Consumer complaint received 2021-04-19
Company: CL Holdings LLC
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I used the tool XXXX to view and print my credit report, at which point I noticed that the company Jefferson Capital Systems was reporting that I am indebted to them {$16000.00}. I have NEVER entered into any type of contract with Jefferson Capital Systems. On or around XX/XX/XXXX, I mailed Jefferson Capital Systems a certified letter requesting validation that I am contractually obligated to pay them. Said letter was to include : the name and address of the alleged creditor, name on file of the alleged debtor, alleged account #, amount of alleged debt, date that this alleged debt became payable and date of original charge-off or delinquency. Also, I asked whether the debt was assigned to a debt collector or purchased? As well as, the amount paid if it was purchased? Lastly, the agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 

On or around the end of XX/XX/XXXX, I received correspondence from Jefferson Capital Systems which included the following information : An account #, current creditor listing of Jefferson Capital Systems, JCS reference # which is the number listed on my credit report, the amount of debt listed as {$16000.00}. But, most surprisingly was the box listed debt description with the name " XXXX XXXX '', which is also the name listed as the original creditor on my credit report. 

I have NEVER entered into any type of agreement with XXXX XXXX. More importantly after several XXXX searches I have come to realize " XXXX  XXXX '' as a company, DOES NOT EXIST. 

Since Jefferson Capital Systems was obviously refusing to delete the blatant error of reporting that I owe them any amount of money, I sent certified letters to the three credit bureaus : XXXX, XXXX  and XXXX  requesting that if they could not verify the legitimacy of the information they were reporting on my credit report, they needed to delete it. 

I have been monitoring my report for changes ; To date XXXX  has deleted the reporting while XXXX  is reporting that they have verified the information and it meets FCRA requirements. And, XXXX  simply states the consumer disputes the reporting. Both agencies have also updated the original creditor to XXXX XXXX XXXX. 

The basis by which the reporting was probably deleted from XXXX  is because XXXX XXXX XXXX reported on or around XX/XX/XXXX that the account had been paid and closed with 100 % of the payments for that account being on time. With 0 % being left to pay on the loan. 

I am hereby demanding that Jefferson Capital Systems as well as both XXXX  and XXXX  delete the inaccurate information that they are reporting on my credit report. According to FCRA regulations which state : If inaccurate information is discovered in a consumers file, the consumer reporting agency must examine the disputed information, usually within 30 days. If the inaccurate information can not be verified, the consumer reporting agency has responsibility to remove it.

Company response to consumer: Closed with explanation