Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq.- Credit terms must be clearly and accurately disclosed when extending or offering credit. Any failure to do so constitutes a violation. As a direct result of these violations, I have suffered actual damages including but not limited to denial of financing, higher costs of credit, emotional distress, reputational harm. I hereby demand : a. Immediate correction and disclosure of all reasons for the denial ; b. Copies of all documents, reports, and communications relied upon in making your credit decision ; c. 
Compensation for actual damages in the amount of {$50000.00} ; d. Statutory damages as allowed under ECOA ( {$10000.00} cap ), FCRA ( {$1000.00} per violation ), and TILA ( twice the finance charge or statutory cap ) ; e. Reimbursement of costs and reasonable attorneys fees if litigation is required. 
If I do not receive a satisfactory response within [ 15 days ] of receipt of this letter, I will pursue all available legal remedies in federal court without further notice. FRAUDULENT UNAUTHORIZED OPEN ACCOUNTS XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX FRAUDULENT UNAUTHORIZED OPEN ACCOUNTS XXXX XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX XXXX XX/XX/XXXXXXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX JEFFERSON RECOVERY XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT BALANCE XXXX DATE OPEN XX/XX/XXXX XXXX XXXX XXXX THIS IS NOT MY ACCOUNT NUMBER XXXX ACCOUNT DATE OPEN XX/XX/XXXX BALANCE {$1200.00} FRAUDULENT LATE PAYMENT MARKED ON ACCOUNT XXXX XXXX XXXX XXXX PAID AS OPEN XX/XX/XXXX AGREED BALANCE {$0.00} LATE PAYMENT MARKED YEAR XXXX AND YEAR XXXX XXXX MISSED INCORRECT MARKED XXXX XXXX XXXX XXXX AS OPEN XX/XX/XXXX AGREED BALANCE {$5400.00} LATE PAYMENT MARKED YEAR XXXX, XXXX MISSED INCORRECT MARKEDXX/XX/XXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$240.00} LATE PAYMENT MARKED YEAR XXXX XXXX MISSED INCORRECT MARKEDXX/XX/XXXXXXXX MARKED PAID AS OPEN XX/XX/XXXX AGREED BALANCE {$60.00} LATE PAYMENT MARKED YEAR XXXX 3 MISSED INCORRECT MARKED FRAUDULENT LATE PAYMENT MARKED ON ACCOUNTXX/XX/XXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$4700.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT XXXXXX/XX/XXXXMARKED PAID AS OPENED XXXX XXXX AGREED BALANCE {$0.00} MARKED INCORRECT YEAR XXXX 1 MISSED MARKED INCORRECTXX/XX/XXXXMARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$13000.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX 3 MISSED MARKED INCORRECT SUNRISE BANKS XXXX MARKED PAID AS OPENED XX/XX/XXXX AGREED BALANCE {$0.00} LATEPAYMENT MARKED INCORRECT YEAR XXXX XXXX MISSED MARKED INCORRECT FRAUDULENT UNAUTHORIZED INQUIRIES ON ACCOUNT XX/XX/XXXXDATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNT XX/XX/XXXXDATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNTXX/XX/XXXX DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNTXX/XX/XXXXVIA DEALER DATE XX/XX/XXXX I HAVE NOT AUTHORIZED USE ON ACCOUNTXX/XX/XXXX DATE XX/XX/XXXX XXXX HAVE NOT AUTHORIZED USE ON ACCOUNT

Company response to consumer: Closed with explanation