Debt collection -- Took or threatened to take negative or legal action -- Complaint #8860223
Complaint Overview
Complaint ID: 8860223
Company: Cl Holdings LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Missouri
ZIP Code: 631XX
Date Received: 2024-04-25T12:00:00-05:00
Date Sent to Company: 2024-04-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am unaware of this debt. I am writing to dispute the validity of the debt you claim I owe, as I have never received any notice regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide consumers with written notice of the debt within five days of the initial communication. However, I have not received any such notice from your agency. Without proper notification, I am unable to verify the accuracy or legitimacy of the debt in question. Therefore, I demand that you provide me with documentation supporting the existence and validity of this debt, including the certified receipt proof of the initial notice sent to me with my signature on it showing i received the proper notification. Until such time as you can provide adequate documentation and verification of this debt, I consider it disputed and request that you cease all collection activities. Please respond to this dispute in writing within 10 days, as required by law.
Frequently Asked Questions
What is Complaint #8860223 about?
Complaint #8860223 was filed against Cl Holdings LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-04-25T12:00:00-05:00.
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.