Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18955580
CLGF Holdco 1, LLC Accused of Incorrect Credit Report Status
Complaint Overview
Complaint ID: 18955580
Company: Clgf Holdco 1, 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: Texas
ZIP Code: 77459
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2026-01-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
Consumer Sentiment: negative
Topics: Credit reporting, Incorrect information, Account status
AI Analysis
CFPB complaint 18955580 was filed against CLGF Holdco 1, LLC regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account status information on their credit report to CLGF Holdco 1, LLC in Texas. The complaint was received on November 30, 2025 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information.
Regulatory Insight
Furnishers of information have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus.
Resolution Likelihood
mixed
State-Specific Consumer Protections
In Texas, consumers have rights under state law in addition to federal laws like the FCRA regarding credit reporting.
Industry Comparison
This issue is common in the credit reporting industry, where errors in account status can lead to significant consumer harm.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18955580 about?
CFPB complaint 18955580 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account status incorrect". This complaint was filed against CLGF Holdco 1, LLC on November 30, 2025.
Which company is complaint 18955580 filed against?
Complaint 18955580 was filed against CLGF Holdco 1, LLC. You can view all complaints against this company on their profile page at /company/clgf-holdco-1-llc.
What was the company's response to complaint 18955580?
CLGF Holdco 1, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18955580 filed?
Complaint 18955580 was received by the CFPB on November 30, 2025. It was sent to CLGF Holdco 1, LLC on January 23, 2026.
What state was complaint 18955580 filed from?
Complaint 18955580 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 18955580?
Dispute information is not available for complaint 18955580.
What product category is complaint 18955580 about?
Complaint 18955580 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18955580 submitted?
Complaint 18955580 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18955580?
The Fair Credit Reporting Act (FCRA) requires credit reporting agencies and furnishers of information to ensure the accuracy of consumer credit information. This relates to a Credit reporting or other personal consumer reports complaint against CLGF Holdco 1, LLC involving "Incorrect information on your report".
How likely is complaint 18955580 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18955580?
This complaint is rated as medium risk. Incorrect account status on a credit report can negatively impact a consumer's ability to obtain credit, loans, or housing.
What regulatory actions apply to complaint 18955580?
Furnishers of information have a responsibility to investigate disputes and correct any inaccuracies reported to credit bureaus. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18955580?
Consumers should regularly review their credit reports for accuracy and dispute any errors with the credit reporting agency and the furnisher of the information.
Are there state-specific protections for complaint 18955580?
In Texas, consumers have rights under state law in addition to federal laws like the FCRA regarding credit reporting. This complaint was filed from Texas.
How does complaint 18955580 compare to industry norms?
This issue is common in the credit reporting industry, where errors in account status can lead to significant consumer harm.
What steps should a consumer take if CLGF Holdco 1, LLC fails to correct the incorrect account status?
If the furnisher does not resolve the dispute, the consumer can file a complaint with the CFPB and potentially pursue legal action under the FCRA.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.