Consumer complaint received 2024-12-06
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC (TN)

Subject : Dispute and Request for Deletion of Fraudulent Activity on My Credit Report Dear Sir/Madam, I am writing to formally dispute the actions of XXXX XXXX, as well as to request the deletion of fraudulent activity and inaccurate reporting on my credit file. This dispute is being filed in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the protections provided under U.S. laws governing consumer credit and reporting agencies. 
Account Information : Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount Financed : {$6000.00} Remaining Balance : {$2000.00} ( all interest fees ) Details of the Dispute : On XX/XX/XXXX, a settlement agreement was made between XXXX XXXX and me, XXXX XXXX, to pay the remaining balance on the above account. The agreement outlined a payment schedule consisting of four payments of {$300.00} each. The first payment was scheduled for XX/XX/XXXX, followed by payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
However, I made the first payment on XX/XX/XXXX, earlier than agreed upon. On XX/XX/XXXX, I contacted XXXX XXXX to cancel the settlement agreement and renegotiate the payment terms, as I was unable to afford the payments as originally agreed. XXXX XXXX refused my request to cancel or modify the agreement, and they continued to attempt withdrawals from my account without my authorization. This resulted in overdraft fees and caused me undue stress and financial hardship. 
Additionally, on XX/XX/XXXX, XXXX XXXX filed for bankruptcy. Despite this, they continued to attempt to take unauthorized payments, which constitutes fraud. I did not provide written authorization for these withdrawals, and this action is a direct violation of my rights under federal law. 



Violations of Federal Law : In accordance with the Fair Credit Reporting Act ( FCRA ), I believe XXXX XXXX violated my rights under the following statutes : 15 U.S.C. 1681, Section 602 This statute grants me the right to privacy, which was violated when XXXX XXXX attempted unauthorized withdrawals from my account. 
15 U.S.C. 1681, Section 604A, Section 2 A consumer reporting agency can not furnish information about my account without my written instruction. 
15 U.S.C. 1681B, Section XXXX XXXX XXXX provided information to the credit reporting agencies without my explicit authorization. 
15 U.S.C. 1666B Under this statute, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. The late payments reported to the credit agencies are inaccurate and should be corrected immediately. 
15 U.S.C. 1692C, 15 U.S.C. 1681C ( 2 ), 15 U.S.C. 1601 et seq. These statutes further protect my rights as a consumer, which have been violated by XXXX XXXX actions. 
Request for Resolution : I hereby request that the Consumer Financial Protection Bureau take the following actions : 1. Investigate this dispute and hold XXXX XXXX accountable for their fraudulent activity, including unauthorized withdrawals from my account and the financial harm caused by overdrafts. 
2. Remove all inaccurate late payments and negative marks related to this account from my credit report in compliance with the FCRA and other relevant laws. 
3. Ensure that my account is reported accurately as " Paid on Time '' using the correct XXXX XXXX compliance codes, including XH ( account closed by consumer ), XB ( in dispute ), DE ( paid in full for less than full balance ), DA ( disputed by consumer ), and XXXX ( account paid in full or settled ). 
Conclusion : I trust that the CFPB will take swift and appropriate action to investigate these serious violations and ensure that my rights as a consumer are fully protected. Please contact me at ( XXXX ) XXXX XXXX if additional information is required to resolve this matter. 
Thank you for your attention to this urgent dispute and for protecting consumers like myself from fraudulent and predatory practices. 
Sincerely, XXXX XXXX