Consumer complaint received 2025-01-22 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: SC

Complaint narrative:
Re : Dispute of Inaccurate Information on Credit Report I am writing to formally dispute several inaccuracies in my credit report that remain unresolved, despite my prior attempts to address these issues. My experience reflects many of the problems cited in the Consumer Financial Protection Bureau ( CFPB ) XXXX recent lawsuit against XXXX ( Case No. XXXX ), including : Failure to Conduct Reasonable Reinvestigation : XXXX has not adequately XXXX the information I disputed. Specifically, it appears that critical evidence and supporting documentation I submitted were ignored. 

Mischaracterization of Disputes : XXXX dispute process misrepresented or oversimplified the basis for my disputes, leading to insufficient and erroneous resolutions. 

Inadequate Results Notification : The results of the reinvestigation provided to me were unclear and contradictory, failing to identify what information was updated, if anything, or whether the inaccuracies I disputed were corrected. 

Failure to Delete Inaccurate Information : The inaccurate information I challenged remains on my credit report, which directly contradicts Experians obligation under the Fair Credit Reporting Act ( FCRA ) to ensure maximum possible accuracy of consumer reports. 

Disputed Accounts Below, I have listed the inaccurate items along with details of the disputes : Jefferson Capital Systems Issue : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX XXXX XXXXXXXX : I have no knowledge of this account, this account does not belong to me. 

XXXX XXXX : I have no knowledge of this account, this account does not belong to me. 
XXXX Issue : Inaccuracies in payment history XXXX Finance Issue : Inaccuracies in payment history Supporting Documentation I have attached screenshots to support my dispute. 

Legal Obligations Under the FCRA Under the FCRA, you are required to : Conduct a thorough and reasonable reinvestigation of disputed information within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

Accurately communicate all relevant information I provide to the furnishers of the disputed accounts ( 15 U.S.C. 1681i ( a ) ( 2 ) ).

Remove or correct any information found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Provide clear and accurate results of the reinvestigation ( 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) ).

Request for Resolution I request that you : Immediately delete or correct the disputed items in my credit report. 

Provide me with a complete and clear explanation of the results of your investigation. 

Notify me of any reinsertion of deleted items as required by law. 

Failure to address these issues may leave me with no option but to pursue further action, including filing complaints with the CFPB and considering legal remedies. 

I expect your response within the XXXX statutory period. Please send the results of your reinvestigation to my address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation