Consumer complaint received 2025-12-15 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: NJ

Complaint narrative:
CFPB COMPLAINT UNLAWFUL DEBT COLLECTION, SYSTEMIC NON-COMPLIANCE, DATA MISUSE, AND FAILURE TO VALIDATE Complainant : XXXX XXXX Owner / Managing Member XXXX XXXX XXXX New Jersey Company Complained About : Credit Control LLC I. NATURE OF THE COMPLAINT This complaint concerns systemic, repeated, and willful violations of federal debt-collection law by Credit Control LLC , including unlawful collection activity, failure to validate disputed debt, misrepresentation of liability, continued communications after dispute, and improper use and retention of data.

II. IDENTIFICATION OF THE ALLEGED ACCOUNTS Credit Control LLC has attempted to collect alleged debts under the following internal reference numbers : Reference No. XXXX XXXX XXXX. XXXX These alleged accounts are disputed, unverified, unenforceable, and not owed. 

XXXX. MATERIAL FACTS The alleged accounts were opened solely under XXXX XXXX XXXX XXXXXXXX No personal guarantee exists by any member, officer, or individual The alleged debts were formally disputed Credit Control LLC failed to provide lawful validation as required Collection activity continued after dispute, in violation of federal law XXXX XXXX XXXX : Is out of business Has no assets Has no active bank accounts Any implication of personal liability is false, deceptive, and unlawful IV. STATUTORY VIOLATIONS Credit Control LLCs conduct violates, including but not limited to : FDCPA 805 ( c ) Continued communication after dispute FDCPA 807 False, deceptive, and misleading representations FDCPA 809 Failure to provide proper validation TCPA Unauthorized and unlawful communications Improper collection, use, and retention of disputed data Applicable New Jersey and Missouri consumer protection statutes V. DOCUMENTED PATTERN OF FEDERAL LITIGATION ( PUBLIC RECORD ) Credit Control LLC has been repeatedly sued across multiple federal jurisdictions, including class actions and appellate proceedings, for violations of the same statutes implicated in this complaint.

Federal Lawsuits Against Credit Control LLC Klote v. Credit Control LLC Case No. XXXX E.D. Missouri ( TCPA Filed XX/XX/XXXX ) XXXX XXXX Credit Control LLC Case No. XXXX E.D. Missouri ( TCPA Filed XX/XX/XXXX ) XXXX XXXX Credit Control LLC Case No. XXXX XXXX Alabama ( FDCPA XXXX XX/XX/XXXX ) XXXX XXXX Credit Control LLC XXXX XXXX XXXX XXXX E.D. Pennsylvania ( FDCPA XXXX ) XXXX XXXX Credit Control LLC Docket No. XXXX XXXX Court XXXX XXXX XXXX XXXX Circuit ( FDCPA Class Action XX/XX/XXXX ) XXXX XXXX Credit Control LLC XXXX XXXX. XXXX XXXX Court XXXX XXXX XXXX XXXX Circuit XXXX FDCPA Appeal XX/XX/XXXX ) XXXX XXXX Credit Control LLC XXXX XXXX. XXXX S.D. Florida ( FDCPA XXXX XXXX XX/XX/XXXX ) VI. REGULATORY AND PUBLIC COMPLAINT RECORD In addition to federal litigation, Credit Control LLC has an extensive record of regulatory and public complaints, including : Better Business Bureau : XXXX formal complaints FTC & CFPB complaint databases : Multiple FDCPA/TCPA complaints Consumer reporting platforms : Over XXXX documented negative reports These records demonstrate a systemic pattern of harassment, misrepresentation, and failure to comply with validation requirements. 

XXXX. REGULATORY SIGNIFICANCE The conduct alleged in this complaint mirrors the conduct alleged in prior federal lawsuits, demonstrating : Repeated disregard for consumer dispute rights Failure to comply with federal validation standards Misrepresentation of legal liability Ongoing non-compliance despite regulatory oversight This is not an isolated incident, but part of a documented pattern of unlawful conduct.

VIII. RELIEF REQUESTED I respectfully request that the CFPB require Credit Control LLC to : Immediately cease all collection activity related to Reference Nos. XXXX and XXXX Permanently close all internal files associated with XXXX XXXX XXXX Provide written confirmation that : The alleged debts are closed No further communication will occur No reporting, resale, or data use will continue Submit a full, accurate, and good-faith response to this complaint XXXX. PRESERVATION NOTICE All communications, records, reference numbers, and documentation have been preserved and reviewed by counsel. Any misleading or evasive response to the CFPB will be treated as willful non-compliance.

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