Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: NJ

Complaint narrative:
Credit Control , LLC has violated the Fair Debt Collection Practices Act by : XXXX. Attempting XXXX collect a debt that has NEVER been validated by any collector in its entire collection history XXXX. Accepting assignment of and collecting on a debt that XXXX XXXX XXXX had already marked as disputed on XXXX since XX/XX/XXXX XXXX months before XXXX XXXX 's XXXX contact XXXX. Sending XXXX separate collection notices ( XX/XX/XXXX XXXX XX/XX/XXXX ) on the same unvalidated, disputed account XXXX. Acting as the latest in a series of XXXX rotating through an unvalidated, disputed debt owned by XXXX XXXX XXXX a systematic pattern already documented in CFPB Complaint # XXXX XXXX. Collecting on behalf of XXXX XXXX XXXX while XXXX actively reports this unvalidated, disputed debt XXXX XXXX XXXX XXXX without proper dispute notation XXXX. Collecting on behalf of XXXX XXXX XXXX, a known repeat FDCPA offender currently under active CFPB XXXX DETAILED COMPLAINT : BACKGROUND : XXXX XXXX XXXX claims XXXX own an alleged XXXX XXXX Bank, XXXX. debt of {$1600.00} on an account ending in XXXX. XXXX opened a collection account on XXXX on XX/XX/XXXX. This debt was marked as disputed on XXXX in XX/XX/XXXX following a consumer dispute reinvestigation. Despite knowing the debt was disputed, XXXX assigned it XXXX Credit Control , LLC for collection in XX/XX/XXXX XXXX months after the dispute notation was placed. CREDIT REPORT EVIDENCE : I have reviewed my XXXX credit report and confirmed the following regarding this account : XXXX XXXX XXXX opened a collection account on XXXX on XX/XX/XXXX The balance of {$1600.00} has been reported every month since XX/XX/XXXX Experian shows the account marked as disputed since XX/XX/XXXX following a reinvestigation Despite the dispute notation, XXXX assigned this debt XXXX Credit Control , LLC in XX/XX/XXXX The account is scheduled XXXX remain on my credit report until XX/XX/XXXX XXXX is reporting this debt on both XXXX and XXXX XXXX COLLECTION NOTICES SENT ON SAME ACCOUNT : Credit Control , LLC sent XXXX separate collection notices on this same account : XXXX Notice : XX/XX/XXXX dispute deadline XX/XX/XXXX Second Notice : XX/XX/XXXX dispute deadline XX/XX/XXXX Both notices bear the same Reference # : XXXX I am asserting my full validation rights from the most recent notice dated XX/XX/XXXX, which gives a dispute deadline of XX/XX/XXXX. My formal written validation demand was sent via certified mail on XX/XX/XXXX, well within this window. THIS DEBT HAS NEVER BEEN VALIDATED : Despite being passed through multiple collection agencies, this alleged debt of {$1600.00} has NEVER been properly validated. The complete known history of XXXX on this account includes : XXXX attempted collection, never provided validation XXXX XXXX attempted collection, never provided XXXX Credit Control , LLC current collector, has not provided validation Not XXXX of these XXXX, nor XXXX XXXX XXXX itself, has ever provided : Original signed contract bearing my signature Complete chain of assignment from XXXX XXXX Bank, XXXX. XXXX XXXX XXXX XXXX Purchase agreement or bill of sale proving XXXX ownership Itemized accounting of the {$1600.00} claimed Proof of authorization XXXX collect in the State of New Jersey XXXX KNOWINGLY ASSIGNED A DISPUTED DEBT TO CREDIT CONTROL : This is perhaps the most egregious aspect of this complaint. Experian confirmed that this debt was marked as disputed in XX/XX/XXXX following a consumer reinvestigation. XXXX XXXX XXXX therefore knew as a matter of documented record that this debt was disputed when they assigned it XXXX Credit Control , LLC in XXXX XXXX Credit Control , LLC XXXX this assignment and began collection activity on a debt that was already known XXXX be disputed and unvalidated. This is a willful violation of the FDCPA. XXXX XXXX XXXX IS REPORTING THIS DEBT ON XXXX AND XXXX : I have confirmed by reviewing my credit reports that XXXX XXXX XXXX is currently reporting this unvalidated, disputed debt on both XXXX XXXX XXXX. Credit Control , LLC is now attempting XXXX collect this same debt on behalf of XXXX while XXXX continues this damaging XXXX unlawful credit reporting. Reporting a disputed, unvalidated debt XXXX consumer reporting agencies without proper dispute notation is a direct violation of XXXX XXXX. XXXX ( XXXX ), constituting an active, ongoing FDCPA violation causing real XXXX continuing damage XXXX my credit profile. CONNECTION TO EXISTING CFPB COMPLAINT # XXXX : This complaint is directly connected XXXX CFPB Complaint # XXXX filed XX/XX/XXXX against XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That complaint specifically documented XXXX systematic business practice of rotating unvalidated debts through multiple collection agencies as a pressure tactic. XXXX XXXX, LLCs contact on this account is direct, real-time evidence of exactly this pattern. XXXX has now used at least XXXX different collection agencies on this single unvalidated, disputed account. SPECIFIC FDCPA VIOLATIONS : XXXX. XXXX XXXX. XXXX ( b ) XXXX Without XXXX Credit Control , LLC is attempting XXXX collect a debt that has never been properly validated by any collector in its history. Accepting assignment of and collecting on an unvalidated, disputed debt violates XXXX XXXX. XXXX ( b ). XXXX. XXXX XXXX. XXXX ( XXXX ) False Credit Reporting ( XXXX XXXX XXXX ) XXXX XXXX XXXX is actively reporting this disputed, unvalidated debt to XXXX and XXXX without proper dispute notation while simultaneously having Credit Control , LLC collect on the same debt. Credit Control , LLC is benefiting from and participating in this false credit reporting scheme by collecting on behalf of XXXX. XXXX. XXXX XXXX. XXXX ( XXXX ) XXXX XXXX Credit Control , LLC falsely represents it has the right XXXX collect this debt on behalf of XXXX XXXX XXXX when XXXX has never established legal ownership or standing XXXX collect through proper validation. XXXX. XXXX XXXX. XXXX Unfair Practices Accepting assignment of and attempting XXXX collect an unvalidated, disputed debt that has been rotated through multiple XXXX XXXX was already marked disputed on XXXX for XXXX months before XXXX XXXX first contact is unconscionable and unfair. XXXX. XXXX XXXX. XXXX XXXX Notice XXXX Credit Control , LLC sent XXXX separate collection notices on the same account with different dispute deadlines ( XX/XX/XXXX XXXX XX/XX/XXXX ), creating confusion about the consumers validation rights and deadlines. HARM CAUSED : XXXX Credit Damage : XXXX XXXX XXXX XXXX actively reporting this unvalidated, disputed debt on XXXX and XXXX XXXX dispute notation, causing real and ongoing damage XXXX my credit profile while Credit Control , LLC XXXX attempts XXXX collect on the same debt. XXXX. Continued Harassment : Despite this debt never being validated and being marked as disputed on Experian since XX/XX/XXXX, I continue to receive collection contacts from rotating agencies on behalf of XXXX XXXX XXXX, including XXXX separate notices from Credit Control , LLC. XXXX. Time XXXX Expenses : I have spent significant time XXXX resources researching my rights, drafting validation demand letters, sending certified mail, reviewing credit reports, XXXX filing multiple CFPB complaints due XXXX LVNVs systematic pattern of rotating unvalidated debts through multiple XXXX. XXXX. Violation of XXXX Rights : XXXX XXXX, LLCs collection activity on a known disputed, unvalidated debt represents a serious and willful violation of my federal consumer protection rights. RELIEF REQUESTED : XXXX. Investigation of XXXX XXXX, LLCs debt collection practices, particularly its practice of accepting assignment of XXXX collecting on known disputed, unvalidated debts XXXX. XXXX Credit Control , LLC to : Immediately cease all collection activity on this account Provide proper validation or close the account Refrain from selling, transferring, or assigning this debt XXXX any other collection agency XXXX. Order XXXX XXXX XXXX XXXX : Immediately remove all credit reporting on XXXX and XXXX related XXXX this account Mark this debt as disputed on all consumer reporting agencies immediately XXXX. Coordinate this investigation with CFPB Complaint # XXXX against XXXX XXXX XXXX XXXX XXXX the full pattern of systematic FDCPA violations XXXX. Civil penalties against Credit Control , LLC and XXXX XXXX XXXX for FDCPA violations XXXX. Compensation for actual damages including credit damage caused by false reporting on XXXX XXXX XXXX XXXX. Enforcement action recognizing this as part of XXXX Funding LLCs systematic pattern of rotating unvalidated, disputed debts through multiple collection agencies ADDITIONAL INFORMATION : I have preserved complete documentation including both Credit Control , LLC notices ( XX/XX/XXXX and XX/XX/XXXX ), my formal validation demand letter sent via certified mail XX/XX/XXXX, XXXX copies of my XXXX XXXX XXXX credit reports confirming XXXX reporting XXXX the XX/XX/XXXX dispute notation I am willing XXXX provide any additional information or documentation requested I am willing to participate in any investigation or enforcement action I have also contacted the New Jersey Attorney Generals office regarding XXXX systematic FDCPA violations CONCLUSION : Credit Control , LLC has violated the Fair Debt Collection Practices Act by attempting XXXX collect an unvalidated, disputed debt on behalf of XXXX XXXX XXXX a known repeat FDCPA offender currently under active CFPB investigation. Specifically, Credit Control , LLC has : Attempted XXXX collect a debt that has never been validated by any collector in its entire history Accepted assignment of a debt already marked as disputed on XXXX for XXXX months before their XXXX contact Sent XXXX separate collection notices with conflicting dispute deadlines on the same account Participated in XXXX XXXX XXXX systematic pattern of rotating unvalidated, disputed debts through multiple XXXX while XXXX actively reports the debt to XXXX XXXX XXXX without dispute notation This complaint, combined with CFPB Complaint # XXXX against XXXX XXXX XXXX XXXX XXXX a clear, systematic, XXXX ongoing pattern of FDCPA violations designed XXXX collect unvalidated debts through collector rotation XXXX credit reporting pressure. I request the CFPB take immediate action XXXX : XXXX XXXX XXXX, LLCs practices Coordinate with the existing XXXX XXXX XXXX investigation Order XXXX XXXX XXXX XXXX immediately remove this tradeline from XXXX XXXX XXXX Enforce the FDCPA and protect consumers from this systematic scheme Hold both Credit Control , LLC XXXX XXXX XXXX XXXX accountable

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