Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To : Consumer Financial Protection Bureau From : XXXX XXXX Date : XX/XX/XXXX Original Complaint Filed : XX/XX/XXXX Subject Account ( XXXX ) : Balances Reported as {$570.00} and {$770.00} Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, This is a formal complaint against XXXX XXXXXXXX XXXX XXXX  which is currently servicing a disputed account on behalf of XXXX XXXX XXXX. My original complaint on XX/XX/XXXX, was directed toward XXXX XXXX XXXX, the company that is reporting this debt across all three major credit bureaus. However, the response I received was from XXXX XXXX XXXX, which failed to address or resolve the core issues presented. 



Key Violations and Unresolved Issues XXXX. Unverified Third-Party Servicing XXXX XXXX XXXX XXXX not listed on my credit reports, yet they have responded to the complaint on behalf of XXXX XXXX XXXX XXXX XXXX evidence of legal authority or proper disclosure. 
Consumers should not be expected to engage with unnamed or hidden third-party entities that do not appear on official credit disclosures. 
XXXX. Failure to Validate the Debt ( FDCPA XXXX ) I requested full debt validation, including : A signed agreement bearing my name and signature. 
A complete chain of assignment from the original creditor to the current owner. 
XXXX failed to provide this information. A summary of account activity and copies of generic terms and conditions do not satisfy FDCPA XXXX ( a ) ( XXXX ) or meet the standard for proper validation. 
XXXX. Reporting of Conflicting and Inaccurate Balances ( FCRA XXXX ) The debt is being reported to the credit bureaus under XXXX different balances : {$570.00} and {$770.00}. This contradicts the requirement to furnish data that is accurate and consistent. 
I have not received any explanation or calculation showing how these figures were derived or adjusted. 
XXXX. Communication Without XXXX XXXX XXXX has failed to clearly disclose their role as a third-party servicer. There was no prior notification or authorization provided to me that they would act on behalf of XXXX XXXX XXXX. 
This is misleading and denies the consumer the ability to properly identify who is collecting and reporting their debt. 
XXXX. Unlawful Third-Party Contact and Communication Timing ( XXXX XXXX XXXX ( c ) ) I am receiving messages from XXXX and XXXX third-party collection agents on behalf of this debt, often during prohibited hours ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), violating Regulation F under the FDCPA. 
XXXX. Lack of XXXX Disclosure Post-Charge-Off This debt was charged off by the original creditor, Bank of Missouri XXXX XXXX of XX/XX/XXXX. 
If the debt was canceled, IRS guidelines XXXX require a XXXX to be issued. XXXX has refused to clarify whether this has occurred, claiming they are not responsible yet they are servicing the debt. 
Their vague refusal fails to address valid tax and consumer rights concerns. 
XXXX. Failure to Honor Cease Communication Request ( FDCPA XXXX ( c ) ) I formally requested Resurgent cease communication unless it was to provide legal validation. Instead, I have continued to receive third-party emails and texts. 
This is a direct violation of XXXX XXXX. XXXX ( c ), which prohibits further contact after a written request to stop communication has been submitted.

Company response to consumer: Closed with explanation