Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I am submitting this feedback because the companys response did not resolve my complaint and failed to address the substance of the dispute. The response states that the complaint does not identify the account in question and requests additional documentation. While I acknowledge this request, the companys position overlooks the fact that the disputed XXXX XXXXXXXX XXXX account is actively reporting on my credit report, which is the basis of my complaint. The account is identifiable, ongoing, and continues to cause harm. 

I am formally stating that previous CFPB case number XXXX was closed, and because the issue remains unresolved, I am creating a NEW CFPB case. This new filing will include attached proof showing the XXXX XXXX account as it appears on my credit report, clearly identifying the account in question and eliminating any ambiguity. The closure of the prior case does not mean the matter was resolved ; it only reflects that the case was administratively closed without correcting the underlying issue. 

Failure to Resolve the XXXX XXXX Account Issue The companys response does not deny that the XXXX XXXX account is being reported ; instead, it states that the account was not identified. This response is procedural rather than substantive and does not address whether the account is accurate, valid, or mine. The XXXX XXXX account is clearly visible on my credit report as a derogatory collection item, and I will provide documentation confirming this in the new case. 

The core issue remains unchanged : I do not own the XXXX XXXX account, I did not authorize it, and I have not received proper validation. The companys request for additional identification confirms that the dispute has not been fully reviewed and remains unresolved. 

Identity Theft and FTC Report Because the XXXX XXXX account does not belong to me and appears to be the result of unauthorized use of my personal information, I have filed an FTC Identity Theft Report. This report formally documents that identity theft or fraud may have occurred and triggers specific consumer protections under federal law. 

Despite this, the account has continued to be reported, and the company has not provided original documentation proving that I am responsible for the debt. Filing an FTC Identity Theft Report is a serious action taken in good faith after reviewing my credit reports and disputing accounts that I do not recognize. It is not a casual claim, and it should have prompted a heightened level of review rather than a procedural dismissal. 

XXXX  Account Clarification In addition to the XXXX XXXX account , I want to clearly state that I do not own any XXXX account that has been referenced or associated with collection activity. I did not open, authorize, or agree to any XXXX  service or debt, and I did not receive or benefit from any such account. Any XXXX-related collection or reporting tied to my credit file is inaccurate and does not belong to me. 

I am explicitly notifying the company and the CFPB that any XXXX account attributed to me is also disputed and is believed to be the result of identity theft or misattribution. This clarification is included so there is no misunderstanding regarding my position. 

Reason for Creating a New CFPB Case I am creating a new CFPB case because : Previous case XXXX was closed without resolving the issue. 

The companys response focused on identification rather than investigation. 

The XXXX XXXX account continues to appear on my credit report. 

I do not own the XXXX XXXX account or any XXXX  account. 

I have filed an FTC Identity Theft Report. 

I am now providing additional documentation to clearly identify the account. 

This new case is not a duplicate. It is a continuation and escalation of an unresolved dispute, supported by additional evidence that directly addresses the companys stated concern. 

Procedural vs. Substantive Response The companys response does not address whether : The XXXX XXXX account belongs to me The debt has been validated Original documentation exists Identity theft indicators were reviewed The FTC Identity Theft Report was considered Instead, the response places the burden back on me without acknowledging that the account is already reporting and causing harm. A fair and complete response would involve reviewing the account once identified and determining whether it is accurate or fraudulent. 

Ongoing Harm As long as the XXXX XXXX account and any XXXX XXXX account remain unresolved, I continue to experience : Damage to my credit profile Negative scoring impacts Stress and XXXX  related to unresolved identity theft Time and effort spent correcting inaccurate reporting Financial harm due to restricted credit opportunities These harms are ongoing and justify continued CFPB involvement XXXX 

Next Steps I am proceeding as follows : Creating a new CFPB case because the prior case was closed Attaching credit report documentation showing the XXXX XXXX account Clearly identifying the disputed account Reiterating that I do not own the XXXX XXXX XXXX XXXX XXXX Providing confirmation of my FTC Identity Theft Report I am submitting this feedback to ensure that the record reflects my intent, my actions, and the unresolved nature of this dispute. 

Conclusion The companys response does not resolve my complaint and does not address the accuracy or ownership of the disputed accounts. I am creating a new CFPB case because previous case XXXX was closed, and the issue remains unresolved. I will attach proof showing that the XXXX XXXX account is reporting on my credit report, and I reiterate that I do not own this account or any XXXX  account. I have filed an FTC Identity Theft Report, and I am seeking a proper investigation and resolution. 

I respectfully request that this feedback be considered as part of the CFPBs oversight and that the new case be reviewed with the attached documentation so the matter can finally be resolved.

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