Consumer complaint received 2023-06-04
Company: Credit Control, LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX  in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) XXXX  Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. 
Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. 
Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of XXXX interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor XXXX, as under Act a ) ( 5 ) Validation period XXXX  sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies Credit Control LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX all were whom XXXX resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, Natl Assn, ( 11th Cir. Feb. 11, 2020 ). 
Credit ControlLLC mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. 
The actions of XXXX XXXX  to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXX, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company XXXX can not charge interest and fess after Charge-off sold debt, where XXXX  may already have 1099-C issuance relief, nonetheless the calculated amount for which XXXX  reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. XXXX also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when XXXX was noticed to close the account during COVID XXXX error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month XXXX cancelled the relief yet continued it for another XXXX account for which consumer pays {$88.00} without fail, being. XXXX account XXXX

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