Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ma XXXX Credit Control , LLC Accounts:XXXX these validation was requested on XXXX XX/XX/XXXX and did not receive it Dear Credit Control, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility to any valid debts, I am unable to do so in this case without proper validation and proof of claim, as per the fair debt practices act [ FDCPA ]. I am formally requesting comprehensive validation of the alleged debt. I seek evidence establishing that I am the party obligated to this debt and that there exists a legally binding contractual obligation compelling me to do so for clarity. I request that all communication be limited to writing correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request please furnish the following required documentation : 1. Complete payment history, as per the precedent set by XXXXXXXX XXXX XXXXXXXX ind. app. XXXX XXXXXXXX. Provide detailed verification by line item, including information on purchase date, itemized amounts, receipt of goods, and any relevant details directly from the original creditor.

2. Date of last activity 3. Full accurate social security number that may help to identify me as the correct person you are trying to collect from 4. An agreement that bears the signature of the alleged debtor, indicating commitment to pay the original creditor. The obligation between your company ( XXXX  ) and me that authorizes the collection of alleged debt, along with any transaction binding me to an agreement to pay your company. collection 5. Proof of photo identification ( i.e. driver license, state identification card, or other government issue identification card ) presented at the time of incurring the debt, 6.

Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) information relating to the purchase of a bad debt is not proprietary or burdensome. 

7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1 where the debt originated from ) ( 2 the sum paid by the bad debt buyer for the plaintiffs debt ( 3 how the total amount was determined ) ( 4 list of all documents that authorizes collection on alleged debt. ) I must emphasize that, under FDCPA SECTION 809 ( B ), you are not allowed to pursue collection activity until the debt is fully validated, court ruling XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX UNITED STATES XXXX XXXXXXXX XXXX XXXXXXXX, the court rule the reporting a collection account indeed is considered collection activity. While I prefer not to litigate, I will use the court as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 
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