Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: AZ

Complaint narrative:
I am submitting this complaint against Credit Control , LLC for violations of 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. 

Credit Control , LLC has contacted me regarding a XXXX XXXX account and is attempting to collect an alleged balance of {$310.00}, under Reference Number XXXX. This same underlying account has previously been claimed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, both of whom asserted an alleged balance of {$150.00} for the same account. 

XXXX XXXX has not provided any explanation or documentation to justify why the balance has more than doubled, nor has it demonstrated lawful ownership or authority to collect this debt. 

I formally disputed this account and demanded debt validation pursuant to 15 U.S.C. 1692g ( b ), requesting : The assignment contract or full chain of assignment A bill of sale from the original creditor identifying my account Account-level documentation, including the original service agreement and itemized billing Proof of licensing and bonding to collect debts in my state A complete itemized accounting explaining how the {$310.00} balance was calculated A written reconciliation explaining the discrepancy between the {$150.00} previously claimed and the {$310.00} now being asserted Credit Control , LLC has failed to provide competent evidence validating the debt or explaining the inflated balance. Attempting to collect an inaccurately stated or unverifiable amount constitutes false, deceptive, or misleading representations under 15 U.S.C. 1692e, and unfair or unconscionable collection practices under 15 U.S.C. 1692f.

Courts have held that debt collectors must substantiate both ownership and amount of a debt ( XXXX v. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Additionally, furnishing or attempting to furnish inaccurate information to consumer reporting agencies without a reasonable investigation violates 15 U.S.C. 1681s-2 ( a ) of the FCRA. Furnishers must verify disputed information before reporting ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

The presence of XXXX different collection agencies asserting conflicting balances for the same account demonstrates a failure to maintain accurate records and creates a substantial risk of consumer harm. 

Laws and Regulations Violated FDCPA 15 U.S.C. 1692g ( b ) Failure to validate disputed debt 15 U.S.C. 1692e False or misleading representations ( inflated balance ) 15 U.S.C. 1692f Unfair or unconscionable collection practices 15 U.S.C. 1692k Civil liability FCRA 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate or unverifiable information Relevant Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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