Consumer complaint received 2024-09-22 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, texas XXXX XXXX XXXX I am writing to formally dispute an inaccurate or incomplete information in my credit reports, according to XXXX, XXXX and XXXX reports. 
I noticed some things are incomplete and inaccurate, and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual according to 15 USC 1681 ( e ) ( b ). Erroneous information should make the credict account removed.

The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

Account name : JEFFERSON CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Account number : XXXX I looked at my credit bureaus reports ( XXXX, XXXX and XXXX XXXX and i have found incomplete information and erroneous information. Please check and verified next information and if its incomplete, the account should be removed. 

XXXX : I found that its says my ACCOUNT TYPE as ( OTHER ). In this report theres sections like ACTUAL PAYMENT AMOUNT, LAST PAYMENT where they do not say the amount that should provided, concluding they do not have ENOUGH information to give those datas. 
XXXX : I found that its says my ACCOUNT TYPE as ( DEBT BUYER ) TrasnUnion : I found that its says my ACCOUNT TYPE as ( OPEN ACCOUNT ). Also XXXX report does not give me payment history I have found all that inaccurate and incomplete information, according to the Credit Bureaus XXXX, meaning they have violated my rights. Please removed this account off my Credit Report, they have do not enough information and some data they show me is not completed and there are things missing. 

Account name : XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Account number : XXXX XXXX XXXX I found that its says my ACCOUNT TYPE as ( OTHER ). In this report theres sections like ACTUAL PAYMENT AMOUNT, LAST PAYMENT where they do not say the amount that should provided, concluding they do not have ENOUGH information to give those datas. 
XXXX : I found that its says my ACCOUNT TYPE as ( CELL PHONE ) TrasnUnion : I found that its says my ACCOUNT TYPE as ( OPEN ACCOUNT ). 

I have reviewed all that inaccurate and incomplete information, according to the Credit Bureaus Reports, meaning they have violated my rights. Please removed this account off my Credit Report, they do not have enough information and some data they show me is not completed and there are things missing for example, XXXX ( term of duration. credit limit. date of last payment. actual payment amount ). XXXX ( original creditor. company sold. monthly payment ). They a lot of incomplete information about the account, its unacceptable not to have all the required information. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Account number : XXXX XXXX XXXX I found that its says MY ACCOUNT TYPE AS ( INSTALLMENT ) XXXX : I found that its says my ACCOUNT TYPE as ( SECURED LOAN ) TrasnUnion : I found that its says my ACCOUNT TYPE as ( INSTALLMENT ACCOUNT ). 

I have found all that inaccurate and incomplete information, according to the Credit Bureaus Reports, meaning they have violated my rights. Please removed this account off my Credit Report, they have do not enough information and some data they show me is not completed and there are things missing for example : - Original creditor in XXXX report. INCOMPLETE INFORMATION. 
- XXXX, Last Payment Date XX/XX/XXXX, but in XXXX says Date of Last Payment XX/XX/XXXX. INCOMPLETE INFORMATION. 
- XXXX, in my payment history between XX/XX/XXXX to XX/XX/XXXX theres data unavailable, concluding as INCOMPLETE INFORMATION. 
- XXXX, theres a lot of missing information for example : ( high credit, credit limit, amount past due, actual payment amount, date of last activity ) all this sections does not say anything, they do not give me enough information that should be provided. INCOMPLETE INFORMATION. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Account XXXX I looked at my credit bureaus reports ( XXXX, XXXX and XXXX ) and i have found incomplete information and erroneous information. Please check and verified next information and if its incomplete, the account should be removed. 

XXXX : I found that its says my ACCOUNT TYPE as ( REVOLVING ). In this report theres sections like, AMOUNT PAST DUE, TERM OF DURATION, AND LAST PAYMENT where they do not say the amount that should provided, concluding they do not have ENOUGH information to give those datas. 
XXXX : I found that its says my ACCOUNT TYPE as ( SALES CONTRACT ) TrasnUnion : I found that its says my ACCOUNT TYPE as ( REVOLVING ACCOUNT ). 

- XXXX says my Last Payment Date was XX/XX/XXXX. BUT on my XXXX says my Date of Last Payment was XX/XX/XXXX, its missing the day, concluding as INACCURATE AND INCOMPLETED INFORMATION. 
- XXXX, in my PAYMENT HISTORTY on XX/XX/XXXX AND between XX/XX/XXXX to XX/XX/XXXX theres data unavailable, so they are not showing information about those months and cant be classified. Concluding as INCOMPLETED INFORMATION. 
- XXXX says that my Actual Payment Amount is {$100.00}, BUT on my XXXX report says Payment Received {$100.00}, so this is INACCURATE AND INCOMPLETED INFORMATION, how they are going to say that my payment is {$100.00} but they received a {$100.00} of what... they did not provided accurate information.

In the three Credit Reports theres missing information about History payments, some of them are different from the others, theres columns and rows without information provided, coming to the conclusion that theres incomplete information, please delete this account off my credit report. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Account number : XXXX I looked at my credit bureaus reports ( XXXX XXXX XXXX and XXXX ) and i have found incomplete information and erroneous information. Please check and verified next information and if its incomplete, the account should be removed. 

- XXXX : I found that its says my ACCOUNT TYPE as ( CREDIT CARD ) - XXXX : I found that its says my ACCOUNT TYPE as ( REVOLVING ). 
Both have a different account type its not accurate that kind of information. 
- XXXX says, Date of Last Payment XX/XX/XXXX BUT on my XXXX and XXXX says, Last Payment Date XX/XX/XXXX. So theres XXXX XXXX about the day it was my last payment. 
- In the XXXX credit reports does not say how much should be my monthly payment, thats XXXX XXXX. 

In the three Credit Reports theres missing information about History payments, some of them are different from the others, theres columns and rows without information provided, coming to the conclusion that theres incomplete information, please delete this account off my credit report. 


I reviewed this five accounts I listed and every single one of them contains inaccurate or incomplete information, and they should be removed in accordance with the Fair Credit Reporting Act. I request that these accounts be thoroughly investigated and removed if they can not be verified for accuracy and complete credit reports. 

Please provide me with a copy of the updated report once the investigation is complete. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation