Consumer complaint received 2025-10-13 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: CA

Complaint narrative:
XX/XX/year> From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Formal Notice of Dispute and Demand for Deletion Under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Standards This letter serves as a formal notification that the undersigned disputes the accuracy, completeness, and verifiability of information you are furnishing to consumer reporting agencies. The accounts listed below have been identified as inaccurate, unverifiable, incomplete, and/or noncompliant with Metro 2 data furnishing standards and federal law.

In accordance with the Fair Credit Reporting Act ( FCRA ) including 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), 1681i, 1681e ( b ), and 1681s-2, as well as the Consumer Data XXXX XXXX XXXX XXXX XXXX Guidelines, you are hereby demanded to immediately delete and cease reporting the accounts listed below to all consumer reporting agencies. 



Creditors Name : XXXX XXXX Account XXXX : XXXX * * I am formally disputing the reporting of the above-referenced account. This tradeline contains inaccurate and unverifiable information and is noncompliant with both federal law and XXXX XXXX standards. 

Specifically : The reported Date of Last Activity predates the reported Date Opened, which is chronologically impossible and constitutes a reporting error. 

Such inaccurate reporting violates 15 U.S.C. 1681e ( b ).

Continued furnishing of unverifiable data violates 15 U.S.C. 1681s-2.

Pursuant to 15 U.S.C. 1681i, I demand reinvestigation and correction or deletion of this tradeline.

Metro 2 requires chronological consistency of data fields, and this tradeline does not meet those standards.

Under 15 U.S.C. 1681c ( 2 ) ( FCRA 605B ), I demand immediate deletion of this account.

Because the account appears to be reported by a debt buyer or collection agency, I am also exercising my right to request validation of the alleged debt and proof of your authority to collect or report it. Please provide the following documentation within the reinvestigation period : 1. Complete chain of assignment including all transfers of ownership, assignments, or sales demonstrating your lawful right to collect and report this account, as required under UCC 9-406.

2. Original agreement or contract a copy of the original signed agreement or other evidence that I am legally obligated for the alleged debt.

3. Detailed, itemized accounting showing how the claimed balance was calculated, including all fees, interest, credits, and payments applied.

If you are unable or unwilling to provide complete, authenticated verification of the above within the time allowed by law, you must delete this account from my credit file immediately and notify all consumer reporting agencies to which you have furnished this information. 

Enclosed are my ID and proof of verification. Please confirm deletion in writing within 30 days of receipt of this letter. Failure to comply will result in legal action under 15 U.S.C. 616617. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation