Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, XXXX  XXXX XXXX ( XXXX ) responded to a formal CFPB complaint regarding a XXXX debt. XXXX acknowledged the issue and stated they would request the account be removed from the credit bureaus as a courtesy, with removal to be reflected within XXXX business days. 

Despite this, on XX/XX/XXXX, I received a new collection notice from Credit Control , LLC for the exact same debt, inflated to {$350.00}. This constitutes improper reassignment of a previously disputed and resolved account. It raises serious concerns of re-aging, duplicate collection, and furnishing knowingly inaccurate information all of which violate federal and state consumer protection laws. 

Violations of Federal Law Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits reporting information that is known or believed to be inaccurate.

1681s-2 ( a ) ( 5 ) : Requires the correct Date of First Delinquency ( DOFD ) ; resetting this date is illegal re-aging.

1681s-2 ( b ) : Requires full reinvestigation and correction or deletion of disputed data. 
Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Requires validation of a debt upon request and halts collection until its provided.

1692c ( c ) : Requires debt collectors to cease all communication if the consumer requests it in writing.

1692e and 1692f : Prohibit deceptive or unfair practices, including attempts to collect on a settled or invalid debt. 

Supporting Case XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Re-aging or repackaging of closed debts for renewed collection violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) : Credit furnishers and bureaus must conduct independent and meaningful investigations; parroting the original furnishers claim is insufficient. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) : Debt collectors may not attempt to collect until proper validation is furnished under FDCPA 1692g. 

Violation of Arizona State Law Arizona Consumer Fraud Act ( A.R.S. 44-1522 ) : Deceptive practices such as misrepresenting the legal status of a debt or attempting to collect on a debt after the consumer is told it is resolved are considered unlawful. 

Conclusion This debt was already addressed and confirmed for deletion by the previous collector. It is now being used to initiate new collection activity without validation, in direct violation of multiple federal and state statutes. This is not a minor clerical error its a pattern of behavior that undermines the rights of consumers and misleads credit reporting systems. 

I am requesting : 1. Immediate and permanent deletion of this debt from all credit reports.

2. Cessation of all collection efforts by Credit Control , LLC.

3. A prohibition on resale, reassignment, or future furnishing of this debt to any agency.

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