Consumer complaint received 2024-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Re : Complaint Regarding XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC Your Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Subject of Complaint : Disputed Debt Collection Practices Violation of Fair Debt Collection Practices Act ( FDCPA ) Violation of Fair Credit Reporting Act ( FCRA ) Details of the Complaint : I am writing to formally file a complaint against XXXX XXXX XXXX, XXXX XXXX XXXX, and Credit Control , LLC regarding their handling of a debt that I dispute. 

On XX/XX/year>, I received a letter from XXXX XXXX XXXX, indicating that after investigating my fraud claim, the account referenced in their communication would be closed and not sold, and they assured me that the tradeline would be deleted from the credit bureaus. 

However, I received a debt collection notice dated XX/XX/year>, from Credit Control , LLC, indicating that the account has been sold to them for collection. This is a direct contradiction to the information I received from XXXX XXXX XXXX. 

Despite my attempts to seek clarification and resolution, these companies have failed to provide adequate responses or validate the debt in question. Their actions have caused significant harm to my creditworthiness and have left me feeling misled and frustrated. 

The specific issues I am experiencing include : 1. Inconsistent Information : The contradictory statements regarding the status of the account from XXXX XXXX XXXX and the collection notice from Credit Control , LLC. 
2. Lack of Debt Validation : Credit Control , LLC has not provided verification of the debt as required by the FDCPA. 
3. Credit Reporting Issues : Negative information related to this account remains on my credit report, despite assurances of deletion from XXXX XXXX XXXX XXXX 
4. Potential Violations : I believe these companies are violating my rights under the FDCPA and FCRA by continuing to pursue collection efforts and reporting inaccuracies on my credit report. 

Resolution Sought : I request that the CFPB investigate these practices and help facilitate a resolution. I seek the following : Immediate cessation of collection efforts by Credit Control , LLC regarding this account. 
Verification of the debt from XXXX XXXX XXXX and Credit Control , LLC, including documentation of the chain of ownership. 
Correction or removal of any negative information related to this account from my credit report. 

I have attached copies of relevant correspondence with XXXX XXXX XXXX and Credit Control , LLC, along with my previous dispute letters for your review. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.

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