Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing an inaccurate and duplicate auto loan collection account being reported separately by XXXX  and XXXX. The two reports show inconsistencies in account details, dates, and payment history for what appears to be the same debt : XXXX  shows a collection account ( # XXXXXXXX XXXX XXXX ), opened XX/XX/XXXX, balance {$11000.00}, and last reported XX/XX/XXXX. It lacks any creditor identification, and there is no payment history or validation of debt provided. 

XXXX  reports a similar account under JEFFERSNCP ( # XXXXXXXX XXXX XXXX XXXX XXXX  ), also showing a {$11000.00} balance, opened XX/XX/XXXX. However, it lists a status of XXXX Account, shows Late 120 Days, and claims a last payment on XX/XX/XXXX, which predates the accounts reported open date by nearly 6 years an impossible and inconsistent timeline. 

These conflicting entries likely stem from a debt that was sold or transferred, and neither credit bureau has provided validation or correction despite the discrepancies. This is in violation of the Fair Credit Reporting Act ( FCRA ) 602 and 611 regarding the accuracy and integrity of information furnished, and the Fair Debt Collection Practices Act ( FDCPA ) 807 ( false or misleading representation ). 

I am requesting a full investigation and removal of all inaccurate, unverifiable, or duplicate entries related to this alleged debt. These records are harming my credit profile unfairly and without proper validation. 

ACCOUNT # XXXX : XXXX  Account # : XXXXXXXX XXXX XXXX Errors Identified : Missing Creditor Name Nowhere on the report is the original or current creditor identified. 

FCRA Violation : 609 ( a ) ( 1 ) Consumer has the right to know the source of the information. 

Date Discrepancy Open date : XX/XX/XXXX Last Reported : XX/XX/XXXX No activity history or validation of when/why the account became delinquent. 

FDCPA Violation : 809 ( b ) Failure to provide validation of the debt. 

Collection/Chargeoff status without validation No evidence this account was properly validated or authorized to be reported in this status. 

FCRA Violation : 607 ( b ) Furnishers must ensure maximum accuracy.

FDCPA Violation : 807 ( 8 ) Reporting debt to credit bureaus without proper validation may be considered misleading. 

No Payment History Provided The Two-Year Payment History is completely blank, with no evidence of delinquency timeline. 

FCRA Violation : 611 If the data cant be verified, it must be deleted. 

ACCOUNT # XXXX : XXXX  Account # : XXXXXXXX XXXX XXXX  Errors Identified : Duplicate Debt Same balance ( {$11000.00} ), similar account number, and account type. 

FCRA Violation : 623 ( a ) ( 5 ) Reporting duplicate debts without clear differentiation misleads consumers and damages scores unfairly. 

Open Date vs Last Payment Conflict Open Date : XX/XX/XXXX Last Payment : XX/XX/XXXX ( 6 years prior to account opening ) This is a factual impossibility. 

FCRA Violation : 607 ( b ) Inaccurate reporting. 

Status Misrepresentation Equifax lists the account as Open Account with a collection comment and 120 days late. 

Contradicts XXXX Collection/Chargeoff label and $ XXXX  monthly payment. 

FDCPA Violation : 807 ( 2 ) ( A ) False representation of the character or legal status of the debt. 

Past Due Balance Conflicts XXXX  shows {$11000.00} past due, while XXXX  lists {$0.00} past due with the same balance. 

FCRA Violation : 607 ( b ) and 623 ( a ) ( 1 ) ( A ) Data furnishers must report accurately. 

Summary of Violated Laws & Codes Law Code Description FCRA 607 ( b ) Duty to maintain maximum possible accuracy FCRA 611 Consumer 's right to dispute and have unverifiable data deleted FCRA 609 ( a ) ( 1 ) Right to know the source of information FCRA 623 ( a ) ( 1 ) ( A ) Duty of furnishers to report accurate information FCRA 623 ( a ) ( 5 ) Duty to report date of first delinquency accurately FDCPA 807 ( 2 ) ( A ) False representation of the character or amount of debt FDCPA 807 ( 8 ) Communicating false credit information FDCPA 809 ( b ) Failure to validate the debt upon request

Company response to consumer: Closed with explanation