Debt collection -- Attempts to collect debt not owed -- Complaint #19541693
Complaint Overview
Complaint ID: 19541693
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: New Jersey
ZIP Code: 07054
Date Received: 2026-02-16T12:00:00-05:00
Date Sent to Company: 2026-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit Control , LLC is attempting to collect an alleged XXXX XXXX XXXX . account ending in XXXX that I never authorized to be reported or pursued against me. I am demanding accountability. A company can not simply assign a debt to my name and begin collection efforts without first establishing lawful authority and legal liability. This situation has caused serious financial and emotional harm. My credit standing is being negatively impacted, my ability to make financial decisions is being affected, and I am being forced to defend myself against a debt I did not consent to. I am requesting full validation under 15 U.S.C. 1692g, including complete documentation proving I am legally obligated and that Credit Control , LLC has the legal right to collect. Continuing to pursue collection without first meeting the strict validation requirements of the Fair Debt Collection Practices Act is a direct violation of federal law. Collecting or attempting to collect a debt without confirming accuracy and lawful authority is deceptive and abusive conduct. I am also demanding clarification on how my personal information was obtained and used without establishing permissible purpose. I will not accept collection pressure without proof. If these violations continue, I am prepared to pursue legal remedies under federal law for damages.
Frequently Asked Questions
What is Complaint #19541693 about?
Complaint #19541693 was filed against Credit Control, LLC regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-02-16T12:00:00-05:00.
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.