Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
To Whom It May Concern, Last month, I submitted a formal dispute regarding an account that appears on my credit report, which I believe is being reported inaccurately and potentially illegally under the Fair Credit Reporting Act ( FCRA ). Recently, I received a letter indicating that your investigation is complete. However, your response lacked the depth and transparency required to ensure compliance with federal law and did not address the specific concerns I raised in my original dispute.

I now request a detailed accounting of your investigation, including but not limited to the following information : Investigation Detail Request : Basis for Conclusion What specific information did your representatives uncover that led you to determine the item is being reported accurately and in compliance with the law? 
Reviewed Documents What certified documentation did you review to reach this conclusion? Please list each document by name, issuing entity, and date. 
Information Sent to Furnisher Please provide a complete copy of all information and documentation that was transmitted to the data furnisher during your investigation. 
Cost of Investigation What did it cost your company to obtain the necessary documents and perform this investigation? 
Proof of Procurement Please provide proof of timely procurement of the certified documents used to conclude your investigation. 
Direct Communication with Furnisher Did any employee from your company speak directly with a representative of the company reporting this information? 
If so : a. Who did your representative speak to? 
b. On what date?

c. How long was the conversation?

d. What was their position?

e. What telephone number was called?

f. What is the name and title of your employee who handled the conversation?

g. How long has that employee been with your organization?

h. What formal training has this employee received to investigate matters of this nature? 
i. Was there any written or electronic communication exchanged? 
j. Please provide copies of all correspondence between your organization and the data furnisher. 
Supporting Documentation Supply copies of all documentation reviewed or created during your investigation to demonstrate that a reasonable investigation was conducted. 
Delinquency Information a. Provide the exact date of first delinquency on the account in question.

b. Provide the specific date this item is scheduled to be removed from my credit file.

Additionally, I am requesting that you provide a notarized affidavit, signed by a competent officer of your organization, attesting that the information provided in response to this request is true, complete, and accurate, as is my right under federal law. 
Please be advised that I will not accept a form letter response. My dispute was specific and detailed. Therefore, your response must be tailored, factual, and complete. 

If you can not or will not provide the above information and documentation in full, I will interpret your inability as non-compliance with the Fair Credit Reporting Act and will demand the immediate and permanent deletion of the disputed account from all credit files under your control.

Company response to consumer: Closed with explanation