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# Question about Default on Credit File

Hi all,

I have a question regarding an old default that is still showing on my credit file. I am seeking some clarity on this matter and hope someone can provide guidance.

Working in collections for a major retail bank for over 5 years, I have a good understanding of how the Credit Reference Agencies (CRAs) operate.

## Story Overview
To provide some context, I had a credit agreement with Omni Capital that defaulted in 2020. The debt was subsequently sold to Jefferson Capital in 2021, and I managed to pay it off in full by 2023.

However, the default from Omni on the original debt has not been marked as satisfied, causing a discrepancy on my credit file.

Upon speaking to Jefferson, they explained that when they acquired the debt from Omni, they were a non-reporting organization and did not report the account to the CRAs initially. They have since started reporting but opted not to report my account to avoid any negative impact, considering I was consistently making timely payments under a payment arrangement.

Unfortunately, this decision had unintended consequences, as the default from Omni remains unsettled on my credit report.

Jefferson advised me to reach out to Omni and request them to update their records with the CRAs to reflect that the debt has been paid off. Omni provided me with a Statement of Account (SOA) and confirmation letter detailing my payments and the settlement of the debt.

## Seeking Resolution
However, upon contacting Omni and submitting the documentation from Jefferson, I received conflicting information. The call handler mentioned that the status should have been reported as “settled” when they sold the debt, which contradicts my understanding of the situation.

While they indicated a willingness to update the status if it appears as unsettled, I am concerned that further review by a senior staff member may lead to a different outcome.

## Considering Future Actions
In the event that Omni refuses to cooperate, I am left wondering about my options. It seems unlikely that the default will be accurately reflected as settled on my credit file. Would it be possible for me to request Jefferson to report my account to the CRAs to address this issue?

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