Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Dispute of Alleged Debt Reference Number : XXXX Creditor : XXXXXXXX XXXX ( XXXX XXXX ) To Whom It May Concern : I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe to XXXX XXXX. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, I request that you immediately provide me with full validation of this debt.

Please be advised that a formal complaint has also been filed with the Consumer Financial Protection Bureau ( CFPB ) regarding this account and your collection practices at the same time of writing this letter. This complaint is currently under review. 

I am requesting the following documentation to validate this debt : 1. Proof of Ownership : Provide the complete chain of title for this debt, including all transfer/sale documentation from the original creditor, XXXX XXXX , to XXXX XXXX XXXX XXXX XXXX You must demonstrate that you have the legal standing and ownership rights to collect on this account. 
2. Original Signed Agreement : Provide a copy of the original contractual agreement bearing my signature that lawfully binds me to this debt.

3. Full Account History : Provide an itemized statement showing all charges, payments, credits, and the calculation leading to the alleged balance of {$1100.00}.

4. Proof of Collection Authority : Provide evidence that XXXX XXXX XXXX XXXX is duly authorized to collect debts in my state and that you have legal authorization from the current creditor to collect this specific account. 

Until you provide the above-requested validation, you must cease all collection activities immediately, including reporting or furnishing this account to any credit reporting agency. Continuing collection efforts without proper validation is a direct violation of the FDCPA, specifically 15 U.S.C. 1692g ( b ).

Additionally, reporting unverifiable information to the credit bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which mandates that all information provided to consumer reporting agencies must be complete and accurate. 

Please be advised : Failure to provide the required documentation within 30 days of receipt of this notice will result in further action, including escalation with the CFPB and filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 
I will also request that all references to this alleged debt be immediately deleted from my credit reports with XXXX XXXX XXXX XXXX 

This is a good faith effort to resolve this matter. Please direct all future correspondence regarding this account to my mailing address listed above. 

Sincerely XXXX 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