Consumer complaint received 2025-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these be investigated properly with immediacy. This is my second time asking these XXXX XXXX XXXX to remove these collections : XXXX XXXX LL Last reported XX/XX/XXXX {$580.00} Open balance XXXX XXXX LL Original creditor Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( XXXX ) BREACH OF SECURITY. The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for XXXX and Clinical Health Act of XXXX ( XXXX XXXX ) as issued XX/XX/XXXX and the penalty rules of the FCRA and XXXX including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any XXXX authorization. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. XXXX XXXX| XXXX I require compliance with the terms and conditions of this letter within XXXX ( XXXX ) calendar days, or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the XXXX on XXXX HIPAA violations and XXXX XXXX, XXXX & XXXX authorities, the CFPB, BBB and XXXX Bar XXXX for violations of the FDCPA, FCRA, and Federal and XXXX XXXX XXXX illegal collection activities on any account that XXXX be time-barred as well as violation of YOUR STATE GOES HERE medical privacy rules. I also hereby reserve my right to take private civil action against you to recover damages. 


The original creditor sold my information ( this debt ) to your company without my written consent and also filed charged off using irs tax without sending me a copy of the XXXX which is required by law. This agency is in violation of XXXX XXXX XXXX. They were to notify me of this in writing XXXX days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. The reporting of these account ( XXXX ) is/are violations of XXXX XXXX XXXX XXXX and the Fair Credit Reporting Act [ XXXX XXXX XXXX XXXX a ) ( XXXX ) ( B ) ] : ( XXXX ) EXCLUSIONS. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this paid debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( XXXX  ) the following accounts, they have violated my rights XXXX XXXX states I have the right to privacy XXXX XXXX Section XXXX : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. XXXX XXXX XXXX ( a ) ( XXXX ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By XXXX, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & XXXX offs accounts over {$600.00} reporting to my consumer report is tax fraud. By XXXX companies are supposed to send me the consumer a copy of the XXXX from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The account information listed directly above is inaccurate, and I dispute the validity of each. as proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct. For clarity, the sections of the Fair Credit Reporting Act of XXXX which are referenced within this letter are : Section XXXX, Section XXXX, Section XXXX, and Section XXXX you very much for your cooperation. My ID has been attached as well for verification purposes.

Company response to consumer: Closed with explanation