Consumer complaint received 2026-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: SC

Complaint narrative:
In reviewing my XXXX  credit report, I discovered that Credit Control , LLC is reporting a XXXX XXXX collection account with an alleged balance of approximately {$1000.00}, listed as a collection account under account number ending in XXXX. This reporting does not include key information such as the original XXXX account number, complete billing history, final bill, service dates, itemization of the balance, or proof that Credit Control , LLC has authority to collect this alleged debt and furnish it to XXXX 

On XX/XX/2026, I mailed Credit Control , LLC a written Final Direct Dispute, Demand for Validation, and Notice to Preserve Records to their address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MO XXXX. In that letter, I disputed the account in its entirety, including whether the account belongs to me, whether I owe the {$1000.00} balance, whether the amount was properly calculated, whether a final bill was issued, whether any equipment charges and returns were correctly handled, whether the date of first delinquency is accurate, and whether the account is being completely and accurately reported to XXXX 

In my dispute letter, I specifically requested competent documentary evidence to validate the debt and justify the reporting. This included the original XXXX XXXX account number, original contract or service agreement, complete billing history, final bill, full itemization of the {$1000.00} balance, all service dates, any equipment charges and return records, all credits and payments, the date of first delinquency, the date the account was placed for collection, the chain of assignment or placement, proof that Credit Control , LLC has authority to collect this debt, proof that they have authority to furnish the account to XXXX any validation notices previously sent to me with proof of mailing, and a copy of the complete XXXX XXXX or accountlevel information they furnished to XXXX 

Despite sending this detailed written dispute and validation demand and allowing a reasonable amount of time for a response, Credit Control , LLC has not provided any of the requested documentation, has not sent any written response to my dispute, and has not corrected or deleted the account. The XXXX XXXX collection remains on my XXXX credit report, and to my knowledge it has not been properly validated, corrected, or removed. Credit Control, LLCs failure to provide validation or respond to my direct dispute while continuing to allow the collection to be reported is preventing me from determining whether this debt is actually mine, whether the amount is accurate, and whether the reporting is lawful and complete. 

This unverified collection account is harming me by damaging my credit profile and potentially affecting my ability to obtain credit on fair terms. I am requesting that Credit Control , LLC be required to either provide full and competent validation of this alleged XXXX XXXX debt, with all of the documents listed in my XX/XX/2026 letter, or request that the account be deleted from XXXX and any other consumer reporting agencies where they furnished it, and confirm in writing that it will not be reinserted, resold, transferred, or rereported without complete verification. 

Because I do not recognize this XXXX XXXX  collection account and Credit Control , LLC has failed to provide any of the requested validation documents, I am concerned that this account may be the result of identity theft or another form of fraud in my name. Their continued reporting of an unverified account, with no supporting documentation, increases my risk of ongoing identity theft or misuse of my personal information.

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