Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: PA

Complaint narrative:
XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX To Whom It May Concern, I. NOTICE OF DISPUTE AND RIGHT TO VALIDATION I am writing in response to your collection activity regarding the above-referenced account. Be advised : I am exercising my right to dispute this alleged debt and demand full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay this is a lawful demand to verify that this debt is valid, that you have legal authority to collect it, and that the reported information is accurate. Under 1692g ( b ), you are required to cease all collection activity including any credit reporting until you have provided adequate verification of this debt. II. SPECIFIC VALIDATION REQUIRED I am demanding the following documentation be provided in writing within 30 days of receipt of this letter : 1. A copy of the original signed credit card agreement or application bearing my signature establishing my liability for this account 2. Proof that your agency is legally licensed and bonded to collect debts in the state of Pennsylvania, including your debt collector license number 3. The complete chain of assignment every bill of sale, transfer agreement, or assignment document showing how this debt was transferred from the original creditor to your agency 4. A full account ledger showing the original principal balance, each charge applied, all interest and fees added, and how the current alleged balance was calculated 5. The name and address of the original creditor, and the date the account was first reported delinquent ( to verify the statute of limitations and credit reporting timeline ) 6. Proof that this account falls within the Pennsylvania statute of limitations for credit card debt collection ( 4 years under 42 Pa. C.S . 5525 ) 7. Confirmation that this debt has not been sold to multiple collection agencies, charged off, settled, discharged in bankruptcy, or otherwise resolved III. CREDIT REPORTING DISPUTE DEMAND FOR DELETION This account is currently appearing on my consumer credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, you are required to : 8. Conduct a reasonable investigation into the accuracy of the reported information 9. Review all relevant information provided by the consumer 10. Permanently delete or correct any information that can not be verified as accurate and complete If you can not provide complete, verifiable documentation for every item listed in Section II above, you are legally required to immediately request deletion of this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ). Reporting an unverified debt is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate information to consumer reporting agencies. IV. VIOLATIONS ALREADY ON RECORD If your agency has already attempted to collect this debt without first providing validation, or if you have continued reporting this account after receiving this dispute, you may already be in violation of : 11. 15 U.S.C. 1692e False or misleading representations in connection with debt collection 12. 15 U.S.C. 1692f Unfair or unconscionable collection practices 13. 15 U.S.C. 1692g Failure to honor a timely validation request 14. 15 U.S.C. 1681n / 1681o Willful or negligent non-compliance with the FCRA Each violation carries potential liability for actual damages, statutory damages up to {$1000.00} per violation, punitive damages, and attorney 's fees under both the FDCPA and FCRA. V. WHAT I EXPECT FROM YOU Within 30 days of receiving this letter, I expect one of the following : 15. Full written validation with all documents requested in Section II in which case I will review the documentation and respond accordingly 16. Written confirmation that this account has been permanently deleted from all three major credit bureaus and all collection efforts have ceased There is no third option. Silence, a billing statement, or a generic summary does not constitute validation and will be treated as non-compliance. If I do not receive a satisfactory response within 30 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Pennsylvania Attorney General 's Office, and pursue litigation if warranted. All future correspondence must be in writing. Do not contact me by phone. 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