Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX RE : FORMAL DISPUTE, DEMAND FOR FULL VALIDATION, CEASE COLLECTION & CEASE REPORTING Account Referenced : XXXX Current Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX ( XXXX XXXX  ) To Whom It May Concern, This letter serves as formal notice that I dispute the above-referenced alleged debt in its entirety pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

You have sent collection correspondence demanding payment. However, you have not provided competent validation of this alleged obligation. 

You are hereby required to provide complete, admissible documentation proving legal enforceability of this alleged debt, including but not limited to ALL of the following : 1. Original signed credit card application bearing my wet signature.

2. Original cardholder agreement in effect at account opening.

3. Any amended or subsequent cardholder agreements.

4. Original account number and all associated account numbers.

5. Complete monthly billing statements from account opening through charge-off.

6. A full itemization of the current balance of {$520.00}, including principal, interest, late fees, and other charges.

7. Documentation showing how interest was calculated.

8. Date of first delinquency.

9. Date of last payment. 
10. Date of charge-off.

11. Proof the alleged debt is within the applicable statute of limitations. 
12. Proof XXXX XXXX XXXX legally owns this debt, including bill of sale, assignment agreements, and chain of custody documentation. 
13. Proof Credit Control , LLC has authority to collect on behalf of XXXX XXXX XXXX. 
14. Proof Credit Control , LLC is licensed and bonded to collect debts in the State of Florida. 
15. License number and registered agent. 
16. Proof of authority to furnish information to consumer reporting agencies. 
17. Copy of any contract authorizing XXXX or Credit Control to report. 
18. Documentation showing a reasonable investigation was conducted prior to furnishing information to any consumer reporting agency. 
19. Proof of compliance with 15 U.S.C. 1681s-2 ( b ).

20. Proof of identity matching demonstrating this account belongs to me specifically. 
21. Documentation showing whether the account was ever sold, resold, or reassigned after charge-off.

22. Complete transaction history from original creditor to present.

23. Any insurance, credit protection, or add-on products associated with the account.

24. Proof of mailing of any notices of assignment or transfer.

25. Proof of mailing of any charge-off notice. 

Internal screenshots, spreadsheets, summaries, or database printouts will not constitute proper validation. 

Additionally, if you have continued reporting this account to consumer reporting agencies after prior disputes without conducting a reasonable investigation, such conduct constitutes violations of : 15 U.S.C. 1692g ( b ) Continuing collection after dispute 15 U.S.C. 1692e False or misleading representations 15 U.S.C. 1681s-2 ( b ) Failure to conduct proper investigation Until full validation is provided, you must : Cease all collection activity Cease all communication regarding this account Cease furnishing or reporting this account to any consumer reporting agency If you are unable to provide full validation, you must immediately delete this account from all consumer reporting agencies and confirm deletion in writing. 

Failure to comply will result in formal complaints being filed with the Florida Attorney General, Missouri Attorney General, Federal Trade Commission, and Consumer Financial Protection Bureau. 

This letter preserves all rights and remedies available under federal and state law. 

Sincerely, XXXX XXXX XXXX

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