Consumer complaint received 2025-05-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: NE

Complaint narrative:
This started in XXXX of XXXX  when I asked the company with a request letter similar to the one below. They claimed I owed them over {$20000.00}. They never provided me with anything other than Credit Card Statements. We went back and forth for about 10 months, and I called them, and they told me they have no record of me, my SSN, or address being in their system, and yet they still send me credit card statements back.

I am submitting a formal complaint regarding Credit Control LLC a debt collection agency that has taken action against me without lawful authority, in what I believe to be a case of identity theft and multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g.

Credit Control LLC has falsely claimed that I owe a debt for which I have no contractual agreement, no knowledge, and have received no consideration. I have never entered into any agreement with the collector, and I have reason to believe that my personal information is being used fraudulently in connection with this alleged debt.

Despite numerous written requests, Credit Control LLC has failed to provide the legally required documentation to validate this debt. Instead, the only response I have received is a packet of credit card statements, which does not constitute proper validation under the FDCPA. These statements do not prove any legal obligation between myself and the collector, nor do they show any agreement bearing my signature or any authority the collector has to collect on behalf of the original creditor.

In accordance with my rights under federal law, I formally requested the following information be provided clearly and in full, and sworn under the pains and penalties of perjury, notarized, and returned to me : Debt Verification Request Form : Name and address of the alleged creditor Name on file of the alleged debtor Alleged account number Address on file for the alleged debtor Amount of the alleged debt Date the alleged debt became payable Date of the original charge-off or delinquency Whether the debt was assigned or purchased Amount paid if the debt was purchased Commission or compensation to be received by the debt collector if collection is successful Additionally, I requested copies of the following documents : A written agreement between the original creditor and Control LLC that authorizes them to collect on this alleged debt.

A signed agreement between myself ( the alleged debtor ) and the debt collector, or verifiable proof of a contractual obligation.

Any agreement bearing my signature where I agreed to repay the original creditor.

All account statements from the time the account was allegedly active.

Disclosure of whether any insurance claims have been made by the creditor regarding this account.

Disclosure of whether any judgments have been obtained by any creditor regarding this account.

The name and address of the bonding agent for the debt collector in case legal actions become necessary.

Despite multiple communications, the debt collector has failed to comply with these reasonable and lawful requests, continuing their collection attempts without proper validation. This is a direct violation of 15 U.S.C. 1692g, which clearly states that a debt collector must cease collection activity until they have properly validated the debt.

This conduct amounts to : Harassment and unlawful pressure, A denial of my legal rights, And potential identity theft, as my personal information is being used without consent or legal foundation.

I respectfully urge your office to investigate this matter promptly, ensure that the agency is held accountable, and help ensure that no adverse reporting appears on my credit profile. If reporting has already occurred, I request immediate removal of all entries relating to this unvalidated debt.

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