Debt collection -- Attempts to collect debt not owed -- Complaint #13816345
Complaint Overview
Complaint ID: 13816345
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was already discharged in bankruptcy and is no longer owed
State: South Carolina
ZIP Code: 29673
Date Received: 2025-05-30T12:00:00-05:00
Date Sent to Company: 2025-05-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
These specific debt was charged off/ written off XX/XX/year>. I requested a 1099c for tax purposes and haven't received it yet, along with a removal from my credit report due to the inaccuracies. Under the provisions of Internal Revenue Code ( IRC ) Section 6050P and its corresponding Treasury Regulations, specifically 26 CFR 1.6050P-1, " applicable entities '' are required to report certain cancellations of indebtedness to the IRS and furnish a Form 109-C to the debtor.
Frequently Asked Questions
What is Complaint #13816345 about?
Complaint #13816345 was filed against Cl Holdings LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-30T12:00:00-05:00.
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 (Debt collection) 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.