Debt collection -- Took or threatened to take negative or legal action -- Complaint #15634810
Consumer Demands Debt Collector Cease Communication and Verify Old Debt
Complaint Overview
Complaint ID: 15634810
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened to sue you for very old debt
State: Mississippi
ZIP Code: 395XX
Date Received: 2025-08-31T12:00:00-05:00
Date Sent to Company: 2025-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer is exercising their FDCPA rights to stop communication and is requesting debt validation, which if not handled properly by the collector, could lead to further complaints.
Consumer Sentiment: neutral
Topics: Debt collection, Fair Debt Collection Practices Act (FDCPA), Cease and desist letter, Debt validation
AI Analysis
CFPB complaint 15634810 was filed against CL Holdings LLC regarding Debt collection (Credit card debt), specifically about "Took or threatened to take negative or legal action". A consumer sent a cease and desist letter to CL Holdings LLC regarding an alleged debt, asserting their rights under the FDCPA and requesting debt verification. The complaint was received on August 31, 2025 from Mississippi. The company responded with "Closed with explanation".
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Subject : Cease and Desist Notice Regarding Alleged Debt To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding any alleged debt you claim I owe. This letter serves as notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), which grants me the right to request that a debt collector stop contacting me. You are hereby instructed to cease all forms of communication with me, including phone calls, letters, emails, or any other method of contact. Should you believe that I owe this alleged debt, you may only contact me to inform me of one of the following : XXXX. That your collection efforts are being terminated ; XXXX. That you may invoke specified remedies which are ordinarily invoked by debt collectors ; or XXXX. That you intend to invoke a specified remedy. Be advised that failure to comply with this request may be considered a violation of federal law and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the Attorney Generals office. I request that you also provide written verification of the debt, as required by the FDCPA, including the name of the original creditor, the amount of the debt, and documentation supporting the validity of the debt, if you have not already done so. Thank you for your cooperation. Sincerely, XXXX XXXX
What You Should Do -- Consumer Action Plan
If you receive unwanted debt collection communications, you have the right to request the collector cease contact and provide verification of the debt.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) grants consumers the right to request debt collectors stop contacting them and to request verification of the debt.
Regulatory Insight
Debt collectors must cease communication once a consumer sends a cease and desist letter, except under specific circumstances outlined in the FDCPA.
Resolution Likelihood
likely
State-Specific Consumer Protections
Mississippi law may have additional protections or regulations regarding debt collection practices beyond federal law.
Industry Comparison
This situation is common in the debt collection industry, where consumers frequently assert their FDCPA rights.
Related Issues
Frequently Asked Questions
What is CFPB complaint 15634810 about?
CFPB complaint 15634810 involves Debt collection (Credit card debt). The consumer reported an issue with "Took or threatened to take negative or legal action", specifically "Threatened to sue you for very old debt". This complaint was filed against CL Holdings LLC on August 31, 2025.
Which company is complaint 15634810 filed against?
Complaint 15634810 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 15634810?
CL Holdings LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 15634810 filed?
Complaint 15634810 was received by the CFPB on August 31, 2025. It was sent to CL Holdings LLC on August 31, 2025.
What state was complaint 15634810 filed from?
Complaint 15634810 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 15634810?
Dispute information is not available for complaint 15634810.
What product category is complaint 15634810 about?
Complaint 15634810 is categorized under "Debt collection", specifically "Credit card debt". This is one of the product categories tracked by the CFPB.
How was complaint 15634810 submitted?
Complaint 15634810 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 15634810?
The Fair Debt Collection Practices Act (FDCPA) grants consumers the right to request debt collectors stop contacting them and to request verification of the debt. This relates to a Debt collection complaint against CL Holdings LLC involving "Took or threatened to take negative or legal action".
How likely is complaint 15634810 to be resolved?
Resolution likelihood: likely. 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 15634810?
This complaint is rated as medium risk. The consumer is exercising their FDCPA rights to stop communication and is requesting debt validation, which if not handled properly by the collector, could lead to further complaints.
What regulatory actions apply to complaint 15634810?
Debt collectors must cease communication once a consumer sends a cease and desist letter, except under specific circumstances outlined in 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 15634810?
If you receive unwanted debt collection communications, you have the right to request the collector cease contact and provide verification of the debt.
Are there state-specific protections for complaint 15634810?
Mississippi law may have additional protections or regulations regarding debt collection practices beyond federal law. This complaint was filed from Mississippi.
How does complaint 15634810 compare to industry norms?
This situation is common in the debt collection industry, where consumers frequently assert their FDCPA rights.
What happens if CL Holdings LLC continues to contact the consumer after receiving the cease and desist letter?
If CL Holdings LLC continues to contact the consumer after receiving the cease and desist letter, they may be in violation of the FDCPA, which could lead to further complaints to regulatory bodies and potential legal action by the consumer.
What specific information should be included in the debt verification requested by the consumer?
The consumer requested written verification including the name of the original creditor, the amount of the debt, and documentation supporting the validity of the debt, as required by the FDCPA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.