Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute pursuant to the Truth in Lending Act ( TILA ), 15 U.S.C. 1666b, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. I am demanding the immediate deletion of all reported late payments appearing on my consumer credit report associated with account ( s ) listed below, as the reporting of these delinquencies is inaccurate, incomplete, and legally impermissible. Under 15 U.S.C. 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has provided a reasonable amount of timenot less than 21 daysfrom the date of mailing or delivery of the billing statement before a payment due date. If the creditor failed to provide sufficient time, any late fee, penalty, or derogatory credit reporting is not only invalid but also a direct violation of federal law. Furthermore, even when due dates are disclosed, the burden of proof lies with the furnisher to demonstrate that the billing statement was delivered timely and properly, and that the reported late payment was accurate. In the absence of full documentation showing compliance with the delivery and timing requirements of 1666b, any derogatory information must be immediately removed. The continued reporting of these late payments is harming my credit reputation, suppressing my credit score, and impairing my ability to obtain credit, employment, and housing. These actions are not only unjustifiable but legally actionable. I will not hesitate to pursue all available legal remedies if this matter is not resolved immediately. Legal Precedent : In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XX/XX/XXXX ), the court confirmed that credit furnishers have a duty under the FCRA to conduct a meaningful investigation into disputed information. Failure to correct inaccuracies once notified constitutes willful noncompliance, as addressed in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ). Demand : 1. Remove all reported late payments from the following account ( s ) : Creditor Name : [ XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX Credit Card, XXXX XXXX XXXX ; Account Number ( Last 4 ) : XXXX ; XXXX ; XXXX ; XXXX ; XXXX XXXX. Provide written confirmation that all derogatory marks have been permanently removed from all consumer reporting agencies to which this information was reported. 3. Provide the documentation you are relying on that proves your compliance with 15 U.S.C. 1666b, including billing statement delivery dates and postmark evidence. Please consider this letter a direct dispute under 15 U.S.C. 1681i ( a ) and a formal notification under 15 U.S.C. 1681s-2 ( b ). Failure to comply with your obligations may result in civil liability under 15 U.S.C. 1681n and 1681o, which allow for actual damages, statutory damages, punitive damages, attorneys fees, and costs. You are hereby given 15 days from receipt of this letter to respond in writing and to remove the disputed late payments. A copy of this letter will be retained for legal purposes. Sincerely, XXXX XXXX XXXX XXXX the FCRA, 15 U.S.C. 1681s-2 ( a ) & ( b ) and the CFPB/Regulation V dispute rules, I hereby submit a direct dispute of your reporting of the above-referenced account. The information you furnished to consumer reporting agencies is inaccurate and/or incomplete for the reasons stated below. Specific Grounds for Dispute ( check all that apply ) Reported balance/amount due is incorrect. Date of First Delinquency ( DOFD ) and/or charge-off date appears inaccurate or re-aged. Duplicate charge-off reporting appears across affiliated accounts. Reporting a balance after issuance of a Form XXXX ( if applicable ) or misalignment with your internal accounting. Status codes or remarks ( e.g., past due, open ) are inconsistent with charge-off treatment. Other : _______________________________________________ Please conduct a reasonable investigation and, within the period permitted by law, correct or delete any information that is inaccurate, incomplete, or can not be substantiated. See 15 U.S.C. 1681s-2 ( b ) ( duties upon notice of dispute from a CRA ) and direct-dispute obligations under Reg V ( 12 C.F.R. Part 1022 ). Additionally, please provide : 1 .Itemized accounting of the balance, interest, and fees from delinquency through charge-off and to present. 2. The DOFD used for credit reporting and the charge-off date recorded in your system. Confirmation whether a Form XXXX was issued for cancellation of debt ; if yes, the tax year and amount. 3. Identification of any assignee/debt buyer and the effective date of transfer ( if applicable ). If you can not substantiate the accuracy of the reporting, please instruct all consumer reporting agencies to delete or correct the tradeline and send me written confirmation. If this matter is not resolved appropriately, I will consider complaints to the CFPB, FTC, and [ State ] Attorney General, and evaluate all remedies available under 15 U.S.C. 1681n, 1681o. All rights are reserved.

Company response to consumer: Closed with non-monetary relief