Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Control, LLC
State: NY

Complaint narrative:
am submitting this complaint regarding the conduct of Credit Control LLC in connection with a collection account that has been reported on my consumer credit report. Credit Control LLC furnished a collection tradeline regarding an alleged debt ; however, I have never received the written notice required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( a ) ). Under this federal statute, a debt collector must provide a written notice containing specific disclosures regarding the alleged debt and the consumers rights within XXXX ( XXXX ) days after the initial communication with the consumer. This notice is required so that consumers are informed of the alleged debt and their rights before or during the early stages of collection activity. In this case, Credit Control LLC reported a collection account to consumer reporting agencies despite the fact that I have never received the written notice of debt referenced above. Reporting a collection account is a form of collection activity, and the company should be able to demonstrate that it complied with the notice requirements of the FDCPA when initiating its collection efforts. This complaint is not a request for debt validation. The issue presented is whether Credit Control LLC complied with the mandatory initial written notice requirement under 15 U.S.C. 1692g ( a ) prior to or in connection with reporting the alleged debt. Because I have not received the required notice, the burden is on Credit Control LLC to demonstrate that it complied with the FDCPA notice requirement. To address this complaint, I request that Credit Control LLC provide the following documentation : A copy of the initial written notice of debt that the company states was sent to me pursuant to 15 U.S.C. 1692g ( a ). Documentation identifying the exact date the notice was mailed. Documentation identifying the address to which the notice was sent. Objective mailing records demonstrating that the notice was sent. Documentation demonstrating delivery or receipt of the notice, such as delivery confirmation or comparable mailing records. If Credit Control LLC can not provide documentation demonstrating that the required notice was sent in compliance with the FDCPA, then the reporting of this collection account occurred without evidence of compliance with the statutory notice requirement. Additionally, based on my review of publicly available information, I have concerns regarding whether Credit Control LLC was properly authorized or licensed to conduct debt collection activity in the State of New York at the time this account was reported. I request that the company clarify its authorization or licensing status for that jurisdiction. If Credit Control LLC can not produce objective documentation demonstrating that the written notice required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( a ) ) was sent and delivered in compliance with federal law, I request that the company remove the collection tradeline from all consumer reporting agencies and cease further collection activity regarding this account. I respectfully request that the Consumer Financial Protection Bureau review this matter and require Credit Control LLC to provide the documentation referenced above.

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