Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
[ XXXX, XXXX, XXXX, XXXX ] [ XXXX XXXX XXXX XXXX XXXX ( first floor ) ] [ XXXX, New York XXXX XXXX ] [ XXXX ] [ XXXX ] Date : [ XX/XX/XXXX ] To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Iowa XXXX, Iowa XXXX OR submitted via online portal RE : Complaint Against Third-Party Debt Collector XXXX XXXX XXXX : Attempt to collect a debt that is not owed ; Paid XXXX XXXX XXXX XXXX Violations of FDCPA, FCRA, XXXX, XXXX, and UDAAP To Whom It May Concern : I am writing to formally file a complaint against the third-party debt collector, XXXX XXXX, regarding their XXXX attempt to collect a debt that is false, fraudulent, and not owed. I am requesting that the CFPB investigate this entity for egregious violations of federal consumer financial protection laws. XXXX. Factual Background XXXX XXXX has contacted me claiming that I owe a debt originally owed to XXXX XXXX. I dispute this claim in its entirety. I have never entered into a contract with XXXX XXXX, nor do I owe them any amount. Furthermore, the alleged debt to the original creditor, XXXX XXXX, does not exist. Any balance that XXXX have been due to XXXX XXXX was paid in full directly to XXXX. I made this payment using a remittance coupon provided by XXXX XXXX. As the account was paid directly to the original creditor prior to any alleged charge-off or transfer, XXXX XXXX XXXX XXXX to collect a debt that is either ( a ) already satisfied, or ( b ) based on a contract to which they were never a party and for which they lack standing. XXXX. Legal Violations and XXXX XXXX CAPITALs actions constitute clear violations of federal law. I demand that the CFPB enforce the following statutes, citing relevant case law where applicable : A. Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX. XXXX et seq. XXXX XXXX has violated the FDCPA by using false, deceptive, and misleading representations in connection with the collection of a debt. XXXX XXXX. XXXX : Engaging in conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. XXXX XXXX. XXXX : Using false, deceptive, or misleading representations. Specifically, falsely representing the character, amount, or legal status of a debt ( XXXX ( XXXX ) ( A ) ), and attempting to collect an amount not authorized by the original agreement ( XXXX ( XXXX ) ). XXXX XXXX. XXXX ( XXXX ) : I invoke this section regarding civil liability for the XXXX failure to comply with the FDCPA. Relevant Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( holding that the FDCPA applies to lawyers engaged in debt collection ) ; XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( mistake of law is not a defense to FDCPA violations ). B. Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq. If XXXX XXXX has reported or threatens to report this invalid debt to any credit reporting agency, they are in violation of the FCRA. XXXX XXXX. XXXX : Furnishers of information have a duty to provide accurate information. XXXX XXXX. XXXX ( XXXX ) ( B ) ( ii ) ( iii ) : Upon notice of a dispute, the furnisher must conduct a reasonable investigation. XXXX XXXX has failed to verify the validity of this debt. Section ( iii ) requires the furnisher to review all relevant information provided by the consumer. Relevant Case Law : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ( affirming that violations of the FCRA constitute concrete harm ) ; XXXX XXXX XXXX Fed. XXXX. Bank, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( holding that furnishers must conduct a reasonable investigation ). XXXX Truth in Lending Act ( XXXX ) XXXX U.S.C. XXXX et seq. XXXX XXXX. XXXX ( f ) ( XXXX ) : This section is critical to my defense. It states that any assignee of a debt ( such as XXXX XXXX ) is subject to all claims and defenses that the consumer could assert against the original creditor. Because I paid the original creditor ( XXXX XXXX ) directly via remittance coupon, any assignment to XXXX XXXX is void ab XXXX. Furthermore, this statute limits the liability of assignees unless the violation is apparent on the face of the instrument. As I have proof of payment, XXXX XXXX can not claim bona fide error. XXXX XXXX Credit Billing Act ( XXXX ) XXXX U.S.C. XXXX et seq. XXXX XXXX. XXXX : If this alleged debt stems from a billing error with XXXX XXXX, the XXXX provides consumers with the right to dispute such errors. By attempting to collect a balance that was already satisfied via remittance coupon, XXXX XXXX is circumventing my rights under the XXXX to have billing disputes resolved by the original creditor. XXXX Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) Under the Dodd-Frank Act, the CFPB has authority over UDAAP violations XXXX XXXX XXXX is engaging in unfair and deceptive acts by : Attempting to collect a debt that is not owed. Failing to verify the debt as required by law. Misrepresenting the legal status of the debt ( claiming a paid debt is still due ). XXXX Uniform Commercial Code ( UCC ) Under applicable XXXX provisions, a debt collector can not enforce a contract unless it is a holder in due course or has valid assignment. XXXX XXXX can not prove a valid assignment of a debt that was paid in full to the originator prior to any alleged default. XXXX. Conclusion and Demand for Action I have provided XXXX XXXX with no contract, no agreement, and no consideration. I possess a paid remittance coupon proving that XXXX XXXX accepted payment for the account in question. I am formally requesting that the CFPB : XXXX. Accept this complaint for investigation. XXXX. XXXX XXXX XXXX to cease all collection activities immediately. XXXX. Require XXXX XXXX to delete any associated trade lines from my credit reports. XXXX. XXXX XXXX XXXX for the statutory violations listed above, pursuant to XXXX XXXX. XXXX and other applicable federal laws. Please find attached a copy of the remittance coupon showing proof of payment to XXXX XXXX, as well as any correspondence received from XXXX XXXX. I look forward to your prompt action in this matter. Sincerely, [ XXXX, XXXX, XXXX, XXXX ] [ XXXX, XXXX, XXXX, XXXX ]

Company response to consumer: Closed with explanation