Consumer complaint received 2025-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC
State: GA

Complaint narrative:
Dear! Debt Collections!

1. * * 15 U.S.C. 1692c * * Restrictions on how and when debt collectors may communicate with consumers 2. * * 15 U.S.C. 1692g * * Validation of debts ( requires debt collectors to inform consumers of their rights and verify debts if requested ) 3. * * 15 U.S.C. 1681e ( b ) * * Fair Credit Reporting Act provision requiring consumer reporting agencies to ensure accuracy of information in consumer reports -- - Below is an updated and consolidated * * Strike Law Code * *, combining all three statutes into a cohesive enforcement structure. 

-- - Debt Consumer Protection Strike Law ( DCPSL ) * * Modeled After * * : * 15 U.S. Code 1692c ( Unfair Communication Practices ) * 15 U.S. Code 1692g ( Validation of Debt ) * 15 U.S. Code 1681e ( b ) ( Accuracy of Credit Reporting ) -- - * * Section 1 : Purpose * * To deter repeated violations by debt collectors and credit reporting agencies by implementing a structured " three-strike '' system with escalating civil, regulatory, and criminal consequences for violating federal consumer protection statutes. 

-- - * * Section 2 : Applicable Violations * * A. Violation of 1692c Communication Violations * Contacting consumers at improper times or places * Contacting consumers at work after being told not to * Contacting a represented consumer * Ignoring cease communication requests B. Violation of 1692g Debt Validation Failures * Failure to notify consumer of their right to dispute debt within 5 days of initial contact * Failure to cease collection when a consumer disputes the debt and demands verification * Continuing collection without providing proper validation C. Violation of 1681e ( b ) Credit Report Accuracy Failures * Failure to follow reasonable procedures to assure maximum accuracy * Reporting outdated or incorrect debt * Ignoring consumer disputes about inaccurate entries -- - * * Section XXXX : Strike Enforcement System * * * * Strike One Notice and Mandatory Correction * * * Agency or collector receives written warning.

* Must take corrective action within * * 30 days * * : * Cease improper contact * Provide debt verification * Correct false credit information * Civil penalty : * * up to \ {$1000.00} * * per violation * Must complete a * * compliance training program * * -- - * * Strike Two Escalated Sanctions * * * Triggered by a second confirmed violation * * within 24 months * * * Civil penalty : * * up to \ {$5000.00} * * * Regulator ( CFPB or FTC ) places company under * * compliance monitoring * * * Credit reporting agencies must submit to * * external data audit * * * Debt collectors barred from contacting the affected consumer for * * 12 months * * -- - * * Strike Three Regulatory Action and Consumer Lawsuit Rights * * * Third violation within * * 36 months * * * * * Mandatory license suspension * * ( 612 months ) for debt collectors * * * FCRA reporting restriction * * for consumer reporting agencies * Affected consumer granted private right of action : * Statutory damages up to * * \ {$10000.00} * * * Actual damages + punitive damages ( if willful ) * Attorney 's fees and legal costs recoverable * Public notice of companys Strike Three status posted to CFPB violation database -- - * * Section 4 : Exceptions and Appeals * * * Good faith errors that are promptly corrected within 15 days may be exempt from Strike One * Appeals may be filed to an administrative law judge within * * 30 days * * of a strike notification * Each strike resets after * * 5 years * * of full compliance -- - * * Section 5 : Oversight and Administration * * * * * Enforced by * * : * Consumer Financial Protection Bureau ( CFPB ) * Federal Trade Commission ( FTC ) * State Attorneys General * Consumers may file strike reports through a centralized federal portal * Violations tracked in a federal database accessible to consumers and regulators -- -

Company response to consumer: Closed with explanation