Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Control, LLC
State: GA

Complaint narrative:
Dispute Regarding Unauthorized Inquiry on XXXX Consumer Report and Fraudulent Stall Tactics Dear Credit Control , LLC, I am writing to formally dispute the inquiry your company placed on my Experian consumer report on XX/XX/year>. Your responses dated XX/XX/year>, and XX/XX/year>, use fraudulent stall tactics that fail to address my complaint. These responses suggest a refusal to comply with the Fair Credit Reporting Act ( FCRA ) and may also constitute violations of federal law. 

The inquiry in question was unauthorized and constitutes aggravated identity theft under **18 U.S.C . 1028**. Your refusal to address my dispute, coupled with demands for personal identifying information, exacerbates this violation and raises concerns about deceptive business practices. 

To address this matter effectively, I have taken the following actions and demand your compliance : 1. **Documenting and Preserving Evidence** : - I have retained all correspondence between your company and me. 
- Screenshots and printed copies of my XXXX consumer report showing the unauthorized inquiry have been saved. 

2. **Direct Dispute Details** : - This dispute pertains to an inquiry by Credit Control , LLC XXXX visible on my XXXX report. 
- I assert that this inquiry was not authorized by me, which constitutes a violation of my rights under the FCRA. 
- I will not provide sensitive personal information as requested in your prior responses, as this could expose me to further identity theft risks. 

3. **Complaint to the FTC** : - I have filed a complaint with the Federal Trade Commission via XXXX IdentityTheft.gov ] ( https : //www.identitytheft.gov/ ), documenting the unauthorized inquiry and your deceptive practices. 

4. **Notification to XXXX : - I have submitted a direct dispute to XXXX, including evidence of your responses and the unauthorized inquiry, and requested its removal. 

5. **Consideration of Legal Action** : - I am preparing to consult with a consumer protection attorney to address your violations of the FCRA and **18 U.S.C. 1028**, along with potential claims under deceptive practices laws.

- I will also report any suspected collusion with the original creditor to the IRS using Form 3949-A if evidence of tax fraud is substantiated.

Required Actions To resolve this matter promptly and avoid further legal and regulatory actions, I demand that you : 1. Provide the validation of debt that Credit Control , LLC has refused to provide on two separate occasions. 
2. Provide clear evidence that I authorized the inquiry on my XXXX consumer report. 
3. Remove the unauthorized inquiry immediately.

4. Cease all requests for unnecessary personal information under the guise of third-party disclosure concerns. 

Failure to comply within the legally mandated timeline will result in further action, including escalation to the Federal Trade Commission, the IRS, and other relevant agencies. 

I am a well-informed consumer and will not tolerate violations of my rights or deceptive business practices. This matter must be resolved promptly and transparently. You have 15 days to provide what I have asked, as mandated by consumer law.

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