Consumer complaint received 2020-01-28
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was from XXXX I ordered wi-fi and I live in XXXX XXXX CA I was not able to get good connection I returned their equipment ( this was at least 12 years ago. I was not aware that I had a contract and never received any bills. I was going through a horrible divorce x-spouse XXXX XXXX SS # XXXX ruined my credit by not paying credit cards and other debts that judge had ordered him to pay ( divorce lasted XX/XX/XXXX- XX/XX/XXXX ) I got XXXX and was in XXXX 30 days at XXXX XXXX Hospital XXXX Ca ) he cancelled my health insurance. I used to be a XXXX and financially dependent in our marriage until I had a child in XX/XX/XXXX then he became XXXX XXXX and verbally at the time I was a homemaker since the birth of my child. The only reason he had any finances was that while I was a XXXX  I encouraged him to get a contractors license he did and I set him up in a XXXX XXXX ( XXXX XXXX XXXX ) it became successful that is because I ran it, then after the birth of my child he suggested that I stay home that is why I became a XXXX. I became financially destitute during the divorce he did not pay the family monthly allowance the judge ordered him to pay. After the divorce I wanted to purchase a home and was denied a loan I checked my credit report it was ruined, I hired XXXX XXXX to help take off the credit that did not belong to me, they did an excellent job. I am now disputing a Jefferson Capital XX/XX/XXXX and that it originally came from XXXX which I do not owe any money the amount is {$310.00}. I have disputed this item with XXXX  and they still are showing it as a collection debt which it should not be and even if it was my debt it should have expired it has been I did have an account with XXXX XXXX and the wi-fi did not work so I returned their equipment and never received a bill from XXXX and this was well over twelve years ago and would have expired. 
If I owed them money how come I am able to get an account for cellular with them acct # XXXX. I am filing a dispute with XXXX because instead of deleting this collection after I gave them the information I am sending you they updated the collection which decreased my Fico score. I apologize for such a long explanation. I hope you can help me because right now I am on a fixed income I only get SSI benefits {$940.00}. monthly ( I have bi-polar which escalated because going thru that horrible divorce ) I am trying to build up my credit XXXX  said I could if I showed them my bank statement showing I pay rent, utilities and cellular bill. I have a payee for SSI and the bank account is in his name XXXX XXXX at XXXX XXXX XXXX  in XXXX XXXX the acct is XXXX XXXX XXXX # XXXX. If you can give that information to XXXX  or tell me how I can ( they have been so unpleasant to deal with ) that I really do not want to contact them. Thank you very much for letting me file a complaint against them because I think they are not working effectively with consumers. Thanks again XXXX XXXX if you need to contact me my email is XXXX XXXX

Company response to consumer: Closed with explanation