Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11415183
Complaint Overview
Complaint ID: 11415183
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Personal information incorrect
State: Georgia
ZIP Code: 30157
Date Received: 2025-01-03T12:00:00-05:00
Date Sent to Company: 2025-01-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX Subject : Request for Removal of Negative Credit Information Due to Compromised Personal Data Dear Sir/Madam, I am writing to formally request the removal of all negative credit information from my credit report, including student loans, due to the compromise of my personal data in recent cyberattacks attributed to XXXX state-sponsored hackers. These breaches have exposed sensitive information, including my Social Security number, leading to potential identity theft and financial harm. In addition to this letter of complaint, I have filed a complaint with the Federal Trade Commission ( FTC ), Report Number XXXX Background : In XX/XX/year>, reports emerged that XXXX hackers infiltrated XXXX government agencies and private sector entities, accessing unclassified documents and personal data. Notably, the XXXX Treasury Department reported a significant breach where hackers accessed workstations and documents through a compromised third-party software provider, XXXX. Additionally, XXXX hackers, identified as XXXX XXXX, compromised XXXX telecommunications networks, enabling them to geolocate millions of Americans and intercept phone calls. Legal Basis : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies are required to maintain reasonable procedures to ensure the accuracy and fairness of credit reporting. The FCRA mandates that information reported must be accurate and complete, and it provides consumers with the right to dispute inaccuracies. The Federal Trade Commission ( FTC ) enforces the FCRA and has the authority to take action against entities that violate consumer rights under this Act. Request : Given the circumstances of the data breaches and the potential for identity theft, I respectfully request the removal of all negative credit information from my credit report, including any student loans. This action is necessary to protect my financial well-being and to comply with the accuracy and fairness requirements set forth in the FCRA. Furthermore, under 15 U.S.C. 1692c, part of the Fair Debt Collection Practices Act ( FDCPA ), governs how debt collectors may communicate with consumers and third parties during debt collection. This letter serves as official written notice of my refusal to pay the following debts and request the collector ( s ) to cease further communication : Original Creditor ( as listed on credit report ) : XXXX XXXX Account name JEFFERSON CAPITAL SYSTEMS Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Account type Debt Buyer Original creditor ( as listed on credit report ) : XXXX Account name XXXX XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Account type Debt Buyer Original creditor ( as listed on credit report ) : XXXX XXXX Account name XXXX XXXX Account XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX XXXX XXXX XXXX, XXXX, SC XXXX Account type Debt Buyer Original creditor as listed on credit report ) : XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address po box XXXX XXXX, SC XXXX Account type Debt Buyer Account name XXXX XXXX XXXX Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Account type Collection Account name Solutions Finance Account number XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX, GA XXXX Account type Installment Please confirm receipt of this request and inform me of the steps you will take to address this matter. I am available to provide any additional information or documentation as needed. Thank you for your prompt attention to this serious issue. XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11415183 about?
Complaint #11415183 was filed against Cl Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-01-03T12:00:00-05:00.
How did Cl Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Cl Holdings LLC?
Yes, visit the Cl Holdings LLC company profile at readthecomplaint.com/company/cl-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.