Consumer complaint received 2025-08-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: CA

Complaint narrative:
Subject : CFPB Complaint Unlawful Debt Collection, Credit Reporting Harm, and Emotional Distress Caused by XXXX and Credit Control LLC To : Consumer Financial Protection Bureau ( CFPB ) Re : XXXX XXXX Improper Collection, Credit Reporting Damage, XXXX XXXX  Dear CFPB, I am filing a formal complaint regarding XXXX XXXX and Credit Control LLC for unlawful and reckless conduct that severely harmed me including false debt collection, damaged credit history, and worsened XXXX symptoms XXXX XXXX XXXX XXXX 

Background Summary XXXX XXXX account ( opened before XX/XX/XXXX ) had a credit balance of {$630.00} as of XX/XX/XXXX. 
In XX/XX/XXXX, a new XXXX account was opened in my wifes name, with no connection to the original account. 
XXXX wrongfully applied a {$1200.00} debit balance to my original account in XX/XX/XXXX, claiming it was a correction of a prior error. This was entirely incorrect. 
Despite having my funds since XX/XX/XXXX, XXXX reversed the credit, fabricated a balance due, and referred me to collections.

Credit Harm & Harassment Credit Control LLC, acting on XXXX  behalf, issued harassing and intimidating collection messages, falsely stating I owed money. 
This entry appeared on my credit report as a derogatory item, leading to serious damage to my credit score and reputation. 
I was repeatedly called and contacted for a debt that never existed, even though XXXX had held my credit balance for three years.

This abuse exacerbated my XXXX symptoms I am a documented crime victim, and the harassment and reputational harm caused emotional trauma and stress. 

Current Status But Irreversible Harm Done XXXX has now removed the collection entry, but only after multiple complaints and prolonged efforts. 
While this removal acknowledges the error, the damage has already been done : My credit score dropped I experienced emotional and psychological distress I lost valuable time and energy fighting a false accusation Only after complaining to FCC, XXXX refunded XXXX in XX/XX/XXXX but refused to provide any compensation or written acknowledgment of fault, and issued a cold, dismissive final response ( attached ). 

Attachment I have attached XXXX recent email dated XX/XX/XXXX, where they confirm they will not offer any compensation or take further action. This highlights their lack of accountability even after conceding the error.

Request for Action I respectfully request the following from the CFPB : 1. Investigation into XXXX and Credit Control LLC for reckless debt collection, FCRA violations, and emotional distress caused to consumers. 
2. Require XXXX to issue a formal written acknowledgment of error. 
XXXX. Recommend appropriate compensation for the credit damage and XXXX impact. 
4. Review of XXXX  internal billing and collection practices, which suggest a pattern of wrongful debits and consumer abuse. 

Thank you for your attention to this matter. I remain available to provide evidence of all events, including credit reports, correspondence, and timeline of harm. 

Sincerely, 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