Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
Re : Notice of Dispute and Demand for Debt Validation under 15 U.S.C. 1692g To Whom It May Concern : This letter is a formal demand for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ). This request is made within 30 days of receiving your initial communication regarding the alleged debt.

Under 15 U.S.C. 1692g, I request the following information : 1. The amount of the alleged debt, including itemization of all fees, interest, and other charges.

2. The name and address of the original creditor.

3. A copy of the original contract, agreement, or instrument bearing my signature which you claim creates the obligation.

4. Proof that you are authorized to collect this alleged debt in my state ( i.e., valid license number and issuing state authority ).

5. Proof of your standing to collect, including chain of assignment if the debt was purchased or transferred.

6. A sworn affidavit from a competent fact witness, under penalty of perjury, attesting to the validity and ownership of the alleged debt.

Legal Grounds : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Requires debt collectors to provide proper validation of debts upon request. Failing to validate while continuing collection efforts constitutes a violation. 

Federal Trade Commission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Established that attempting to collect debts without proper verification violates the FDCPA. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX that debt XXXX must cease collection activity until validation is provided. 

Constitutional Due Process ( XXXX and XXXX Amendments ) You may not deprive me of property ( money, creditworthiness ) without substantive due process of law and full disclosure of the obligation.

Uniform Commercial Code ( UCC ) 3-501 A party presenting a negotiable instrument ( or claiming a debt ) must exhibit the instrument and provide proof of the right to enforce it upon demand.

UCC 1-308 I reserve all rights without prejudice and without waiver of any rights or defenses by accepting or responding to this communication.

UCC 9-210 Entitles a debtor to request an accounting and verification of obligations under a security agreement.

Furthermore, any attempt to collect this alleged debt without complying with these requests will be construed as a willful violation of federal law and may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) under 12 U.S.C. 5531, which empowers the CFPB to prevent unfair, deceptive, or abusive practices.

Notice : You are hereby notified to cease and desist all collection activities until the above validation is fully satisfied.

You are further prohibited from reporting this alleged debt to any credit reporting agency until the debt is validated per the law.

Any noncompliance will be documented and may lead to civil and administrative complaints against your organization.

I expect a full and complete response within 30 days from the date of this letter. Failure to respond in good faith may be considered tacit admission that no such debt exists or that you are not in lawful possession of the evidence necessary to collect it.

Company response to consumer: Closed with explanation