Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: AZ

Complaint narrative:
XXXX attempted to then respond to this via XXXX XXXX XXXX XXXXXXXX as Credit Control on XX/XX/year> Date : XX/XX/year> To : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX Subject : Demand for Removal of Inaccurate Reporting and Disclosure Violations UCC 9-102 ( a ) ( 42 ), FCRA, GLBA, CCPA, GDPR Dear Credit Control LLC , I am formally demanding that you immediately cease and desist reporting any and all accounts associated with my name and/or personal information to the credit reporting agencies ( XXXX XXXX XXXX XXXX or any third parties, based on the following legal grounds : 1. UCC 9-102 ( a ) ( 42 ) General Intangibles and Personal Information Under UCC 9-102 ( a ) ( 42 ), personal information such as my name, Social Security number, and financial data qualifies as general intangibles. 
I have not granted permission, through a lawful and original agreement, for this intangible property to be securitized, sold, or reported to third-party agencies. Any unauthorized use of this intangible constitutes a commercial violation and misappropriation of my property interest. 

2. FCRA Violations Inaccurate and Misleading Credit Reporting You have failed to provide accurate, complete, and verifiable information regarding this alleged debt as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). Additionally, if the debt has been charged off and/or reported as a loss or profit by your organization, then : You no longer have a legal right to collect or report this debt. 
You have an obligation to file a 1099-C ( Cancellation of Debt ) with the IRS and provide me with a copy. 
Failing to do so while continuing to report the debt suggests double compensationonce from a tax write-off and again through continued derogatory credit reporting. 

3. GLBA and CCPA/GDPR Unauthorized Sharing and Use of Personal Data If my personal data has been transferred, sold, or disclosed to any third parties ( such as debt buyers or reporting agencies ) without my express written consent, this may constitute a violation of : The Gramm-Leach-Bliley Act ( GLBA ), which restricts how financial institutions may share nonpublic personal information.

The California Consumer Privacy Act ( CCPA ), which gives consumers the right to opt out of the sale of their data and to request deletion.

The General Data Protection Regulation ( GDPR ) ( if applicable ), which mandates lawful processing and storage of personal data with consent. 
You are required to disclose how my data has been shared, with whom, and for what purpose. If this data was sold or used for profit without my knowledge, it is a direct violation of these privacy laws. 

4. My Formal Demands : agencies.

Immediate deletion of any and all references to this account from all credit reporting A copy of the original contract bearing my wet ink signature authorizing this credit extension and reporting.

A copy of the 1099-C, if the debt has been charged off or canceled. 
Full documentation of who has received my personal data, under what authority, and whether it was sold or monetized. 
A statement confirming that you have ceased all collection, reporting, and sharing of my information in violation of the above laws. 

Please consider this letter a formal notice. If I do not receive a full response within 15 business days, I will escalate this matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The State Attorney Generals office The IRS, regarding improper 1099-C reporting And pursue civil legal action for any statutory violations. 
Thank you for your immediate attention to this matter. A lack of proper response will be interpreted as willful noncompliance.

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