as mentioned above, upon verifiable proof that : 1. your offer is not to, threaten and deceive consumer, to collect a debt that you know, or should have known, is inaccurate or can not legally be enforced based on contractual disclaimers, past practices of debt sellers, or consumer disputes. 
2. your offer is not an illegal and obnoxious debt collection practice.

3. your agency can file any lawsuit against consumer without having the intent to prove the debt.

4. your agencys practices does not violate the Fair Debt Collection Practices Act, the Dodd-Frank Wall Street Reform, and Consumer Protection Act. 

I conditionally accept your offer, as mentioned above, upon verifiable : 5. proof of balances, interest rates, and payment due dates.

6. proof of accounting and transactions.

7. proof that your agency conducted any investigation to determine whether the debt is accurate and enforceable.

8. proof that the debt is owed and accurate.

9. proof of legal documents to prove that you are legally authorized to collect. 

10. proof of a signed contract showing the terms about the debt.

11. proof of WHO owns the debt/or has been assigned the debt.

12. proof of a copy of a True Bill in Commerce.

13. proof of a complete payment history, starting with the original creditor.

14. proof of a Certified and True Copy of the original signed agreement or application. 

I do not consent to your agency assigning disputed debts to law firms and third-party debt collectors without informing them that the debt is disputed. I do not consent to your agency contacting consumer with the intent to annoy, abuse, or harass consumer into paying. 

Your agency is prohibited from reselling any debts associated with the above matter, to protect consumer from the potential harm that results when debt collectors continue to sell and resell debts that may be inaccurate or lack the business records and information needed to collect them. If your agency attempts to collect on debts by suing consumer in court, please take notice that the consumer will file this CONDITIONAL ACCEPTANCE UPON VERIFIABLE PROOF OF CLAIM. 

Your agency must provide refunds where it collected payments by misrepresenting that it could sue on a time-barred debt or by misrepresenting in court that a debt was assumed valid because the consumer did not previously dispute it. Your agency must provide refunds where it collected payments by misrepresenting that an attorney has reviewed a debt or that collectors were calling on behalf of attorneys, and where it collected payments on judgments that it should not have obtained because they were barred by the statute of limitations from suing to collect the debt. Your agency must release or move to vacate any judgments and dismiss any lawsuits where it misrepresent that a debt is assumed valid, and stop any attempts to enforce or collect on said judgments. Your agency must release or move to vacate any judgments and dismiss any pending lawsuits it filed past the statute of limitations and stop any attempts to enforce or collect on said judgments. 

No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT - Calls may be recorded " Should you consider my position in error... '' NOTICE IS HERE BY GIVEN, this document stands under the doctrine of qui tacet consentire videtur, " he who is silent is taken to agree, silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Your agencys failure to rebut, address, answer or respond to Conditional Acceptance Upon Verifiable Proof of Claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, created this Summary judgment and this shall become a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.

Company response to consumer: Closed with non-monetary relief