Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: IN

Complaint narrative:
I am filing this complaint against Credit Control , LLC [ XXXX, Resurgent ] for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, by failing to provide proper verification/validation of an alleged debt after I timely disputed it. 

On or about XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that they are trying to collect a debt that I owe XXXX XXXX XXXX. 

I have asked for the exact same information XXXX times [ XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ] to validate the debt by providing the following information : 1 ) A copy of the original credit card contract or agreement bearing my signature, demonstrating that I entered into a legally binding agreement with the original creditor.

2 ) A detailed explanation of how the alleged debt amount was calculated, including a breakdown of the principal, interest, fees, and any other charges.

3 ) Copies of all documents that demonstrate my agreement to pay the alleged debt.

4 ) The name and address of the original creditor associated with the alleged debt.

5 ) A complete and detailed chain of custody of the alleged debt, including the names and addresses of all parties to whom the debt was assigned or sold, from the original creditor to resurgent.

As of the date of filing this complaint, every response has only been the same account summary report [ attached ] and the same credit card statement [ attached ]. This response is wholly insufficient under 1692g ( b ) and case law, as it provides no proof of ownership, no accounting breakdown, no original creditor details beyond what's alleged, no signed contract and no complete/detailed chain of custody of the alleged debt. A single statement does not verify the debt 's validity, amount, or ownership. 

Previously, XXXX XXXX XXXX ( another servicer for XXXX ) attempted to collect this same debt starting in XX/XX/XXXX and also failed to validate despite my requests. 

I received a letter dated XX/XX/XXXX that states Because your account has not been resolved, it has been moved into a six-month accelerated prelegal collections track. This track is the last stop in collection efforts before the account is considered for referral to an attorney. If you do not establish a plan with Resurgent to resolve your account before the end of the prelegal track, it may be forwarded to an attorney to review for a possible lawsuit. 

HOW CAN THEY REFER IT TO AN ATTORNEY WHEN THEY OBVIOUSLY CANT EVEN PROVE THAT I OWE XXXX XXXX ANY MONEY OR THEY WOULD HAVE SENT THE DOCUMENTATION PROVING IT. 

By providing inadequate validation yet implying the debt is valid, Credit Control , LLC is continuing improper collection practices in violation of the FDCPA and are 100 % harassing me at this point as I submitted a Cease and Desist letter to them XX/XX/XXXX. 

I request that the CFPB investigate this matter, require Credit Control , LLC, XXXX  and XXXX XXXX XXXX to cease collection until proper validation, and take appropriate enforcement action. 

Documentation is attached and I have proof of delivery receipts for every letter I sent them if needed.

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