Consumer complaint received 2020-12-09
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

Complaint:
XXXX originally reported this account as a collection/charge-off which is fine. However this account was sold to Jefferson Capital Systems LLC according to their comments for XXXX. This means they cant report a duplicate account. If the account is sold then they should have removed it from their profile so I wont get dinged from them and Jefferson Capital. They never removed this account which I tried to illustrate to them. On top of that the account is reporting inaccurate and inconsistent information that violate my FCRA rights. I noticed XXXX XXXX had a discrepancy in the " high credit '', " date of last activity '', date of last payment '', date opened '' section of the listings. XXXX  and XXXX are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX and XXXX are reporting a " date of last payment '' of " XX/XX/XXXX '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX ''. XXXX is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX is reporting " date of last activity '' at " XX/XX/XXXX ''. XXXX and XXXX  are showing my " high credit '' balance as {$10000.00}, however XXXX is showing it as {$8800.00}. If this is the same account, reported by the same creditor how are these numbers and dates different? 

I also noticed JEFFERSON CAPITAL SYST XXXX had a discrepancy in the " account type '', " account number '', " date of last activity '', date of last payment '', date opened ', " company name '', " payment history '', " payment status '', " monthly terms '' section of the listings. XXXX and XXXX  are reporting a " date opened ' of " XX/XX/XXXX '', however XXXX is reporting a date opened of " XX/XX/XXXX ''. XXXX is reporting a " date of last payment '' of " nothing '', however XXXX is reporting a " date of last payment '' of " XX/XX/XXXX and XXXX is reporting a " date of last payment '' of " nothing '' as well. XXXX  is reporting a " date of last activity '' of " XX/XX/XXXX '', however XXXX is reporting " date of last activity '' on " XX/XX/XXXX '' and XXXX  is reporting " date of last activity '' at " XX/XX/XXXX ''. Which means that for whatever reason this account was reaged. The company name for this account is inconsistent as it reflects as " Jefferson Capital Sys '' for XXXX and XXXX  but is registered as " JEFFCAPSYS '' for XXXX. Im not sure why these abbreviations are being used but it makes this confusing. The " payment status '' for XXXX  and XXXX is showing as " collection/charge off yet XXXX is showing as " 120 days '' past due which is a violation if this is supposed to be a collection item. There are " monthly terms '' showing for XXXX which is also a violation because this account isnt reporting as a loan of any type. You have it showing as a ( 1 ) one month term. Finally if this is supposedly a collection account then there should be no " payment history '' showing at all. XXXX  and XXXX are in violation as well. The account number is showing inconsistently as well. XXXX  and XXXX  are showing the " account number '' as XXXX yet XXXX  is showing it as XXXX.

Company response to consumer: Closed with explanation