Consumer complaint received 2026-05-05 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: OH

Complaint narrative:
b"CFPB ELDER COMPLAINT REBUTTAL COMPLAINT NO. XXXX\nConsumer: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date: XXXX XXXX XXXX Re: Credit Control, LLC Inadequate and Evasive CFPB Response\n\nI also ask that CFBP forward to Ohio Attorney General Elder Consumer Department \n\nCONSUMER REBUTTAL TO CREDIT CONTROL, LLC'S CFPB RESPONSE\nI am submitting this rebuttal in response to Credit Control, LLC's reply to CFPB Complaint No. XXXX, in which they claim they cannot respond due to an alleged lack of Personally Identifiable Information (PII).\n\nThis claim is false, pretextual, and contradicted by Credit Control's own documented conduct.\n\nI. CREDIT CONTROL ALREADY POSSESSES MY IDENTITY AND ACCOUNT INFORMATION\nCredit Control, LLC has been actively communicating with me by name, at my address since at least XXXX XXXX XXXX. Their own collection letters, copies of which are attached to this rebuttal, confirm:\n\nMy full legal name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nMy mailing address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nTheir internal reference number: XXXX\nThe account in question: XXXX XXXX XXXX XXXX account ending in XXXX XXXX XXXX\nThe amount claimed: $XXXX\nCredit Control sent me collection letters dated XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX all addressed to me by name, at my address, referencing the exact account at issue. Their claim that they cannot identify me or the account is not credible. It is a delay tactic.\n\nII. MY CERTIFIED MAIL DEMAND WAS DELIVERED AND RECEIVED\nOn XXXX XXXX XXXX, I transmitted a formal written debt verification request to Credit Control, LLC via USPS Certified Mail, Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX. That letter was delivered and received. It contained my full name, address, and account reference information sufficient to identify me and the account.\n\nOn XXXX XXXX XXXX, I transmitted a Second and Final Demand via USPS Certified Mail, Tracking No. XXXX XXXX XXXX XXXX XXXX XXXX, again with full identifying information.\n\nCredit Control has had my PII in their possession since at least XXXX XXXX. Their CFPB response claiming otherwise is a misrepresentation to a federal regulator.\n\nIII. CREDIT CONTROL'S RESPONSE IS A REGULATORY EVASION\nThe FDCPA, 15 U.S.C. 1692g, required Credit Control to respond to my XXXX XXXX XXXX verification request within 30 days by XXXX XXXX XXXX. As of the date of this rebuttal, that deadline has passed by more than 68 days with zero substantive response.\n\nTheir CFPB reply does not deny the violations. It does not provide verification. It does not dispute the timeline. It simply claims it cannot identify me a claim refuted by their own letters.\n\nThis response pattern sending collection letters to a consumer, then claiming inability to identify that same consumer when a federal complaint is filed is precisely the type of evasive conduct the CFPB was created to address.\n\nIV. SPECIFIC VIOLATIONS REMAIN UNADDRESSED\nCredit Control's CFPB response fails to address any of the following documented violations:\n\nViolation\tAuthority\tStatus\nFailure to validate debt within 30 days\n15 U.S.C. 1692g\nUnaddressed\nContinued credit reporting after timely dispute\n15 U.S.C. 1692g(b)\nUnaddressed\nPhantom verification by CRAs without consumer notification\n15 U.S.C. 1681i(a)(6)\nUnaddressed\nContinued reporting of unverified information\n15 U.S.C. 1681s-2(a)(1)(A)\nUnaddressed\nFailure to conduct reasonable investigation\n15 U.S.C. 1681s-2(b)\nUnaddressed\nElder financial exploitation Senior Citizen on fixed XXXX\nElder Justice Act; XXXX XXXX XXXXnUnaddressed\n\nV. REQUESTED CFPB ACTION\nI respectfully request that the CFPB:\n\nReject Credit Control's response as non-responsive and evasive;\n\nDirect Credit Control, LLC to provide a substantive response addressing each violation cited in Complaint No. XXXX;\n\nNote that Credit Control's own collection letters attached herein confirm they possess full identifying information for this consumer and account;\n\nEscalate this complaint for supervisory review under 12 U.S.C. 5514 given the pattern of non-compliance, evasion, and targeting of a Senior Citizen on fixed XXXX income;\n\nRequire Credit Control to confirm in writing whether account ending in XXXX (Ref: XXXX) has been deleted from all consumer reporting agencies.\n\nRemoval of account from CRB accounts due to non-response of 68 days. \n\nVI. ATTACHMENTS SUPPORTING THIS REBUTTAL\n\nCredit Control collection letter XXXX XXXX XXXX (confirms identity and account)\n\nCredit Control collection letter XXXX XXXX XXXX\n\nCredit Control collection letter XXXX XXXX XXXX\n\nSecond and Final Demand XXXX XXXX XXXX (Certified Mail No. XXXX XXXX XXXX XXXX XXXX XXXX)\n\nUSPS Certified Mail tracking confirmation XXXX XXXX XXXX demand\n\nCFPB Complaint No. XXXX-XXXX confirmation\n\nRespectfully submitted,\n\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone: XXXX Email: XXXX XXXX XXXX Consumer / Senior Citizen / Fixed XXXX Income"

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