Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
Debt Validation Request XX/XX/year> To Whom It May Concern, This is a formal request for validation of an alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681.

You are hereby notified that I dispute the validity of the debt you claim I owe and am requesting full and complete validation. Until proper documentation is provided, you must cease all collection activity, including reporting to the credit bureaus.

Please provide the following information in writing : 1. Full Documentation of the Alleged Debt : - A copy of the original contract or agreement that created the debt, including terms, interest rates, and my consent.

- A complete and itemized breakdown of the balance, including : - The original amount of the debt.

- All fees, interest, penalties, and other charges added.

- Any payments made, and their corresponding dates and amounts.

- The current claimed balance and how it was calculated.

2. Ownership and Legal Right to Collect : - Documentation proving your legal ownership or assignment of the debt, including : - Bill ( s ) of sale, assignment contracts, or flow agreements.

- A complete chain of custody/title, from the original creditor to your agency.

- The date and terms of each transfer of ownership.

- Evidence of your legal authority to collect in the applicable jurisdiction.

3. History of Collection Actions Taken : Please provide a detailed log of actions taken by your company or any previous owners of the debt, including : - Dates of all letters, phone calls, or emails sent or attempted.

- Dates of default, charge-off, sale, or transfer of the account. 
- Date the account was reported to any credit bureaus ( XXXX XXXX XXXX XXXX. 
- Reason for any negative labels ( e.g., Potentially Negative or Delinquent ) applied to the account. 

4. Communication and Compliance History : - Copies of all communications sent to me about this debt.

- Confirmation of your FDCPA and FCRA compliance in this matter.

- If any legal action was initiated, provide case numbers and court documents.

5. Credit Reporting Impact : - A record of what has been reported to the credit bureaus and on what dates.

- Evidence that any reporting is accurate, complete, and not misleading as required by federal law.

If you are unable to fully validate the debt and your authority to collect it, you are required by law to : - Cease all collection efforts immediately, and - Remove any reported data from consumer reporting agencies.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals office, and may result in legal action.

You are hereby advised that this is a legal request for validation and verification and should be treated with the urgency and seriousness it warrants.

Sincerely, [ No Signature or Personal Info Included ]

Company response to consumer: Closed with explanation