Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AL

Complaint narrative:
This letter serves as a formal notice that I am disputing the validity, accuracy, and enforceability of the above-referenced alleged debt. This dispute is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I do not acknowledge this debt as valid and request full validation as required by law. 1. Dispute of Accuracy and Amount Under 15 U.S.C. 1692g and 15 U.S.C. 1681s-2, I dispute the accuracy of the alleged balance. You are required to provide a complete accounting of the debt, including : Original amount of the alleged debt Itemization of all fees, interest, and charges Date of default and charge-off Explanation of how the amount was calculated Failure to provide this information renders the debt inaccurate and unverifiable. XXXX. Request for Validation of XXXX XXXX to XXXX XXXX. XXXX ( b ), you must provide proper validation, including : The name and address of the original creditor A copy of the original signed contract or agreement bearing my signature Documentation proving you have legal authority to collect on this debt ( chain of assignment ) Proof that the debt has not been paid, discharged, or otherwise resolved Until such validation is provided, you must cease all collection activities. 3. Incomplete and Unverifiable Information Under 15 U.S.C. 1681e ( b ) and 1681i ( a ), any information reported to consumer reporting agencies must be complete and accurate. Any incomplete, inconsistent, or unverifiable information must be removed immediately. If you can not verify this debt with competent evidence, you are required to : Delete the account from all consumer reporting agencies Cease reporting any information related to this account 4. Violation of the Fair Credit Reporting Act ( FCRA ) If you have reported this account to any credit reporting agency without proper verification, you may be in violation of : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate information 15 U.S.C. 1681s-2 ( b ) Failure to investigate disputed information Continued reporting of unverified or inaccurate information constitutes willful noncompliance and may subject you to liability for damages. 5. Lack of Written Consent / Unauthorized Collection I do not recall providing written consent or entering into any legally binding agreement with your company. Under contract law principles and consumer protection statutes, you must provide : A contract bearing my signature Evidence of mutual assent and lawful consideration Absent such documentation, your claim lacks enforceability. 6. Cease and Desist Pending Validation Under 15 U.S.C. 1692c ( c ), you are hereby instructed to cease all communication and collection efforts until proper validation is provided. This includes : Phone calls Letters Credit reporting updates 7. Notice of Potential Legal Action Be advised that failure to comply with these federal laws may result in legal action for : Statutory damages under 15 U.S.C. 1692k ( FDCPA ) Actual and punitive damages under 15 U.S.C. 1681n and 1681o ( FCRA ) I am keeping detailed records of all correspondence and any continued violations. 8. Method of Response All responses must be made in writing and sent to the address listed above. No phone contact is permitted. Failure to respond within 30 days will be taken as your inability to validate this alleged debt, and I will pursue removal and further legal remedies.

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