Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #9777150
Complaint Overview
Complaint ID: 9777150
Company: Cl Holdings LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 93313
Date Received: 2024-08-11T12:00:00-05:00
Date Sent to Company: 2024-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Und er 15 U.S. Code 1692, the Fair Debt Collection Practices Act ( FDCPA ) aims to protect consumers from abusive debt collection practices, which can include invasions of privacy and actions that compromise an individual 's capacity to contract. The law acknowledges that abusive practices contribute to personal bankruptcies, marital instability, and job loss, thereby highlighting the need to safeguard consumer privacy and competence in contractual matters. When a creditor or debt collector communicates through consumer reports without consent, it can be considered an invasion of privacy. The FDCPA restricts debt collectors from using any false, deceptive, or misleading representations in connection with debt collection, which includes unauthorized use of consumer reports. By asserting your rights under this law, you can demand that such communications cease and that any damaging information be removed from your consumer report, thereby protecting your right to privacy and ensuring your competency to contract is not compromised.
Frequently Asked Questions
What is Complaint #9777150 about?
Complaint #9777150 was filed against Cl Holdings LLC regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-08-11T12:00:00-05:00.
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.