Consumer complaint received 2021-06-29
Company: Credit Control, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2021 I received a collection letter from Credit Control , LLC requesting that I pay {$2600.00} in what appears to be a credit card debt owed by someone that has the same first and last name as I do. I have never initiated, accrued, acquired, or owed this debt. I have never had any account, or affiliation, or debt owed to XXXX XXXXXXXX XXXX 

The following is a timeline on how I attempted to resolve this erroneous debt collection. 

1 ). Call made to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX  to ask why I am being billed for a debt that isn't mine. Associate stated that they could not give me any information due to my social security and date of birth not matching what is in their records. 

2 ). Call made to XXXX XXXX XXXXXXXX XXXX Customer Service on XX/XX/2021 asked associate if there was any information about me having an account with them. After providing them with my date of birth, social security number, name and address, the associate stated that there is nothing on file matching that information. 

3 ). On XX/XX/2021 I filed a fraud report with the Arizona State Attorney General Office and they submitted my report to Credit Control , LLC. 

4 ). On XX/XX/2021 I received an e-mail response from the Arizona State Attorney General Office that had Credit Control , LLC 's response letter, debt validation documents, including past credit card statements attached.

5 ). I made a call to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX to speak with XXXX XXXX, Vice President of Operations. Call connected but no response on their end of the line. 

6 ). Call made to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX I asked to speak with XXXX XXXX and the associate that I spoke with said that he does not speak to anyone on the phone. I asked to speak to XXXX XXXX with operations control and the associate attempted to transfer the call but was unable to because they were having connection issues and could not transfer the call. The associate asked for my phone number and the associate told me that XXXX XXXX would return my call within a few minutes. 

7 ). Received a call from XXXX XXXX from Credit Control , LLC on XX/XX/2021 at XXXX XXXX  He verified my personal information and stated that my social security number, date of birth and address do not match what is in their account records. He stated that he doesn't know exactly how this got attached to me, and that my name was probably skip traced and my mailing address came up. He apologized that this happened and Mr. XXXX said that they would get this fixed and have the delinquent account removed from my mailing address. 

8 ). On XX/XX/2021 at XXXX p.m. I spoke with XXXX with the Arizona State Attorney General Office and he asked if I wanted to close this case since XXXX XXXX from Credit Control , LLC verbally stated that this debt collection would discontinue due to the alleged skip tracing error. I told XXXX that I wanted the case to remain open due to the fact that I have not received an official response in writing from Credit Control , LLC stating that I personally do not owe this debt. XXXX recommended that I file a claim with the FTC to further address this erroneous debt collection. 

9 ). On XX/XX/2021 I received a letter from a different debt collector, XXXX XXXX XXXX asking for the payment of {$2600.00} which is the same account and dollar amount that Credit Control , LLC is attempting to collect on.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation