Credit Control, LLC

b"CFPB ELDER COMPLAINT REBUTTAL COMPLAINT NO. XXXX\nConsumer: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date: XXXX XXXX XXXX Re: Credit Control, LLC Inadequate and Evasive CFPB Response\n\nI also ask that CFBP forward to Ohio Attorney General Elder Consumer Department \n\nCONSUMER REBUTTAL TO CREDIT CONTROL, LLC'S CFPB RESPONSE\nI am submitting this rebuttal in response to Credit Control, LLC's reply to CFPB Complaint No. XXXX, in which they claim they cannot respond due to an alleged lack of Personally Identifiable Information (PII).\n\nThis claim is false, pretextual, and contradicted by Credit Control's own documented conduct.\n\nI. CREDIT CONTROL ALREADY POSSESSES MY IDENTITY AND ACCOUNT INFORMATION\nCredit Control, LLC has been actively communicating with me by name, at my address since at least XXXX XXXX XXXX.…

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I am disputing an inaccurate debt related to XXXX XXXX. In XX/XX/year>, I initiated an account setup but canceled before installation. No service was ever installed, activated, or used, and I never received any equipment. Despite this, XXXX billed the account and sent it to collections ( Credit Control , LLC ). This issue has already been disputed and removed once before, but it has reappeared again, indicating a recurring error. I contacted XXXX multiple times, and representatives provided inconsistent information about installation dates, could not provide any billing breakdown, usage data, or proof of installation, and repeatedly transferred me without resolving the issue. XXXX has not provided any documentation proving that service was ever installed or used.…

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I am disputing because this debt is being recycled to bypass my rights. I have previously notified the debt owner ( XXXX XXXX ) that I am judgment proof ( unemployed, no assets ) and have invoked my Cease and Desist rights under the FDCPA and California Rosenthal Act ( see Complaint ID XXXX ). Transferring the debt to Credit Control LLC after already disputing harassment for the previous two collectors for XXXX XXXX is a bad-faith tactic to restart the daily harassment I previously experienced via debt recycling. I demand XXXX XXXX XXXX and their associated cease all contact immediately.

I am XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I am escalating my complaint against CREDIT CONTROL , LLC, originally filed under complaint number XXXX. The company 's response to my initial complaint was inadequate and evasive, failing to address the core issues of inaccurate credit reporting and non-compliance with federal statutes. In their response, CREDIT CONTROL , LLC stated : " We find that the account subject to this complaint was recalled from our office by the current creditor, XXXXXXXX Due to this recall, Credit Control no longer has access to account-level information for the account at issue. '' This statement is a clear attempt to deflect responsibility, as it does not absolve the company of its duty to ensure the accuracy of the information they furnished to the credit bureaus, as mandated by 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ).…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2026 Subject : Credit Report Dispute Request for Removal of Inaccurate Account To Whom It May Concern, I am writing to formally dispute an account listed on my credit report. I obtained my credit report from XXXX, XXXX, and/or XXXX and found the following information to be inaccurate : Account Name : credit control llc Account Number : [ XXXX ] Reason for Dispute : [ Not mine / Incorrect balance / Wrong late payments/ Unauthorized account / Other ] I am requesting that this account be investigated and removed from my credit report if it can not be verified as accurate under the Fair Credit Reporting Act. Please find enclosed copies of supporting documentation to support my claim. I request that you complete your investigation and notify me of the results within the required timeframe. If the information can not be verified, I request that it be deleted promptly from my credit file. Thank you for your attention to this matter.…

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I am disputing this account reported by Credit Control , LLC on behalf of XXXX. I requested validation of this debt, including proof that I am legally responsible and documentation showing the amount owed. The company has not provided sufficient verification, such as a signed agreement or complete account records. The information reported appears incomplete and inaccurate. I am requesting proper validation of this account or its removal from my credit report.

I leased a car from XXXX and after a few months I had to move out of country for work. I called their finance department and was told I could return the lease without any fines or penalties early as I didnt have high miles and the only ding would be to my credit. I called a week later when I was about to return and they stated the same thing. I returned the car and the dealership stated nothing and said I owed nothing and Im all good. Months go by and I was charged the full amount and fees and penalties. I wouldnt have returned the vehicle and kept it if I had to pay it. Also, I had someone interested in taking over the lease as well. I was provided wrong info and the voice recording of the phone calls I wasnt provided and they then sold my debt and told me they cant help me anymore

On XX/XX/year>, I received a collection notice from Credit Control , LLC claiming I owe {$700.00} on behalf of XXXX XXXX XXXX. After reviewing the notice, I disputed the debt because it was not properly validated. There was no documentation showing that the debt is accurate, that it actually belongs to me, or that Credit Control , LLC has the legal authority to collect it. I was not provided with a signed agreement, a clear chain of assignment, or any detailed account records explaining how this balance was calculated. I submitted a complaint through this portal requesting proper validation. Instead of addressing these concerns, the company responded that they could not investigate due to a lack of personal identifying information and closed the case without providing any documentation or explanation about the debt itself.…

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( CREDIT CONTROL LLC ) This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). You are hereby required to provide all of the following documentation and me to receive them within 10 days of receiving this letter : XXXX. Proof that the alleged debt has been securitized ; XXXX. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, Between your company and the original creditor ; XXXX. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; XXXX.…

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I am formally disputing a collection account that has appeared on my credit report which I do not recognize and have no knowledge of. This alleged debt is unverified and does not belong to me. I have also been subjected to repeated and aggressive collection attempts through multiple channels, including threats of legal action. This situation is unacceptable, violates my rights as a consumer, and has caused significant stress and disruption.

Subject : Formal Complaint Failure to Validate Debt and Unlawful Collection Activity I am filing this complaint against Credit Control LLC regarding a collection account being reported under my name allegedly on behalf of XXXX XXXX. I formally dispute this debt and do not acknowledge liability. To date, Credit Control has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, you have not provided : - A copy of the original signed agreement - A complete payment history or itemization of the alleged balance - Documentation proving your legal authority to collect this debt - Proof that this account was lawfully assigned to your agency Continuing to report or attempt to collect this account without proper validation constitutes a violation of federal law, including but not limited to the FDCPA and FCRA.…

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To Whom It May Concern, I am writing in response to your [ letter/phone call ] ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Subject : Formal Dispute and Demand for Compensation Due to XXXX XXXX XXXX Bank XXXX XXXX Account Reference # XXXX To Credit Control LLC, XX/XX/year> I am writing to formally dispute the fraudulent debt collection activities related to the Bank XXXX XXXX account ( # XXXX ) reported on my credit file. This debt was previously charged off and written off as a loss on Bank XXXX XXXX tax returns, and it has been credited by the IRS. Despite this, Credit Control LLC is attempting to collect on a debt that is legally XXXX. This constitutes a violation and fraud on my credit profile, damaging my creditworthiness and causing me harm. Due to these unlawful actions, you owe me {$1000.00} for this violation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

I had a debt with Credit Control settled by XXXX XXXX in XXXX of XXXX. All payments had been made on time, XXXX out of XXXX. I received a debt collection Notice from Credit Control dated XXXX stating I owed {$920.00} when in the fact the actual debt owing is {$200.00}. I sent then email to the email provided with copies of the notice, payment agreement and even their last email showing the remaining payment schedule. The XXXX payment had already been made. They did not respond so I asked my legal shield attorney to send them a letter showing the debt should only be {$200.00}. I contacted them by phone and was told by XXXX XXXX that they had made a mistake and she saw the agreement but I needed to have the attorney send them another letter removing the challenge which we did. XXXX XXXX uses Credit Control as a third party. They responded to my attorneys letter. I called them to try and resolve this and pay the remaining {$200.00} that is owing.…

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I am disputing a XXXX debt that has been improperly sent to collections due to a provider billing error. XXXX XXXX XXXX required me to complete lab testing through XXXX XXXX as part of my subscription. Their written agreement states that all required lab work is included and covered by the provider. Despite this, XXXX XXXX billed me directly, and the balance of {$810.00} was sent to collections ( Credit Control , LLC ). I did not authorize or agree to be personally responsible for these charges. This is a billing failure between the provider and the lab, not a valid consumer debt. I have attempted to resolve this directly with XXXX XXXX XXXX but have not received a resolution. I am requesting : - Immediate removal of this debt from collections - Confirmation that I am not financially responsible- Prevention or removal of any negative credit reporting This debt is currently under formal dispute.

I am a victim of identity theft and am filing this complaint regarding a fraudulent account being reported on my credit profile. An account associated with CREDIT CONTROL , LLC, showing a balance of approximately {$1000.00} and reported as opened around XX/XX/year>, does not belong to me. I did not open, authorize, or benefit from this account in any way. Upon discovering this, I immediately took action by filing an Identity Theft Report with the Federal Trade Commission, submitting a police report, and disputing the account with the credit reporting agencies. Despite these actions, this fraudulent account continues to be reported, causing damage to my credit and financial standing. Under the Fair Credit Reporting Act ( FCRA XXXX ), I am requesting that this account be immediately blocked and removed from my credit file, and that all reporting related to this fraudulent account cease.…

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I am filing a complaint regarding inaccurate and improper debt collection and credit reporting. I previously disputed this alleged debt in writing with Credit Control , LLC and requested proper validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). The company failed to provide adequate validation, as they did not supply any signed agreement, complete account history, or proof of their legal authority to collect this debt. Despite my written dispute and request that all collection activity cease until proper validation was provided, the company continued collection efforts in violation of the FDCPA. Additionally, this account has now been reported to my credit file through TransUnion, and it is not being reported as disputed, despite my prior written dispute. This is inaccurate and misleading reporting and a violation of the Fair Credit Reporting Act ( FCRA ).…

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Re : Debt Validation Request Pursuant to 15 U.S.C. 1692g Formal Dispute of Alleged Debt Account Number : XXXX To Whom It May Concern : This letter is being sent in response to your attempt to collect a debt, and your reporting of such alleged debt to consumer reporting agencies. Be advised that this is a formal dispute of the validity of the alleged debt and a demand for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). Until you provide complete validation as required by law, you must cease all collection efforts and remove any reporting to consumer credit reporting agencies. 1. Demand for Full and Proper Validation You are hereby required to provide the following : A complete accounting of the alleged debt, including a breakdown of the principal, interest, fees, and other charges. A copy of the original signed contract or agreement that legally obligates me to pay the debt.…

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I am filing this formal complaint regarding inaccurate and unverifiable credit reporting by CREDIT CONTROL LLC concerning an alleged collection account from XXXX XXXX in the amount of {$560.00}, reported XX/XX/year>. The tradeline is materially incomplete and fails to meet the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ) requirement for maximum possible accuracy. Critical required data fieldsincluding account type, amount past due, and credit limitare listed as Not Reported, yet the account is still marked derogatory. This incomplete reporting indicates the furnisher can not properly verify the debt. Under the FCRA, any information that can not be verified through a reasonable investigation must be permanently deleted rather than updated. Additionally, continued reporting without providing competent debt validation violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ), which prohibits deceptive or unfair collection practices.…

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Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ) I am formally requesting that the debt collector immediately cease and desist all communication with me regarding the alleged debt referenced in this complaint, as permitted under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). Despite my request, the company has continued to contact me through [ calls/messages/letters ], which I believe is a violation of federal law. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the collector must stop all further contact except to advise that collection efforts are being terminated or that specific legal remedies may be pursued. I do not consent to any further communication from this company. Any additional contact beyond what is legally permitted will be documented and may result in further complaints and legal action.…

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XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX To Whom It May Concern, I. NOTICE OF DISPUTE AND RIGHT TO VALIDATION I am writing in response to your collection activity regarding the above-referenced account. Be advised : I am exercising my right to dispute this alleged debt and demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay this is a lawful demand to verify that this debt is valid, that you have legal authority to collect it, and that the reported information is accurate. Under 1692g ( b ), you are required to cease all collection activity including any credit reporting until you have provided adequate verification of this debt. II. SPECIFIC VALIDATION REQUIRED I am demanding the following documentation be provided in writing within 30 days of receipt of this letter : 1.…

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I am submitting this response to the statement provided by Credit Control in connection with my original complaint. Credit Control asserts that it can not respond due to a lack of personally identifiable information ( PII ), specifically citing the absence of my date of birth and full address. This position is legally untenable and directly contradicts their ongoing collection activity. Credit Control has already initiated collection efforts against me and has sent correspondence regarding this alleged debt. In my original complaint, I provided copies of the exact documents Credit Control sent to medocuments which clearly demonstrate that the company has already associated me with the account for the purpose of collection. If Credit Control genuinely lacks sufficient identifying information to verify my identity, then its collection activity itself is called into question.…

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I am submitting this formal complaint against Credit Control , LLC regarding their failure to properly validate an alleged debt, despite multiple written requests sent via certified mail. Over the past year, I have sent several debt validation requests to Credit Control , LLC. In these letters, I clearly requested specific documentation to verify the legitimacy of the alleged debt. However, instead of providing proper validation, the company has repeatedly responded only with generic invoices or billing statements, which do not meet the legal requirements for debt validation. Specifically, I requested the following : XXXX. A copy of the original contract or agreement bearing my signature that created the alleged obligation with the original creditor. XXXX. Documentation proving their legal authority to collect this debt, including a complete chain of assignment or sale from the original creditor to Credit Control , LLC. To date, none of this information has been provided.…

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Account : CREDIT CONTROL LLC XXXX XXXX XXXX ) Balance {$900.00} Opened XX/XX/year> This account is disputed as identity theft and/or inaccurate reporting under the Fair Credit Reporting Act. Violations include : - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) I demand immediate deletion unless full verification is provided. Sincerely, XXXX XXXX

To Whom It May Concern, I. NOTICE OF DISPUTE AND RIGHT TO VALIDATION I am writing in response to your collection activity regarding the above-referenced account. Be advised : I am exercising my right to dispute this alleged debt and demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay this is a lawful demand to verify that this debt is valid, that you have legal authority to collect it, and that the reported information is accurate. Under 1692g ( b ), you are required to cease all collection activity including any credit reporting until you have provided adequate verification of this debt. XXXX. SPECIFIC VALIDATION REQUIRED I am demanding the following documentation be provided in writing within XXXX days of receipt of this letter : XXXX. A copy of the original signed credit card agreement or application bearing my signature establishing my liability for this account XXXX.…

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To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the above-referenced accounts that your company is reporting to consumer reporting agencies. This dispute is made pursuant to the Fair Debt Collection Practices Act, including 15 U.S.C. 1692c and 15 U.S.C. 1692g, which grant consumers the right to dispute alleged debts and request proper validation from a debt collector. I do not acknowledge any obligation for the alleged debts referenced above. Therefore, I am requesting full validation of these accounts. Please provide the following documentation : A copy of the original contract or agreement bearing my signature A copy of the original credit or service application Complete account statements showing how the alleged balance was calculated Documentation showing that your company has legal authority to collect the alleged debt Proof of assignment or transfer of the debt from the original creditor to your company Verification of the date of…

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This letter serves as a formal notice that I am disputing the validity, accuracy, and enforceability of the above-referenced alleged debt. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I do not acknowledge this debt as valid and request full validation as required by law. 1. Dispute of Accuracy and Amount Under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2, I dispute the accuracy of the alleged balance. You are required to provide a complete accounting of the debt, including : Original amount of the alleged debt Itemization of all fees, interest, and charges Date of default and charge-off Explanation of how the amount was calculated Failure to provide this information renders the debt inaccurate and unverifiable. XXXX. Request for Validation of XXXX XXXX to XXXX XXXX.…

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This situation is both unacceptable and deeply distressing. I have been subjected to collection efforts regarding an alleged debt that I do not recognize, have never authorized, and that has not been properly verified. Being confronted with an unknown debt and receiving repeated, aggressive communications across multiple platformssome including threats of legal actionis both alarming and inappropriate. As a law-abiding consumer, I consider this a serious violation of my rights. This matter is causing significant emotional distress and disruption to my daily life.

I AM XXXX XXXX XXXX AND I AM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY INVOLVED. I am filing this complaint against CREDIT CONTROL , LLC ( Reference # XXXX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act. This is the exact same {$320.00} XXXX debt ( account ending in XXXX, originally opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ) that was previously placed with XXXX XXXX XXXX in XX/XX/XXXX. I disputed that debt with a timely FDCPA validation request on XX/XX/XXXX ( certified mail ) and filed CFPB complaint # XXXX. XXXX validated the debt with one billing statement, ceased all collection activity, deleted any credit reporting, noted the account as disputed, and returned it to XXXX ( see attached XXXX letter dated XX/XX/XXXX and CFPB response ). XXXX then re-placed the identical debt with CREDIT CONTROL in early XXXX.…

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I was first reached out by the company credit control on XX/XX/XXXX by email saying I owed a debt, and they are reaching out trying to collect. I didn't see this email, so they sent a second email on XX/XX/XXXX. It wasn't until the XX/XX/XXXX that I saw both emails. I was planning to send them certified mail asking for debt validation etc. until I fully read their first email sent on XX/XX/XXXX. Here is they said in their first email for context. " How can you dispute the debt? Call or write to us by XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. If you write to us by XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may also include supporting documents. We accept disputes electronically at XXXX. What else can you do? Write to ask for the name and address of the original creditor, if different from the current creditor.…

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