Consumer complaint received 2018-08-09
Company: CL Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Between XX/XX/XXXX & XX/XX/XXXX ( there are no credit reports available to me between those dates for an exact date of the following ), an erroneous {$450.00} amount past due should up on my XXXX & XXXX credit reports. The erroneous creditor was XXXX XXXX - XXXX & the reported erroneous opening date of the account was XX/XX/XXXX. At that time, both my XXXX & XXXX credit scores dropped from XXXX to XXXX. There was also an erroneous hard inquiry by XXXX XXXX - XXXX on my XX/XX/XXXX XXXX, only, credit report. There was also an erroneous XXXX XXXX address listed as one of my past home addresses on both my XXXX & XXXX reports at this time. I assumed the address error was related to the past due error as I HAVE NEVER LIVED IN XXXX XXXX ; HAVE NEVER PURCHASED A SINGLE ITEM OR SERVICE FROM ANY XXXX XXXX ; & TO THE DAY OF SUBMITTING THIS CURRENT COMPLAINT, HAVE NEVER RECEIVED A SINGLE CORRESPONDANCE FROM XXXX XXXX. ( For the record, I have lived at my current address since XX/XX/XXXX. ) At the time all of this showed up on my credit reports, XX/XX/XXXX, I reported all of this to Consumer Financial Protection Bureau, XXXX XXXX, XXXX, & XXXX. There are no XXXX or XXXX credit reports available to me between XX/XX/XXXX & XX/XX/XXXX for an exact date of the following, but as of the XX/XX/XXXX credit reports, the XXXX XXXX home address was removed from both of my credit reports ; the XXXX XXXX account remained on my XXXX report as Previously Disputed, but closed ; & on my XXXX report as 1 Missing Payment, but closed. And, both my XXXX & XXXX credit scores went up from XXXX to XXXX. This XXXX XXXX - XXXX record was completed deleted between XX/XX/XXXX & XX/XX/XXXX on both my XXXX & XXXX credit reports. And my XXXX   credit score went up from XXXX to XXXX & my XXXX credit score went up from XXXX to XXXX. Around this time, I received a notice from a collection agency stating if they did not hear back from me within 30 days, they would put this same XXXX XXXX - XXXX collection on my credit report. Because this account had been marked as closed on both my XXXX & XXXX credit reports for almost two full years & removed completely for both of my credit reports by the time I received this correspondence, I assumed this notice was a fraudulent scammer trying to get my personal information to steal my identity ; so I shredded this notice. Then, on XX/XX/XXXX, this erroneous collection from XXXX XXXX - XXXX was once again reported on my XXXX, only, credit report by XXXX XXXX XXXX. And, my XXXX credit score dropped from XXXX to XXXX ; while as it should, my XXXX remained at XXXX. A person does not consistently earn a high 700s or 800+ credit scores at XXXX-years-old by not paying their legitimate bills & the one legitimate collection on each credit report was for medical services for which as soon as I was physically able, I paid in full as noted on my XXXX credit report! 

Please Note : I have no documents to attach because as noted, above, I HAVE NEVER PURCHASED A SINGLE ITEM OR SERVICE FROM ANY XXXX XXXX ; & TO THE DAY OF SUBMITTING THIS CURRENT COMPLAINT, HAVE NEVER RECEIVED A SINGLE CORRESPONDANCE FROM XXXX XXXX & shredded the notice, now assumed to be from XXXX XXXX XXXX believing it to be from a fraudulent scammer trying to get my personal information to steal my identity.

Company response to consumer: Closed with non-monetary relief