Consumer complaint received 2025-10-27 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: NJ

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Dispute and Request for Investigation Pursuant to FCRA and FDCPA To Whom It May Concern, I am writing to file a formal dispute and complaint against one or more entities that have furnished inaccurate, incomplete, or unverifiable information to the credit reporting agencies. This letter serves as an official request for the Consumer Financial Protection Bureau ( CFPB ) to investigate these violations under the authority granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1. Basis of Dispute I have identified certain information being reported on my credit profile that is erroneous, incomplete, or unverifiable. Pursuant to 15 U.S.C. 1681i ( a ), I am exercising my right to dispute this information and demand an immediate reinvestigation by the credit reporting agencies and the furnishers of such data.

Under 15 U.S.C. 1681s-2 ( b ), once a furnisher is notified of a dispute, they are legally obligated to conduct a reasonable investigation and correct or delete any information found to be inaccurate. Failure to comply constitutes a willful violation of the FCRA. 

2. Violations of the FCRA The following violations are alleged : Failure to ensure maximum possible accuracy of information under 15 U.S.C. 1681e ( b ).

Failure to properly reinvestigate disputed items as required under 15 U.S.C. 1681i ( a ).

Failure to provide the results of reinvestigation and corrected reports under 15 U.S.C. 1681i ( a ) ( 6 ).

Continued reporting of inaccurate information after notice of dispute, violating 15 U.S.C. 1681s-2 ( b ).

Reinsertion of previously deleted information without proper certification, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

3. Violations of the FDCPA ( if debt collectors are involved ) If a debt collector is reporting or attempting to collect the disputed debt, they may also be in violation of the Fair Debt Collection Practices Act, including : Communicating false or misleading credit information under 15 U.S.C. 1692e ( 8 ).

Continuing collection activity after a debt has been disputed without proper verification, violating 15 U.S.C. 1692g ( b ).

Unfair or unconscionable collection practices under 15 U.S.C. 1692f.

4. Requested Action I respectfully request that the CFPB : Initiate a full investigation into the entities furnishing and reporting this inaccurate information. 

Ensure deletion or correction of any information found to be inaccurate or unverifiable. 

Require proof of verification from the data furnisher if they claim the disputed information is accurate. 

Impose appropriate penalties and sanctions for any willful or negligent noncompliance with the FCRA and FDCPA. 

Provide written confirmation of the actions taken as a result of this complaint. 

5. Supporting Documentation Enclosed are copies of all relevant documents supporting my dispute, including : Credit report excerpts highlighting disputed items Correspondence with credit bureaus and furnishers Any proof of payment, settlement, or identity theft documentation ( if applicable ) 6. Final Statement As a consumer protected under federal law, I expect a thorough and timely investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ) and 12 C.F.R. 1022.43. If these violations are not promptly corrected, I will consider pursuing further remedies including civil action under 15 U.S.C. 1681n and 1681o for damages, attorneys fees, and court costs. 

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and provide updates as your investigation proceeds. 

Sincerely, XXXX XXXX XXXX XXXX Enclosures : Copies of supporting documents, credit report excerpts, correspondence evidence

Company response to consumer: Closed with explanation