Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: MD

Complaint narrative:
I am filing a complaint regarding a XXXX XXXX account that was closed in XX/XX/XXXX but later reported as delinquent and sent to collections without me having a fair or reasonable opportunity to resolve the balance prior to long-term credit reporting harm. 

My last payment on this account was made in XX/XX/XXXX, and the account was closed the following month without any indication at the time that further action was required. I was not aware of any remaining balance prior to the account being reported to the credit bureaus. The first time I became aware of this alleged balance was through an email from XXXX XXXX dated XX/XX/XXXX. 

XXXX has stated that notice was sent ; however, I did not receive notice sufficient to allow resolution prior to collection placement. During the credit bureau dispute process, XXXX provided copies of billing statements. These disputes were denied, leaving the negative reporting in place. 

The account was initially placed with XXXX XXXX. I contacted XXXX XXXX to attempt resolution and requested removal of the credit reporting upon payment. XXXX XXXX stated that XXXX would need to authorize any deletion. When I contacted XXXX, I was routed between multiple departments, many of which stated they could not access or view the account. 

The account was later reassigned to Credit Control LLC. I again attempted to resolve the issue and requested deletion upon payment. Credit Control LLC stated that XXXX would need to authorize any removal. 

The account was later recalled by XXXX from Credit Control LLC. During my call regarding the recall, XXXX stated that if payment were made, the account would be reported as paid but would not be deleted from my credit report due to internal policy. When I requested a copy of this policy or written confirmation of the recall, I was informed that this documentation could not be provided. 

This account was first reported in XX/XX/XXXX, and I have been actively attempting to resolve it since I first became aware of it on XX/XX/XXXX ; as of XX/XX/XXXX, no resolution has been offered that would prevent continued negative credit reporting. 

As a result, the only resolution offered is payment with continued negative credit reporting, despite my repeated good-faith attempts to resolve the matter and the fact that the balance involved is {$100.00}. This issue is isolated and not reflective of my overall credit history, which is otherwise in good standing with no prior delinquencies. I also currently maintain another XXXX account in good standing. 

The continued reporting of this account has caused disproportionate harm, including denial of credit line increases and preventing me from applying for refinancing options on my student loans to reduce my interest rate. I am willing to resolve the balance, but I am requesting a resolution that does not result in ongoing negative credit reporting for an account that I was not reasonably aware required action prior to collections.

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