Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NE

Complaint narrative:
Formal Complaint FCRA, FDCPA, and Consumer Data Violations To the Consumer Financial Protection Bureau : I respectfully file this urgent and formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to report ongoing consumer rights violations stemming from identity theft, unlawful credit reporting, and unauthorized debt collection efforts. 
- Credit Control , LLC, acting as a third-party debt collector. 
XXXX XXXX XXXX XXXX XXXX as the original creditor of a fraudulent XXXX XXXX XXXX XXXX XXXX 
Summary of the Complaint In XXXX, a fraudulent XXXX XXXX XXXX XXXX XXXX XXXX illegally placed into my locked, frozen, and fraud-flagged credit files without my consent. This tradeline falsely alleges a balance of {$2500.00}. It is based on an account that does not belong to me, and appears to have been created through unauthorized access to my personal information and credit files. It was never attached to my XXXX shopping profile. 
Notably, my credit bureau files with XXXX XXXX XXXX XXXX XXXX have all been : - Locked - Frozen - Flagged with active fraud alerts since XXXX, following a confirmed and extremely traumatic identity theft event. Ive also been exposed in numerous large-scale data breaches. Despite these legal protections in place for over XXXX years, new tradelines including the XXXX XXXX  account have been unlawfully inserted into my credit reports years after they were fraud-alerted, locked, and frozen. This is a direct violation of federal law and exposes the credit reporting agencies, furnishers, and data users to liability under FCRA 605B, 1681b, and 1681e ( b ). 
In XX/XX/XXXX, I submitted all required documentation to the credit bureaus to dispute and block the tradeline. The documents included : - An official FTC Identity Theft Report. 
- A confirmation email from XXXX affirming no such account was ever linked to my XXXX purchases, which have always been immediately paid from my personal banking accounts going as far back as XX/XX/XXXX. 
Despite this, on XX/XX/XXXX, I received a collection letter from Credit Control , LLC ( Ref # XXXX ), trying to collect on this known fraudulent tradeline a blatant continuation of unlawful activity. My personal information and contact details were illegally disseminated by the credit bureaus in response to that dispute without my consent contributing to unlawful contact and commingling of my personal data into this tradeline. 
Statutory Violations I. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

- 1681b Unauthorized access to frozen files - 1681c-2 ( FCRA 605B ) Failure to block identity theft-related information - 1681e ( b ) Failure to assure maximum possible accuracy - 1681g Failure to disclose re-furnishing parties and data furnishers II. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq.

- 1692e False representation - 1692c ( c ) Cease-and-desist violation - 1692f Unfair means Violation of Security Freezes and Fraud Alerts Pursuant to FCRA 605A ( 15 U.S.C. 1681c1 ), once a security freeze and fraud alert are in place, no new credit or tradeline accounts should be created or reported without express written authorization from the consumer. The fact that a new XXXX XXXX  account was created and inserted in XXXX into credit reports that have been locked since XXXX is legally indefensible. 
Harm and Retaliation As a verified victim of identity theft since XXXX, I have : - Locked, frozen, and fraud-flagged all credit reports- Provided an FTC Identity Theft Report and XXXX documentation XXXX Filed prior disputes and legal complaints with proper agencies Despite this, new fraudulent entries continue to be added into my credit profile, and I am being harassed for payment on accounts I have already proven to be fraudulent. The psychological harm, fear of continued retaliation, retaliatory lawsuits filed in bad faith by entities attempting to collect on proven fraudulent debts, and financial uncertainty this causes are immeasurable. 
I now fear to even exercise my federally protected right to dispute fraudulent tradelines that are being added into my credit files due to the risk that it may trigger additional retaliation, immediate lawsuits, additional dissemination of my personal information, or more collection attempts, chilling my ability to protect myself a constructive denial of my rights under FCRA 611 ( 15 U.S.C. 1681i ), which guarantees consumers the right to dispute inaccurate or fraudulent information. 
XXXX and Federally Protected Vulnerable Status I am a XXXX consumer and federally protected vulnerable individual under applicable civil rights and consumer protection laws. My status entitles me to additional safeguards in all credit, debt collection, and identity theft matters, as provided by : The Americans with XXXX XXXX ( XXXX ), XXXX XXXX. XXXX et seq. 
The Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq.

The Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

Despite these protections, I have been subjected to : - Persistent, extreme, and unlawful collection efforts.

- Illegal dissemination, corruption, and commingling of my personal information. 
- Violation of credit freezes, credit locks, and fraud alerts. 
- Continued credit pulls from unauthorized parties. 
- Constructive denial of my right to dispute fraudulent tradelines without retaliation. 
This conduct reflects a willful disregard of federally protected consumer rights, and warrants immediate investigation, heightened scrutiny, and remedial enforcement. 
Ongoing Safety and Communication Concerns Based on the pattern of misconduct, retaliation, and negligent handling of my personal information, I no longer feel safe or emotionally secure engaging in direct communication with the involved parties including Credit Control , LLC, XXXX XXXX XXXX XXXX any of the credit reporting agencies. 
My prior efforts to dispute these matters directly have only led to escalation, continued harassment, unauthorized data access, dispersal and commingling of my personal information, immediate lawsuits, and increased severe emotional distress. 
As a vulnerable, disabled consumer, I am now forced to rely solely on regulatory intervention through the Consumer Financial Protection Bureau, other authoritative bodies, and I respectfully request that all future communication regarding this matter be conducted exclusively through this official channel. 
Legal Basis for CFPB Jurisdiction This complaint falls squarely within the CFPBs enforcement authority, and I am requesting formal intervention and regulatory action. 
The Consumer Financial Protection Bureau is expressly authorized under the Consumer Financial Protection Act ( 12 U.S.C. 5531 et seq. ) to enforce violations of : The UDAAP provisions under the CFPA that prohibit unfair, deceptive, or abusive acts or practices especially when targeting vulnerable consumers.

The Fair Debt Collection Practices Act for unlawful and deceptive collection attempts ; The Fair Credit Reporting Act for consumer data misuse, unauthorized access, and failure to block identity theft ; Request for Enforcement and Remedy 1. Penalize Credit Control , LLC and XXXX XXXX XXXX 
XXXX. XXXX the permanent removal of the XXXX XXXX XXXX XXXX all credit bureau XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX to delete all commingled personal information and cease unauthorized dissemination of my personal information. 
4. Issue civil penalties or sanctions under FCRA 616 and 617, and FDCPA 813.

5. Require a written guarantee of zero future collection or unauthorized tradeline reinsertions.

6. Enforce compliance from credit bureaus to block all unauthorized access including blocking and removing any parties who have already been granted unauthorized access. 
XXXX. Permanent deletion of all personal and commingled information from the systems of the credit bureaus and any third parties to whom they have unlawfully disseminated or granted access. 
Supporting Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Final Statement The ongoing failure of the credit bureaus XXXX XXXX XXXX XXXX and Credit Control , LLC to XXXX the most basic legal protections afforded to identity theft victims is unconscionable. I urge the Bureau to enforce every available remedy under federal law to protect my rights, hold the responsible parties fully accountable, and prevent further harm not only to me, but to the many identity theft victims who are similarly unprotected by current systems that continue to fail in their legal obligations. 
Respectfully, 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