Consumer complaint received 2017-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (TX)

During the months of XX/XX/XXXX-XX/XX/XXXX, my wife and I disputed by mail and contacted by phone with recordings Jefferson Capital LLC., XXXX XXXX , and XXXX XXXX XXXX , and the three credit bureaus. We submitted the claim disputing the adverse account that was reported to the credit bureaus on both of our credit reports. What was once a charge off on both of our credit reports became an open collection account. This was done after an inquiry was made, without notification, and investigation of a claim. What my wife and I both inquired, in two different disputes and multiple phone calls on the following dates : XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, was the validity of Jefferson Capital 's claims. We requested during conference calls, an itemized document that furnished a full account summary and itemized calculations of the alleged debt. We requested the company provide, the dates and times used in the attempt to make payment arrangements, or alert us that a debt was owed of {$100000.00}. Before we had any knowledge of Jefferson Capital on our credit reports I, the husband, was pre-approved for a home loan. Two months passed as I waited for my house to sell. It was during this time when I submitted for my annual credit report and noticed Jefferson Capital was listed as a negative account and made my first dispute. When the home finally sold, three months had gone by and I had to re-score to pre-approve for the home. It was then that our lender said there was a dispute on my credit report and we could not be approved with an open dispute. XX/XX/XXXX, Agent XXXX XXXX explained my wife and I that she could not identify or locate any account with my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. Before Dispute Was Made 1. Jefferson Capital 's agents reported, " The alleged account could n't be identified or located using neither my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. '' 2. After dispute on XX/XX/XXXX, Jefferson Capital reported over the phone, The account in question is now assigned to XXXX XXXX. Please call them. '' My wife and I called XXXX XXXX and they sent us back to Jefferson Capital because they were also unable to locate the account using neither my nor my wife 's social security number, maiden name, married name, address, nor phone numbers. ( After alerting the companies that we were recording their statements, Jefferson Capital and XXXX XXXX responded saying, " Speak with XXXX XXXX  XXXX, our assigned representation. '' ) The company no longer spoke to myself or my wife about the questions and concerns we had about our alleged loans or the status of our dispute. Jefferson Capital reported they owned the loan. XXXX XXXX reported they serviced the loan and assigned it to a firm. XXXX XXXX XXXX reported that they are the company 's representation and could answer my concerns regarding the status of the dispute. XXXX XXXX XXXX furnished a letter during XX/XX/XXXX in response to our dispute letter sent on XX/XX/XXXX confirming : 1. Who my wife was before marrying me. 2. She owed and was obligated to pay XXXX XXXX XXXX XXXX XXXX Account in the amount of {$10000.00}. 3. A contract signed by my current wife given to them from the date XXXX/XXXX/XXXX. The company also mailed a bill of sale and assignment in response to our dispute. What was signed on XX/XX/XXXX was a Signature Student Loan Promissory Note. A contract Jefferson Capital allegedly made between themselves and my current wife. Section B ( cosigner information ) and Section C ( cosigner signature ) are both blank on the contract Jefferson Capital furnished. This further confirmed to me that I had no parts in obtaining this loan. The contract was allegedly obtained on XX/XX/XXXX and I did not marry my now wife until 10 years later. This confirmed to me that I was not obligated after all payments credits and offsets had been applied according to the letter furnished by XXXX XXXX XXXX on XX/XX/XXXX. The credit bureaus XXXX and XXXX mailed a completed report concerning the investigation. The alleged loan is still in collection status. My wife and I sent another dispute on XX/XX/XXXX reporting the errors Jefferson Capital made and their response to our dispute sent on XX/XX/XXXX. 1. We verified debt does not belong to me, the husband, according to Section B and C of the contract they furnished. 2. All of my wife 's student loan debt, private and federal, has been consolidated by XXXX XXXX. XXXX was the original owners of XXXX XXXX 's federal loan accounts. XXXX was the owners of XXXX XXXX 's private loan accounts. XXXX XXXX took over both companies accounts with my wife and has established a repayment schedule since XX/XX/XXXX. XXXX XXXX, XXXX XXXX, nor XXXX XX/XX/XXXX XXXX have yet to furnish myself nor my wife with any written or verbal notification itemizing in detail this alleged debt. XX/XX/XXXX my wife sent a second dispute and was told on recorded phone calls and was told by XXXX XXXX XXXX that the dispute had been received XX/XX/XXXX, but results could take up to 60 days to receive. The status of the dispute was pending after the 30 day mark according to the agents when we would call and record. My wife and I indicated prior to each recorded call that the calls were being recorded. My wife also reported to XXXX XXXX XXXX that XXXX sent a letter and that she had questions about the results of the investigation. The agents from XXXX XXXX XXXX and Jefferson Capital both reported that no determination had been made regarding my nor my wife 's dispute and XXXX 's letter was sent in error and investigations can take up to 60 days. XXXX XXXX XXXX continued to take my wife 's contact information and ensured we would be contacted when a decision was reached. XXXX XXXX XXXX also said they would forward a message to Jefferson Capital to expedite their investigation process, but this never happened. We have recorded phone calls for the dates we contacted both companies and questioned how XXXX  could send an outcome that both XXXX XXXX and XXXX and XXXX denied ever reaching. Those phone call dates are as follows : XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX and XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX at XXXX XXXX and XXXX XXXX. My wife finally contacted XXXX on XX/XX/XXXX and asked how it was possible they sent a letter with an outcome to our dispute on XX/XX/XXXX while both Jefferson Capital and XXXX XXXX XXXX continued to report that no decision had been made, there were no results, claimed investigations could take up to 60 days, and that XXXX made an error in sending the reports to myself and my wife with an outcome listed. The agent from XXXX refused to be recorded, but reported to my wife that the decision was made on XX/XX/XXXX by Jefferson Capital and that is why the XXXX outcome report was sent to myself and my wife. XXXX reported no error was made on their part, but rather my wife and I were sent what was given to them at the conclusion of the investigation from Jefferson Capital and XXXX XXXX XXXX.