Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Regarding Inaccurate Late Payments and Missed Payments on Credit Report Dear Sir/Madam, I am writing to formally file a complaint regarding the inaccurate reporting of late payments and missed payments on my credit report, which is negatively impacting my credit score. Upon reviewing my credit report from [ Credit Reporting Agency ] dated [ Date of Report ], I have identified several entries that I believe are inaccurate, misleading, and in violation of my rights under federal law. 

Details of Inaccuracies : Account Name : XXXX XXXX  Account Number : XXXX Date ( s ) of Inaccurate Report : It continuously shows XXXX to 89 days past due with 20 missed payments. But my payments are up to date and not delinquent. Next payment is due XX/XX/XXXX and the payment is {$510.00}. 

Reported Late Payment/Missed Payment : It continuously shows 60 to 89 days past due with 20 missed payments. As of today XX/XX/XXXX this account is up to date. 

These entries do not reflect the accurate history of my payments and account management. To the best of my knowledge and record-keeping, I have not missed any payments, nor have I made payments that were late as reported. These inaccuracies appear to be a result of a system error, processing delay, or incorrect reporting from the creditor XXXX XXXX. 

Legal Basis for My Complaint : I am invoking my rights under the following federal laws and regulations : Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies and furnishers of credit information are legally required to ensure that the information they report is accurate, complete, and up-to-date. The FCRA further mandates that if a consumer disputes an item on their credit report, the credit reporting agency must investigate the dispute and resolve it within 30 days.

15 U.S.C. 1681e ( b ) : Requires that consumer reporting agencies maintain and report information that is accurate and fair to ensure the credit report is an accurate reflection of the consumer 's credit history.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Ensures that any consumer dispute regarding inaccurate information is investigated within 30 days by the credit reporting agency and the information is corrected or removed if it is found to be inaccurate.

Fair Debt Collection Practices Act ( FDCPA ) If these late payments are being reported by a third-party debt collector, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, prohibits collectors from reporting false information to credit bureaus.

15 U.S.C. 1692e ( 8 ) : States that debt collectors are prohibited from communicating false information about the status of any debt, including information related to late payments, missed payments, or non-payment.

Consumer Credit Protection Act ( CCPA ) Under Section 602 of the CCPA, all consumer reporting agencies must comply with requirements to report accurate data, and creditors are held accountable for providing accurate data to credit bureaus.

15 U.S.C. 1681s-2 ( a ) : Creditors must ensure that the information they provide to credit reporting agencies is accurate and must investigate any disputes regarding inaccuracies in their reporting.

Requested Actions : I respectfully request that the Consumer Financial Protection Bureau investigate the inaccuracies on my credit report. Specifically, I am asking that : The disputed entries related to late payments and missed payments be reviewed for accuracy and, if found to be incorrect, promptly removed or corrected.

The credit reporting agencies take immediate corrective action, including updating my credit report with accurate payment history.

A full investigation be conducted into any discrepancies with the reporting by my creditors, and any errors be rectified in accordance with the FCRA, FDCPA, and CCPA.

I have attached the relevant documentation to support my claim, including copies of my credit report, payment history, and any correspondence with the creditor ( s ) in question. Please confirm receipt of this complaint and keep me informed about the progress of your investigation.

Thank you for your attention to this important matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to ensure that my rights under federal law are protected. 

Sincerely, XXXX XXXX Attachments : Payment History Youve made 38 % of payments for this account on time.

Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Warning Warning Warning Warning Warning Warning XXXX Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning 2023 Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning Warning XXXX Warning Warning Warning Current Warning Late Warning Unknown Warning Derogatory Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Worst Payment Status 90-119 Days Late Account Details Account status Derogatory Type Automobile Responsibility Contractually liable Remarks Repossession ; redeemed Repossession ; redeemed Times 30/60/90+ days late XXXX Closed No Info Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation