Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: VA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a debt that is being improperly and repeatedly reported on my consumer credit report, despite the fact that I do not owe this debt, it has not been verified, and it is being reported more than once. 

I have formally disputed this account, yet the creditor and/or debt buyer continues to furnish negative information to the credit reporting agencies without lawful verification and in a manner that is misleading and inaccurate. 



Duplicate Reporting of the Same Alleged Debt The same alleged debt is currently being reported more than once, either : Under different account numbers, By the same company multiple times, or By related entities for the same obligation. 

This practice artificially inflates my level of indebtedness, causes additional harm to my credit profile, and constitutes inaccurate and misleading reporting. 

Under the Fair Credit Reporting Act, furnishers are required to ensure that information reported is accurate, complete, and not misleading. 



Violations of the Fair Credit Reporting Act ( FCRA ) Under 15 U.S.C. 1681s-2 ( b ), once a furnisher receives notice of a dispute, it must : Conduct a reasonable investigation Review all relevant information Modify, delete, or permanently block information that is inaccurate or can not be verified Further, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits a furnisher from reporting information it knows or has reasonable cause to believe is inaccurate. 

Duplicate reporting of the same debt is inherently inaccurate and misleading and violates these provisions. 

Additionally, pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ), any information that can not be verified or is inaccurately reported must be deleted. 

To date, no competent evidence has been produced to substantiate this account, including : A signed contract or agreement Proof of assignment or ownership of the debt A complete account history Documentation demonstrating that this debt is legally owed by me Violations of the Fair Debt Collection Practices Act ( FDCPA ) If this account is being reported by a debt collector or debt buyer, continued reporting without verification and through duplicate tradelines violates the Fair Debt Collection Practices Act. 

Under 15 U.S.C. 1692g ( b ), once a debt is disputed, the debt collector must cease collection activities until the debt is properly validated. The CFPB recognizes credit reporting as a collection activity. 

Additionally, 15 U.S.C. 1692e prohibits the use of false, deceptive, or misleading representations, including : Misstating the amount of debt owed Reporting the same debt multiple times Creating a false impression of increased indebtedness Violations of CFPB Regulation F ( Purchased / Aged Debt ) This account appears to involve a purchased or transferred debt, subject to CFPB Regulation F ( 12 C.F.R. Part 1006 ). 

Under 12 C.F.R. 1006.34 ( c ), debt collectors must possess and provide specific validation information, including : The name of the original creditor The amount of the debt with proper itemization Documentation demonstrating the debt belongs to the consumer Absent this information, continued reportingparticularly duplicative reportingis improper and unlawful. 



Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) Reporting an unverified debt more than once constitutes an unfair and deceptive act or practice under 12 U.S.C. 5531 and 5536, as it : Misrepresents the consumers financial obligations Causes substantial injury Is not reasonably avoidable by the consumer

Company response to consumer: Closed with explanation