Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Subject : Request for Action Regarding Debt Verification, Identity Verification, Re-aging, Fraudulent Reporting, and Unauthorized Hard Inquiries Dear Federal Trade Commission, I am writing to formally report an issue concerning the reporting practices of collection accounts listed on my credit report. Despite my repeated requests for debt verification letters from the collection agencies and creditors associated with these accounts, they have failed to provide the required documentation to substantiate their claims. 

Additionally, I have noticed several unauthorized hard inquiries on my credit report. These inquiries were not initiated or authorized by me, raising serious concerns about fraudulent activity and potential misuse of my personal information. 

Furthermore, certain accounts have been re-aged, with new reporting dates that do not align with the original date of delinquency. This practice violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These laws mandate accurate reporting and prohibit re-aging to extend the reporting period. The inaccuracies, unauthorized inquiries, and fraudulent reporting practices are causing significant harm to my credit profile and financial reputation. 


The specific accounts and inquiries in question are as follows : XXXX Accounts XXXX. XXXX XXXX XXXX - XXXX : {$650.00} XXXX. XXXX XXXX XXXX XXXX - XXXX : {$4300.00} XXXX. XXXX XXXX - XXXX : {$570.00} XXXX. XXXX XXXX XXXX - XXXX : {$200.00} XXXX. XXXX XXXX Card Account Balance : {$10000.00} Current Status : Charged Off as Bad Debt ( I requested copies of any records and documentation that XXXX XXXX may have relied upon to validate the debt and the charge-off. They failed provide original signed contracts, billing statements, or other materials that substantiate this debt or verify the debt belong to me and continuous re-aging XXXX on my credit file which the credit bureaus XXXX, XXXX or XXXX continually report without any verification to continuously dent my credit profile and finance situation despite even the lack of any recent history for the unverified debt/ charge off documentation ) Unauthorized Hard Inquiries XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX These unauthorized inquiries and questionable collection accounts not only violate federal consumer protection laws but also suggest potential identity theft or misuse of my personal data. 

I respectfully request the Federal Trade Commission to : XXXX. Investigate the unauthorized hard inquiries and ensure they are removed from my credit report. 
XXXX. Investigate the collection accounts for violations of FCRA and FDCPA, including re-aging, inaccurate reporting, and potential fraud. 
XXXX. Take appropriate enforcement actions against the responsible parties to prevent further harm to my credit and financial standing. 


Thank you for your immediate attention to these serious matters. Please do not hesitate to contact me at XXXX or XXXX for further information. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation