Debt collection -- False statements or representation -- Complaint #17954083
Complaint Overview
Complaint ID: 17954083
Company: Credit Control, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: California
ZIP Code: 94531
Date Received: 2025-10-09T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Re : Formal Complaint Against Credit Reporting Agencies and Furnisher of Information Accounts in dispute include, but are not limited to, the following : - XXXX XXXX XXXX - {$760.00} ( # XXXX ) - XXXX XXXX - {$1800.00} ( # XXXX ) / {$760.00} ( # XXXX ) - XXXX XXXX XXXX XXXX {$1800.00} ( # XXXX ) / {$760.00} ( # XXXX ) - XXXX XXXX XXXX XXXX XXXX # XXXX ) - XXXX XXXX XXXX XXXX XXXX # XXXX ) - XXXX XXXX XXXX - {$1800.00} ( # XXXX ) / {$760.00} ( # XXXX ) - Credit Control LLC XXXX {$1800.00} ( # XXXX ) / {$760.00} ( # XXXX ) - XXXX XXXX - {$1800.00} ( # XXXX ) / {$760.00} ( # XXXX ) - XXXX XXXX XXXX XXXX XXXX # XXXX ), ( # XXXX ), ( # XXXX ) To Whom It May Concern, I am filing this complaint regarding inaccurate and unverified information being reported on my credit reports by XXXX XXXX XXXX XXXX. Despite my written disputes, the bureaus continue to report information that is incorrect and has not been properly validated. The following issues remain unresolved : 1. Disputed Accounts I have requested, under 15 U.S.C. 1692 ( g ) of the Fair Debt Collection Practices Act ( FDCPA ), validation of alleged debts. Specifically, I requested : - The name and address of the original creditor. - A copy of the original signed agreement establishing any obligation to pay. - An itemized accounting of the reported balance. - Confirmation whether any insurance claim has been made or paid on this debt. - The chain of title or assignment, showing all parties who have owned, transferred, or collected on this debt. - Proof that the reporting party is legally authorized to collect or report this account. - Evidence of true accord and satisfaction, showing lawful resolution of any alleged obligation. To date, I have not received the requested validation. The bureaus are required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 2 ) ( A ), to conduct a proper investigation, yet the information continues to appear without verification. 2. Inaccurate Personal Information In addition, my credit file contains incorrect personal identifiers, including : - Wrong name ( s ) : I only have one legal name, XXXX XXXX, and no other names or variations should be associated with my credit file. - Wrong address ( es ) : [ List the incorrect address ( es ) ] - Wrong phone number ( s ) : [ List the incorrect phone number ( s ) ] These items are inaccurate and harmful to my file. I have provided my correct information and supporting documentation, yet the errors remain. 3. Cease Improper Contact I have also invoked my rights under 15 U.S.C. 1692 ( c ) to require that any collector communicate with me only in writing. Despite this, I continue to be subjected to improper contact attempts. The continued reporting of inaccurate and unverified information is a violation of both the FCRA and the FDCPA. I am requesting that the CFPB investigate these matters, compel the credit bureaus and any furnishers to comply with federal law, and ensure that all inaccurate and unverifiable information is permanently removed from my credit reports. Please confirm receipt of this complaint and advise me of the next steps. Best Regards XXXX XXXX,
Frequently Asked Questions
What is Complaint #17954083 about?
Complaint #17954083 was filed against Credit Control, LLC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-09T12:00:00-05:00.
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.