Consumer complaint received 2025-05-06 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: IL

Complaint narrative:
This document summarizes formal complaints regarding violations of federal consumer protection laws, based on the contents of my XXXX credit report. These complaints are being submitted to the Consumer Financial Protection Bureau ( CFPB ) for investigation and resolution. 
FCRA Violation Reporting Inaccurate Information ( 15 U.S.C. 1681e ( b ) ) XXXX  has failed to maintain accurate and up-to-date information in my credit file, in violation of the FCRA 1681e ( b ). Several tradelines report contradictory or outdated information. I dispute these entries as inaccurate and request reinvestigation and immediate correction or deletion. These inaccuracies negatively affect my creditworthiness and violate my rights under federal law.

FCRA Violation Failure to Properly Investigate Disputes ( 15 U.S.C. 1681i ( a ) ) I submitted disputes regarding several erroneous accounts on my credit report, yet XXXX has not properly investigated or marked the accounts as 'disputed by consumer ' as required under FCRA 1681i ( a ). This constitutes a failure to fulfill legal obligations under the FCRA and results in continued damage to my credit reputation.

FCRA Violation Obsolete Account Reporting ( 15 U.S.C. 1681c ( a ) ) XXXX is reporting negative information that is over 7 years old, in violation of FCRA 1681c ( a ). These items should have been automatically excluded from my credit file. Their continued presence is unlawful and misleading to potential creditors.

FDCPA Violation Misleading Collection Practices by Furnishers ( 15 U.S.C. 1692e ) The debt collectors listed in my credit report are misrepresenting the nature, amount, and status of debts in violation of FDCPA 1692e. This includes inflated balances and misdated accounts that appear to reset the statute of limitations. Such practices are deceptive and illegal.

FCRA Violation Lack of Permissible Purpose for Hard Inquiries ( 15 U.S.C. 1681b ) There are hard inquiries listed in my credit file for which I did not initiate credit applications or authorize access. Under FCRA 1681b, XXXX must ensure that all inquiries have a permissible purpose. I request immediate removal of these unauthorized inquiries.

FCRA Violation Failure to Clearly Identify Data Furnishers ( 15 U.S.C. 1681g ( a ) ( 2 ) ) Some accounts on my credit report do not identify the data furnisher clearly enough to allow me to dispute directly with them, which violates FCRA 1681g ( a ) ( 2 ). I request XXXX to correct these entries or remove them altogether.

Complaint XXXX Identity Theft and Class Action Concerns I am submitting this complaint regarding XXXX XXXX failure to protect consumer personal information, which has resulted in ongoing identity theft risks, unauthorized access, and widespread data breaches. Despite XXXX being entrusted with safeguarding highly sensitive consumer data, they have not taken adequate steps to notify or protect affected individuals, nor have they provided proper restitution or transparency. I am concerned that my personal data may have been compromised without my knowledge or consent, and I have suffered harm as a result, including increased risk of identity theft and fraudulent activity. 

I am requesting the CFPB to investigate XXXX security practices and enforcement of consumer notification obligations. I also seek to be informed of any active class action or enforcement proceedings in which I may qualify as a participant or claimant.

Company response to consumer: Closed with explanation