Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MO

Complaint narrative:
To Whom It May Concern, This is a formal complaint regarding repeated and escalating violations of the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX and its affiliated debt collectors, including XXXX XXXX XXXX XXXX, Credit Control , LLC, and XXXX XXXX XXXX, XXXX. 
I am requesting that both the Consumer Financial Protection Bureau and the Missouri Attorney Generals Office investigate and take enforcement action.

________________________________________ Summary of Complaint This debt has been disputed in writing multiple times. Despite that, it has been repeatedly resold and collected on without validation. Each new collector has failed to comply with federal law, and continues using the same insufficient documentation a one-page summary that does not satisfy the FDCPAs validation requirements. 
________________________________________ Timeline of Violations XX/XX/XXXX Received a debt collection letter from XXXX XXXX XXXX, representing XXXX XXXX XXXX. 
XX/XX/XXXX Sent a detailed written validation request by Certified Mail. 
XX/XX/XXXX Received a one-page summary in response this did not include original account statements, a chain of title, or legally sufficient documentation. 
XX/XX/XXXX Sent a second, more specific validation request, again certified. 
No further response was received. 
XX/XX/XXXX Received a new collection notice from Credit Control , LLC. 
XX/XX/XXXX Sent a written validation request to Credit Control LLC via XXXX Mail. 
XX/XX/XXXX Received the same one-page summary, again failing to provide full validation. 
XX/XX/XXXX Received another collection notice from XXXX XXXX XXXX, XXXX, once again with the same inadequate summary. 
At no point was any of the following provided : A full accounting of the alleged debt A copy of the original creditor agreement A complete chain of title or bill of sale between XXXX and each subsequent collector This ongoing pattern violates FDCPA 15 U.S.C. 1692g and has caused ongoing harassment and stress. 
________________________________________ Improper Behavior & Requests Collection activity continued while the debt remained disputed.

The debt was resold multiple times without curing the original dispute.

The same inadequate summary was used by all collectors.

Attempts to intimidate the consumer continued despite certified mail records showing clear, documented requests for validation.

No collector ever complied with the legal requirement to cease collection until validation was provided. 
________________________________________ What I'm Requesting I respectfully request the following : 1. That XXXX XXXX XXXX, XXXX XXXX XXXX, Credit Control , LLC, and XXXX XXXX XXXXXXXX XXXX. be investigated for repeated FDCPA violations.

2. That these entities be directed to cease all collection activities and formally acknowledge the account is disputed and unvalidated.

3. That regulators issue any applicable fines or penalties.

4. That these agencies be held responsible for reselling disputed debt and knowingly engaging in deceptive and harassing behavior.

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