Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NC

Complaint narrative:
I am submitting this complaint against Credit Control LLC regarding their attempt to collect an alleged debt in excess of {$30000.00} associated with a XXXX XXXX XXXX XXXX XXXX account, for which they claim I am personally liable as a guarantor. On or about XX/XX/year>, I received a collection communication from Credit Control LLC referencing this alleged obligation. I promptly submitted a formal written dispute and demand for validation via certified mail, return receipt requested, disputing the debt in its entirety and demanding the following : ( XXXX ) a copy of the executed personal guaranty bearing my signature ; ( XXXX ) the original XXXX XXXX XXXX XXXX credit agreement and full account statements from inception through charge-off ; ( XXXX ) an itemized breakdown of the balance alleged, including any post-charge-off fees or interest ; ( XXXX ) documentation establishing Credit Control LLC XXXX authorization to collect on behalf of XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) proof of default and any required pre-enforcement notices under the guaranty ; and ( XXXX ) verification of how this account is being reported to consumer reporting agencies, including whether it is accurately characterized as a business obligation with guarantor liability. To date, Credit Control LLC has not provided any of the requested validation documentation. Despite this, the alleged debt remains active in their system and I have not received confirmation that collection activity has ceased as required by law. This conduct implicates the following violations and concerns : XXXX, under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt in writing within XXXX days of receiving a collection notice, the collector must cease all collection activity until it provides adequate validation. Credit Control LLC has not validated this debt and has not confirmed cessation of collection efforts. Second, the alleged obligation involves a purported personal guaranty on a business credit account. I have requested the actual executed guaranty document bearing my signature. Without producing this document, Credit Control LLC has no demonstrated basis to assert that I am personally liable for this business debt. Asserting personal liability without being able to substantiate it through the underlying guaranty instrument may constitute a false or misleading representation in violation of 15 U.S.C. 1692e. Third, if this account is currently being reported to any consumer reporting agency on my personal credit file, that reporting must be accurate, complete, and not misleading. Reporting a business obligation as a personal consumer debt, or reporting an amount that includes improperly calculated post-charge-off charges, would constitute a violation of the Fair Credit Reporting Act and the FDCPA 's prohibition on unfair or deceptive practices. Fourth, as a collector acting on behalf of XXXX XXXX XXXX, Credit Control LLC is obligated to accurately represent the character, amount, and legal status of this debt. Given that no validation has been provided and the basis for personal liability has not been established, continued collection activity without that foundation raises serious concerns about misrepresentation under 15 U.S.C. 1692e ( 2 ) and 1692e ( 10 ). I subsequently submitted a supplemental and amended validation demand, also via certified mail, expanding on the original demands and placing Credit Control LLC on formal notice to preserve all records and documents related to this account in anticipation of potential litigation. Both letters are attached to this complaint.

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