Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
To Whom It May Concern : I am writing regarding the collection account ( s ) your company is reporting on my consumer credit file. I dispute the accuracy, validity, ownership, balance, reporting history, and legal enforceability of this alleged debt. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I request a complete investigation and validation of this account. I do not admit liability for this debt, nor do I acknowledge ownership of the account. I am requesting competent evidence demonstrating that I have a legal obligation to pay this alleged debt and that the information being reported to the credit bureaus is complete, accurate, and verifiable. Because collection accounts are frequently transferred, assigned, sold, and resold, I request complete documentation establishing the chain of ownership and authority to collect and report this account. Specifically, please provide the following : Original documentation used to verify this collection account. Original signed contract or agreement. Original creditor agreement. Complete account application. Complete billing statements from the original creditor. Full itemized payment history. Complete account ledger showing all charges, payments, fees, interest, credits, and adjustments. Charge-off statement or final billing statement from the original creditor. Date of first delinquency. Proof that the reported date of first delinquency is accurate. Assignment agreement. Bill of sale. Purchase agreement. Receivables sale agreement. Forward flow agreement, if applicable. Account schedule or exhibit showing my specific account was included in any sale or assignment. Complete chain of title from the original creditor to the current owner of the debt. Proof that the collection agency owns the debt or possesses legal authority to collect. Servicing agreement, if collection activity is being conducted on behalf of another entity. Collection agency license or registration for my state, if required. Name, address, and contact information of the original creditor. Name, address, and contact information of the current debt owner. Date the account was assigned, purchased, or transferred. Amount allegedly owed at the time of charge-off. Amount allegedly owed at the time of assignment or sale. Detailed explanation of all fees, interest, penalties, and collection costs added. Proof that the balance being reported is accurate. Proof that the account belongs to me. Proof that I authorized the original account. Proof that your agency has the legal right to report this account to any consumer reporting agency. Copies of all notices allegedly sent to me. Copy of the initial collection notice or validation notice. Copies of any previous dispute responses. Documentation demonstrating compliance with the FDCPA. Documentation demonstrating compliance with the FCRA. Description of the method of verification used to confirm the account is accurate. Additionally, because this debt appears to have been transferred and/or sold, I demand documentation establishing ownership, including : A complete list of all prior owners of the debt. Bills of sale or assignment documents for every transfer. Documentation linking my specific account to each transfer. Dates of every transfer and identification of all parties involved. A generic affidavit, spreadsheet entry, account summary, or unsigned account record is insufficient to establish ownership, liability, or accuracy. Any documentation produced must specifically reference my account and demonstrate a clear legal connection between me and the alleged debt. If you can not provide the requested documentation, then the account remains unverified. In that event, I demand immediate deletion of all references to this account from XXXX XXXX XXXX, and any other consumer reporting agency to which you furnish information. If the account is currently being reported, I further request : Verification of the balance. Verification of the payment history. Verification of the date of first delinquency. Verification of the account ownership. Verification of all collection activity. Verification of all information furnished to consumer reporting agencies. Should your investigation reveal any information that can not be fully documented, substantiated, or verified, I request immediate correction or deletion of the inaccurate information. If you continue reporting information that can not be verified through competent evidence, please provide the name, title, address, and telephone number of the individual who personally conducted the investigation and verified the account. Until proper validation is provided, I request that all collection activity cease and that all future communications be conducted in writing. This letter is not a refusal to pay. It is a notice that I dispute the alleged debt and request validation pursuant to federal law. Nothing in this correspondence should be construed as an acknowledgment of liability. Thank you for your prompt attention to this matter. I expect a written response along with all supporting documentation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief