Consumer complaint received 2025-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX. XXXX Last XXXX # XXXX XXXX RE : Letter to Remove Inaccurate Credit Information, Fraud Accounts, ID Theft Alert, add XXXX Statement to my Credit Profile for all Primary and Secondary Credit Reporting Agencies To Whom It May Concern, This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. I AM A VICTIM OF IDENTITY THEFT and FRAUD. Please update all my accounts listed below. I AM DEMANDING MY CREDIT HISTORY AGE OF 18 years 3 month remain the same AND BE RESTORED. 
PAID AS AGREED NEVER LATE, FCRA 605b ALL NEGATIVE DEROGATORY ACCOUNTS AND REMAKS MUST BE REMOVED/UPDATE IN 4 DAYS. 
XXXX XXXX PAID AS AGREED NEVER LATE XXXX XXXX XXXX AS AGREED NEVER LATE XXXX XXXX XXXX XXXX XXXX XXXX AGREED NEVER LATE XXXX XXXX PAID AS AGREED NEVER LATE XXXX XXXX XXXX- PAID AS AGREED NEVER LATE XXXX XXXX XXXX PAID AS AGREED NEVER LATE XXXX  XXXX XXXX PAID AS AGREED NEVER LATE XXXX XXXX- PAID AS AGREED NEVER LATE XXXX XXXX- PAID AS AGREED NEVER LATE PLEASE REMOVE ALL STUDENT LOAN AND CLOSED/ PAID OFF ACCOUNTS DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ACCOUNT THAT I NEVER HAD. THIS IS FRAUD ACCOUNT REPORTING COLLECTIONS BE REMOVE UNDER FCRA 605B IN 4 DAYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE ALL HARD INQUIRIES THIS IS A FRAUD ACCOUNT REPORTING FCRA BE REMOVE IN 4 DAYS XXXX XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit profile to any creditors who have requested a copy of my credit report in the last 6 months. 
I'm also requesting the description of the procedure used to determine the accuracy and completeness of the information. I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. UNDER FCRA 60B THIS MUST BE DONE IN 4 DAYS. 
It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this must be completed within 4 days of receipt of this letter, or you must remove the incorrect information. 
Please send an updated copy of my credit report to the above address. 
Thank you for your prompt attention, time and help in this matter. 
Sincerely, XXXX XXXX XXXX cell **PLEASE ADD THIS STATEMENT TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Report Statement ( ADD TO ALL MY CREDIT PROFILES ) I am a victim of Identity Theft, Fraud to include XXXX XXXX NC XXXX XXXX XXXX and XXXX. I applied for an investment property that was denied stating I have late payments for 12 months in XXXX. I soon received notice from XXXX, XXXX stating my personal, private and financial information has been breached. 
Please remove ALL the late payments update to PAID AS AGREED NEVER LATE, collection accounts, hard inquires, negative and derogatory remarks, multiple addresses. That was NOT me and are all errors. I NEVER GAVE THEM CONSENT TO FURNISH OR OBTAIN MY INFORMATION. 
PLEASE USE THESE FCRA CODES TO PROTECT ME AND REMOVE BY LAW in 4 days. 
-FCRS 605b-Identity Theft -15USC1692G-Identity theft -15USC1681AI-late payments illegal -15USC1681c-2-mandates accurate reporting -15USC1692cc-Harassment with erroneous reporting and calls -15USC1692d-Cease and desist all erroneous reporting, negative remarks and erroneous accounts I've never had. 
Please remove entire account Jefferson Capital and XXXX. I HAVE NEVER had an account with them. REMOVE the multiple address because its Fraud and erroneous. 
I filed my Police Report and Consumer Finance Protection Bureau Complaints to help me. ID Theft has destroyed me financially. PLEASE REMOVE IN 4 DAYS. 
XXXX XXXXXXXX XXXX XXXX  # XXXX Consumer Financial Protection Bureau XXXX XXXX Federal Trade Commission Fraud Report XXXX XXXX Federal Trade Commission ID Theft Report # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX cell

Company response to consumer: Closed with explanation