Consumer complaint received 2023-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
I have a collection account a debt this company says I owe in the amount of {$1400.00}. With XXXX XXXX. I have tired to go to this companies website to see if I could look up this account but when I enter my information, I get a message that, Unfortunately, your account can be accessed with the information provided. Check to be sure you entered the information correctly. If you are unable to access your account, please call XXXX for further assistance. Thank you. 

I do not want to have phone contact with you. I entered in my information correctly. If this is a correct debt, my information should load an account. So, I have doubt the information is valid. 

I need full debt validation so that I can be fully informed, if it can not be provided this item should be deleted from all consumer credit reporting agencies. 

I would like details about your authority to collect this debt. 

How did you obtain this alleged debt? 

Please send verification of proof that you are able to collect this debt. Do you have a license in my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 


I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.

Company response to consumer: Closed with explanation