Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: PA

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Formal Complaint Company : Credit Control , LLC Account Reference : XXXX Original Creditor : XXXX Subject : Formal Dispute, Demand for Waiver, and Assessment of XXXX Loss-of-Use Rate Statement of Facts I am filing this formal complaint against Credit Control , LLC regarding an alleged debt of {$1600.00} associated with XXXX. This collection attempt is based on fundamentally inaccurate information. Specifically, the records maintained by the collector list an incorrect city ( XXXX ) and zip code ( XXXX ) for my identity. As a resident of XXXX, Pennsylvania, I formally dispute the validity of this account and the accuracy of the underlying data. Despite my previous notices to cease and desist and to delete all personal data, the company has failed to provide verification of the debt or confirmation that the erroneous records have been purged. XXXX Settlement Demand & Loss-of-Use Assessment Pursuant to my administrative protocol for resolving unauthorized collection activities and data inaccuracies, I am officially assessing a " XXXX '' rate against Credit Control , LLC. Loss-of-Use Damage Rate : I am assessing a daily administrative and loss-of-use fee of {$10.00} per day for every day this inaccurate information remains in your system and for every day I am required to expend time correcting these administrative errors. Effective Date : This rate is effective as of the date of the initial collection notice. Settlement Requirement : For this matter to be resolved without further escalation, Credit Control , LLC must waive the full alleged balance of {$1600.00} and provide a formal accounting of the accrued loss-of-use damages. Regulatory Violations Credit Control , LLC is in direct violation of the following : Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : Engaging in collection activities based on inaccurate and unverified data. Regulation E ( 12 CFR 1005.11 ) : Failure to follow proper error resolution procedures regarding account disputes. Pennsylvania Consumer Protection Laws : Utilizing deceptive data and incorrect residency information to pursue a claim. Requested Relief Immediate Waiver : A full waiver and zeroing out of the {$1600.00} balance. Data Deletion : Permanent deletion of all personal data, including the incorrect XXXX address records. Cease and Desist : Immediate termination of all collection attempts, including phone, email, and mail. Credit Protection : Strict prohibition against reporting this disputed account to any Credit Reporting Agency ( CRA ). Administrative Compliance : Written confirmation that the XXXX loss-of-use rate has been acknowledged and the account is closed. I am prepared to escalate this matter to the Pennsylvania Office of Attorney General and the Pennsylvania Department of Banking and Securities if Credit Control , LLC does not immediately comply with these demands. Complainant : XXXX XXXX XXXX, Pennsylvania

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