Consumer complaint received 2022-04-15
Company: Rock Creek Capital, LLC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received an alert from XXXX XXXX XXXX that I had a change to my credit file that caused an immediate XXXX point drop in my credit score. A collection company by the name of XXXX XXXX XXXX had listed a debt of {$660.00} on my report. I have never been contacted by XXXX  nor received any correspondence from XXXX  prior to that day -- I immediately opened a fraud case with XXXX and called XXXX  and was told that they represented a company by the name of Rock Creek Capital -- I had NEVER heard of this company and NEVER did business with nor ever received any correspondence from. XXXX  told me that Rock Creek Capital bought XXXX XXXX ( XXXX XXXX ) which was an XXXX company. 
I knew this was not true as XXXX bought XXXX XXXX. 
I leased a car in XXXX through the XXXX XXXX XXXX program which was then sold to XXXX  -- I never missed a payment, and was NEVER late and finished my entire lease term and returned the car to XXXX  in XXXX and received my deposit back -- I have EXCELLENT credit with XXXX  and never received any correspondence from XXXX  that I had any outstanding debt -- I have bank statements showing my returned deposit at the end of my lease term. 
XXXX  is fraudulently going after former XXXX drivers who leased cars through the XXXX XXXX Program which became XXXX  because both XXXX and XXXX  are now out of business and thir contact numbers are out of service. There is no way to contact them to confirm that the debt is not owed because both companies are out of business -- When I asked an XXXX representative for the contact information for Rock Creek Capital, I was told " we don't have any contact information. '' I told them by law they needed to provide me with the contact information of the original creditor and they said they do not. I've never done business with Rock Creek Capital and do NOT owe this debt. My credit went from Excellent down to Good. XXXX  is the only collections account on an otherwside stellar credit history and I have spoken to at least XXXX former drivers for XXXX who leased cars through the XXXX XXXX XXXX and all had excellent credit and had this same thing happen within the past 6 months. 
My lease ended in XXXX, I paid off the car and had no issues -- why would a company wait until XXXX to collect on a debt they claim I owed? I even continued business with XXXX  after I turned in my first car ( I did two short term leases of other cars -- if I had an outstanding debt on my origianl lease why would this company have continued to do business with me? 
I tried to contact XXXX  on XX/XX/XXXX, but because they closed their leasing deaprtment in XXXX, all of their contact numbers are disconnected ( that fact that XXXX and XXXX can not be contacted is a major win for XXXX  because there is no way for us to get documentation that refutes their claims ). 
XXXX leasing closed and was sold to XXXX in XXXX, and XXXX operated until XX/XX/XXXX and then closed -- it is my belief that XXXX  bought a public information record of people who leased cars through the XXXX XXXX leasing program/XXXX  and are targeting us in hopes that some will pay a debt they do not owe. This needs to be investigated and XXXX needs to be prosecuted!

Company response to consumer: Closed with explanation