Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: TX

Complaint narrative:
This company seems to have been tagged to take over debt that is past the statute of limitations in the state of Texas. They illegally collecting or attempting to collect. The debt is 7 years old and needs to be completely removed from all credit bureaus. Their notice if false and misleading as it states Texas law limits them on how long they can sue for any alleged debt. It does not state the actual timeframe nor that this debt exceeds that timeframe by 3 years. It also states the XXXX XXXX will not report it to any credit reporting agency. Yet, credit karma and XXXX still reflect this debt. 

I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ). I did not sign any agreement and/or contract with this company regarding any allege debt. And this company should provide a valid recorded copy of an assignment of transfer to be able to attempt to collect on uncollectable debt after the statute of limitations. 

Texas XXXX bond information as required by Sec. 392.101 requires a business to be bond registered. This company is illegally collecting in the state of Texas. I also request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). 

The company almost doubled the amount of the original alleged debt. Under FCRA, the limit has been exceeded therefore violating the regulation. 

This company is also attempting to collect debt that has exceeded the statute of limitations in the state of Texas. They consistently call and leave various voice mails from the following several numbers ( XXXX, XXXX, XXXX, XXXX, XXXX ) and when you attempt to call them back some of the numbers have been disconnected. This company does not have my permission to call me on any cell phone I may have possessed, currently possess or will possess in the future. They need to cease and desist their threats to sue requesting that I submit a written plaintiff statement in my defense and schedule a time and location for delivery of whatever, which is a violation of collection practices to threaten to sue someone or delivery lawsuit/judgement items to their place of employment. I am seeking an attorney to discuss a class action lawsuit as I believe this is their practice and they are violating several laws includes Texas Finance Code 392.202 ( b ) ( 2 ), FCRA, FDCPA, Texas Debt Collection Act and TCPA 47 U.S. Code 227. These calls are harassment and have been going on for months, which is a violation of FDCPA. A complaint has also been filed with the Texas Attorney General 's office. I will also be filing a lawsuit in the state of Texas due to the violation of the TCPA and FDCPA. 

Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( XXXX ) actual damages sustained as a result of a violation of this chapter. Please also note Texas XXXX. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.

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