Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: NJ

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) Subject : Urgent Formal Complaint Against Credit Control , LLC Fraudulent Debt Collection, Harassment, and Unauthorized Interference I am filing this urgent complaint against Credit Control , LLC, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, for * * attempting to collect a completely fabricated and unauthorized debt * * from my business, XXXX XXXX. 

On XX/XX/year>, I received correspondence from Credit Control demanding payment for a debt that does not exist. They provided * * no contract, no signed agreement, no authorization, and no proof of service * *. Their actions are * * fraudulent, deceptive, and constitute harassment * * under the * * Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) * *.

I am aware that * * scammers and unscrupulous debt collectors often purchase personal or business information from creditors or brokers * * and attempt to collect on false debts. I have reason to believe that Credit Control , LLC may be operating in this manner, which raises concerns of * * identity misuse and potential fraud * *.

Crucially, there is an * * ongoing legal dispute between XXXX XXXX and the creditors * *, being handled exclusively by our attorney. Credit Control , LLC has * * no legal standing or authorization * * to be involved in this matter. Their interference constitutes * * tortious interference with contractual and business relations * * and is a direct violation of federal law.

Their conduct includes, but is not limited to : * Attempting to collect a debt without validation, violating * * FDCPA 809 ( a ) * *.

* Interfering in a pre-existing legal dispute where they have no right to access information.

* Threatening collection action and credit reporting on a debt that does not exist, violating * * FDCPA 807, 808 * * and * * FCRA 623 * *.

* Engaging in potentially fraudulent practices by seeking payment for a fabricated debt.

* Harassment and misrepresentation that could cause reputational and financial harm to my business.

I request that the CFPB investigate Credit Control , LLC for * * illegal, deceptive, and potentially fraudulent practices * *, including : 1. Harassment and misrepresentation of debts that are not owed.

2. Unauthorized interference in legal disputes.

3. Potential identity misuse or acquisition of confidential business information for illegal purposes.

4. Violations of FDCPA, FCRA, and any other applicable federal and state laws.

Attached are copies of their correspondence and my formal cease-and-desist letter demanding that they * * immediately cease all contact, delete any records of this alleged debt, and refrain from reporting it to any credit reporting agency * *.

I request that the CFPB take * * immediate action * * to prevent further harassment or potential fraud, and keep me informed of the investigation outcomes and any enforcement measures. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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