Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
Dear Sir/Madam : I am writing to dispute the validity of the abovereferenced debt and to request verification/validation of your legal authority to collect it. Please treat this as a formal request under the federal and Michigan consumer protection laws, and please cease all collection activities until you have provided the documentation requested below.

1. Request for Debt Validation Under the federal Fair Debt Collection Practices Act ( FDCPA ), 15U.S.C.1692g ( a ), I am entitled to request, and you must provide, the following : The amount of the alleged debt.

The name and address of the original creditor.

A copy of the contract or agreement that obligates me to pay the debt, bearing my signature ( if applicable ) or other evidence of my liability.

A complete payment history showing how the balance was calculated.

Verification that you are authorized to collect the debt on behalf of the creditor or that you own the debt.

Until that verification is provided, you must stop all collection efforts on the portion of the debt I dispute. 15U.S.C.1692g ( b ).

2. Request for Proof of Michigan License to Collect Under Michigan law specifically the Michigan Occupational Code ( Act299 of 1980 ) and its Article9 ( M.C.L.339.901 etseq. ) any person or business that operates a collection agency in Michigan must obtain a license. See MCL339.904 ( 1 ) : Except as otherwise provided a person shall not operate a collection agency without first obtaining a license under this article.

FindLaw Codes +1 Accordingly, I request you provide : The name of the licensed business collecting this debt.

The license number issued by the Michigan Department of Licensing and Regulatory Affairs ( LARA ) for that business in Michigan.

Confirmation that you are licensed for each place of business operating, as required under MCL339.904 ( 1 ).

FindLaw Codes If you claim an exemption from the licensing requirement ( for example, limited to interstate communications under MCL339.904 ( 2 ) ), please specify the basis for that exemption.

FindLaw Codes 3. Notification & Warning Please be advised that if you can not provide the requested license information, you may be in violation of Michigan law and thus lack the legal authority to collect in Michigan under those statutes. Further, under Michigan law the Michigan Regulation of Collection Practices Act ( Public Act70 of 1981 ; MCL445.251etseq. ) regulated persons must not engage in unfair, deceptive or misleading collection practices.

Thompson Consumer Law Group +2 LegalClarity +2 Until you provide the documentation requested above : Please cease all collection activity directed at me.

Do not report this alleged debt to any consumer reporting agency.

Do not contact my employer, friends or family about this debt other than as permitted by law.

4. Reservation of Rights This letter is sent for the purpose of validating the debt and your authority to collect. It is not an admission of liability. I expressly reserve all rights I have under both federal law ( including the FDCPA ) and state law ( including Michigans statutes referenced above ), including the right to seek damages, statutory penalties, and attorneys fees for violations of such laws.

Conclusion Please send the requested documentation within 30 days of your receipt of this letter. If you fail to do so, or continue collection efforts before properly verifying your authority and licensing, you may be subject to legal consequences. I look forward to receiving full and complete documentation of your legal authority to collect this alleged debt.

Company response to consumer: Closed with explanation