Consumer complaint received 2025-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Ca XXXX XXXX Cell ( XXXX ) XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Formal Dispute and Notice of Civil Liability for Negligence Under 15 U.S. Code 1681o To whom it may concern, I am writing to formally dispute the inaccurate and/or misleading information that appears on my credit report. As a consumer, I have the right under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported about me is accurate, complete, and verifiable. However, you have failed in your legal duty to maintain reasonable procedures to assure the accuracy of the information, as required under 15 U.S. Code 1681o ( Civil liability for negligence ). 
Disputed Information : XXXX. XXXX XXXX XXXX XXXX ] I do not have knowledge of this account from XXXX. It has been over XXXX years since I had an account at XXXX. The date opened states XX/XX/XXXX. I have received unsolicited messages on my cell phone from this company addressing me as XXXX XXXX which is incorrect. XXXX XXXX is sending those messages to collect " remove '' from another collections account on my report from XXXX XXXX. 
XXXX. XXXX XXXX XXXX  XXXX The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. Elon Musks DOGE breach is a clear violation of FERPA and my information was compromised which led to a XXXX decrease in points on my credit score abruptly approximately around XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX XXXX I did not receive proper notice for the payment before it was purchased by a creditor. This is an unfair debt collection practice. 

Under the FCRA, you are required to investigate this matter and correct any inaccuracies within 30 days of receiving this dispute. Failure to do so constitutes negligence, which subjects you to civil liability under 15 U.S. Code 1681o. Specifically : You may be liable for actual damages I have suffered as a result of your negligence.

You may also be responsible for my court costs and attorneys fees should legal action become necessary.

Requested Action : To resolve this matter, I request that you : 1. Conduct a full and reasonable reinvestigation into the disputed accounts. 
2. Provide me with documentation verifying the accuracy of the information reported.

3. Remove or correct any information found to be inaccurate, outdated, or unverifiable.

4. Send me an updated copy of my credit report ( if disputing with a credit bureau ).

Please respond in writing within the legally required timeframe. If you fail to correct this issue, I will have no choice but to pursue all legal remedies available to me, including filing a lawsuit for damages under 15 U.S. Code 1681o. 
I have enclosed copies of my credit report with the disputed items highlighted, along with any supporting documentation. Please consider this my formal notification of dispute. 
Thank you for your prompt attention to this matter. I expect a response within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation