Consumer complaint received 2022-10-24
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : Call received from Credit Control , LLC ( XXXX XXXX  at XXXX XXXX Call was blocked. 
XX/XX/XXXX : Received Debt Collection Letter from Credit Control , LLC. I called Credit Control , LLC and spoke to a XXXX  and tried to convince her that it was not my debt ( they had the wrong person ). XXXX  asked if my birth month was XXXX ( its not ) and I replied that it wasnt even close. Aide then said they would remove my name from the debt and abruptly hung up. I called back several times to try to confirm that they were indeed going to remove my name from the debt action. I could not get confirmation. 
XX/XX/XXXX : I spoke with my attorney at XXXX XXXX, XXXX and he advised me to send a Debt Validation request letter to Credit Control , LLC. I sent the letter on XX/XX/XXXX to Credit Control , LLC ; XXXX XXXX XXXX, XXXX, MO XXXX and included their Debt Letter Reference # : XXXX. I indicated that I disputed the debt ( returned the response slip provided in the XXXX XXXX XXXX ) and asked for debt validation. The debt is for {$690.00} and the original creditor was XXXX XXXX XXXX, XXXX. 
XX/XX/XXXX : I received two letters ( dated XX/XX/XXXX ) from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MI XXXX. The first letter basically said they are looking into my inquiry. The actual text stated : XXXX XXXX XXXX XXXX manages the above referenced account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from Credit Control LLC, the current servicer of this account. They included an Account XXXX : XXXX and a Reference ID : XXXX. The second letter basically said they were verifying the debt with the enclosed information. The actual text stated : We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. The enclosed account summary included a credit card statement from late XXXX and was addressed to an individual with the same name as mine, but with a different address than mine. I have lived at my current address since XXXX way before the account initiation of XXXX. Additionally, I always use my middle initial on all formal documents I sign. Bottom line : The debt verification response identified that a debt existed, but not that I am the responsible for the debt. Its unfortunate that the debt verification did not include more specific identifying information such as Date of Birth ( DOB ), individuals Middle Initial, and the last 4 digits of the Social Security Number ( SSN ) of the person they say is responsible for the debt. In fact, based on what they did provide, the information supports my contention that I am not responsible for the debt, because I never lived at the address contained on the credit card statement. So, it appears that XXXX XXXX XXXX performed an incomplete due diligence of the debt action, or they have additional information they are not providing ( as requested in my Debt Validation Letter ). 
XX/XX/XXXX : A letter was sent to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX from my attorney at XXXX XXXX XXXX XXXX. again disputing the debt, requesting debt validation and any information they have that indicates whether or not I am responsible for the debt. This letter also enclosed a Name XXXX signed by me, that I am not the XXXX XXXX named as the Accountholder of Account Number XXXX. This Name XXXX  was notarized and sent with the letter. 
XX/XX/XXXX : My attorney at XXXX XXXX, XXXX. received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This letter again stated the enclosed account summary provided verification of the debt. Unfortunately, the enclosures were virtually identical to the correspondence received from XXXX XXXX XXXX XXXX that was dated XX/XX/XXXX. Nothing new or definitive was provided. 
XX/XX/XXXX : As of this date, I can not tell if XXXX XXXX XXXX XXXX still believes I am responsible for the debt. Their information provided certainly doesnt demonstrate that fact, and I know that is not my debt.

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