Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC
State: TX

Complaint narrative:
1. Personal Information Discrepancies** - **Name** : XXXX XXXX XXXX XXXX XXXX XXXX As : XXXX XXXX ) XXXX **Year of Birth** : XXXX XXXX **Correct Address** : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - **Incorrect Addresses Reported** : - XXXX XXXX XXXX XXXX XXXX, TX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX2. Violations Related to XXXX XXXX. Inaccurate Reporting of Personal Information** - **FCRA 605, 607** : XXXX has reported multiple incorrect addresses and personal information based on false data verification.

**B. Failure to Conduct Proper Investigations** - **FCRA 611 ( a ) ** : XXXX conducted a superficial reinvestigation, resulting in an automated response without addressing the inaccuracies. 

**C. Use of Variable " X '' for Account Numbers** - **FCRA 607 ( b ) ** : The reporting of account numbers using variable " X '' is misleading and undermines the accuracy of my financial information.

**D. Ignoring FTC Report and Proof of Identity** - **FCRA 611 ( a ) ** : XXXX failed to rectify discrepancies despite my submission of the FTC report and proof of identity.

**E. Misrepresentation of Credit Accounts** - **FCRA 609** : XXXX reported derogatory accounts without validating their accuracy, infringing upon my consumer rights. 


**3. Violations Related to XXXX, XXXX, and SageStream** **A. Unauthorized Collection and Selling of Personal Information** - **FCRA 604** : These agencies have engaged in buying, selling, and disclosing my personal information without my consent.

**B. Lack of Transparency and Disclosures** - **FCRA 609** : Failing to provide disclosures about how my information is collected, used, and shared with third parties. 

**C. Inadequate Investigative Procedures** - **FCRA 611** : These agencies rely on automated responses rather than conducting thorough investigations into my disputes.

**D. Improper Verification Practices** - **FCRA 609** : Using outdated or inaccurate information for verifying credit history leads to wrongful reporting.

**E. Inaccurate Reporting of Data** - **FCRA 607 ( a ) ** : Reporting and selling inaccurate data about my credit history misrepresents my financial status. 

XXXX XXXX XXXX XXXX XXXX*4. Violations Related to XXXX XXXX. Failure to Disclose Debt Information** - **FDCPA 809** : XXXX did not provide accurate details about the debts purchased, violating my rights under the Fair Debt Collection Practices Act. 

**B. Improper Selling of Debt** - **FDCPA 807** : Selling my debt without relieving the original debt holder of financial responsibilities misleads me about my obligations. 

**C. Lack of Updated Records** - **FDCPA 809** : The company has failed to update records to reflect the sale of the debt, leading to inaccuracies on my credit report.

**D. Unauthorized Disclosure of Personal Information** - **FDCPA 805** : The agency sold my personal information related to derogatory accounts without my consent. 

# # # # **5. General Violations Across All Agencies** **A. False Reporting Affecting Credit Scores** - **FCRA 605** : Derogatory accounts based on inaccurate information have negatively impacted my XXXX scores unjustly. 

**B. Neglect of Consumer Rights** - **FCRA 609** : All parties have failed to validate derogatory accounts or provide adequate disclosures regarding the information on my credit report.

**C. Selling of Debt Without Consent** - **FDCPA 807** : Continuing to hold me responsible for sold debt without disclosing the amount sold or any changes to my obligations violates fair debt collection practices. 

**D. Admission of Selling Personal Information** - **FCRA 604** : Acknowledging the sale of my personal information through debt transactions without my consent constitutes illegal activity.

# # # **6. Additional Violations Not Previously Mentioned** **A. Automated Responses and Lack of Compassion** - **FCRA 611** : The use of automated systems to handle disputes shows a lack of compassion and respect for my personal information.

**B. Fraudulent Applications and Identity Theft Alerts** - **FCRA 605** : Fraud alerts regarding my identity were not addressed properly, which could lead to further fraudulent applications in my name. 

XXXX. Inaccurate XXXX Scores Due to Misreported Data** - **FCRA 605** : The use of illegally disclosed and shared personal information has led to inaccuracies in my XXXX scores and credit utilization. 

**Conclusion** In summary, all parties involved have committed numerous violations of consumer rights and credit reporting regulations. The inaccuracies in my personal information, the unauthorized collection and sale of my data, and the improper handling of my credit accounts are unacceptable. I request that the Consumer Financial Protection Bureau investigate these matters thoroughly and take appropriate action to rectify these violations.

Company response to consumer: Closed with explanation