Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : [ Insert Your Phone Number ] Email : [ Insert Your Email Address ] Date : XX/XX/XXXXXXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Urgent Complaint and Dispute Unauthorized Hard Inquiries and Negative Credit Reporting While on XXXX XXXX XXXX Dear CFPB Representative, My name is XXXX XXXX XXXX, XXXX, and I am an XXXX XXXX member of the XXXX XXXX XXXXXXXX. I am submitting this formal complaint and request for investigation under the rights afforded to me as a protected servicemember and consumer. My XXXX  credit report contains unauthorized hard inquiries and inaccurate, potentially fraudulent negative accounts that I did not authorize, which I am now seeking to have deleted immediately under the following legal protections. 



Unauthorized Hard Inquiries ( Without My Consent ) : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Numerous dates between XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX These inquiries were made without my permission and in most cases appear to be repeated or abusive. I did not authorize any applications for credit with these entities, and I demand that all listed inquiries be deleted immediately. 



Negative Accounts to Be Deleted Immediately : XXXX. XXXX Potentially Negative XXXX. XXXX of XXXX XXXX Potentially Negative XXXX. XXXX XXXX XXXX Potentially Negative XXXX. Jefferson Capital Systems Potentially Negative XXXX. XXXX / XXXX XXXX Potentially Negative XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Nevada Potentially Negative XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Potentially Negative XXXX. XXXX XXXX XXXX ( 2 ) listings marked as Potentially Negative I have not received validation for any of these debts and never authorized these tradelines. Given the laws below, I am demanding that these accounts be permanently deleted from my Experian report. 



Legal Grounds for Deletion and Protection : 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( f ) : No party may obtain or furnish a consumer report without a legitimate permissible purpose and written authorization. These inquiries and tradelines violate that requirement.

2. Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937 : I am entitled to enhanced protections from credit-related harm while on XXXX XXXX. Unvalidated or fraudulent negative reporting violates these rights and causes unjust harm to my creditworthiness. 
3. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) : It is illegal to report inaccurate or unverified information to a credit bureau, especially when its known to be false or disputed.

4. FTC v. TRW , Inc., 784 F. Supp. 361 ( XXXX XXXX. XXXX ) : This case reinforces that consumer reporting agencies have a duty to investigate and ensure accuracy. When they fail to do so, they can be held liable. 



What I Am Requesting : Immediate deletion of all listed unauthorized inquiries from my XXXX  credit report.

Immediate deletion of all listed negative accounts that are inaccurate, unverified, or fraudulent.

Full investigation into each entitys furnishing practices and validation methods. 
Confirmation in writing from the CFPB and XXXX  that these items have been removed.

Company response to consumer: Closed with explanation