Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Control, LLC
State: OK

Complaint narrative:
NOTICE OF IDENTITY THEFT DISPUTE & CESSATION DEMAND FORMAL FRAUD DISPUTE UNDER FDCPA 1692g AND FCRA 1681i VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED To : Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX Electronic Dispute Copy Sent To : XXXX From : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, OK XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX RE : Formal Identity Theft Dispute and Absolute Cease and Desist for Alleged Account No. Ending in XXXX ( Reference # : XXXX ) 1. FORMAL DISPUTE AND IDENTITY THEFT NOTICE I am in receipt of your collection notice dated XX/XX/XXXX, regarding an alleged XXXX XXXX from XXXX XXXX XXXX account ending in XXXX, claiming a balance due of {$550.00}. This letter serves as my formal notice to your agency that this account is completely fraudulent and is the direct result of criminal identity theft. I did not open this account, I did not authorize it, and I have never received any goods, services, or extensions of credit from this line of account. Any contract or electronic application your client, XXXX XXXX XXXX, claims to hold in my name is a complete forgery. Collection Agency : Credit Control , LLC Current Creditor : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX ( XXXX XXXX ) Original Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference Number : XXXX Disputed Balance : {$550.00} 2. IRREFUTABLE STATEMENT OF PHYSICAL IMPOSSIBILITY Your notice demands payment or a response by XX/XX/XXXX. Take immediate note of the following unassailable, state-certified facts : I have been in the continuous, uninterrupted physical custody of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) since XX/XX/XXXX. I am securely confined at the XXXX XXXX XXXX XXXX and have been institutionalized by the state for nearly 20 consecutive years. As a long-term inmate within a secure state facility, it is a physical, legal, and operational impossibility for me to have applied for, received, or utilized a commercial XXXX XXXX credit card during the period this account was established. Your agency is actively participating in the extortion of a fraudulent balance generated by a criminal identity thief. 3. ENCLOSED GOVERNMENT-ISSUED EVIDENCE To ensure your compliance department handles this file with the necessary legal gravity, I have enclosed official, government-issued proof of my decades-long state confinement : A copy of my official XXXX XXXX XXXX XXXX Inmate ID Card . A copy of my XXXX XXXX Consolidated Record Card, verifying my continuous, unbroken timeline of state incarceration dating back to XXXX. Other major national debt buyers and collection institutions ( including XXXX XXXX XXXX ) have already reviewed this exact same state-certified documentation, immediately recognized the physical impossibility of the fraud, and permanently closed out thousands of dollars in identity theft files. I expect Credit Control , LLC to immediately hold its compliance standards to the same federal criteria. 4. STATUTORY MANDATES AND LEGAL REMEDIATION Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), once a consumer notifies a debt collector in writing that a debt is disputed, the debt collector must cease all collection of the debt until they obtain verification of the debt or a copy of a judgment. Furthermore, continuing to report or collect on a debt that you know, or should know, is entirely fraudulent violates both the FDCPA and the Fair Credit Reporting Act ( FCRA ). I demand that Credit Control , LLC immediately execute the following actions : Cease and Desist : Permanently halt all collection efforts, payment demands, telephone calls, and written correspondence regarding this fraudulent debt. Return File to Owner : Immediately return this file to your client, XXXX XXXX XXXX, and notify them that the account is an uncollectible product of identity theft. Prevent Credit Bureau Reporting : If your agency has reported, or intends to report, this collection account to XXXX, XXXX, or XXXX, you are ordered to immediately withdraw and delete the trade line. Written Confirmation : Mail a physical letter directly to me at the XXXX XXXX XXXX XXXX within thirty ( 30 ) days confirming that this collection file has been permanently closed and purged from your systems. Failure to comply with these requirements will result in your agency being named as a co-defendant in an upcoming federal consumer protection lawsuit for willful violations of the FDCPA and FCRA. Govern yourselves accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Correctional Center Enclosures : XXXX XXXX XXXX XXXX XXXX ID Card 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