Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am submitting this response to the statement provided by Credit Control in connection with my original complaint. Credit Control asserts that it can not respond due to a lack of personally identifiable information ( XXXX ), specifically citing the absence of my date of birth and full address. This position is legally untenable and directly contradicts their ongoing collection activity. Credit Control has already initiated collection efforts against me and has sent correspondence regarding this alleged debt. In my original complaint, I provided copies of the exact documents Credit Control sent to medocuments which clearly demonstrate that the company has already associated me with the account for the purpose of collection. If Credit Control genuinely lacks sufficient identifying information to verify my identity, then its collection activity itself is called into question. A debt collector can not lawfully attempt to collect a debt from a consumer without first having a reasonable basis to believe the consumer is the correct party obligated on the account. Their statement suggests either : They do not possess adequate records to substantiate that I am the responsible party, or They are attempting to use this complaint process to obtain additional personal information to cure deficiencies in their records Both scenarios raise serious compliance concerns under the Fair Debt Collection Practices Act, including but not limited to : 15 U.S.C. 1692e ( false, deceptive, or misleading representations ), particularly as it relates to misrepresenting the character or legal status of a debt 15 U.S.C. 1692f ( unfair or unconscionable means to collect a debt ) 15 U.S.C. 1692g ( failure to provide proper validation of the debt ) Furthermore, I previously requested validation of this alleged debt. Credit Control failed to comply with that request and instead provided only invoices and billing statements. Such documents do not constitute competent evidence of a legally enforceable obligation, nor do they satisfy the validation requirements contemplated under federal law. Their current refusal to substantively respond to this complaintwhile continuing to rely on the same unverified information for collection purposesdemonstrates a pattern of evasive conduct and a failure to meet their legal obligations. Notably, the claim that they can not respond due to insufficient XXXX is particularly concerning. A debt collector can not simultaneously claim : An inability to identify the consumer for purposes of responding to a regulatory complaint, and Sufficient certainty to pursue collection activity against that same consumer This contradiction undermines the credibility of their position and suggests noncompliance with federal consumer protection laws. Accordingly, I request the following : That Credit Control be required to provide full and proper validation of the alleged debt, including documentation sufficient to establish that I am the legally obligated party That, in the absence of such validation, the account be immediately deleted and all collection activity cease That this matter be reviewed for potential violations of the Fair Debt Collection Practices Act and any other applicable federal or state laws I also request that Credit Control be instructed not to use this complaint process as a means of soliciting additional personal identifying information where they have already initiated collection activity without adequate verification. I have attached ALL the documentation that was sent to me from Credit Control, they can use this information to for verification if not then they need to explain how are they trying to collect on a debt based off the current information in their system. I literally just called today XX/XX/XXXX, Credit Control at XXXX gave them the account number # XXXX and they were able to pull up the account in question and tried to collect on the account in the amount of {$840.00} so that means the previous statement regarding additional XXXX date was a lie. Credit Control claims they can't provide any information without me XXXX identifying myself I find hard to believe, since they are trying to collect on a debt and has claimed this debt to be mine, they request my date of birth, it is XX/XX/XXXX. This is another tactic they use to stall and gather information they do not have.

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