Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #11557150
Complaint Overview
Complaint ID: 11557150
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: New York
ZIP Code: 10457
Date Received: 2025-01-15T12:00:00-05:00
Date Sent to Company: 2025-01-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Date : XX/XX/year> From : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Jefferson Capital Systems , LLC [ Insert Address from Credit Report/Correspondence ] Subject : Dispute of Account Information Under the Fair Credit Reporting Act ( FCRA ) Dear Jefferson Capital Systems XXXX This letter serves as a formal dispute of inaccurate and unverifiable information reported by your company on my credit profile, specifically regarding account [ Insert Account Number ]. My credit was affected by the XXXX data breach, and I have reason to believe this account is fraudulent, inaccurate, or unverifiable. I am prepared to consider legal action should this matter not be resolved promptly. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), you are required to : Provide complete validation of this account, including a signed agreement with my original creditor that proves my obligation. Ensure the accuracy and legitimacy of the information reported to all credit bureaus. If you can not verify this account within 30 days of receipt of this letter, you are required to remove it from my credit report per FCRA guidelines. Failure to comply may result in legal action, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or pursuing litigation. This dispute includes : Copies of my identification and proof of address for verification purposes. A detailed statement of the inaccuracy and why the account is disputed. I expect written confirmation that this account has been removed or verified, along with an updated copy of my credit report, within the legally required timeframe. Should you fail to act, I reserve the right to pursue all available remedies under the law. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11557150 about?
Complaint #11557150 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 2025-01-15T12:00:00-05:00.
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.