Debt collection -- Written notification about debt -- Complaint #18158814
Complaint Overview
Complaint ID: 18158814
Company: Credit Control, LLC
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 75042
Date Received: 2025-12-18T12:00:00-05:00
Date Sent to Company: 2025-12-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I received a collection notice from Credit Control , LLC regarding an alleged debt purportedly owed to XXXX XXXX XXXX XXXX I timely disputed the alleged debt in writing and demanded validation pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681. Credit Control , LLC failed to provide the original signed contract, complete payment history, chain of title, or proof of legal standing. Despite this failure, Credit Control , LLC continues collection efforts and/or credit reporting, constituting unlawful collection activity, false representation of the legal status of the debt, and failure to conduct a reasonable investigation under 15 U.S.C. 1681s-2 ( b ). Additionally, Credit Control , LLC failed to disclose whether the debt was charged off, cancelled, insured, securitized, or subject to IRS Form 1099-C , creating a material accounting and reporting contradiction. Continued reporting and collection without validation is inaccurate, deceptive, and unlawful.
Frequently Asked Questions
What is Complaint #18158814 about?
Complaint #18158814 was filed against Credit Control, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-12-18T12:00:00-05:00.
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.