Debt collection -- Attempts to collect debt not owed -- Complaint #14383742
Consumer disputes debt validity with CL Holdings LLC
Complaint Overview
Complaint ID: 14383742
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77423
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the consumer is alleging the debt is not theirs, which could lead to disputes over debt ownership and collection practices.
Consumer Sentiment: neutral
Topics: Debt collection, Debt validation, Improper debt collection
AI Analysis
CFPB complaint 14383742 was filed against CL Holdings LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against CL Holdings LLC regarding attempts to collect a debt that the consumer claims is not theirs. The complaint was received on June 30, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should gather all documentation related to the debt and respond in writing to the debt collector to dispute the debt and request validation.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics.
Regulatory Insight
Regulators may investigate if CL Holdings LLC is engaging in a pattern of collecting debts not owed by consumers, potentially violating the FDCPA.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Texas, and state-specific consumer protection laws may also apply to CL Holdings LLC's collection activities.
Industry Comparison
This situation is common in the debt collection industry, where disputes over debt validity and ownership frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 14383742 about?
CFPB complaint 14383742 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against CL Holdings LLC on June 30, 2025.
Which company is complaint 14383742 filed against?
Complaint 14383742 was filed against CL Holdings LLC. You can view all complaints against this company on their profile page at /company/cl-holdings-llc.
What was the company's response to complaint 14383742?
CL Holdings LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 14383742 filed?
Complaint 14383742 was received by the CFPB on June 30, 2025. It was sent to CL Holdings LLC on June 30, 2025.
What state was complaint 14383742 filed from?
Complaint 14383742 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 14383742?
Dispute information is not available for complaint 14383742.
What product category is complaint 14383742 about?
Complaint 14383742 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 14383742 submitted?
Complaint 14383742 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 14383742?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits abusive, deceptive, and unfair debt collection tactics. This relates to a Debt collection complaint against CL Holdings LLC involving "Attempts to collect debt not owed".
How likely is complaint 14383742 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 14383742?
This complaint is rated as medium risk. The risk is medium because the consumer is alleging the debt is not theirs, which could lead to disputes over debt ownership and collection practices.
What regulatory actions apply to complaint 14383742?
Regulators may investigate if CL Holdings LLC is engaging in a pattern of collecting debts not owed by consumers, potentially violating the FDCPA. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 14383742?
Consumers should gather all documentation related to the debt and respond in writing to the debt collector to dispute the debt and request validation.
Are there state-specific protections for complaint 14383742?
The complaint originates from Texas, and state-specific consumer protection laws may also apply to CL Holdings LLC's collection activities. This complaint was filed from Texas.
How does complaint 14383742 compare to industry norms?
This situation is common in the debt collection industry, where disputes over debt validity and ownership frequently arise.
What steps should a consumer take if they receive collection attempts for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector requesting debt validation and cease communication until validation is provided. They should also keep records of all communication.
Under what circumstances can a debt collector attempt to collect a debt that is not owed?
A debt collector should only attempt to collect a debt that is legally owed by the consumer. If the debt is not owed, or if the consumer disputes it and provides evidence, the collector must cease collection efforts until the debt is validated.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.