Consumer complaint received 2026-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: FL

Complaint narrative:
I dispute Credit Control, LLCs attempt to collect an alleged XXXX debt because the company has not established that it is collecting the correct account or the correct amount. Its XX/XX/year> collection notice contains unexplained charges and adjustments, uses an account identifier that does not match the XXXX account appearing on my credit reports, and conflicts with the balances, statuses, and dates reported by Equifax, Experian, and TransUnion. This alleged XXXX obligation also has a prior collection history involving XXXX XXXX XXXX. XXXX XXXX collection tradeline concerning a XXXX account was previously removed from all three nationwide consumer reporting agencies. Credit Control is now attempting to collect an alleged XXXX debt without explaining whether it is the same obligation previously associated with XXXX XXXX, why a different account identifier is being used, or why the amount has changed. XXXX XXXX unsupported XXXX XXXX Controls XX/XX/year> notice identifies : Reference number : XXXX Alleged creditor : XXXX Account number : Beginning with XXXX Balance as of XX/XX/year> : {$1400.00} Interest added : {$0.00} Non-interest charges or fees added : {$250.00} Payments or credits applied : {$160.00} Current amount claimed : {$1400.00} Credit Control provides no account-level records explaining the {$250.00} in added charges or fees. It does not identify when the charges were imposed, who imposed them, what each charge represents, or the contractual or legal basis for adding them. The notice also fails to identify the date, source, or nature of the alleged {$160.00} payment or credit. It does not state whether that amount was a payment, adjustment, refund, reversal, account credit, or some other transaction. The notice therefore presents only a mathematical summary. It does not establish that the underlying account belongs to me, that the balance is accurate, or that the added charges are authorized. Material mismatch with the XXXX credit bureaus XXXX XXXX identifies an alleged XXXX account beginning with XXXX and seeks to collect {$1400.00}. However, my XX/XX/year> three-bureau credit report identifies the disputed XXXX account XXXX a different partial account number, ending in XXXX, and reports a balance of approximately {$1600.00}. The reporting agencies also materially disagree about the status of the alleged account : TransUnion reports the XXXX account as a collection or charge-off. Experian reports the XXXX account as a collection or charge-off. Equifax reports the account as open and approximately 120 days late. The reports further conflict regarding : the current balance ; the original balance ; the partial account number ; whether the account is open or closed ; whether the account is delinquent, charged off, or in collection ; the date of last payment ; the date reported ; the delinquency history ; the charge-off information ; and the collection status. These are not harmless formatting differences. They concern the identity, amount, status, history, and legal character of the alleged obligation. Credit Control has not explained how its account beginning with XXXX relates to the XXXX account ending in XXXX. It has not explained why it is demanding {$1400.00} while the bureaus report approximately {$1600.00}. It has also not explained why Equifax reports an open delinquent account while Experian and TransUnion report a collection or charge-off. Without reconciling those discrepancies, Credit Control can not reasonably establish that it is collecting the correct account in the correct amount. XXXX XXXX XXXX collection and deletion This alleged XXXX obligation has already been associated with a previous debt collector. XXXX XXXX XXXX previously reported a XXXX collection account. After the account was disputed, XXXX Capitals collection tradeline was deleted from Equifax, Experian, and TransUnion. I understand that deletion of a prior XXXX tradeline does not, by itself, establish that no underlying obligation exists. However, it is highly relevant to account identity, collection history, placement history, and data accuracy. Credit Control has not disclosed or explained : whether it is collecting the same alleged XXXX debt previously handled by XXXX XXXX ; when and why the account was transferred or reassigned ; whether XXXX XXXX returned the account to XXXX ; whether the prior deletion resulted from inadequate documentation, inaccurate reporting, reassignment, or another reason ; why Credit Control uses a different partial account number ; why the balance now differs from the amounts previously reported ; or what records Credit Control reviewed before beginning collection. A previously deleted collection account should not simply reappear through another collector under a different identifier and balance without a documented and accurate reconciliation of the account history. Entire debt and collection claim disputed I dispute the alleged debt in its entirety, including : liability ; account identity ; amount ; balance calculation ; added fees and charges ; payments and credits ; payment history ; delinquency history ; ownership ; assignment or placement history ; Credit Controls authority to collect ; the relationship between Credit Control, XXXX, and XXXX XXXX ; and the accuracy of any information communicated or furnished concerning the account. I am not requesting a conclusory statement that Credit Controls records show the balance is correct. I am requesting actual account-level evidence that identifies the obligation and reconciles the material contradictions. Documentation and explanations requested I request that Credit Control provide : The complete original XXXX account number, subject only to necessary security redactions. The full name and address of the original creditor. The original service agreement, device agreement, application, installment agreement, or other record allegedly creating the obligation. Records showing how the alleged account was connected to me. The complete XXXX billing history from account opening through placement with Credit Control. The final XXXX billing statement. A complete itemized ledger identifying every service charge, device charge, tax, fee, payment, credit, adjustment, refund, reversal, and balance change. The date, amount, description, and authority for every charge included in the alleged {$250.00} in non-interest charges or fees. The date, source, and nature of the alleged {$160.00} payment or credit. Documentation showing how Credit Control calculated the current balance of {$1400.00}. Documentation reconciling Credit Controls {$1400.00} demand with the approximately {$1600.00} balance appearing on the current credit reports. Documentation reconciling the account beginning with XXXX with the XXXX account ending in XXXX. The account opening date, closing date, date of default, date of last payment, date of charge-off, and date the account was placed for collection. Documentation identifying whether Credit Control owns the alleged debt or is collecting on XXXX behalf. Documentation establishing Credit Controls authority to collect. The complete placement or assignment history involving XXXX, XXXX XXXX XXXX, Credit Control, and any other collector. The date Credit Control received the account and the records it received from XXXX. An explanation of whether Credit Control is collecting the same alleged obligation previously reported by XXXX XXXX. An explanation of why XXXX XXXX tradeline was deleted from all three bureaus, to the extent Credit Control or XXXX possesses that information. The name of every consumer reporting agency to which Credit Control has furnished or caused information to be furnished. The exact account number, balance, status, dates, and remarks furnished to each reporting agency. Written confirmation that the account is identified as disputed wherever XXXX XXXX has communicated information concerning it. Requested resolution I request that Credit Control cease collection while the account remains disputed and provide complete account-level documentation establishing the identity, amount, history, and collection authority for the alleged debt. Credit Control should specifically reconcile : its account beginning with XXXX with the XXXX account ending in XXXX ; its claimed balance of {$1400.00} with the approximately {$1600.00} balance reported by the bureaus ; Equifaxs open and delinquent status with Experians and TransUnions collection or charge-off status ; the unexplained {$250.00} in added charges ; the unexplained {$160.00} payment or credit ; and the prior XXXX XXXX XXXX and deletion history. Credit Control should also confirm whether it furnished or caused information to be furnished to any consumer reporting agency and ensure that any such information is identified as disputed. If Credit Control can not produce competent records establishing that it is collecting the correct account, from the correct consumer, in the correct amount, it should : close the collection account ; cease all collection activity ; return the account to XXXX ; correct or withdraw any inaccurate information it furnished or caused to be furnished ; and provide written confirmation of those actions. This complaint is not a refusal to pay a proven and accurately documented obligation. It is a formal dispute of a collection claim whose identity, balance, status, fees, history, and relationship to a previously deleted collection account remain materially unsupported and unreconciled.

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