Yes, proof of the OC debt should be enough.
I would send Jefferson a direct dispute under FCRA 623(a)(8). They have to investigate, make corrections and/or deletions and notify you within 30 days of the results. If they fail to do that they have violated the FCRA which is a federal law. At that point I would file a formal complaint with the FTC for failing to abide by the FCRA. Then I would probably seek legal advice.
I provided a template. All of it will apply. The one in red is directed specifically at a CA. The ones in blue apply to everything in general. And the bolded items need to stay as subparagraphs. Be as specific as possible, provide as much detail and documentation as necessary. Include old CR etc.
This is a Notice of Direct Dispute with you, under the provisions of FCRA §623(a)(8)(D), of the accuracy of information you have reported to my credit file.
This is a direct dispute of credit reporting. This is not a request for debt validation/verification under FDCPA §809(b)
“In compliance with FCRA §623(a)(8)(D), and enacting regulations published at 16 CFR § 660.4, this Notice of Direct dispute includes:
“Identification of the specific information being disputed:
(specify the account number, and the specific information that is disputed under that identifying account)
Basis for the dispute:
(how the reporting was inaccurate; was any reporting in violation of any statutory or regulatory provisions? account or express agreements? CRA reporting gudelines? Account not yours? etc.)
“Supporting documentation:
(all documents that support your dispute; it is recommened to also include, as part of your documentation, at least a copy of the portion only of your recent credit report showing their reporting of the disputed information was actually reported to your credit flle. The implementing rule suggests a showing that it appeared in your credit report)
