Consumer complaint received 2025-01-23 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> XXXX XXXX Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear XXXX, I am writing to formally dispute inaccurate information that remains on my credit report despite previous attempts to resolve these issues. I am entitled to accurate and complete reporting as outlined in the Fair Credit Reporting Act ( FCRA ), and I am requesting that XXXX investigate and correct the following errors : XXXX. XXXX XXXX XXXX XXXX, account number XXXX ( incorrect payment status and history ). 
XXXX. XXXX XXXXXXXX XXXX XXXX, account number XXXX, ( incorrect payment history and late payment reports ). 
XXXX. XXXX XXXX XXXX, account number XXXX, ( incorrect payment history and late payment reports ). 
XXXX. XXXX XXXX XXXX, Account number, XXXX, ( incorrect payment history and late payment reports ). 
XXXX. XXXX XXXX XXXX XXXX, Account number XXXX, ( incorrect payment status, history and late payment reports ). 
XXXX. XXXX, Account number XXXX, ( payment history, late payment report, duplicate entries ). 
XXXX. XXXX, Account number XXXX, ( payment history, late payment report, duplicate entries ). 
XXXX. XXXX XXXX XXXX XXXX, Account number XXXX, ( incorrect payment status, history and late payment reports ). 
XXXX XXXX XXXX XXXX  Account number XXXX, ( debt validation and payment status ). 
XXXX. XXXX XXXX XXXXXXXX, Account number XXXX, ( debt validation, inaccurate balance and payment status ). 
XXXX. XXXX XXXX XXXX, Account number XXXX, ( payment status and balance accuracy ). 
XXXX. XXXX XXXX XXXX, Account number XXXX, ( debt validation, inaccurate balance and payment status ). 
XXXX. XXXX XXXX XXXX, Account number XXXX, ( debt validation, inaccurate balance, payment status and litigation pending against creditor ( XXXX ). 
XXXX. XXXX XXXX XXXX, Account number XXXX, ( debt validation, inaccurate balance, payment status and litigation pending against creditor ( XXXX ). 

I believe XXXX has failed to conduct a reasonable reinvestigation, as required by the FCRA ( 15 U.S.C. 1681i ). My concerns align with issues raised in the recent CFPB lawsuit against XXXX ( XXXX XXXX. XXXX ), such as : Failure to forward relevant information and documentation to data furnishers during the dispute process. 
Reliance on inaccurate or incomplete responses from furnishers without further reinvestigation.

Misleading or incomplete notification of dispute outcomes, which left me unable to determine the status of the errors.

For your reference, I have enclosed : 1. A copy of my credit report highlighting the disputed items.

2. Documentation supporting my dispute, such as [ e.g., account statements, payment records, settlement agreements ]. 

Please conduct a thorough and reasonable reinvestigation of these items, provide a detailed explanation of your findings, and update my credit report to reflect the correct information. Additionally, if any disputed information can not be verified, I request its immediate removal as required by the FCRA. 

Failure to address this matter adequately may lead me to escalate my complaint to the Consumer Financial Protection Bureau or consider other legal remedies. 

Thank you for your prompt attention. I expect to hear from you within the statutory 30-day period. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation