Consumer complaint received 2026-01-29 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: MO

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to request immediate investigation, blocking, and removal of an inaccurately reported account pursuant to federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The account referenced is being reported and/or collected without lawful verification, proper validation, or proof of ownership, and contains material inaccuracies that are causing ongoing harm to my consumer credit profile. 
Inaccurate and Unverifiable Reporting ( FCRA Violations ) Under 15 U.S.C. 1681s-2 ( a ) and ( b ), furnishers are prohibited from reporting information that is inaccurate, misleading, or unverifiable. The reported account fails to meet the maximum possible accuracy standard required by the FCRA. Despite my dispute, the furnisher has failed to conduct a reasonable investigation and has continued to report unverified information in violation of 15 U.S.C. 1681s-2 ( b ).

Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ) and 1681e ( b ), unverifiable or inaccurate data must be blocked and deleted. 
Failure to Provide Debt Validation ( FDCPA Violations ) Under 15 U.S.C. 1692g ( a ) and ( b ), I timely requested full debt validation. The alleged creditor and/or collector failed to provide competent evidence that the debt is valid, owed, or legally enforceable. No admissible proof has been produced demonstrating that I have a contractual obligation to the alleged debt. 
Lack of Standing, Ownership, and Authority to Collect The reporting party has failed to provide : A complete chain of title evidencing ownership of the alleged debt A bill of sale and assignment agreement identifying my specific account Proof of authority to collect in my name and in my jurisdiction A copy of the original contract bearing my wet-ink signature, as required to demonstrate privity of contract Absent these documents, the reporting party lacks standing and legal authority to collect or report this account. Reporting without ownership or authority constitutes false representation under 15 U.S.C. 1692e and unfair practices under 1692f.

Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ), I hereby demand that all collection activity, including reporting to consumer reporting agencies, immediately cease until lawful validation and proof of authority are produced. Continued reporting without validation constitutes willful noncompliance. 
Requested Relief I respectfully request that the CFPB require the furnisher and/or collector to : Immediately block and permanently remove the account from all consumer reporting agencies Cease all collection and reporting activity Provide competent, admissible proof of ownership and authority to collect, including the original wet-signature contract Correct any and all inaccurate information previously furnished Failure to comply with federal law may expose the reporting party to civil liability under 15 U.S.C. 1681n, 1681o, and 1692k. 
Thank you for your prompt attention to this matter. I request written confirmation of the investigation results and final resolution.

Respectfully Consumer United States

Company response to consumer: Closed with explanation