Consumer complaint received 2025-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Md XXXX XXXX XXXXXXXX XXXXXX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Incorrect Address and Erroneous Account Reporting by XXXX Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate reporting by XXXX, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Despite my clear request to have the incorrect address of XXXX XXXX XXXX, XXXX, MD XXXX removed from my credit file, XXXX has refused to do so, citing an alleged link to an account in dispute with Jefferson Capitala debt that is not mine and has no legitimate association with me. 
Additionally, I have requested the removal of fraudulent names that have been incorrectly associated with my credit file, including XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. My married name was never spelled this way ; the correct spelling is XXXX XXXX. The continued presence of these incorrect names further damages my credit profile and creates unnecessary confusion. 
This incorrect address does not appear on my credit files with XXXX or XXXX further proving its inaccuracy. I demand that XXXX provide verifiable proof that I have ever resided at this address, as required under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies ( CRAs ) investigate disputed information within 30 days and correct or delete any inaccurate or unverifiable data. 
Furthermore, I demand that XXXX  and Jefferson Capital produce tangible evidence linking me to the alleged account referenced under this address. Under 15 U.S.C. 1681s-2, a data furnisher ( Jefferson Capital ) is legally obligated to ensure that reported information is accurate and to investigate disputes in a timely manner. Failure to provide such documentation constitutes willful noncompliance under 15 U.S.C. 1681n, entitling me to legal remedies including statutory and punitive damages.

I am hereby requesting the following actions : 1. The immediate removal of the incorrect address ( XXXX XXXX XXXX, XXXX, MD XXXX ) from my credit file at XXXX 
2. The immediate removal of fraudulent names ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX ) from my credit file at XXXX 
3. Proof that I have ever resided at or had any financial ties to this address. 
4. Full validation and verification of the alleged XXXX XXXX account, including original documentation bearing my signature or legal authorization.

5. If XXXX and Jefferson Capital can not verify this information, they must delete the erroneous account and any associated data from my credit report immediately, per FCRA requirements.

Should XXXX and Jefferson Capital fail to comply, I will pursue all available legal remedies, including filing complaints with the Federal Trade Commission ( FTC ), the Office of the Attorney General, and seeking damages through civil litigation for willful noncompliance under 15 U.S.C. 1681n.

I expect a prompt response and correction of these violations within the required 30-day investigation period. Please confirm receipt of this letter and provide all requested documentation to my mailing address above. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation