Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MO

Complaint narrative:
CFPB Complaint - Inaccurate and Unverified Credit Reporting Consumer Information Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : XXXX SSN : Last 4 digits XXXX Date : XX/XX/year> Credit bureaus or furnishers involved : XXXX XXXX XXXX Complaint Summary The consumer, XXXX XXXX XXXX, is experiencing significant issues with inaccurate and unverified credit reporting on her credit report. Despite numerous attempts to rectify these inaccuracies, the credit bureaus and furnishers involved have failed to comply with the Fair Credit Reporting Act ( FCRA ) requirements, specifically sections 1681e ( b ), 1681i, and 1681s-2. The inaccuracies include incorrect account statuses, unverifiable debts, and outdated charge-offs, which have caused substantial harm to the consumer 's creditworthiness and financial well-being. These errors have led to an inaccurate reflection of her credit history, resulting in potential loan denials and higher interest rates. Disputed Accounts XXXX XXXX Account # : XXXX ( XXXX ) Issue : Account marked as " Late 180 Days '' despite being legally paid in full for less than the full balance. Violation ( s ) : FCRA sections 1681e ( b ), 1681i JEFFERSON CAPITAL XXXX Account # : XXXX ( XXXX ) Issue : Collection/Chargeoff status with a balance of {$1100.00}, potentially duplicate reporting. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX Account # : XXXX ( XXXX ) Issue : Duplicate account reporting with the same balance of {$1100.00}. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX Account # : XXXX ( XXXX ) Issue : Collection/Chargeoff status with a balance of {$850.00}, potentially duplicate reporting. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX Account # : XXXX ( XXXX XXXX ) Issue : Medical collection/chargeoff with a balance of {$1200.00}, reported on multiple bureaus with discrepancies. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX Account # : XXXX ( XXXX XXXX ) Issue : Collection/Chargeoff status with a balance of {$4200.00}, discrepancies in reporting dates. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX Account # : XXXX ( XXXX XXXX XXXX ) Issue : Charged off as bad debt across multiple bureaus with discrepancies in reporting. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX Account # : XXXX ( XXXX ) Issue : Collection/Chargeoff status with a balance of {$0.00}, discrepancies in reporting. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX Account XXXX : XXXX ( XXXX XXXX XXXX ) Issue : Charged off account with discrepancies in reporting across bureaus. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX Account # : XXXX ( XXXX XXXX XXXX ) Issue : Collection/Chargeoff status with discrepancies in reporting across bureaus. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) XXXX XXXX Account # : XXXX ( XXXX XXXX XXXX ) XXXXssue : Charged off account with discrepancies in reporting across bureaus. Violation ( s ) : FCRA sections 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ) Student Loan Disputes XXXX Account # : XXXX Issue : Incorrect status as " Late 120 Days, '' potential eligibility for discharge. Legal References : FCRA sections 1681e ( b ), 34 CFR section 682.202 Hard Inquiry Disputes XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose. Legal Reference : FCRA section 604 XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose. Legal Reference : FCRA section 604 Personal Info Discrepancies Incorrect names : XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX name : XXXX XXXX XXXX XXXX addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect birthdates : XXXX, XXXX Correct birthdate : XXXX Cite FCRA section 1681e ( b ) for inaccurate personal info reporting Legal Basis FCRA sections 1681i, 1681s-2, 1681e ( b ) XXXX XXXX guidelines - Industry standard for data formatting Consumer Harm The inaccuracies and unverified items on the consumer 's credit report have caused significant harm, including loan denials, higher interest rates on credit products, and potential job and housing impacts. The stress and financial strain resulting from these errors have also affected the consumer 's overall well-being. Requested Resolution The consumer requests the permanent deletion of unverifiable and inaccurate items from her credit report, a full reinvestigation of the disputed items with proper documentation, and the correction of any illegal or incorrect reporting practices by the involved credit bureaus and furnishers.

Company response to consumer: Closed with non-monetary relief