Debt collection -- Attempts to collect debt not owed -- Complaint #10466653
Complaint Overview
Complaint ID: 10466653
Company: Credit Control, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: California
ZIP Code: 93722
Date Received: 2024-10-14T12:00:00-05:00
Date Sent to Company: 2024-10-14T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Re : Complaint Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC Your Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject of Complaint : Disputed Debt Collection Practices Violation of Fair Debt Collection Practices Act ( FDCPA ) Violation of Fair Credit Reporting Act ( FCRA ) Details of the Complaint : I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC regarding their handling of a debt that I dispute. On XX/XX/year>, I received a letter from XXXX XXXX XXXX, indicating that after investigating my fraud claim, the account referenced in their communication would be closed and not sold, and they assured me that the tradeline would be deleted from the credit bureaus. However, I received a debt collection notice dated XX/XX/year>, from Credit Control , LLC, indicating that the account has been sold to them for collection. This is a direct contradiction to the information I received from XXXX XXXX XXXX. Despite my attempts to seek clarification and resolution, these companies have failed to provide adequate responses or validate the debt in question. Their actions have caused significant harm to my creditworthiness and have left me feeling misled and frustrated. The specific issues I am experiencing include : 1. Inconsistent Information : The contradictory statements regarding the status of the account from XXXX XXXX XXXX and the collection notice from Credit Control , LLC. 2. Lack of Debt Validation : Credit Control , LLC has not provided verification of the debt as required by the FDCPA. 3. Credit Reporting Issues : Negative information related to this account remains on my credit report, despite assurances of deletion from XXXX XXXX XXXX XXXX 4. Potential Violations : I believe these companies are violating my rights under the FDCPA and FCRA by continuing to pursue collection efforts and reporting inaccuracies on my credit report. Resolution Sought : I request that the CFPB investigate these practices and help facilitate a resolution. I seek the following : Immediate cessation of collection efforts by Credit Control , LLC regarding this account. Verification of the debt from XXXX XXXX XXXX and Credit Control , LLC, including documentation of the chain of ownership. Correction or removal of any negative information related to this account from my credit report. I have attached copies of relevant correspondence with XXXX XXXX XXXX and Credit Control , LLC, along with my previous dispute letters for your review. Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
Frequently Asked Questions
What is Complaint #10466653 about?
Complaint #10466653 was filed against Credit Control, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-10-14T12:00:00-05:00.
How did Credit Control, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Credit Control, LLC?
Yes, visit the Credit Control, LLC company profile at readthecomplaint.com/company/credit-control-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.