Consumer complaint received 2023-06-03
Company: CL Holdings LLC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.

( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt.

Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt.

abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy.

communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX XXXX and before XXXX XXXX post meridiem. 
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. 
Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. 
I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.

15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial

Company response to consumer: Closed with explanation