Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: GA

Complaint narrative:
I am XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, GA, XXXX, and I am escalating my complaint against CREDIT CONTROL , LLC, originally filed under complaint number XXXX. The company 's response to my initial complaint was inadequate and evasive, failing to address the core issues of inaccurate credit reporting and non-compliance with federal statutes. In their response, CREDIT CONTROL , LLC stated : " We find that the account subject to this complaint was recalled from our office by the current creditor, XXXXXXXX Due to this recall, Credit Control no longer has access to account-level information for the account at issue. '' This statement is a clear attempt to deflect responsibility, as it does not absolve the company of its duty to ensure the accuracy of the information they furnished to the credit bureaus, as mandated by 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( FCRA ). The response from CREDIT CONTROL , LLC is a violation of FCRA 1681e ( b ), which requires maximum possible accuracy in credit reporting. There are discrepancies in how the account is reported across the credit bureaus : XXXX lists the account as " Open, '' whereas XXXX reports it as " Closed. '' This inconsistency highlights a failure to maintain accurate and consistent reporting. Moreover, CREDIT CONTROL , LLC neglected their obligations under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, by failing to provide proper debt validation. They did not supply any documentation from XXXX or any signed agreement or complete chain of title, which is necessary to verify the legitimacy of the debt. Their response lacks transparency and fails to address the specific inaccuracies I highlighted, including the incorrect collection status and the charge-off dates reported by XXXX that do not align with the account 's status. The company 's response is a known tactic of dodging accountability by redirecting me to XXXX, which is unacceptable. They are the entity that reported the information to the credit bureaus and are responsible for its accuracy. My initial complaint provided all necessary details, including my name, address, and account number, which should have been sufficient for them to conduct a reasonable investigation. I request that the CFPB reopen my complaint and consider referring CREDIT CONTROL , LLC for enforcement action due to their procedural failures and noncompliance with the FCRA. I reserve all rights under 15 U.S.C. 1681n for willful noncompliance, 1681o for negligent noncompliance, and 1692k for FDCPA damages. I demand the immediate deletion of this account from all three credit bureaus to rectify the harm caused by their inaccurate reporting. This action is necessary to prevent further damage to my creditworthiness and financial opportunities.

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