Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am writing to rebut XXXX  response to my complaint and to bring to your attention that a new debt collector, Diversified Adjustment, has now also begun pursuing this same alleged debt. XXXX. Lack of Proof of Billing or Delivery The validation XXXX provided consists only of system-generated invoices without any delivery records. I was locked out of my XXXX account after closure and had no access to view or download bills. No invoices were ever sent to my email or mailing address. As further evidence, I have attached XXXX of the so-called final bills provided by the previous collector. This document is not addressed to me or to any individual at all effectively a bill to thin air. It has no delivery trail, no email headers, and no mailing information. Producing internal records after the fact does not satisfy the FDCPAs validation requirement. XXXX. Disputed Remaining Line and Alleged Usage XXXX claims that XXXX line remained active until XX/XX/year>, despite my explicit closure and porting of service. If another line was active, XXXX failed to disclose it at closure, which constitutes a violation of TILA and state consumer law. Their claim of significant usage lacks proof no call detail records, XXXX identifiers, or logs tying this to me have been provided. Any usage shown could just as easily reflect administrative error or fraudulent activity, not my authorization. XXXX. Admission of Improper Credit Reporting XXXX has admitted by requesting removal of the tradeline as a courtesy. This is a tacit acknowledgment that their credit reporting was inaccurate under the FCRA. If the debt were valid, there would be no basis to remove it. Damage to my credit has already occurred. XXXX. FDCPA Violations Now XXXX XXXX failed to properly validate the debt. XXXX XXXX is now pursuing the very same disputed and unverifiable debt, despite the fact that it remains formally contested. This constitutes harassment and serial collection activity, in violation of the FDCPA. XXXX. Resolution Requested Given these ongoing violations, I demand : Full and proper validation, including : Proof of disclosure of any remaining obligations at closure. Call detail records or technical proof linking alleged usage to me. Evidence of actual delivery of billing statements to my email or mailing address. Formal acknowledgment that this alleged debt is invalid and unenforceable. Immediate cessation of all collection activities by XXXX, XXXX XXXX, or any other agency. Written confirmation that this account will not be resold, reassigned, or recycled into further collection attempts. XXXX. Notice of Escalation If these issues are not resolved, I will escalate with the FTC, my State Attorney General, and retain counsel to pursue damages under the FDCPA, FCRA, and state consumer protection laws. Conclusion : XXXX and its agents ( XXXX and now XXXX XXXX ) have failed to provide legally valid proof of debt, have circulated bills to no one, and have engaged in repeated collection attempts despite ongoing dispute. I respectfully request the CFPB direct XXXX  and its XXXX to cease all further collection activities unless lawful validation can be produced. 

THE ADDRESS PROVIDED TO THE REGISTERED ACCOUNT IS IN XXXX, A CITY I HAVE NEVER VISITED. THIS IS CLEAR ID THEFT, AND THIS DEBT HAS BEEN SOLD MULTIPLE TIMES. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation