Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Report Information under the FCRA To Whom It May Concern, I am writing to formally dispute certain items on my credit report that XXXX is currently reporting under my file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I request that the following entries be investigated for accuracy and completeness, and removed if not verified with proper documentation.

1. 
1. XXXX XXXX XXXX Account # Ending in XXXX and XXXX These accounts appear to be duplicate reports of the same debt, each showing charge-off status. Reporting the same debt multiple times under different account numbers is misleading and violates the FCRAs accuracy provision under 607 ( b ).

Request : Please investigate and remove any duplicate or inaccurate listings.

2.

2. Jefferson Capital Systems Account # Ending in 3386 This account is reported as Charged Off and simultaneously Closed at credit grantors request, with conflicting payment information. Under 611 ( a ) ( 5 ), this must be corrected or deleted if unverifiable. 

Request : Please provide documentation supporting this reporting, or delete the item entirely. 
3. 
XXXX. XXXX XXXX XXXX XXXX XXXX Account # Ending in XXXX This collection is reported as charged off yet shows inconsistent payment history. As this debt has been disputed previously, full validation per FCRA 609 ( a ) ( 1 ) is requested. 

Request : Please provide complete verification or remove the entry. 
4. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX and Jefferson Capital I have not received validation of these debts despite past requests. If validation can not be produced, continued reporting may constitute a violation of 609 and 611. 

Request : Please confirm the legitimacy of each entry or delete them. 
5. 
5. Unverified Hard Inquiries I have noticed inquiries on my credit file that I do not recall authorizing. Under 604 of the FCRA, inquiries must be based on permissible purpose. 

Request : Please provide a list of hard inquiries with the name of the party who initiated the request XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information under the FCRA To Whom It May Concern, This letter is a formal dispute of inaccurate and unverifiable items listed on my XXXX credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I am requesting a full reinvestigation of the entries listed below. If the information can not be fully verified, it must be promptly removed or corrected.

1. 
XXXX. XXXX XXXX XXXX Multiple Account Listings XXXX appears to be reporting the same debt across multiple accounts. This practice may result in duplicate negative reporting, which violates FCRA 607 ( b ). 

Request : Please investigate and remove any duplicate or inaccurate entries. 
2. 
XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX Duplicate or Overlapping Entries These creditors appear to report multiple accounts that may represent the same debt or are incorrectly itemized. Please confirm whether these are legitimate, distinct debts.

Request : Validate and remove any duplicate or misreported accounts.

3. 
3. Jefferson Capital Systems Ambiguous Charge-Off Reporting This account shows a charge-off with unclear or contradictory payment information. Under FCRA guidelines, all data must be accurate and not misleading. 

Request : Please validate this accounts accuracy or remove it if verification can not be provided. 
4.

4. Collection Accounts ( XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  ) Lack of Validation These collection items are not accompanied by proper validation as required under FCRA 609 ( a ) ( 1 ). I have not received full documentation proving the validity of these debts. 

Request : Provide documentation validating each account or remove them entirely. 
5.

5. Possibly Re-aged or Outdated Accounts Some negative accounts may be reported beyond the 7-year limitation defined under FCRA 605 ( a ). Additionally, some entries lack clear dates of first delinquency, suggesting possible re-aging. 

Request : Please delete any accounts that exceed the legal reporting period. 
XXXX. 
XXXX. Unauthorized XXXX Inquiries My credit file shows several hard inquiries I do not recognize or recall authorizing. Under FCRA XXXX, all inquiries must be supported by a permissible purpose and consumer consent. 

XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Report Information under the FCRA To Whom It May Concern, I am writing to formally dispute several items on my XXXX credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 611 ( 15 U.S.C. 1681i ), I request that the following accounts and inquiries be investigated for accuracy and completeness. Any items that can not be fully verified or are found to be misreported must be corrected or removed promptly. 
1. 
XXXX. XXXX XXXX XXXX Multiple Account Numbers These entries appear to reflect the same underlying debt, yet they are reported under different account numbers. This may constitute duplicate reporting and a violation of FCRA 607 ( b ), which requires accuracy in credit reporting.

Request : Please investigate and remove any duplicate entries.

2. 
XXXX. XXXX XXXX XXXX Duplicate Collection Accounts There are multiple listings under XXXX XXXX that seem to reflect the same obligation. These entries lack supporting documentation and appear redundant. 

Request : Please verify these accounts and remove any duplicates. 
3. 
XXXX. XXXX XXXX XXXX Inconsistent Reporting This account is reported as charged off, yet it contains inconsistent balance or payment status information post charge-off. Such inconsistencies violate the FCRAs requirement for accurate and complete data. 

Request : Please validate the account and correct or remove it if discrepancies remain unresolved. 
4. 
XXXX. Jefferson Capital Systems Ambiguous Account Status This entry shows a charged-off status while also reporting recent updates without sufficient explanation or verification. If the account is not active or validated, it must be corrected or removed. 

Request : Please provide documentation or remove the entry. 
5. 
XXXX. XXXX and Other Collection Agencies Missing Validation These collection accounts do not contain documentation validating the debt, and I have not received proper notices under FCRA 609 ( a ) ( 1 ). Continued reporting without validation is unlawful. 

Request : Please provide full validation or remove these accounts. 
6. 
6. Potentially Re-aged or Outdated Accounts Several negative entries may be older than seven years from the date of first delinquency, which violates the FCRA 605 ( a ). I request a review to determine if any accounts have been unlawfully re-aged. 

Request : Please remove any accounts reporting past the legal reporting window. 
7.

7. Unauthorized Hard Inquiries There are hard inquiries on my report that I do not recognize or recall authorizing. Under 604 of the FCRA, a permissible purpose is required for such access.

Company response to consumer: Closed with explanation