Consumer complaint received 2019-04-01
Company: Continental Finance Company, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am a XXXX XXXX who with a XXXX XXXX level security clearance that is being reviewed as a normal condition of the clearance. On XX/XX/XXXX, the investigator completing my background investigation advised me of a debt listed on my credit report as, XXXX Con/Finance XX/XX/XXXX {$230.00}, with a high amount of $ 900+. This debt is a XXXX Master Card ( or Visa-not sure ) from Continental Finance. He gave me the account # XXXX. According to my records, this original debt was sold to XXXX XXXX, PA in XXXX XXXX, NC, for a XXXX Master Card Continental Finance. I can not find their original letter to me. However, I made monthly payments of {$120.00} from XX/XX/XXXX until XX/XX/XXXX, from my payroll as a Discretionary Allotment. I add this up to 11 payments x {$120.00} = {$1300.00}, and I provided my assigned investigator the attachment from USDAs Employee Personal Page website which show the start and stop of my Discretionary Allotments. I marked XXXX XXXX XXXX. I first called XXXX, on XX/XX/XXXX at ph # XXXX, and again today, and advised them I think there is a discrepancy reported on a credit report and she advised me, they sold this account to a company called XXXX XXXX ph # XXXX. In the call today to XXXX, I was advised they sold the debt on XX/XX/XXXX {$750.00}, and they closed and charged off this account on XX/XX/XXXX. I have never been contacted by this company, and have never heard of them. But, I called XXXX XXXX ( ph # XXXX ) and got a voice message asking me to leave my full name, my account #, and my social security number. I did NOT leave my personal information on the voice mail, because I paid XXXX XXXX. 

I called XXXX XXXX, XXXX XXXX, North Carolina office, ph # XXXX and spoke to someone named XXXX. I told him about the debt. my debt showing on a credit report, and my 11 payments equaling {$1300.00}, mailed to his location for a XXXX MC debt they were collecting. He said he would have one of the attorneys call me back. I received a call back that afternoon from Attorney XXXX XXXX. He said he was sorry, and that they now are handling immigration cases only. He apologized I am having this problem. He said I could come in to his office. I told him I live in Indiana. He said he was sorry again, and that he could not help since I live in another state. He said I needed to seek legal assistance from an attorney where I live. This is unacceptable. 

I am paying other debt with a credit counseling agency so I called my representative at XXXX ( the Credit Counselor ) and asked for her input. She reminded me we are using XXXX credit report where this item is not showing outstanding. But she agreed that attorneys response to be unacceptable. She recommended I file a complaint with the Consumer Financial Protection Bureau, and with my states Attorney General. She also recommended I request documentation from the USDA and have them send me confirmation of the 11 payments. I will follow her suggestions and for now I have not made any additional payments to this debt. 

I am not sure how this effects my security clearance but I do not feel like I should make any further payment to this debt, as I have done my due diligence to address my debt. I also believe I overpaid it because I stopped the Discretionary allotment payments well after the debt was satisfied because I realized it was satisfied a couple months after the @ {$900.00} amount was satisfied ( XX/XX/XXXX ). Please assist me with this problem using any authority your agency has to help me address this debt. Thank you.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation