Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #12733832
Complaint Overview
Complaint ID: 12733832
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Georgia
ZIP Code: 31324
Date Received: 2025-03-30T12:00:00-05:00
Date Sent to Company: 2025-03-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Debt Validation and Assignment Details Under 15 U.S.C. 1692g This letter is in response to your recent communication regarding an alleged debt you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of the alleged debt and detailed information regarding the assignment and ownership of the debt. Please provide the following documentation : 1. The amount of the alleged debt, including a breakdown of principal, interest, fees, and other charges. 2. The name of the original creditor, and the account number associated with the original account. 3. A copy of the original agreement that bears my signature and shows I have a legal obligation to pay this debt. 4. Documentation showing that you are authorized to collect on this debt, including a full chain of assignment from the original creditor to your agency, with dates and names of all entities that have owned or collected on this debt. 5. The date of default or charge-off and any applicable statute of limitations information. Please also confirm whether this alleged debt is being reported to any credit reporting agencies. If so, I formally dispute the debt and request it be marked as " disputed '' in accordance with 15 U.S.C. 1692e ( 8 ). Until this information is provided, I request that you cease all collection activities, including reporting to credit bureaus, as required by law. This is not a refusal to pay, but a request for validation. Be advised that any failure to respond with the requested documentation will be considered a waiver of your claim and a violation of the FDCPA.
Frequently Asked Questions
What is Complaint #12733832 about?
Complaint #12733832 was filed against Cl Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-03-30T12:00:00-05:00.
How did Cl Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Cl Holdings LLC?
Yes, visit the Cl Holdings LLC company profile at readthecomplaint.com/company/cl-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.