Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: FL

Complaint narrative:
Account Number : XXXX XXXX XXXX XXXX Other Collection Agencies XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Balance : {$1100.00} Account Number : XXXXXXXX XXXX XXXX XXXX  Other Collection Agencies XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Balance : {$710.00} Subject : Notice of Dispute of Debt and Demand for Verified Documentation Fair Debt Collection Practice Act ( FDCPA ) Fair Credit Reporting Act ( FCRA ) To Whom it May Concern, I am wiring regarding the unpaid debts on the derogatory accounts listed above, which I dispute and attempt to correct your records. By sending this letter I am disputing both the validity of the alleged debt and the validity of your claims. Please be aware that any information I received from you will be collected as evidence should any further action be necessary. Please also be advised that non- compliance with my demands, could put your company in serious legal trouble. 
According to the FDCPA, I have the right to request validation of the alleged debt or competent evidence that bears my signature and shows I have some contractual obligation to pay your company. 
I hereby DEMAND that your company will provide me under penalty of perjury with the following verified documentary evidence of alleged debt : Agreement with the creditor that authorizes you to collect on this alleged debt ; The agreement bearing my signature stating that I have agreed to assume the debt, 1 Valid copies of the debt agreement stating the amount of the debt and interest charges ; 2 Proof that the Statute of Limitations has not expired ; 3 Complete payment history on this account along with an accounting of all additional charges being assessed ; 4 Proof that you are licensed to collect in my state ; and 5 7.Your license numbers and Registered Agent At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. 
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation