Credit Control, LLC

I received a letter in the mail from Credit Control LLC saying that I owe a debt to XXXXXXXX XXXX XXXX XXXXXXXX amount of {$540.00}. I have already notified Credit Control that I am a XXXX XXXX XXXX XXXX so they are to cease and desist contacting me. They did not provide a written validation of debt within the time frame required by law after their first contact with me. I am filing this complaint because Credit Control and XXXX XXXX are attemtpting to collext exempt funds. The United States Department of Veteran Affairs has already determined that as a permanent aXXXX XXXX XXXX XXXX XXXX my income is exempt from the claims of creditors. Since both companies are now in violation of consumer protection laws I am filing this complaint and have notified the Texas Attorney General.

XXXX never sent me mail about the debt. I always wanted to pay but couldn't because of a pin. Credit collector never wanted to be recorded to verify information by phone. I have recording of the calls.

I am filing this complaint to dispute an inaccurate collection account that has been transferred from XXXX XXXX XXXX XXXX Credit Control , LLC. This debt stems from XXXX XXXX charges for XXXX and XX/XX/year> after I vacated the property before XX/XX/year> due to eviction. I did not receive services during the period being billed, and I returned all XXXX equipment. I am not legally responsible for these charges. Despite my dispute, this account has been reported again under a new collection agency, causing continued and unnecessary damage to my credit. Transferring a disputed debt does not resolve the underlying inaccuracies or make the information accurate. I request a complete investigation and require Credit Control , LLC and XXXX XXXX to provide competent evidence that I am legally responsible for this debt.…

Formal Dispute and Demand to Cease Collection Activities. I am writing to formally dispute the alleged debt that has been reported and transferred between debt collectors. This account was previously disputed with XXXX Collections, and despite my dispute, the account has apparently been sold or assigned to another collection agency. I do not owe this debt and do not acknowledge any legal responsibility for it. Based on my bank payment history and records, I have found no evidence supporting the validity of this claim. Furthermore, I terminated my relationship with XXXX XXXX due to identity theft concerns and unauthorized activity. Any account associated with this alleged debt may be the result of fraud or identity theft. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand complete validation of this alleged debt, including : The name of the original creditor. The amount allegedly owed. Copies of any agreement bearing my signature.…

Subject : Formal Dispute and Demand for Validation and Deletion To Whom It May Concern, I am writing to dispute the collection account reported on my credit file formally. I do not recognize this account as valid, and it appears to be inaccurate and unverified. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, you are required to provide proper validation of this debt, including the original signed agreement, a complete account history, and proof of your legal authority to collect and report this account. To date, no such documentation has been provided. If you are unable to provide full validation, you must immediately delete this account from my credit report as required by the Fair Credit Reporting Act. Continued reporting of unverified or inaccurate information constitutes a violation of federal law.…

This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

" I am a consumer experiencing documented financial hardship. I have officially terminated my contract with third-party debt management services to handle my obligations independently under a strict monthly budget. Credit Control , LLC is currently collecting on a former XXXX XXXX XXXX credit card account ending in XXXX. I have previously initiated proactive correspondence to your office proposing a direct, affordable XXXX XXXX monthly hardship payment arrangement to resolve this balance responsibly. Because this account was left unnegotiated by my former program, I am using this portal to secure a formal response. I am unable to safely negotiate these terms over the telephone due to stress and the critical need for a written paper trail, and your agency does not offer a transparent consumer email option for direct hardship setups. ''

I am filing this complaint because Credit Control LLC is reporting an alleged debt of {$890.00} on my credit report that I dispute. I have concerns regarding the accuracy and validity of this account. I request that Credit Control LLC provide complete validation of the alleged debt, including documentation showing I am legally responsible for it, an itemized accounting of the balance, and proof that they have the legal authority to collect it. If they can not provide sufficient documentation to verify the debt, I request that they immediately cease all collection efforts and remove the account from all consumer reporting agencies. I also request that they investigate the accuracy of the information being reported and correct or delete any inaccurate, incomplete, or unverifiable information in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA )

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Credit Control , LLC has been sending me letters requesting to pay debt from XXXX XXXX XXXX XXXX account. Reference number : XXXX. I mailed letter requesting hard copy of written verification of this debt. No response. I called their TTY XXXX listed in the letter via my phone XXXX at around XXXX XX/XX/year>. I heard only beeping sound, no one picks up. I called XXXXXXXX XXXX and confirmed my account had been closed with XXXX balance. This is totally scam trying to get extra money from customers with no debt. And they had acquired my PII illegally.

Credit control , Llc reference number XXXX XXXX wireless XX/XX/year> this Debt is XXXX XXXX XXXX pass the statute.

Credit control LLC It is not my account ; I currently have my service with XXXX, and they are charging me for a debt with XXXX that isn't mine.

Creditcontrol reached out to a family member via email and used my name, address and last 4 digits of my account number including debts owed. I feel like this violated my personal information.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XX/XX/year> Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern : I am responding to your communication regarding the debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide : The name and address of the original creditor. The amount of the alleged debt, including any interest, fees, or other charges. Documentation showing that I am legally obligated to pay this debt. Documentation showing that your company has the authority to collect this debt. Until you provide the requested validation, I dispute this debt and request that collection activities cease as required by applicable law. Please communicate with me in writing regarding this matter. Thank you for your attention to this request. Sincerely, XXXX XXXX

I just recieved an email with my information and it has an incorrect address I live in Illinois not Florida so all my information got sent there. Im disgusted that this happened and needs to be correct and delt with immediately.

I have already filed complaints with the Federal Trade Commission ( FTC ), my State Attorney General, and the XXXX XXXX XXXX regarding Credit Control , LLC 's continued reporting of this alleged debt. I never received the required initial written notice before this account was placed on my credit report, and I have repeatedly requested proper documentation and validation of this alleged debt multiple times. Credit Control continues to report this account despite failing to provide competent evidence that I legally owe this debt. Simply providing a billing statement, balance screenshot, or account summary is not proper validation. Because this account is being reported as an alleged XXXX debt, proper validation should include, at a minimum : A copy of the original signed service agreement or contract bearing my signature. Complete billing statements showing how the balance was calculated. A detailed payment history from account opening through charge-off.…

On or around XX/XX/year> I tried getting cellular and internet with XXXX XXXX. I ordered these products over the phone with a customer representative. I never received the products on the day it said it was supposed to be delivered. I reached out to them to let them know, they reassured me they would cancel that order and resend phone and WiFi box but instead they refunded me my money. I never recieved the products therefore I should not be charged for services I never got. I instead went with another company which was way cheaper than XXXX was offering. I explained this to them thurly and even sent screenshots of them refunding my money. Im constantly being harassed for a bill that I am not responsible for because I never even recieved what I ordered

Lady called ( XXXX ) asking about matters concerning a bill, as I was speaking to her and English she kept telling me that she couldnt understand me and she couldnt understand what I was saying and I told her Im speaking playing English. Is there any other kind of language would you like me to speak if you can not understand the English language? thats when she proceeded to tell me she cant understand what Im saying but what Im saying is not making any sense. Im just going in circles. which I replied, Im not going in circles. I just told you what I wanted to do. I want to resubmit a dispute which she told me that the information that I was trying to provide would not help me at all so why would I be trying to re-dispute and like I told her just let me go ahead and read disputed so that I can get the matter done then she proceeded once again. I cant understand you. I cant understand what youre saying.…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Credit Control LLC. ) XXXX XXXX XXXX XXXX TX Account Number : XXXX RE : FORMAL DEMAND FOR VALIDATION 15 U.S.C. 1692g To Whom It May Concern, This is a formal notice that I dispute the validity of the alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you provide proper validation of the debt. To date, you have failed to provide competent evidence supporting your claim. I demand that you provide the following : Original contract bearing my signature Full accounting of the alleged debt Proof of assignment and chain of title Evidence of your legal authority to collect Name and address of the original creditor NOTICE OF CEASE & DESIST Until such validation is provided, you must : Cease all collection activity immediately Cease all reporting to any credit bureau Any continued reporting or collection activity without validation…

I am filing a formal complaint against credit control LLC for willful for violating of the FDCPA this account is originates from credit XXXX XXXX ( XXXX XXXX XXXX ) and is actively under an open cfpb investigation against resurgent XXXX XXXX XXXX under case number XXXX. On XXXX the XXXX XXXX XXXX submitted a response to cfpb explicitly admitting that they placed this dispute account with credit control LLC while simultaneously stating they " decline to provide '' a copy of the purchase and sale agreement contracts. Furthermore, the collectors have only provided a historical credit card statement providing a balance of {$420.00}, I formally sent a dispute invalidation letter to credit control , LLC via certified mail on XX/XX/2026. It is a violation of federal law to flip an unverified actively dispute balance to a new third party at agencies to evade validation requirements.…

A debt collector Credit Control , LLC on XX/XX/year>, sent a text message to my roommate, who has no financial relationship to me. The message included my name, referenced an XXXX XXXX account, and identified itself as a debt collector. This disclosed my debt to a third party in violation of the FDCPA. This was not a request for location information. It directly revealed my debt to someone unrelated to the account.

I am a recipient of Social Security XXXX XXXX ( XXXX ), which is my sole source of income and is fully exempt from collection under 42 U.S.C. 407. Credit Control , LLC , acting as collection agent for XXXX XXXX XXXX XXXX XXXX XXXX has sent me multiple email communications attempting to collect an alleged debt of {$16000.00} ( Reference No. XXXX, original creditor XXXX XXXX. ). Most recently I received an " Offer Expiring '' email threatening that a settlement offer would expire on XX/XX/year>, implying negative consequences if I do not pay. These communications constitute an attempt to collect funds from a consumer whose only income is federally exempt XXXX benefits, and suggest my credit would be damaged if I do not respond. I am requesting the CFPB investigate whether Credit Control LLC is properly licensed to collect debts in XXXX and XXXX XXXX and whether their collection communications directed at an SSDI recipient comply with the FDCPA.…

Pursuant to 15 U.S.C. 1692g, I dispute the validity of this alleged debt and request validation of the account, including documentation supporting the amount claimed and proof of your authority to collect. Additionally, pursuant to 15 U.S.C. 1681s-2, I dispute the accuracy and completeness of any information furnished regarding this account. I request a reasonable investigation and correction or deletion of any information that can not be verified. This letter is not an acknowledgment of liability and should not be construed as a promise to pay.

Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.

I was a victim of identity fraud. I filed a police report and the person of interest was arrested and charged. We are now awaiting a court date a police report attached as as well as as an FTC report this telephone collection does not belong to me and Ive gotten threatened messages from collection agencies about reporting to my credit.

I am writing to formally dispute the alleged debt that Credit Control LLC claims I owe. I do not acknowledge responsibility for this debt and request complete validation of the account. Please provide the following documentation : A copy of the original signed agreement or contract bearing my signature that created the alleged obligation. The name and address of the original creditor. The complete account number and account history. Documentation proving that I am legally responsible for the debt. Documentation establishing Credit Control LLC 's authority to collect this debt. An itemized accounting of the amount claimed, including all fees, interest, and charges. If you are unable to provide the original obligation agreement or other competent evidence establishing that I am legally responsible for this debt, I demand that the account be deemed unverifiable and removed from all consumer reporting agencies to which it has been reported.…

NOTICE OF IDENTITY THEFT DISPUTE & CESSATION DEMAND FORMAL FRAUD DISPUTE UNDER FDCPA 1692g AND FCRA 1681i VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Electronic Dispute Copy Sent To : XXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OK XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX RE : Formal Identity Theft Dispute and Absolute Cease and Desist for Alleged Account No. Ending in XXXX ( Reference # : XXXX ) 1. FORMAL DISPUTE AND IDENTITY THEFT NOTICE I am in receipt of your collection notice dated XX/XX/XXXX, regarding an alleged XXXX XXXX from XXXX XXXX XXXX account ending in XXXX, claiming a balance due of {$550.00}. This letter serves as my formal notice to your agency that this account is completely fraudulent and is the direct result of criminal identity theft.…

I am disputing the alleged debt referenced in your correspondence. To date, I have not received sufficient documentation establishing that I am legally obligated for this debt. Please provide documentation supporting your claim, including : A copy of the original agreement or contract bearing my signature or other evidence that I entered into the agreement. Documentation showing the amount claimed is accurate and how it was calculated. Documentation demonstrating your authority to collect this debt, including any assignment or transfer of the account, if applicable. Until you provide adequate verification of this debt, I request that collection efforts cease and that the account be marked as disputed. This letter is not an acknowledgment of liability, nor is it a promise to pay. I reserve all rights and defenses available to me. Sincerely, XXXX XXXX XXXX

CREDIT CONTROL SENT THIS OFFER I PAID IT Get Ready for Discounts! See the savings that are waiting for you. If you need some debt relief, take advantage of the savings shown below. You can get rid of this debt for less than what you owe. Option XXXX : Resolve your account in XXXX payment of {$340.00}. You save {$510.00}! XX/XX/XXXX XXXX Purchase - {$340.00} Location : XXXX, MO Purchase XXXX : XX/XX/XXXX Category : Miscellaneous/Bill Pay ( BP ) Hi XXXX, Thank you for your payment authorization! This is being sent to confirm that authorization was provided on XX/XX/XXXX to Credit Control , LLC for the following transaction ( XXXX ) : Account Number : XXXX Payment Method : XXXX First Payment Date : XX/XX/XXXX Number of Payments : XXXX Payment Amount : {$340.00} Payment Frequency : Once Should you have any questions or concerns regarding this payment or your account, please do not hesitate to contact us.…

A {$170.00} collection account from XXXX appeared on my credit report through Credit Control LLC XXXX I contacted Credit Control LLC directly and a representative confirmed that they no longer held the account because XXXX had recalled it back to them. I then contacted XXXX, was instructed to go to a retail store and pay the balance, and did so on XX/XX/2025. I have a receipt from XXXX and a matching bank transaction record confirming the {$170.00} payment. Despite their own representative telling me they no longer held this account, Credit Control LLC continued to report this debt as an active unpaid collection to all three major credit bureaus. When XXXX contacted Credit Control LLC during my dispute investigation, Credit Control LLC told XXXX that the balance was correct and that I still owed {$170.00}. This is completely false and directly contradicts what their own representative told me when I called.…