Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Credit Control, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/XXXX Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Fl XXXX Re : Unauthorized Collection and Reporting of Macys Account Original Charge-Offs : XX/XX/XXXX & XX/XX/XXXX To Whom It XXXX Concern : This letter is a formal dispute of the alleged Macys credit card debts now being collected and/or reported by your agency, Credit Control , LLC XXXX These accounts were charged off on XX/XX/XXXX and XX/XX/XXXX, and were included in a bankruptcy filing that was dismissed prior to discharge. I did not authorize your company to access, collect, or report on these debts, and I assert my rights under federal and state law. 

XXXX Grounds for Dispute : XXXX. Violation of XXXX XXXX XXXX XXXX & XXXX Unauthorized XXXX & XXXX I have not granted you permission to access or verify any personal or financial information. Any credit reporting or communication done without my consent is a direct violation of my consumer rights under the FDCPA and FCRA. 

XXXX. Violation of XXXX XXXX XXXX XXXX ( b ) Duty of XXXX XXXX You are required by law to maintain procedures to ensure maximum possible accuracy of the information you furnish. Given that the accounts stem from a bankruptcy proceeding that was dismissed without discharge, and are now years old, your reporting of these accounts in their current status is incomplete and misleading. 

XXXX. Debt is Time-Barred Under Florida Law XXXX to Florida Statute XXXX ( XXXX ) ( b ), the statute of limitations for debt based on a written contract is 5 years. These Macys accounts were charged off in early XXXX, meaning they are approaching the time-barred threshold under Florida law XXXX especially considering no recent activity has occurred. Any attempt to re-age or collect this debt without clear documentation is deceptive and unlawful. 

XXXX. Failure to Validate and Prove Ownership Per XXXX XXXX Code XXXX, I formally request full validation of this alleged debt. You must provide : A copy of the original XXXX signed credit agreement, Documentation of the chain of title/assignment from the original creditor to Credit Control , LLC XXXX XXXX Forward Flow or Purchase Agreement demonstrating legal ownership. 

Failure to produce this documentation will confirm that you are illegally reporting and attempting to collect a debt you do not legally own or control. 

XXXX. Precedent : Green v. Portfolio XXXX Associates In XXXX XXXX XXXX, the court recognized that furnishing data or collecting debts without substantive documentation violates federal law. I reserve the right to cite this case in any future complaint or legal filing. 

XXXX XXXX XXXX As a single parent, this unresolved matter is placing a significant and ongoing financial and emotional burden on my household. I am working to rebuild after economic hardship, and unlawful credit reporting only worsens my ability to secure housing, employment, and basic stability for my child. 
Cease & Desist Demand Pursuant to 15 U.S. Code 1692c ( c ), I revoke any consent for you to contact me further. All communication must cease immediately unless you are providing the full and proper validation as required by law. 

What You Must Do : Immediately cease collection and communication, Delete the account from all credit bureaus, or Provide complete legal validation within 30 days. 

If you fail to comply, I will escalate this matter by filing formal complaints with the CFPB, FTC, Florida Attorney General, and will consider civil action for violations of the FDCPA and FCRA. 

Sincerely, XXXX 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