Credit Control, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/20/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89103	Web
XXXX Sold My Consumer Report Information and account to a third party debt collector without my consent. XXXX has reported derogatory marks, such as " late payments which caused a charge off, that linger on my consumer report without consent. Congress does not define late payments. XXXX has failed to provide me with validity on the alleged debt with the document showing the original creditors signature XXXX Has used deceitful and misleading tactics, such as a positive number in billing charges, when this should reflect negative figure. XXXX has done willful fraud with my open ended consumer plan by stating their corporation is the original creditor and collecting on an unvalidated debt. Below is a list of federal code violations 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit ( 7 ) Communicating with a consumer regarding a debt by post card. ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. 15 U.S. Code 1692h. Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Facts of the Matter : 15 U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ( b ) Terms of personal property leases The Congress also finds that there has been a recent trend toward leasing automobiles and other durable goods for consumer use as an alternative to installment credit sales and that these leases have been offered without adequate cost disclosures. It is the purpose of this subchapter to assure a meaningful disclosure of the terms of leases of personal property for personal, family, or household purposes so as to enable the lessee to compare more readily the various lease terms available to him, limit balloon payments in consumer leasing, enable 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Definitions 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term person means a natural person or an organization. ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. ( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract. ( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time. ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit. ( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person. ( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
06/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web	Servicemember
RE : Debt Validation request for Account # XXXX. Purported Creditor XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Dear XXXX XXXX, XXXX CC : Consumer Financial Protection Bureau, IL Attorney General, XXXX, Department of Justice XXXX This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to XXXX XXXX XXXX. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; provide me a proof of purchase of my debt, if any, as required under UCC 203 Art. 9 ; or explain based on which authority you can collect from me. Please provide me a copy of retainer and confirmation sale of my purported debt to Credit Control LLC by XXXX. Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. Please be further advised that I several times demanded XXXX to validate this debt due to my concerns of identity theft and unjust enrichment by XXXX which XXXX never responded. Based on recent report from the Senate, XXXX is engaged in the wide-crime spree which caused reasonable concerns how XXXX uses my personal information ; who collects the debt IF this debt exists. I also suspect that XXXX uses my identity to back their bogus derivatives/credit default swaps to obtain unjust enrichment in the amount of 15-20 times more that my debt. It is not a secret that Big Banks sell securitized borrowers personal information without borrowers knowledge and consent to receive enormous profits in average 12-15 times more than the amount XXXX PAYS to obtain an intangible license to sell derivatives masqueraded as a credit card debt. It creates a contract for SERVICES provided by ME to XXXX ( such as issue a Promissory Note ) which XXXX used in their securitization scheme where I am entitled for royalties from all trades as Quantum Meruit. Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy certificates backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment. Please explain based on which evidence you concluded that I owe anything to XXXX and not XXXX owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need without fair compensation. Based on my estimate, XXXX received at least {$72000.00} revenue ( {$6000.00} x 12 ) by selling my securitized data to investors who are NOT my creditors ; while only retuned me {$6000.00} as a one-time payment for issuing a Promissory Note based on which XXXX sells their derivatives and other unregulated securities. Which XXXX expects me to return them with interest. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$14000.00} XXXX minus {$5400.00} would be {$8900.00} owed to me by XXXX XXXX XXXX XXXX. Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX in accordance with GAAP. Was it placed as a receivable to XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on XXXX balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the XXXX balance sheets? Is this new ASSET came from me, as a borrower, thus XXXX owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note XXXX application to buy a credit card ) recorded by XXXX. Please state if my promissory Note was securitized and sold to investors for cash and how much profits XXXX received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits. XXXX got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in XXXX bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once XXXX provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX XXXX this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
06/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 606XX	Web	Servicemember
RE : Debt Validation request for Account # XXXX. XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) account # XXXX Dear XXXX XXXX, ( CC : Consumer Financial Protection Bureau, IL Attorney General, XXXX, Department of Justice ) This letter is being sent to you in response to your XX/XX/2020 Debt Collection attempt on the debt I purportedly owe to XXXX XXXX XXXX. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; provide me a proof of purchase of my debt, if any, as required under UCC 203 Art. 9 ; or explain based on which authority you can collect from me. Please provide me a copy of retainer and confirmation sale of my purported debt to Credit Control LLC by XXXX. Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent. Please be further advised that I several times demanded XXXX to validate this debt due to my concerns of identity theft and unjust enrichment by XXXX which XXXX never responded. Based on recent report from the Senate, XXXX is engaged in the wide-crime spree which caused reasonable concerns how XXXX uses my personal information ; who collects the debt IF this debt exists. I also suspect that XXXX uses my identity to back their bogus derivatives/credit default swaps to obtain unjust enrichment in the amount of 15-20 times more that my debt. It is not a secret that Big Banks sell securitized borrowers personal information without borrowers knowledge and consent to receive enormous profits in average 12-15 times more than the amount XXXX PAYS to obtain an intangible license to sell derivatives masqueraded as a credit card debt. It creates a contract for SERVICES provided by ME to XXXX ( such as issue a Promissory Note ) which XXXX used in their securitization scheme where I am entitled for royalties from all trades as Quantum Meruit. Please note that only a creditor or a lawful assignee of the creditor can collect a debt. The creditor is by definition the party who claims to own the debt. If they own the debt then they are reporting the debt as an asset receivable on their accounting records. Since investors do NOT buy debts, but merely buy certificates backed by information about the debt, there is no party anywhere that is a creditor. If there is no creditor, there can be no debt, because there is nobody entitled to receive payment. Please explain based on which evidence you concluded that I owe anything to XXXX and not XXXX owes to me a part of profits they received from trading my personal data on the open market without my knowledge and consent, no need without fair compensation. Based on my estimate, XXXX received at least {$18000.00} revenue ( {$1500.00} x 12 ) by selling my securitized data to investors who are NOT my creditors ; while only retuned me {$1500.00} as a one-time payment for issuing a Promissory Note based on which XXXX sells their derivatives and other unregulated securities, which XXXX expects me to return them with interest. Please be informed that I demand royalties, no less than 20 %, from ALL sales of profits from securities backed by my name and signature, no less than {$3600.00} ( minus {$1200.00} would be {$2300.00} owed to me by XXXX XXXX XXXX ). Please provide me evidence if my Promissory Note as Appeared on the Application for the Credit was processed by XXXX in accordance with GAAP. Was it placed as a receivable to XXXX account to generate profits? If yes, please state how much profits were generated by using my signature on the Application as an ASSET on XXXX balance sheets. Please explain me how the cash earlier credited is now deposited. Is this a debit to cash and a credit to a bank liability like a checking account or demand deposit account or savings account. Is it treated as a new ASSET on the XXXX balance sheets? Is this new ASSET came from me, as a borrower, thus XXXX owes me a liability related to this new asset? Please provide me the proof where was my Promissory Note ( application to buy a credit card ) recorded by XXXX. Please state if my promissory Note was securitized and sold to investors for cash and how much profits XXXX received by trading on my name, signature and reputation on the open markets. Please send me a document where it said that I allowed XXXX to use my name, signature and reputation to trade on the open market as a security to generate profits. XXXX got my Promissory Note/Application for Credit for free and I suspect that is was used as an asset to generate massive profits by trading on my name, which equates to identity theft ; swindling and counterfeiting. I respectfully request to validate for me this debt and provide me adequate assurance that my promissory Note was properly recorded in XXXX bookkeeping ; disclose if my application was used as a guarantee for any trades ; the amount of profits received from trades ; and a copy of the document where these transactions were explained to me and I gave my permission to these trades. Once XXXX provide me a full validation of Debt and Adequate Assurance, I will send you the next payment. This is not a refusal to pay but the request to validate the Debt At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
11/06/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 305XX	Web
Brief Synopsis : 1 : Sometime in XXXX, XXXX XXXX allegedly became the assignee of a disputed debt ; however, they refused to provide any proof of this debt or that they were, in fact, a legitimate assignee then and still refuses to provide such information, despite my requests pursuant to the Fair Debt Collection Practices Act. 2 : I was never initially notified by XXXX XXXX that they had acquired the alleged debt until receiving court documents from the Law Offices of XXXX XXXX. I filed a detailed and timely Answer and Defenses in response to their action. My response, in XXXX, clearly stated " Defendant has a reasonable belief that the Plaintiff is not a true Assignee and lacks standing to bring this action. Defendant demands strict proof of the alleged Assignment. '' Proof was never provided by XXXX XXXX or XXXX XXXX attorneys. 3. XXXX Funding/Law Offices of XXXX XXXX obtained a judgment at a trial date at which I could not attend, as the court hearing notice got lost in mail and was never received. I immediately filed a Motion to Vacate that Judgment, had a hearing date set and attended. Despite the uncontested evidence that I had not received the notice of trial, the Court refused to vacate the improper judgment. In XX/XX/XXXX, after the judge would not over turn his decision on the default judgment, the attorney with the Law Offices of XXXX XXXX, was to discuss with his client on proposing a settlement amount. He never got back with me. 4 : On XX/XX/XXXX when I inquired about trying to settle the alleged debt, a representative from the Law Offices of XXXX XXXX stated this matter was closed in their offices and referred me to XXXX XXXX XXXX. This was the first time I have heard of XXXX XXXX XXXX. 5. After calling XXXX XXXX XXXX to get the information on whom I needed to speak with regarding the XXXX Funding debt, they notified me that they had two debts listed in my name with the " owner '' being XXXX XXXX, one for XXXX XXXX and the other for XXXX XXXX, assignee of XXXX XXXX/XXXX XXXX. Just as in the XXXX Funding case, I had never received any notice from XXXX XXXX that it now also owned the XXXX debt. It appears that XXXX does and/or did not send notice ( s ) when it purchased this account as they have claimed they did so in the past. I had received all of the previous other collection agency notices regarding the disputed debts with both XXXX and XXXX/XXXX XXXX, which were both properly and timely disputed. In fact, I have an email from XXXX where XXXX was notified about the disputed charges with XXXX XXXX and requested to cease the 3 to 4 times a day harassing phone calls. Again, I received communications from that collection agency but no notices from XXXX, XXXX XXXX XXXX, The XXXX. XXXX XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX regarding that disputed debt. This failure to provide written notices and documents seems to be a common practice for XXXX and its legal representatives. 6 : XXXX XXXX XXXX had referred me to The XXXX XXXX XXXX XXXX who advised that they were now the firm handling the XXXX/XXXX XXXX debt, not the Law Offices of XXXX XXXX. 7 : Regardless of the lack of previous written notifications, XXXX XXXX XXXX was put on verbal notice that the XXXX debt had been disputed repeatedly ; I explained to them why it had been disputed in the past and requested all the documentation proving that debt, and explanations on being billed for full monthly payments for both DSL and a Phone Line when all I had was a phone line for 3 months. The lady at XXXX XXXX XXXX said I would receive a " packet '' in the mail in about 30 days with all that information. I received a letter from XXXX XXXX XXXX on XX/XX/XXXX stating " enclosed was an account summary which provides verification of debt. '' Clearly, this was not what I had requested. Due to their failure to properly respond, XXXX XXXX XXXX was mailed a Fair Debt Collection Practices Act Request Letter. ( See attachment Jlamb Letter to XXXX _XX/XX/XXXX ). That letter was received by someone at XXXX XXXX on XXXX and a copy was also emailed to the office of XXXX. XXXX XXXX XXXX failed to respond to the FDCPA Request letter with documents evidencing that XXXX XXXX is the true and valid assignee of the alleged XXXX Debt they " acquired ''. 8 : Furthermore, regarding the alleged debt in judgment mentioned above in # 3, both XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX, were sent FDCPA Document Verification Request letters on XX/XX/XXXX ( file attached " jlamb to XXXX XXXX XXXX '' ) requesting documents and specifically a copy of judgment that XXXX and/or now XXXX XXXX XXXX holds on the debt. Both parties received that letter on XX/XX/XXXX. Both XXXX XXXX XXXX and XXXX XXXX. XXXX XXXX failed to respond to that letter in any manner, either orally or in writing. It is clear and indisputable that there have been repeated FDCPA violations, as follows : 1 : I never received notice of assignment on either the XXXX Debt or the XXXX XXXX debt that XXXX XXXX claims to have acquired. FDCPA # 1 violation by XXXX XXXX XXXX on 2 accounts 2 : My XX/XX/XXXX letter to XXXX XXXX XXXX, a debt verification letter, was sent within the allotted 30-day time frame of receiving their letter dated XX/XX/XXXX, and there has been no response. FDCPA violation # 2 of XXXX XXXX XXXX 3 : The Consumer Finance ( cfpb ) also states that " A debt collector must tell you the name of the creditor, the amount owed, and that you can dispute the debt or seek verification of the debt. Any debt collector who contacts you claiming you owe on a debt is required by law to tell you certain information about the debt. '' a XXXX XXXX XXXX. XXXX XXXX and XXXX XXXX XXXX were and are attempting to collect the XXXX debt/ judgment. Those are both debt collectors and subject to the FDCPA. b ) Both XXXX. XXXX XXXX and XXXX XXXX XXXX were sent letters on XX/XX/XXXX requesting proof of ownership, as well as, a copy of the judgment and both failed to respond. FDCPA violation # 3 by both parties In conclusion, all parties involved with email contacts were contacted on XX/XX/XXXX and notified about the repeated FDCPA violations. I have made numerous good faith efforts to resolve these alleged debts, and suggested at this time that both the XXXX disputed debt and the disputed XXXX XXXX judgment be " satisfied ''. I requested that any one of the many parties involved to please advise within 7 calendar days of the response to my settlement proposal. The 7 calendar days have expired, and I did not receive a response from any of the 3 parties involved, orally or in writing. They were put on notice that I would be filing this complaint if I did not hear back on an agreement or offer to resolve the disputed debts. More recently, on XX/XX/XXXX, I received a letter from Credit Control ( see attached Credit Control_XXXX Letter XXXX ) advising they are now handing the XXXX debt for XXXX XXXX. The recent transfer of this alleged debt is merely a blatant attempt by XXXX/XXXX to avoid their repeated FDCPA violations after receipt of my email communication to XXXX XXXX on XXXX XXXX Credit Control is now also in violation of the FDCPA in their attempts to collect a debt on which the statute of limitations has, by their own admission, has expired, and this letter is nothing but further wrongful harassment by XXXX and their 3rd party collection agencies.
09/18/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 214XX	Web	Servicemember
My overall complaint with this company is that I held up my end of the agreement with Credit Control , LLC. and ultimately they are holding me responsible for their actions, ones which are out of my control. In short, I made payment arrangements to pay {$1700.00}, in XXXX payments, by XXXX. I made the XXXX payment of {$590.00} on XX/XX/XXXX via telephone. The next payment was due XX/XX/XXXX. Not knowing whether I had set up an automatic payment or not, I contacted Credit Control LLC PRIOR to the first payment date, on XX/XX/XXXX. I was told that I had not set up automatic drafts. I inquired whether my payment arrangement required the periodic payments or whether I would be able to pay varied amounts at varied times as long as I paid in full before the final date in XXXX. I was told that as long as I pay in full by the final date in XXXX, my payment arrangements remain in good standing. As the XXXX date approached, I wasn't aware of the exact date but knew is was somewhere around the second week of XXXX. On XX/XX/XXXX I contacted Credit Control LLC to find out the final payoff date, to express my intentions to resolve the debt by that date, and to confirm that I was still in good standing with my payment arrangements. Again, I was told that my payment arrangements were in tact as long as I made the final payment by XX/XX/XXXX. XX/XX/XXXX arrives, which is a Sunday, and Credit Control LLC is not in operation doing business that day. I spoke with Credit Control LLC the following day attempted to pay the debt off in full to which I was told I had broken the agreement and in order to pay it off I would have to pay an additional ~ {$400.00}. I questioned why I was being held responsible for breaking the agreement when they were not even open and available to accept the payment. I let them know that the request for additional money seemed quite unreasonable, especially since I was attempting to pay the debt in full as per our agreement at this point not even a full 24 hours had passed beyond the scheduled payment date. After speaking with XXXX the situation was escalated to his manager, XXXX XXXX. XXXX said she would research the call history and see if I had called in ( as outlined above ), whether I had been told I could make the payment on XX/XX/XXXX, and to make a determination on whether I could pay the debt off in full as arrangement. She said I would be her first call on XX/XX/XXXX. On XX/XX/XXXX at XXXX XXXX I called to speak with XXXX or XXXX who were not available. At XXXX XXXX called me back and read an update in the system that stated the payment arrangements were broken on XX/XX/XXXX. I let XXXX know that appeared to be the update from the previous day and told him what XXXX was researching to get back to me with a final determination. He said XXXX wasn't available and asked me to call back in thirty minutes. I called back in thirty minutes and XXXX and XXXX were at lunch. I called back at XXXX and spoke with XXXX who said XXXX was gone for the day, having left at XXXX. XXXX said he would give me a call back by XXXX on XX/XX/XXXX. On XX/XX/XXXX I called and spoke with XXXX between XXXX. XXXX said XXXX had called me around XXXX. I reviewed my call log and saw that XXXX had called from an unknown number and the call was not answered. I left another message for her to please return my call, stating that I would be on the lookout for unknown or unfamiliar numbers. On XX/XX/XXXX at XXXX I called back again and spoke with XXXX to state that I had not heard from XXXX XXXX He said XXXX and XXXX were not available and he would have XXXX call me back from a XXXX or XXXX area code. XXXX called later that day and stated she did confirm that I had called in each time as I stated and that I was told to pay my bill on or before XX/XX/XXXX ; but, she refused to honor the agreement even though they were not open and available to do business on XX/XX/XXXX. I let her know that it seemed unreasonable and that I felt this was unfair debt collection practices since they are holding me responsible for not paying a bill when they werent even open AND I attempted to pay the bill on XX/XX/XXXX which was the next available opportunity to do so. I called back on XX/XX/XXXX to find out how I could lodge a complaint with the original creditor ( Sears/Citibank ) and I was told that they could fill out a form on my behalf and forward it to XXXX. I stated that didnt make much sense for the people I am complaining about to make a complaint on my behalf and accepted the toll-free number they provided for XXXX. I next asked the process to lodge a complaint directly with Credit Control LLC and was told that I could speak with XXXX XXXX, the General Manager, and highest management available to speak with about concerns. Again, I told her that it wouldnt make much sense for me to lodge a complaint with XXXX XXXX since she is XXXX of the people I was complaining about. We ended the call and I proceeded to contact XXXX. While on the phone with XXXX, I received a call from Credit Control , LLC and the XXXX representative was nice enough to hold to see if we could come to a resolution. The call was from XXXX XXXX and she stated she was in management and was trying to see if she could assist with my complaint. After rehashing the entire issue, she too stated that I had broken the agreement by not paying on XX/XX/XXXX. Then she proceeds to tell me that I had actually broken the agreement on XX/XX/XXXX when I did not make the payment schedule for that day. I asked her how that was possible for two reasons : # 1 I contacted their office on XX/XX/XXXX, prior to the payment date, and was told I did not have to make the payment as scheduled as long as I made the payoff by in full by the closing date. # 2 If I had broken the agreement on XX/XX/XXXX then why was I able to speak with a representative on XX/XX/XXXX who informed me that my payment arrangements were in good standing and I had until on or before XX/XX/XXXX if in fact they were actually broken on XX/XX/XXXX. Again, I protested how am I being held responsible for breaking the payment agreement when I have contacted Credit Control LLC each month to confirm that I am good standing and proceeding appropriately. This is why I have lodged this complaint because I feel these are unfair and deceptive debt collection practices.
02/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89148	Web	Servicemember
XXXX XX/XX/XXXX Credit Control Attention : XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX ( Collection XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Credit Control ) XXXX XXXX XXXX XXXX Original Account Number? ) Subject : XXXX XXXX XXXX XXXX Charged Off Go Rewards Account Debt Validation Letter Follow Up Dear XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX, This letter is in response to your letter dated XX/XX/XXXX. Secondly, it is in response to my most recent conversation with XXXX XXXX, on the XXXX of XX/XX/XXXX. In my letter dated the XXXX of XX/XX/XXXX, I disputed the alleged debt of {$8100.00} that you are attempting to collect. Additionally, I requested verification of the alleged debt, pursuant to my rights under the FDCPA. I am within my rights of requesting a verification request under the FDCPA. I requested a copy of the account history in total including, a copy of the signed contract. I requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to any consumer reporting agency. Furthermore, I requested a returned signature on the letter I submitted negotiating Pay to Delete should the account be actually mine. I requested a statement, outlining the one time payment due, in order to reconcile the account, in order to close this matter permanently with Credit Control XXXX XXXX XXXX XXXX XXXX. It has not been received to date. I requested that you delete any and all reporting made to any consumer credit reporting agency. At this time, I am requesting you communicate to XXXX XXXX XXXX XXXX to consider entering into contract along with your company a Pay to Delete contract for the one time payment of {$3200.00} only, if the account is validated and accurate. A clear failure to address my very specific previous legal requests were not honored therefore, it appears a clear violation of the FDCPA has taken place. RE : Alleged ( XXXX XXXX XXXX XXXX ) Alleged Original Credit Account Number ( xxxx xxxx xxxx XXXX? ) Debt XXXX Account Number ( XXXX ) Alleged Debt Amount on Balance ( {$8100.00} ) Firstly, it appears that you failed to obtain, provide, and forward a verification of the alleged debt by not mailing me a singed contract, including proof of ID. Instead of sending me a contract or agreement signed by all parties involved as requested, you mailed me a letter on your letter head, and included account statements for XX/XX/XXXX, XX/XX/XXXX, and lastly XX/XX/XXXX. Please note, these statements dont even show transactions associated with the account in question. Why? I request every transaction on this account from the time it was opened until it was closed. This is not a contract or agreement. In my opinion your company was not responsive to my verification request. Under the FDCPA, it is unfair and even unconscionable, to attempt to collect an alleged debt in any amount that is not expressly authorized, by an agreement creating the debt or permitted by law. Also, my personal information was disclosed without my expressed written and/or verbal consent, or knowledge to a third party. Secondly, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. XXXX XXXX XXXX XXXX also failed in this manner. Under the FDCPA, it is false, deceptive, and misleading representations or means in connection with the collection of any debt to communicate to any person, including to any credit reporting agency, credit information that is know or which should be known to be false. Thirdly, due to the previously stated, XXXX XXXX XXXX XXXX XXXX Credit Control have caused me a significant amount of stress, emotional instability, and financial hardship. I am requesting you once again verify this debt in its entirety. I want to see my signature. I need it because I know its a forgery. Lastly, I have reason to believe this account was opened by my father, under false pretense. I pursued a guardianship based on medical direction, from my fathers psychiatrist. The guardianship was approved however, a year later it was transferred to a court appointed professional guardian. Her name is XXXX XXXX. I had no choice. It was to much for me and my health. My father was caught using, impersonating and forging my name, social security number, birthdate, and other personal information, to shift monies from the guardianship account, to other unknown accounts, that I was not aware of nor could locate. Please note, its not the first time. A significant history has been established of this behavior prior to the guardianship. A few years after the transfer, the guardianship was lifted. XXXX XXXX and her accomplices were found guilty of a multitude of crimes. The estates of her Wards were liquidated and stolen, out of pure greed. My father being one of many victims. My father blamed me for what had happened. Everything he worked for, gone. We have not been able to recover any of his belongings. It appears he was retaliating against me based on what happened and more importantly, what he lost. A lifetimes worth of work, lost forever. Enclosed is a copy of XXXX XXXX old business card, and an article relating to what I have communicated to you. I included a copy of two state officials who spoke to me on numerous occasions, after my father maliciously accused me of elder abuse and fraud. Its another reason why the guardianship was transferred however, and more importantly, it was in my fathers best interest, due to his illnesses. I included a copy of the Indictment where my father is referenced on page XXXX. Finally, I included a copy of my fathers death certificate. P.S. Its in XXXX XXXX XXXX XXXX best interest, as well as Credit Control to remove this account in its entirety off my credit report, from all three credit reporting agencies. If you continue to pursue me for this debt, I will address my concerns with those involved with my fathers Guardianship case. I will request it be investigated. Very Respectfully, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via XXXX XXXX
07/04/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 159XX	Web
This is a new CFPB complaint that is a continuation to a previous complaint against XXXX XXXX XXXX XXXX XXXX I reported in XX/XX/XXXX. The previous CFPB case number is XXXX. I received a new debt validation letter from Credit Control LLC, collecting for XXXX, on XX/XX/XXXX. XXXX has sent a new collection company after me in complete disregard to their FDCPA violations I reported in XXXX. To summarize the XXXX complaint : I had a standing agreement with XXXXXXXX XXXX XXXX XXXX XXXX to not call me on the phone, and to put all their communication with me in writing. This is not a gimmick Im using to slow down any creditors! Its just for my own safety, because Ive had some BAD past experiences with trying to have legal/financial conversations on the phone where the other person just denies everything later! In XXXX, XXXX / XXXX did something very strange ( and very illegal ) with the debt account they own. They took it out of their system for a few weeks on XXXX website, and then put it back in their system with a new account number and immediately started calling me again. They violated my request to only contact me in writing, which is prohibited under FDCPA law 15 USC 1692c. I scanned the original letter I received from XXXX compliance department in XXXX saying they would only contact me in writing on the complaint as proof. Im going to tell you the same thing Im telling all of my creditors right now : Ill pay you what I can reasonably afford, but IM NOT PAYING YOU ANYTHING ONCE YOU VIOLATE MY CONSUMER RIGHTS! I have to protect myself from you SOMEHOW! By demanding me to pay this XXXX account NOW, youre perpetuating the FDCPA violations Ive already reported against you! My financial and mental resources are stretched urgently thin this month ( XXXX ) because another creditor, XXXX, decided they want to randomly sue me into bankruptcy for no reason, without even trying to warn me first. And the lawsuit itself MIGHT be a criminal action, because I HIGHLY suspect XXXX might be related to the anonymous Identity Theft troll Ive been victimized by for the past six months! Maybe it was a bank opening up bogus accounts in my name to verify my address? Just to see how long it will take me to catch the accounts and close them? I dont know whats going on, but it strikes me as more than just a tiny coincidence when you look at XXXX timing and their adversarial attitude. Now XXXX wants to play abusive bully games with me too. I was also suspecting XXXX is illicitly communicating with XXXX to help XXXX get around their phone call violations, and this new XX/XX/XXXX letter from Credit Control LLC XXXX XXXX has only strengthened those suspicions. The entire Identity Theft issue has been reported to the local police, and XXXX XXXX XXXX office ( they own one of my other defaulted accounts ) is currently doing an investigation on their side to see if they can help me. If XXXX DOESNT decide Wait, this was a mistake. This isnt the right time or the right way to do this and they DONT withdraw their suit within the next 20 days, then I need to save every resource I have to find a lawyer to argue in court for me, and possibly file counter-suit against XXXX. Otherwise, Ill just be pleading my situation to XXXX XXXX by myself on XX/XX/XXXX! Im extremely terrified and extremely angry at the same time! Im going to make this point clear again : Any financial judgment against me is going to result in this : ALL debt payments stop to ALL creditors IMMEDIATELY. Even my open revolving ones. Ill keep my car loan current for the next several months, and once I have enough saved up for a bankruptcy attorney, Im filing for bankruptcy! THATS THE ONLY OPTION YOURE FORCING ME INTO if we continue down this path! One : Im already insolvent about four-to-one to begin with. Two : I am NOT going to live with a bank having a judgment against me as their legitimate cover to go diving into my checking account whenever they want, when I have reason to suspect the same bank or group of banks may have been frauding me with the Identity Theft to begin with! Yes, Im in debt. I understand that. If you ever sat down and read my entire insane family situation, youd understand its not 100 % my debt. But even disregarding that, Im still a human being whos supposed to have some legal rights in the debt collection process! For starters, why is it so hard to contact someone in writing when they ask you to PLEASE ONLY CONTACT THEM IN WRITING? My income is {$2500.00} per month. I only have a few hundred dollars of wiggle room every month for ALL extra expenses, and soon Im going to have to start paying student loans again. My only big assets are my XXXX car that is financed until XXXX and my 401 ( k ) that is sealed away until the 2050s. Bullying and threatening isnt helping you when I have nothing left to give you! Unless youd like to force me into filing for bankruptcy first thing in XXXX, Im asking you and your associates to LEAVE ME ALONE!
02/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 10028	Web
I had a credit line with XXXX XXXX XXXX ( XXXX XXXX XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( XXXX XXXX XXXX ) which forced the debt to go into collection and later on sold to XXXX XXXX XXXX - XXXX XXXX XXXX. XXXX XXXX has reached a settlement a agreement with XXXX and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted XXXX and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of XXXX. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. XX/XX/XXXX A settlement was agreed to with Credit Control ( collect company working on XXXX XXXX behalf ). XX/XX/XXXX First payment of {$26.00} was sent via direct pay ( Bank transfer ) to Credit Control Cleared to their account on XX/XX/XXXX XX/XX/XXXX Second payment of {$260.00} was sent via direct pay ( Bank transfer ) to Credit Control Cleared to their account on XX/XX/XXXX XX/XX/XXXX We received notification that the account was placed with a new collect company XXXX XXXX XXXX XXXX emailed Credit Control to confirm that the file was no longer in the offices, advised that the account was remove from their office, they informed us that on XX/XX/XXXX Credit Controls payment team sent the collected money to XXXX. We emailed XXXX to confirm they had received the funds collect by credit control. XXXX confirmed the payment of {$26.00} was received and the XXXX payment was likely in transit. We were told that we could remit the final payment to XXXX XXXX XXXX and get the account closed out once all payments had been received XXXX XXXX XXXX Sent final payment of {$260.00} to Resurgent capital to complete agreement via direct pay ( Bank Transfer ) - Cleared to their account on XX/XX/XXXX XX/XX/XXXX Received an Email from XXXX stated that once the payment reflects in their system the file will be settled in full and closed, It should show tomorrow. XX/XX/XXXX Resent all supporting documents to XXXX Capital of the payments made. XX/XX/XXXX Emailed XXXX to address account again, submitted all supporting documents of the three payments made. XX/XX/XXXX XXXX XXXX Compliance officer sent email to Credit Control requesting the account be updated, supplied supporting documents. Emailed for follow up with XXXX Received response from XXXX that they are still missing the XXXX payment of {$260.00} XX/XX/XXXX Emailed XXXX for update on account Stated they were still missing the 1 payment of {$260.00}. Explained situation again XXXX stated they would reach out to credit control directly. Received a response from XXXX that Credit Control stated they never received the {$260.00} payment Submitted proof from the bank again that the funds were direct transferred to Credit control Emailed Credit Control explained situation and provided all supporting documents XX/XX/XXXX Received response from Credit Control. Waiting on approval from the client to move the payment since its older than 30 days,. They will keep us updated In that email Credit Control confirmed that they did receive the payment. Emailed XXXX advising that Credit Control confirmed they had received the funds and that they were waiting on approval to have it moved. Received response from XXXX that the account would be updated once the payment was forwarded to them. XX/XX/XXXX Emailed XXXX for update Emailed Credit control for update XX/XX/XXXX Emailed Credit control for update Emailed resurgent for update Spoke with client in detail about account and situation
10/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	VA 22312	Web	Older American, Servicemember
XX/XX/XXXX : Call received from Credit Control , LLC ( XXXX XXXX at XXXX XXXX Call was blocked. XX/XX/XXXX : Received Debt Collection Letter from Credit Control , LLC. I called Credit Control , LLC and spoke to a XXXX and tried to convince her that it was not my debt ( they had the wrong person ). XXXX asked if my birth month was XXXX ( its not ) and I replied that it wasnt even close. Aide then said they would remove my name from the debt and abruptly hung up. I called back several times to try to confirm that they were indeed going to remove my name from the debt action. I could not get confirmation. XX/XX/XXXX : I spoke with my attorney at XXXX XXXX, XXXX and he advised me to send a Debt Validation request letter to Credit Control , LLC. I sent the letter on XX/XX/XXXX to Credit Control , LLC ; XXXX XXXX XXXX, XXXX, MO XXXX and included their Debt Letter Reference # : XXXX. I indicated that I disputed the debt ( returned the response slip provided in the XXXX XXXX XXXX ) and asked for debt validation. The debt is for {$690.00} and the original creditor was XXXX XXXX XXXX, XXXX. XX/XX/XXXX : I received two letters ( dated XX/XX/XXXX ) from XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, MI XXXX. The first letter basically said they are looking into my inquiry. The actual text stated : XXXX XXXX XXXX XXXX manages the above referenced account for XXXX XXXX XXXX and has initiated a review of the inquiry recently received either directly or from Credit Control LLC, the current servicer of this account. They included an Account XXXX : XXXX and a Reference ID : XXXX. The second letter basically said they were verifying the debt with the enclosed information. The actual text stated : We have received a recent inquiry regarding the above-referenced account and have enclosed the account summary which provides verification of debt. The enclosed account summary included a credit card statement from late XXXX and was addressed to an individual with the same name as mine, but with a different address than mine. I have lived at my current address since XXXX way before the account initiation of XXXX. Additionally, I always use my middle initial on all formal documents I sign. Bottom line : The debt verification response identified that a debt existed, but not that I am the responsible for the debt. Its unfortunate that the debt verification did not include more specific identifying information such as Date of Birth ( DOB ), individuals Middle Initial, and the last 4 digits of the Social Security Number ( SSN ) of the person they say is responsible for the debt. In fact, based on what they did provide, the information supports my contention that I am not responsible for the debt, because I never lived at the address contained on the credit card statement. So, it appears that XXXX XXXX XXXX performed an incomplete due diligence of the debt action, or they have additional information they are not providing ( as requested in my Debt Validation Letter ). XX/XX/XXXX : A letter was sent to XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX from my attorney at XXXX XXXX XXXX XXXX. again disputing the debt, requesting debt validation and any information they have that indicates whether or not I am responsible for the debt. This letter also enclosed a Name XXXX signed by me, that I am not the XXXX XXXX named as the Accountholder of Account Number XXXX. This Name XXXX was notarized and sent with the letter. XX/XX/XXXX : My attorney at XXXX XXXX, XXXX. received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. This letter again stated the enclosed account summary provided verification of the debt. Unfortunately, the enclosures were virtually identical to the correspondence received from XXXX XXXX XXXX XXXX that was dated XX/XX/XXXX. Nothing new or definitive was provided. XX/XX/XXXX : As of this date, I can not tell if XXXX XXXX XXXX XXXX still believes I am responsible for the debt. Their information provided certainly doesnt demonstrate that fact, and I know that is not my debt.
04/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94115	Web	Servicemember
In XX/XX/2019, victim went to the XXXXXXXX XXXX store in XXXX XXXX, CA, to check on her account because she had not received a statement. She made a payment of {$100.00} and was informed that her balance was for almost {$2000.00}. She disputed the amount and was told that the account would be closed and a new credit card issued. Further inquiries revealed that the charges were for a pair of shoes valued at {$900.00} and for sunglasses valued at {$300.00}. None of these charged were authorized by the victim. A new cad was received, a special password for purchases was created, and all credit reporting bureaus were notified. XXXX XXXX was also asked for copies of the purchases. No reply was ever received. In the same month, victim received notification from XXXX XXXX that someone using her name and SSN had submitted a credit card application. Victim reported this was not her application. In the same month, victim received notification from XXXX Bank in XXXX, FL, of another credit application, which had been denied because of unverifiable information. Same month, another notification was received, this time from XXXX XXXX in XXXX, KY, reporting the opening of an account in her name. Victim informed XXXX of her stolen ID. In XX/XX/2019, XXXX Bank informed victim that someone using her name and information had submitted a credit application for an XXXX XXXX card. This was again reported as fraud. In same month, victim received a letter from XXXX XXXX XXXX XXXX in XXXX XXXX, SD, reporting a credit application under her name. Again, this was reported as stolen ID. Same month, victim received information that a new account had been opened under her name with XXXX XXXX in XXXX, UT, in the amount of {$1800.00}. This was immediately disputed, and a request was made for a copy of the credit application. In XX/XX/2019, a person identified as XXXX XXXX deposited {$1100.00} to the victim 's XXXX Bank account, allegedly as " rent payment ''. Victim owns no rental property. A few days later, an unidentified person withdrew {$200.00} from her bank account, listing a phony account number. There were further attempts to impact the victim 's bank account, so victim closed her account. All these events were reported to the nearest XXXX XXXX Police Department station, where she was given report number XXXX. Notwithstanding all these events, which were reported to the XXXX 's " Fraud Investigation Department '', the said department replied with a form letter, informing victim that " their investigation '' had failed to clear her of the unauthorized charges, and demanded payments, which they have continued to do so through various collection agencies. Documentation regarding the above-listed cases of identity theft were provided to the so-called " Fraud Investigation Department, '' to no avail. Her credit was damaged, reported as out for collection, and repeated requests for PROOF of her making these unauthorized purchases have met with intransigent denial and refusal, always responding with form letters insisting that she is responsible for the unauthorized charges. The collection agencies have been repeatedly asked for proof and asked to cease and desist from further communications, again, to no avail. If there is fault to be assigned, the XXXXXXXX XXXX " Fraud Investigation '' incompetents are to blame, as they have not performed their duties appropriately and have failed to provide proof of the victim 's culpability. I would like to have this matter resolved before I need to contact an attorney, at my expense, to resolve the matter, and to assign compensatory damages to XXXX 's. Thank you for your assistance with this vexing matter. Just noticed a request to submit attachments. The files I have are too many to upload, but can submit them via mail.
03/07/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77095	Web	Servicemember
I previously filed a complaint against Credit Control for sending threatening letters for an almost 8 year old account that I have now asked them 3 times to CEASE AND DESIST. Credit control answers on XX/XX/XXXX that they will NOT continue collection efforts and will not continue to contact me. I received a letter on XX/XX/XXXX from Credit Control trying to contact me about the SAME account I told them to Cease and Desist on at least 2 times prior!!!! They sent this letter out AFTER responding in writing that they would stop contacting me. This is my THIRD time asking them to STOP! This may even be my fourth time asking, but I know of three dates so far for sure that I have asked them to cease and desist. I have never had a debt collector violate the FDCPA like this ... its crazy. I am attaching the most recent letter, to show it is dated after they responded on XX/XX/XXXX, that they will not contact me anymore. They even acknowledged in their response that i have asked them to cease and desist, and they are aware that I have asked them to cease and desist, at least once. However, it has been 3 times now that I have asked them to cease and desist. Im attaching a PDF of them promising they will not contact me anymore. Here is a previous complaint for reference : " I told Credit Control , LLC by phone ( on a recorded line ) in XXXX of XXXX, to stop contacting me regarding an account for a debt that is older than 7 years old ( date of delinquency being over 7 years old ). When they first started reached to me in XXXX of XXXX, I asked them to cease and desist upon first contact. They told me they would not contact me anymore about this. They sent me another letter on XX/XX/XXXX asking me to pay or settle the same debt, which I have already told them to cease and desist on. I called them again today to confirm this is the same account that I have asked them to cease and desist on already, and when I told the representative to confirm the date of delinquency so I could get it confirmed on a recorded line again, he said their office " may not have that information ''. I have never heard of a debt collector not having basic information, such as date of delinquency. I finally got him to confirm that the charge off date was on XX/XX/XXXX. After he told me that, I told him that I have already asked them to stop contacting me about this account. After I told them that I have requested that they cease and desist on this account already, he asked me " We just want to know what you want to do with this debt '' I told him I have two answers ; 1. after I request that they cease and desist, they have no right to keep asking me about the debt, or what I am " doing with it '' and 2. I asked them YEARS ago for a breakdown of charges to see what this debt was for ( because I do not recognize it or know what its for, or if its even for a credit card ) to which I never received back in XXXX all the way up to now. I do not know why they are randomly reaching out 8 years later. My only communication with them since that debt passed the statute of limitations, has been to cease and desist. It also seemed like he was trying to get me to admit the debt AFTER i had asked him again to cease and desist, but I told him I still do not know what this debt is for, and again, I'm going to ask that they cease, and desist. I mentioned that I want them to cease and desist at the very beginning of the call. He should not have even continued speaking about it after that. I told him this is my second time asking them to cease and desist on a recorded line. He said he would put that in the system ( like the other representatives have told me they would do ) and I asked for his name in case my request continues to be ignored. ''
06/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ XXXXX	Web
On or about XX/XX/2021 I received a collection letter from Credit Control , LLC requesting that I pay {$2600.00} in what appears to be a credit card debt owed by someone that has the same first and last name as I do. I have never initiated, accrued, acquired, or owed this debt. I have never had any account, or affiliation, or debt owed to XXXX XXXXXXXX XXXX The following is a timeline on how I attempted to resolve this erroneous debt collection. 1 ). Call made to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX to ask why I am being billed for a debt that isn't mine. Associate stated that they could not give me any information due to my social security and date of birth not matching what is in their records. 2 ). Call made to XXXX XXXX XXXXXXXX XXXX Customer Service on XX/XX/2021 asked associate if there was any information about me having an account with them. After providing them with my date of birth, social security number, name and address, the associate stated that there is nothing on file matching that information. 3 ). On XX/XX/2021 I filed a fraud report with the Arizona State Attorney General Office and they submitted my report to Credit Control , LLC. 4 ). On XX/XX/2021 I received an e-mail response from the Arizona State Attorney General Office that had Credit Control , LLC 's response letter, debt validation documents, including past credit card statements attached. 5 ). I made a call to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX to speak with XXXX XXXX, Vice President of Operations. Call connected but no response on their end of the line. 6 ). Call made to XXXX Credit Control , LLC on XX/XX/2021 at XXXXXXXX XXXX I asked to speak with XXXX XXXX and the associate that I spoke with said that he does not speak to anyone on the phone. I asked to speak to XXXX XXXX with operations control and the associate attempted to transfer the call but was unable to because they were having connection issues and could not transfer the call. The associate asked for my phone number and the associate told me that XXXX XXXX would return my call within a few minutes. 7 ). Received a call from XXXX XXXX from Credit Control , LLC on XX/XX/2021 at XXXX XXXX He verified my personal information and stated that my social security number, date of birth and address do not match what is in their account records. He stated that he doesn't know exactly how this got attached to me, and that my name was probably skip traced and my mailing address came up. He apologized that this happened and Mr. XXXX said that they would get this fixed and have the delinquent account removed from my mailing address. 8 ). On XX/XX/2021 at XXXX p.m. I spoke with XXXX with the Arizona State Attorney General Office and he asked if I wanted to close this case since XXXX XXXX from Credit Control , LLC verbally stated that this debt collection would discontinue due to the alleged skip tracing error. I told XXXX that I wanted the case to remain open due to the fact that I have not received an official response in writing from Credit Control , LLC stating that I personally do not owe this debt. XXXX recommended that I file a claim with the FTC to further address this erroneous debt collection. 9 ). On XX/XX/2021 I received a letter from a different debt collector, XXXX XXXX XXXX asking for the payment of {$2600.00} which is the same account and dollar amount that Credit Control , LLC is attempting to collect on.
06/04/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 484XX	Web	Older American, Servicemember
XXXX in matter of account XXXX caused harm by violating Fair Debt Collection Practices and CFPB settlement agreement ( see below ) XXXX Did : Subjected this consumers to collections activity for accounts that were inaccurate, in amounts that were charge-off amount differently reported to reporting agency. Sold certain accounts to debt buyers of those inaccuracies, and fees and or interest after charge-off not owed by the consumer, or otherwise noncollectable. Submitted records requested from the collection agent to verify, and communicate directly with consumer to protect rights afforded under FDCP 1006.38 1006.34 and 1006.22. The original creditor taking on role as debt collector not license to act as such by responding for the debt collection agency interferes with rights and ability to challenge response with itemization and " Validation of Debt '' Validation information under ( c ) ( vi ) ( vii ) ( viii ) ( 3 ) Information about consumer protections and ( 4 ) Consumer-response information for consumer to respond including ( i ) Dispute prompts, The action of XXXX interfered with consumers ability under act to obtain timely validation from Debt collector not Creditor XXXX, as under Act a ) ( 5 ) Validation period XXXX sold and resold and confuse, failed to assure accurate reporting and amount of indebtedness because agencies Credit Control LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX all were whom XXXX resold the debt repeatedly and violated the agreement entered into in matter of Federal Debt Collection Practices Act ( FDCPA or the Act ) for alleged violations of 1692 of the Act. Anderman v. JP Morgan Chase Bank, Natl Assn, ( 11th Cir. Feb. 11, 2020 ). Credit ControlLLC mailed the XX/XX/XXXX collection letter without meeting the requirements where information was absent on the back even where in the letter it indicated it was " On reveres Side ''. The actions of XXXX XXXX to report to reporting agencies different amounts claimed owing then the communication with consumer constitute misleading, confusing, defraud and collect on inaccuracy ( s ) The XXXX for instance reflects {$4200.00} high balance reported XXXX XXXX, with credit limit of {$3900.00}, also last payment XX/XX/XXXX with charge -off date. The company XXXX can not charge interest and fess after Charge-off sold debt, where XXXX may already have 1099-C issuance relief, nonetheless the calculated amount for which XXXX reported to Debt Collector ( s ) of {$4200.00} include interest and fees after charge-off. XXXX also is in violation of : Chapter 358-C UNFAIR, DECEPTIVE OR UNREASONABLE COLLECTION PRACTICES Section 358-C:1 Lastly when XXXX was noticed to close the account during COVID XXXX error in the entered COVID relief agreement which consumer met the monthly agreement without exception. After six month XXXX cancelled the relief yet continued it for another XXXX account for which consumer pays {$88.00} without fail, being. XXXX account XXXX
06/13/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	FL 33024	Web
As per your response to my complaint date on XXXX,, you responded back on XXXX you stated there were no violations that took place, based on the attached invoice attached and demand for payment. You also claim the is no validity to my claims, please see all 14 violations found on your notice that you mailed to me. PLEASE SEE ATTACHED COLLECTIONS LETTER FROM YOUR COMPANY. 15 USC 1692 ( B ) ( 4 ) not communicate by post card ; 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692. ( C ) ( A ). Without prior consent a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Affiant never lived in this state. 15 USC 1692 ( D ) ( 2 ). The use of obscene or profane language or language that natural consequences of which is to abuse the hearer or reader. 15 USC 1692 G ( A ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing, the amount of the debt, the name of the creditor to whom the debt is owed. 15 USC 1692 ( E ) ( 1 ). A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that the debt collector is vouched for, bonded by 15 USC 1692 ( F ) ( 8 ) ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Based on this law I can collect these damages 15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} per violation.
08/09/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
I have a XXXX XXXX credit card. I fell behind on payments in XXXX of XXXX. The balance on the collections letter is XXXX. I missed XXXX, XXXX, XXXX yet made a payment in the amount of XXXX on XX/XX/XXXX despite being unable to work to Covid-19 since Mid XXXX. I made two more payments in the amounts of XXXX on XX/XX/XXXX and another in the amount of XXXX on XX/XX/XXXX. The letter asked that I pay XXXX before XX/XX/XXXX and then my account would be considered " resolved. '' I paid XXXX before XX/XX/XXXX! I spoke to a collections person explaining why I missed XXXX and then subsequently how Covid 19 rendered me unable to pay because we had no idea what was going to happen and were unable to work due to a shutdown of all work in my area of NY and pandemic unemployment insurance payments were being held up in NY. He wanted me to commit to making payments which I could not, because i was unaware of my financial situation due to Covid. I told him I would make the payment through the XXXX XXXX website when I could. Low and behold, I made all these payments and it was not reflecting these payments being made. In fact, it states that i have a balance of XXXX currently on the XXXX XXXX website despite having made these payments directly TO the XXXX XXXX website. The also imposed a XXXX late fee on XXXX XXXX payment though I had paid nearly all of the balance in XXXX. When I called the collections agency explaining the payments I had made, the jerk got on the phone again, he asked me how long I had been in business, to which I replied over 30 years. He congratulated me sarcastically and then asked why I had no money having been in business for so long! I reminded him we were not allowed to work. That this was a PANDEMIC. Absolutely unacceptable. I called him a few choice names and hung up on him. I do not have a balance of XXXX as stated online TODAY, XX/XX/XXXX, with XXXX XXXX nor is it being reported correctly on my credit reports which i have also filed disputes with. Another important thing to mention is that during the early stages of the pandemic, In XXXX, XXXX XXXX was ENTIRELY shut down. The had no one to help in customer service, the stores shut down. You could not speak to any representative in any department and they had an automated voice saying so and that you should call back. I tried to call XXXX XXXX to discuss my payment problems, tried to apply for Covid assistance ( deferment ) through XXXX XXXX online to no avail. My account was closed, not by me. This was outrageous because of the unprecedented situation nearly every American was and ( millions ) still are in. Next thing I know, I get a letter from collections.
01/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33881	Web	Servicemember
I disputed inaccurate reporting by XXXX XXXX XXXX on my credit report stating that I owe of past private student loans. My records show that I have paid in full these loans. Over the period of the loans, XXXX XXXX XXXX has sold the debt numerous times and at the same time continued to report the debt under XXXX XXXX XXXX XXXX. I contacted the company XXXX XXXX XXXX is using called Credit Control LLC in XXXX FL, they were helpful in accepting that I provide my proof of payments for the XXXX XXXX. I mailed 8 years of proof of payment which included the attached documents along with my personal bank account statements which showed these payments were made to XXXX XXXX XXXX and their Creditors they sold the loans over the years. I ask for a full review and any records XXXX XXXX XXXX has that showed I did not pay these loans in full. I received a letter from Credit Control LLC stating that XXXX XXXX XXXX investigation response is that I still owe the loan amount and Credit Control LLC would continue to report on my credit the amount outstanding under XXXX XXXX XXXX name. I was not given any proof that the current reporting on my credit report are linked to the Student Loans I made payments on. I believe XXXX XXXX XXXX has sold the loans off and did not receive the payment I have records for and continue to collect and hold me liable. I am yet to hear directly from XXXX XXXX XXXX on the proof of payments I have submitted to them and a reconciliation of the loans I paid off. They can not show any proof with the payment I made and how they were applied to the loan and why they continue to show a balance on the Student Loan accounts and reporting the account as charge off collection. These inaccurate reporting by XXXX XXXX XXXX has damaged my credit rating and caused me to be turned down by banks, and financial agencies. I am exhausted at dealing with XXXX XXXX XXXX and have no other place to turn to get them to correct and fix this error. I only ask that they reconcile the account and show me how my payments I've made of the years were applied to the loans I borrowed and explain why I owe them a balance they are claiming when my records showed I paid the loans off. Since I've contacted XXXX XXXX XXXX and can not get them to provide me this information it seems that they are taking part in collection practice that is illegal and violation of the fair credit reporting act. If I could afford to file a lawsuit against XXXX XXXX XXXX I would have done so as their response to my letters and their lack of providing proof of the debt and payment I made to XXXX XXXX XXXX and its Creditors is something they have yet to provide me.
06/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91765	Web	Older American
Hi, I was a client of XXXX XXXX XXXX. I paid off a negotiated debt to XXXX XXXX with my final payment being made on XXXX. The XXXX XXXX XXXX website shows that my debt is cleared and that I graduated their program. Shortly after that I received a letter from a company called XXXX XXXX saying I owed them the full amout of that debt.I contacted XXXX XXXX XXXX and they told me it was fine, and would adjust in the next few days. It didn't. I called the number on the collection letter. They looked up my account and provided me with a Paid in Full Letter. I'm currently trying to get a good interest rate on a mortgage loan. I submitted the Credit Control Paid in Full letter to my lender. They have a Rapid Rescore Department and are willing to work with me. The Rapid Rescore Department said they could not accept the Paid in Full letter because it's from Credit Control and not XXXX XXXX XXXX XXXX XXXX is the company that reported a collection to the credit bureaus. The Credit Control letter was signed by a collections supervisor and I can provide his name and also the Paid in Full letter. I called XXXX XXXX. They said I owed the money and asked who was the company saying it was paid. When I told them Credit Control, I was informed that Credit Control is one of their companies. They said they would contact them and if they showed that I paid the debt, they would provide a Paid in Full letter and also remove the collection from my credit report. Since then I received another letter from XXXX XXXX saying I now have to pay more, and the new bill exceeds {$1800.00}, This is almost {$600.00} more than what they originally said I owed in XXXX. I have since called them numerous times and was elevated to a manager on three separate occasions. The managers, first name only, and I can provide those first names, always say they will be able to resolve the issue in 72 hours and will get back to me. They say they can't call Credit Control about it, even though Credit Control is their company. They said they have a process and I need to wait. I have never heard of Credit Control or XXXX XXXX prior to this. I called XXXX XXXX XXXX again to see if they would help me. I was told that I have a letter from Credit Control saying the debt was paid and that's as far as their obligation to me goes. In the meantime, I'm trying to close on a house. I will have to pay a higher interest rate if this can't be fixed. Houses are so expensive and any decrease in an interest rate is important. I hope you can help me. THank you.
04/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
09/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA XXXXX	Web
In XXXX I got a Credit card with a {$500.00} limit from XXXX XXXXXXXX XXXX when I came home from XXXX in XXXX XXXX XXXX XXXX. I got the card just to establish credit and I spent approximately up only {$300.00} on the card and paid {$100.00} on my first two payments. The amount I paid down on the card was well over the minimum amounts due yet to my disbelief I was told that I owed over {$350.00}. This made no sense at all even with their ridiculous APR 19 % interest on their janky credit card. I never paid them again and told them XXXX XXXX XXXX close this account with that XXXX! It's XXXX and XXXX XXXX Bank now has a third party company, Credit Control LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, writing me as of XX/XX/XXXX for {$400.00} well over the amount on what I browed and paid down. They continue to violate my rights as a consumer well over 10 years later even though I filled a bankruptcy sometime between XXXX XXXX after my XXXX was born. My child is now XXXX XXXX XXXX. XXXX XXXXXXXX XXXXXXXX has sold my petty debt XXXX times since I told them to XXXXXXXX XXXX with that XXXX. Here are the 12 companies who have participated in violating my rights as a consumer to protect myself from fraud, lies and overall bad business practices : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above harassment violates XXXX compliance standards as I mentioned I did file a bankruptcy XXXX years ago and this debt is over 12 years old. Moreover, I did not enter into any written agreement with any of the XXXX private agencies listed above and should be noted by the federal law of the United States of America states that periodic account reviews by an existing creditor or my own requests to check my credit file will and does remain in my file for 2 years. Thus, each time my debit was sold in attempt to collect was illegal in the state of Georgia beyond : 6 years for written communication, Oral contracts and Promissory notes 4 years, and open ended accounts including credit cards are only good for 4 years. XXXX XXXX XXXX Thank you kindly for your time and consideration regarding this matter. I do expect this violation of my consumer rights to STOP! XXXX Truly, XXXX XXXX XXXX XXXX XXXX
05/18/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20745	Web
My name is XXXX XXXX, a federally protected consumer, and I am filing this complaint against XXXX 's for furnishing false and misleading information to my consumer report as a means to bring harm to me and my financial reputation. This account is listed as a Charge off on my consumer report as shown in attached exhibit A. This is false and misleading. I am aware the definition of a Charge Off, pursuant to 7 CFR 1956.54, is The writing off of a debt and termination of collection activity without release of personal liability. Im also aware that once a debt is cancelled, it now becomes gross income. Pursuant 26 U.S. Code 61 ( a ) ( 11 ), Gross income includes income from discharge of indebtedness. Was a 1099-C filed on this account? If so, I never received one. I am aware that a 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. If your company has mailed me a 1099-C, please provide documentary evidence, such as a tracking number, that proves I in fact received and was aware of a 1099-C. Knowingly furnishing this false and misleading charge off to my consumer report is a violation of 15 U.S. Code 1681s-2. If XXXX 's has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. I am aware and I am invoking my right as the consumer to demand the money audit trial in accordance with 12 U.S. Code 5562 ( c ) ( 10 ). I would need this product of document material as documentary evidence in order to properly address this subject matter and without this documentary evidence there can be no validation of such debt. Furthermore, in order to validate the debt, please provide verification through audit certification of debt entry in accordance with GAAP, IRS, in accordance with Basel 3, and UNCITRAL conversions. If any of the above can not be provided, this account must be removed from my consumer report immediately to prevent further harm to me and my financial reputation.
06/07/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 945XX	Web
I have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account .I spoke to XXXX XXXX executive office Miss XXXX and she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references .He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicted have an open dispute with XXXX XXXX because my checking account that I put on auto pay was compromised and XXXX XXXX also failed to send me any notice or make any attempt to call me to let me know that the payment was not being posted to my account.I spoke to XXXX XXXX executive office Miss XXXX she gave me a phone number for a city control collection agency the speak to them regarding this account. With the permission of the representative he recorded my call and I recorded his call For our future references.He disclosed to me but he sent a validation letter For the debt Show my home address in XXXX in the month of XXXX. it is not true at all I never received any letter regarding this matter in the month of XXXX. My Mailbox is locked so no one has access to it. He also indicated to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.ed to me that he wants to collect and verify that from me but at the same time he has no control over what XXXX XXXX does with my account. I just want to clarify that I have a pending case with XXXX XXXX and I will be taking action against them in XXXX County Superior Court And I will include account controlled collection agency for violation of fair debt collection Act especially during covid-19.
07/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77386	Web	Older American, Servicemember
XXXX XXXX filed a claim with XXXX XXXX XXXX insurance which is not my insurance company. They were presented with a XXXX XXXX XXXX at the time of the service and still did not get it correct. After a few months, they contacted me by mail with an invoice saying I am responsible for {$660.00} for the tests. Tried calling and could not get anyone to answer the number on the invoice but was rather referred to XXXX XXXX. After logging in and seeing the incorrect insurance, tried to correct it online but to this date, it has not been corrected even though a claim was filed and denied because of coding errors. I have made numerous attempts to contact XXXX both online and on the phone to no avail. I called my insurance company to try and resolve this and they have reached out to XXXX and to XXXX XXXX, XXXX at XXXX XXXX XXXX who ordered the tests. I have made 2 trips to the Doctor 's office and supplied them with copies of XXXX 's invoices trying to get the claim filed correctly. Again, to no avail. After months of trying to get this issue resolved without success XXXX has turned me into a collection agency, Credit-Control LLC who called me and I told them that I disputed the claim because XXXX has failed to obtain the correct coded for the procedures in question. The agent said she would show this as a disputed claim. A month later I get a letter from Credit-Control LLC which I will attach along with my response. Tried calling them last night and got on. the merry-go-round of will you make a payment, set up a payment plan or wait for an agent. After about 15 minutes I was told to leave a message and someone would return my call but when I did not leave a message, the call was disconnected. I then proceeded to send in a copy of their statement along with a copy of the EOB for the charges they were requesting payment for to XXXX. After multiple attempts to get this matter resolved, going above and beyond on my part, I get turned over to a collection agency. This should not be reflected upon my credit report as so many things now are based upon my credit score. Things like insurance rates, credit card rates, car loans and God only knows what else. One company 's inept business practices show not be an instrumental key to this horrific practice. Last check my credit score was XXXX with no late payments of any kind or negative factors reported.
01/08/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 195XX	Web
Credit control is dialing XXXX is on a daily basis looking for a XXXX XXXX. I don't know anyone by this name this person is using my phone number to escape from his debts. I received this phone number from XXXX XXXX XXXX in XXXX i had this number going on for 3 years now. I recently gotten calls the week of XX/XX/XXXX they are looking for this person XXXX XXXX. I don't know who they are a this is a debt collector for this person i asked them to stop calling but this company is calling me like 2 to 3 times a day and the last phone call of the day ends at XXXX XXXX. These people keep asking for XXXX XXXX. I have this feeling this man used my phone number to not be bothered with his debt he owes to these people. I talked to them in person over the phone and they said sorry that they will remove the number and now i am getting robocalls from these people. They keep calling from XXXX. I even asked them to stop calling or mail that person the information so they can call them but these people are not getting the memo. I don't know how they got my number but i am asking you to intervene to stop these people from calling my home number i don't know who they are looking for. The phone calls are for some man name XXXX XXXX and i don't know a XXXX XXXX. they are obviously are dialing and robo dialing a wrong number or this man is using a phony number to get out of any debts he owes i am being bothered 2 to 3 times a day and this stuff did not happen to me recently this number was never used by XXXX - XXXX they told me this is a unused and fresh and new number. So i would like for your help to stop the unwanted calls from these people this is a unknown person using my phone number. There is people out in this country that is very dishonest and they randomly use peoples numbers for services or what ever and when they slip into collections people like me are being bothered by these people and it is not right and unfair. I like to have a peaceful nite without keep answering a phone call that is not for me that someone used my number. I think that is ludicrest. This complaint is for unwanted calls, annoying calls, and a debt collector that is robo dialing someone that is not using this number. I think either they are not remembering there home number or using my number because they want someone else to deal with their unwanted calls.
10/25/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA XXXXX	Web
Credit Control , LLC, notified me on XX/XX/2022 about an alleged debt. According to Title 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of their fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Credit control , LLC and its agents harassed me for an alleged that that was not even validated. Shared statements as well as a copy of a consumer contracts as evidence of the day, but as per the judgment in the case of XXXX XXXX XXXX XXXX XXXX a copy of the consumer contract is not sufficient evidence of debt. Due to their continuous act of deceit, coercion, and intimidation I have suffered XXXX XXXX XXXX XXXX According to 15 USC 1692a ( 2 ) the term Communication means that conveying of information regarding a debt directly or indirectly to any person through any medium. As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the consumer report { bearing information regarding the alleged debt } by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing your formal notice to cease any further communications regarding this account immediately. This includes but not limited to telephone calls, emails, social media, or any consumer reporting agency. Any further contact by your agent or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If they do not cease communication a lawsuit will be commenced against them. Credit Control , LLC and XXXX XXXX XXXX HAVE FALSELY REPORTED INFORMATION THAT RESULTED IN DEFAMATION OF MY CHARACTER. Further, they have created a deceptive form that made creditors and employers believe that I was in debt, though they could not prove its validity. If the debts were valid, they created a false impression that I was not able to pay the alleged debts. As a result, I was discriminated against and denied my right to extend credit. I also suffered emotional as well as financial hardship. Therefore, both Credit Control , LLC and XXXX XXXX XXXX are liable according to Title 15 USC 1681o.
01/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 13021	Web
I am filing a complaint against CREDIT CONTROL , LLC XXXX CREDIT CONTROL & XXXX ACOUNT # XXXX ORIGINAL CREDITOR : XXXX. I wrote to them on XX/XX/XXXX for validation they received the letter on XX/XX/XXXX. They responded back on XX/XX/XXXX past the 30 days. They are non compliance of Federal, State, FCRA and FDCPA violation status on fraudulent extortion. Please have them send me something bearing my signature. I hereby reserve my right to take private civil action against you to recover damages. Here are violations that I will be filing : 1 ) They have " Re-Age '', your account by reporting the date of last activity instead of the date of last delinquency. Protection under the FDCPA Section 807 ( 8 ) fine. 2 ) They have report my credit history inaccurately. Defamation, financial injury. U.S.Court of Appeals, Ninth Circuit, No.00-15946, Nelson vs. Chase Manhattan. Extent of damages incurred by the wronged partly as deemed by the courts. 3 ) Liability : Bryant v. TRW - the Defendant consumer reporting agency unsuccessfully argued that, under 607 ( b ) of the FCRA ,15 U.S.C. 1681 et seq., it was not liable as a matter of law, for the reports it issued in good faith, and as a result of inaccurate information provided to it by Plaintiff 's creditors. the court held that the Defendants was not free from liability when the credit reports at issue was not accurate. Once inaccuracy was determined, defendant 's agency procedures were not determined to be not reasonable to ensure maximum possible accuracy, pursuant. the consumer was rewarded $ XXXX. 4 ) I am also including in the civil suit CRA 's who you pay to keep these items on my credit both you guys refusal to correct information after I ask in the letter that I wrote them and you the accuracy. This defamation, willful injury. FCRA Section 623 CUSHMAN, v TRANS UNION CORPORATION US Court of Appeals for the Third Circuit Court Case 115 F.3d 220. Extent damages incurred by the wrong party, as deemed by the courts. Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I have maintaining a careful record of my communication with you for purpose of filing legal matter
01/26/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	PA 171XX	Web
I entered into a payment plan to pay off a copay balance with XXXX XXXX on XX/XX/2021. The plan was for two payments of {$84.00}. One payment was automatically withdrawn in XX/XX/XXXX and the second on XX/XX/XXXX. Both payments are reflected on my health savings account summary. Last week I received a collections notice from Credit Control , LLC indicating I failed to make the second payment and they were therefore attempting to collect a debt of {$84.00} owed to XXXX I tried dealing first with XXXX billing and they merely had me email proof of the payment and said theyd let the collections company know I was disputing the debt. Not trusting XXXX, I reached out to XXXX XXXX myself to inform them that there is no debt and to provide proof that I had paid the sum theyre trying to collect. They told me they will not accept proof of the payment from me and would just list the debt as in dispute for the next 30 days and wait for XXXX to sort it out. And if XXXX doesnt tell them the debt wasnt legitimate, they continue their attempts to collect and ultimately send this to the credit bureaus if I dont pay. They refused to accept proof that I had paid the bill they are attempting to collect. They gave me two options only : pay or dispute. Despite spending nearly a week emailing with the XXXX billing department, Ive gotten no where other than answering the same questions over and over and providing the same information over and over. The billing department only corresponds by email and I get a different person every time I try to follow up and they then repeat the same questions Ive already answered. Today, the best I got was the information was being forwarded to the investigational team except that should have already been done by any of the other people I previously spoken to. Given that XXXX is doing nothing to resolve this, I am concerned for my credit over a bill that I paid. Its incredibly troubling to me that a collections company can refuse proof that the bills they are attempting to collect on have been paid. And they seemed incredulous that Id suggest that they may have liability for refusing proof I have paid the debt theyre threatening to ruin my credit over.
06/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33414	Web
Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX Re : XXXX XXXX Account XXXX XXXX To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g , to inform you that I dispute the alleged debt associated with account number XXXX. I do not owe the amount alleged by you. Never received documentation to validate the debt, remove the item from the credit report all of them. Thus I am requesting that you provide the following information : History of the above mentioned account from the day it was opened ; the address it was opened at ; this should include all payments and credits made when it was closed and provide the date of cancellation, and payment even after cancellation. Please provide an accounting explaining how you calculated what you allege that I owe ; Please provide me with copies of any contracts or documents which form a basis for the alleged debt ; Please provide me with all original documentation which shows my signature. XX/XX/2021 Page Two I further request that you take the following actions ; Please contact any credit agencies to whom you have reported this alleged debt, and inform them that I am disputing the debt ; Please also forward a copy of this letter to the creditor who alleges that I owe the debt at issue, and inform them that I am disputing the debt. Except as specifically outlined herein, I am requesting that you cease all contact with me about the alleged debt. Any further contact should be strictly in conformity with the FDCPA : It should be limited to providing me with the documentation requested in this letter, informing me that you have ceased collection efforts on the alleged debt. Any further contact should be made in writing, and should be submitted to my home. If you continue to try to collect on this debt, I will file a formal complaint against you with the Federal Trade Commission, the States Attorney General Office. LET ME BE VERY CLEAR I HAVE DISPUTED THIS BILL WITHIN THE APPROPRIATE TIMELINE PROVIDED BY THE FAIR DEBT ACT- WELL WITHIN THE REQUIRED 30 DAYS. Sincerely, XXXX XXXX Cc. XXXX, XXXX, XXXX and CFB
02/25/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11224	Web
I had a signed settlement agreement with the Credit Control LLC for my account XXXX, settlement agreement XXXX. Where the settlement amount had been XXXX and by XXXX of XXXX {$490.00} of that balance had been paid off, outstanding balance was {$350.00}. There was no payment withdrawn on XX/XX/XXXX and XX/XX/XXXX. I have a statement and notices from the bank reflecting sufficient amount on the account and an overdraft services were on. On XX/XX/XXXX I am receiving a letter and signing up for a new payment arrangement of {$64.00} and an outstanding amount is {$780.00}. After I have signed up for a new payment arrangement I realized that I have already had a payment arrangement for this account and I have already tried to contact Credit Control to clarify through their website and sent 3 message of which I have time stamped screenshots. After I made a payment of {$64.00} according to the new and second arrangement that I could not cancel at this point, it brought my balance to {$280.00}. I send another message to them to clarify and called. When I called I was told by a young gentlemen they have 2 different parts of the collection department and another department is under a different number, which i called and left a voicemail as no one was available. Then I proceeded sending another email, requesting to receive clarification on the account and balance. Today I have finally called and spoke to Ms. XXXX, if I got it correctly and her manager XXXX where I was told at first that I was manually scheduling payments, then I was told that my payment did not go through and that agreement was voided and now I have to start paying off the same amount a new. Not only that manager was not courteous, did not let me speak at all or raise any questions, bossy, and it turned into more of a shouting exercise where I was not even able to speak normally or question anything. She completely shut all my concerns. I truly feel that this collection process was unfair and misrepresenting, I was mistreated and placed me under pressure. Where this agency prey on the debt problems and make them worse instead of helping in resolving.
03/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ XXXXX	Web
I have received the fraudulent, unsigned debt collection letter dated XXXX, XXXX 2022 from Credit Control , LLC for XXXX XXXX XXXX to collect illegal debt from XXXX XXXX from XX/XX/XXXX, XXXX Credit Control , LLC and XXXX are third party debt collectors, third party interlopers. Credit Control , LLC and XXXX are in violation of : 1. The Fair Deb Collection Practices Act, 15 U.S.C. ( Violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 802 ( a ), 803 ( 3 ), ( 4 ), ( 5 ), ( 6 ), & ( F ) et seq., 809 ( b ) ) Violation of the 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organization Act ( RICO ), and 18 U.S.C. 242. 18 U.S.C. 242 makes it a crime for a person acting under XXXX of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States of America. To wit : A national Bank can not lend its credit to another by becoming surety, endorser, or guarantor for him, such an act being ultra vires XXXX Bank v. XXXX XXXX XXXX. 2. The federal laws of mail fraud prohibited by 18 U.S.C. 1341 Racketeer Influenced and Corrupt Organizations Act ( RICO ). The offense is punishable by a range of fines up to {$250000.00}, imprisonment up to a life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any. 3. Criminal Activity of fraud. 4. Pattern of Criminal I formally request CFPB order the Credit Control , LLC XXXX XXXX XXXX XXXX, the third party debt collectors : 1. To cease all communications with me regards to this debt, or any other debts that these two entities allege I owe. 2. Not transfer to anyone else. 3. Any negative remarks made to a credit reference agency should be removed. 4. Credit Control , LLC XXXX XXXX XXXX XXXX non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and you implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. Thank you CFPB for your help.
11/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MS 395XX	Web
Pursuant to 15 USC 6802 ( b ), the financial institution ( XXXX ) that are furnishing said inaccurate information never clearly and conspicuously disclosed that I have the right for my nonpublic personal information be reoprted to no affiliated third parties, therefore these reports are inaccurate and are causing damages to my personal self, my family, and household. Furthermore, The credit reporting agency never did an investigation with me the consumer to check if these transactions actually took place. Therefore, proper investigations were not met according to federal regulations and these inaccuracies on my consumer credit file are being reported without my written consent to do so. XXXX deleted XXXX ( XXXX ) accounts that were allegedly investigated and validated, which resulted in the reports being deleted because of their inaccuracies. There is now a debt collection being reported onto my credit file along with a closed installment loan that was deleted and has been placed back onto my file. XXXX is being negligent and noncompliant to my requests, as I have been in constant attempts to resolve these matters. I have not received any correspondence from XXXX and I have proof to show they removed these accounts from my credit file and have reported them again without the lawful authority to do so predicated upon there being no actual validation of these alleged debts. The reports they said they removed have been replaced onto my file and I have taken more injury and damages to my credit file without my written consent or thorough investigations. This company has not contacted me and I have not been able to get an agent on the phone to assist me with these matters. I am still awaiting correspondence from XXXX, but my file is still taking damages due to inaccuracies being reported without my written consent. The banking system is dependent upon fair and accurate credit reports that are equitable to the consumer. These reports are unfair and inaccurate, thus not beneficial to me, the consumer.
01/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 91320	Web	Older American
My name is XXXX XXXX XXXX. I am filing a bad collections practices complaint against Credit Control , LLC. Its address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX ; and its phone number is XXXX. On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( a debt-modification law group that I contracted with ) negotiated and settled at a discount a XXXX XXXX XXXX loan with an account number of XXXX balance at time of settlement was {$16000.00}. XXXX settled with Credit Control for {$8400.00}. The settlement document is attached. The details of the settlement document show it was a 24-month payment plan. XXXX mailed monthly settlement checks to Credit Control each month for 24 months starting XXXX of XXXX and ending XXXX of XXXX Credit Control cashed 23 of those checks. However, Credit Control claims it did not receive the 24th monthly check ( XXXX of XXXX ). Credit Control then declared the settlement defaulted, it kept the {$8200.00} XXXX paid on my behalf for the settlement, rejected and declined XXXX repeated requests that Credit Control honor the written settlement agreement, and then Credit Control sold the XXXX XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX That letter is attached. XXXX XXXX XXXX XXXX XXXX maintains I owe the remaining balance of the overall debt : {$8700.00}. I allege that Credit Controls actions are illegal bad collections practices and, therefore, in violation of the Fair Debt Collections Practices Act. XXXX XXXX XXXX did mail the 24th ( XXXX of XXXX ) to Credit Control on time as it had done during the course of the settlement payment plan. What XXXX did was include that check in a batch of multiple settlement checks for other clients settlements and put them all in one envelope and mailed that envelope with those checks enclosed to Credit Control. Credit Control did receive the mailing. XXXX confirmed that because those other checks were cashed by Credit Control. Here is my contact information : Phone : XXXX Email : XXXX XXXX
11/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92831	Web
I was contacted last year from Credit Control , LLC trying to collect debt on behalf of XXXX XXXX XXXX in regards to a debt owed to XXXX. I sent them written communication and emailed them aswell the following : " To whom it may concern : I am writing to you because I received the letter attached. I don't owe anyone XXXX. I have disputed this collection from my credit report and has been removed from my account since this is not my debt. Please forward me any documentation providing proof that this debt is mine and that I applied with XXXX XXXX XXXX. If you can not provide this documentation, then please stop contacting me. Sincerely, XXXX XXXX XXXX XXXX' I attached the original letter, my driver 's license, last 4 of my social, complete name and home address to facilitate verification on their end. I called right after to confirm with a representative if they received atleast my email which was confirmed. They later replied back with the following response : " Thank you for contacting us and sharing your concern. To assist, we will request verification of this debt from our client. Credit Control or our client will mail the validation to the current address we have on file. Collection activity on your account has been placed on hold and will only continue after verification has been sent to you. If you would like to provide further details regarding your concern, please send an e-mail to : XXXX Please allow at least 30 days to receive a response '' Which they did not respond because there should not be any proof that this debt is mine. Fast forward to now, I received a similar letter. The wording is the same however they provided a new reference number, same debt, same alleged creditor, etc. This is multiple violations under the FDCPA. They didn't respond in a timely manner and they DID NOT provide proof that the debt is mine. I wish to not be contacted nor harassed moving forward. The email conversation has been attached along with the 2 letters.
05/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web
This complaint is in reference to Credit Control R # XXXX. I received a letter stating that I was referred to collections for an account I am not aware of, is currently not on my credit report and allegedly became delinquent 9 years ago. This is the second company with my PII and attempting to collect a debt that is not mine. I am disputing this outrageous defamatory, reckless and harassing claim that has put me under emotional distress. I do not recognize the debt they are referring to and it is outside of the statute of limitations, both State and Federal. I fear that this institution will report a debt that does not belong to me which would damage permanently my high credit score. I am contacting legal counsel for advise and please be advised that if my outstanding credit history and credit score are affected by this company and their abusive letter, I will seek restitution, and compensation for material damages as a result of injury to my credit, furthermore, I will seek compensation for undue stress, pain and suffering, and will further refer this to regulatory agencies to investigate potential FCRA, FDCPA non compliance by this company that is currently harassing and threatening me with unfounded claims. Please note that not only the claim is false and borderline slanderous but it is predatory in nature as they are attempting to collect XXXX for an alleged debt of XXXX. Furthermore the letter sent to me is not compliant with the required disclosures as mandated by NY State. Please note that I attempted speaking with them and they refused to talk to me unless I gave them my DOB and SSN. They are not my financial institution and will not get PII that could expose me to ID Theft. The first rep was arrogant and rude, he hung up on me ; the second one an alleged manager was more cordial but still non cooperative. All this can be evidenced in the call recordings from XX/XX/2022 at XXXX and XXXX XXXX XXXX
04/12/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76116	Web
I, XXXX XXXX, consumer, natural person, and the original creditor of an open end credit plan, received a letter in the mail from a debt collector. This is mail fraud pursuant to 18 US Code 1841. I am making this complaint against CREDIT CONTROL , LLC for committing identity theft. I have never given CREDIT CONTROL , LLC any permission to use any of my identifying information to commit fraud by contacting me about an alleged debt they claim I owe them. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal and both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the advertisement or publication of a sale or selling of any debt to coerce payment is also known as debt parking in accordance with findings from the Federal Trade Commission and reporting this alleged debt to the consumer reporting agency without validating it with I, the consumer, first is a violation of 15 U.S.C. 1692d ( 4 ). I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until CREDIT CONTROL , LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and CREDIT CONTROL , LLC continues its collection efforts, I will file for litigation for actual damages caused and CREDIT CONTROL , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and collection of extensions of credit by extortionate means. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
02/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33025	Web
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX : ( XXXX ) XXXX Email : XXXX XXXX XXXXXXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, DE XXXX Our Account Number : XXXX XXXX Account # : XXXX Original Creditor : XXXX XXXXXXXX XXXX, Amount as Listed on Credit Report : {$2600.00} Dated : XX/XX/XXXX To Whom it May Concern : RE : Deceiving or Misleading you while trying to collect a debt. On or about XX/XX/XXXX, I opened a XXXX credit card account with a credit limit of {$4500.00}. XXXX closed my account without notification or any reasons why it was closed. The account went into default there after. On or about XX/XX/XXXX, Credit Control collection Agency, a Agency hired by XXXX XXXX XXXX made contact with me regarding the account in a settlement to delete. I immediately agreed to a settlement to delete all information from all 3 major credit bureaus for {$900.00}. Credit Control was hired my XXXX XXXX XXXX to collect the debt. After the settlement was made Credit Control and XXXX XXXX XXXX refused to remove the debt from my credit file as promised. Instead they have lowered the amount and place a notification on my credit stating : Paid in settlement. {$3500.00} written off. Debt collectors are prohibited from deceiving or misleading you while trying to collect a debt. Debt collectors are generally prohibited under federal law from using any false, deceptive, or misleading misrepresentation in collecting a debt. I was deceived by Credit Control and XXXX XXXX XXXX to collect the debt. I am requesting that XXXX XXXX XXXX either remove the account completely from all 3 major credit bureaus or refund the {$900.00} that they lied to collect. I have filed several disputes to XXXX XXXX XXXX and they refused to respond to my request. I have attached copies of the payment receipt and copy of the settlement agreement. Respectfully Submitted, XXXX XXXX
06/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 15001	Web
I Am a victim of identity theft - i have been contacted by XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX ( THEY ARE COLLECTING AN ACCOUNT ON BEHALF OF ( CREDIT XXXX BANK, XXXX. ) REF # XXXX - THEY KEEP RESELLING THIS ACCOUNT THE AMOUNT IS {$950.00}. I have been sending in certified letters to XXXX XXXX XXXX XXXX ( CREDIT CONTROL , LLC ) XXXX XXXX XXXX AND XXXX XXXX keep sending me letters advising updated and accurate and NOT INVESTIGATING, i also sent them copies of the police reports NO ACTION TAKEN Requests to Block Unauthorized Charges from my Credit Report under FCRA XXXX. I HAVE NO KNOWLEDGE ABOUT THIS ACCOUNT ( PLEASE FOLLOW THE LAW ) Please provide the following : Agreement with your client that grants your authority to collect on this alleged debt that is not listed as mine. Agreement that bears the SIGNATURE of the alleged debtor wherein XXXX agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency XXXX that this debt was assigned or sold to collector. ( XXXX ) showing IRS info XXXX accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
06/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94550	Web
This complaint is against XXXX XXXX XXXX credit card that had cancelled my credit card 2-years ago without any notification. And now it has been forwarded to the debt collection XXXX XXXX. I was asked to pay {$320.00} which I dont understand where has it come from. Recently I have received a letter to pay {$160.00} to settle the case. I dont understand how has it become the case. Id also like to mention that there are a few orders that were returned r sent back but XXXX never acknowledged nor did they ever refund the amount back. For instance : 1. Order # XXXX placed on XX/XX/XXXX includes 26-items. They have been returned via XXXX but I have never received the payment of {$1000.00}. 2. Order # XXXX placed on XX/XX/XXXX includes 27-items. But theres still a balance of {$18.00} that XXXX owe me. 3. Order # XXXX placed on XX/XX/XXXX includes 20-items. But I still havent received the refund of {$420.00}. The items XXXX XXXX & XXXX XXXX XXXX XXXX XXXX were returned in-store at XXXX, Montana. 4. Order # XXXX placed on XX/XX/XXXX includes 35-items which were returned in -store at XXXX XXXX XXXX XXXX XXXX XXXX CA. But I still havent received the refund of {$310.00}. Those returns were merged with the previous Order # XXXX which was supposed to be picked up in the XXXX, CA store which I never did. 5. Order # XXXX have already been returned via XXXX but a credit of {$370.00} is still missing. 6. Order # XXXX and XXXX were supposed to be picked up at the store but due to COVID-19 situation, the stores were closed. Its been more than 2-months but those orders are still not cancelled yet and a credit of {$140.00} and {$470.00} are still missing. XXXX sometimes harasses their customers to pay the bills/charges which do not exist, but often forget to pay back what they owe.
02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07036	Web
THE COMPANY, XXXX XXXX XXXX XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXXXXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07036	Web
THE COMPANY, CREDIT CONTROL LLC, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO 15 USC 3002 ( 1 ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
01/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL XXXXX	Web
On XX/XX/2020 I paid my XXXX 's account in full for the amount of {$230.00}. The due as per the statement was to be on XX/XX/XXXX with a minimum payment of {$63.00}, however, I paid it in full and asked to close the account as I had already experienced issues with their billing practices. The next statement reflects the full payment, but there were XXXX showing still owed ... fees and interest. At that point I called customer service and inquired how these fees can be legally billed when I paid the account in full and on time, the explanation did not make any sense and I disputed the charges. The account was never used again, however, somehow they ran up the charges to what they claim I owe today which is {$350.00} and in the hands of a credit collection agency by the name of Credit Control , LLC. I have disputed this claim with them as well and three years later I am still fighting these ridiculous claims. After submitting my complaint to Credit Control LLC, along with all documentation ( attached to this complaint ), I still have no results. Instead of actually looking at the facts and what the issue is, they did an investigation on fraudulent charges to the account. My claim was not on fraudulent charges, my claim was on fraudulent charges on their behalf with interest and fees on an account paid in full as per my opening statement on this complaint. They can't seem to get it... Possibly on purpose. At this point it's been 3 years, very upsetting, and most likely affecting my personal credit score. I ask that the CFPB please help me with such an easy case that should never have gotten to where it is today. I have attached all documents as per my account. Thank you in advance for your help.
03/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63137	Web
I was contacted via mail by Credit Control LLC XX/XX/2021 for payment of an alleged debt. I immediately responded via certified mail asking for them to validate the debt not just by the collection agency standards but in accordance with the FCRA, section 609 ( a ) ( 1 ) ( A ) original documentation & Section 611 ( a ) ( 1 ) ( A ) a consumer contract with my signature on it and 611 ( 5 ) ( A ) they were required to promptly delete all information which can not be verified and they have failed to do so properly but refuse to remove the debt from my credit report, which is illegal and a form of defamation. I've sent them several letters since then asking for proper validation and they only responded once saying the same thing they said in the first letter and sending me blank pages. It has been over 90 days since they have responded to me and according to the FCRA they have 30 days to validate my debt. I never signed any contracts and this is a direct violation of my rights! They have ignored my cease and desist and have demonstrated negligent noncompliance and committed several other FDCPA violations. I've also requested Proof of their right to own/collect this debt, license proof to collect debt in my state, verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor and a printed list guidelines to the FDCPA 15 U.S.C 1692. They have yet to respond to me. I've sent letters every month since XX/XX/2021 and the last letter I received from them was dated XXXX XXXX, they have yet to properly validate the debt or to even respond to me which is technically omission by silence.
06/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 610XX	Web
I received a call from Credit Control asking to pay a debt.I had received a letter in the mail a couple months ago and I responded with a dispute and validation notice. I did not hear back from them. They called today on XX/XX/2021 and informed me that I had an overdrawn checking account I owed {$69.00} on. I have never had an acccount with this bank. She gave me the account numbers and number for the original creditor. The company Credit Control sent me back to XXXXXXXX XXXX for an overdraft account. I reached out to XXXXXXXX XXXX and sat on hold for 2 hours. Finally I was able to get a XXXX XXXX on the phone. I explained on the phone that we had never had an account with XXXX XXXX. She put me on hold and got a supervisor named XXXX XXXX ( collateral liquidation Supervisor ). XXXX informed us that the account appears to be associated with a XXXX. She said that XXXX name does not even appear on the account. Credit Control was asking for the last four of my social security number and sending me collection notices my name did not even appear on. Not only did they disregard my request for the validation and Cease and desist they were attempting collection efforts for a corporation out of California on a XXXX number that contained neither my social security number or my name. Information I was able to obtain from XXXX XXXX at Credit control was an original account number of XXXX and a credit control account number of XXXX. This account does not appear on my credi at this time. I do have concerns that they have added my social on after having me verify by phone. XXXXXXXX XXXX has confirmed this is NOT my account
08/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	ME 040XX	Web	Older American
In XXXX, I closed my account with XXXX XXXX due to the fact that I never had service and my phone always said mobile network not available. I only had the phone for a few months and made several attempts to resolve the issue via customer service, which never fixed the problem.. I went in to the XXXX store on three occasions to update and receive a new phone. My account was locked? they dont know why, but i never received a new phone. I also made a payment to them in XXXX for {$36.00}. and change for the service and another {$58.00} and change in XXXX to upgrade my phone, that never happened.XXXX charged another month on XX/XX/XXXX for {$36.00} and change after I had closed my account..I asked XXXX to send me a paper invoice and I would be happy to pay the balance. I was told, " we don't XXXX paper statements ''. So this account was turned over to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX Mo XXXX. They made numerous calls to me and I told them I would not pay for the amount is incorrect. So they contacted XXXX and filed a collection report against me for over $ XXXX the new amount to file a collection report. On XX/XX/2023 I filed a dispute with XXXX stating the above information and it was deleted from my report, but not after losing XXXX points on my credit report. My report number to XXXX is XXXX After I was contacted by XXXX about the deleted collection report, I contacted the collection company and requested that they contact XXXX and report their mistake. I think that they fudged the bill over {$100.00} so as it would be included on my credit report as a collection of a debt.
02/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 125XX	Web
I was contacted by a collection agency named Credit Control LLC that claimed that I owed a debt. I wrote the collection agency asking them to validate the debt on XX/XX/XXXX and mailed it via certified mail and it was delivered XX/XX/XXXX. I did not receive any response from this agency and per my understandings they are supposed to respond within 30 days of receiving my request. The debt is being reported on my credit report, which is hurting me. I made a second attempt to contact the collector on XX/XX/XXXX and the letter was delivered via certified mail on XX/XX/XXXX ; I received an incomplete validation response from the collector which did not address my 2 prior validation requests. I have no proof that they can even contact me to discuss this debt they claim that I owe or collect on the debt that they claim I owe because they have not provided proof- they could be scamming me for all that I know. So much time has passed since I requested validation of this account and the first contact that I received since my initial validation request was dated XX/XX/XXXX ( which I did not receive until XX/XX/XXXX ). Additionally, the information that they mailed to me does not prove the debt they claim that I owe is accurate as all I received was a contract that does not have their name listed anywhere on it as being authorized to contact me or anything real clarity regarding this alleged debt. I am contacting you because it has been over 90 days since I sent my initial validation letter and I feel that it is unfair that this is being reported on my credit report when they failed to validate the debt.
04/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19125	Web
For years 2 debt collectors have been trying to recover a false debt from me. I have checked my credit report multiple times over those years and the debt never appears and my identity has never been compromised. These so called debtors do not have my full correct name, and claim the charge is for purchasing gasoline in Nevada. I live on the East coast and have not owned a car in 20 years. Somehow these companies have my mailing address. The first company that approached me on this was : XXXX XXXX XXXX, XXXX Disputes Department XXXX XXXX XXXX XXXX, XXXX XXXX After sending them a registered letter informing them of all the reasons they have the wrong person, I reported them to the Consumer Financial Protection Bureau. Shortly after I started getting letters to collect the same debt from : Credit Control LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX I sent this company a similar registered letter, telling them if they bought the debt from XXXX XXXX XXXX that I had reported this in 2016 to the Consumer Financial Protection Bureau. Credit Control LLC via XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, SC XXXX ) recently sent me a lengthy request for proof of my identity theft ( which never happened ) and asked for more information about my identity. This is screaming RED FLAG to me, and I believe these false companies posing as debt collectors are actually the identity thieves. I will not be replying to Credit Control LLC any further, and instead I am sending this information to the Consumer Financial Protection Bureau hoping they will pursue this false, predatory claim. Thank you for your time.
12/07/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA 310XX	Web
This complaint is the result of credit control LLC calling my cellphone repeatedly asking for XXXX XXXX and claiming that my number is associated with that person. I have told them countless times that I have had my phone number since 2004 and at no time has XXXX XXXX ever had my number, as I have checked the records back beyond the 19 years I have had the number. I requested to speak to the Owner or Management and some woman came on the phone and stated that I could just leave a message for them - and when I stated that I had done that several times previously with no return call, she just said again, you can just leave a message. Two previous times Credit Control LLC called my cellphone a man just simply kept calling me XXXX XXXX and rambling on about owing a debt that needs to be paid right away. Another call made was quite threatening after I told the man to quit calling as XXXX XXXX does not and has never owned this phone number and I was told on that occasion, they had acquired a judgment against me ( calling me XXXX once again ) and when I said I am not XXXX XXXX, the man demanded to know my name, as he knows that I am XXXX XXXX so quit waisting his time, and demanding full payment of the debt I owe. This company has called my phone today alone, at least five or six times, with a few being hang-up calls. This has now gotten into harassment and because the owner or higher-level management continuously refuses to deal with this, I am now DEMANDING to speak to the owner of the record, to settle this matter, including the damages caused today alone.
08/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 152XX	Web
I cancelled my XXXX XXXX account in XXXX when I moved to a new residence. XXXX reopened my XXXX account without my consent after the move and incurred unauthorized charges. I tried to work this out with XXXX through XXXX but they were extremely rude and unreasonable. They eventually sent the account to a collection agency, Credit Control , LLC ; www.credit-control.com. Therefore, I reached out to Credit Control and we worked together on XX/XX/XXXX on a pay for delete agreement to remove the unauthorized account from my credit reports. The pay for delete agreement was : I paid the {$120.00} USD to Credit Control on behalf of the fraudulent XXXX account, in exchange for the account being removed from my credit report on all three major credit bureaus. I paid the agreed upon amount amount on XX/XX/XXXX. However, Credit Control has not held up their end of the pay for delete agreement. They collected the money, marked the account balance as XXXX balance but did not delete it from my reports. The agreement was a Pay For Delete and they are not holding up their end of the deal. I contacted Credit Control on XX/XX/XXXX in regards to their neglect to hold up their end of the agreement. They never responded to the email correspondence. I have emailed them again today, XX/XX/XXXX in hopes to reach them to remedy this issue. I am filing this complaint because they are not holding up their side of the pay for delete agreement. How can you trust a debt collecting company if they take your money, then do not hold up their side of the agreement?!
01/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33025	Web
I have contacted you by mail several times XX/XX/XXXX, XX/XX/XXXX. This is my final attempt to contact you through mail. I received an alert on my credit report that I have accounts that are in collections. I contacted the creditor, credit bureaus and sent a certified copy of a letter to you more than 60 days ago. I have yet to receive a response from any of you. The information that is listed on my credit report is unknown to me and it seems to be inaccurate. Placing misleading and false information on a consumer credit report without no viable evidence of any original documents of contracts with wet signature is a violation. Not being able to provide original contract documents with the consumer signature is a major violation. You are reporting a debt that is not attached to me as the consumer. I am aware of my rights and I will pursue litigation if this matter isnt resolve immediately and removed from all credit bureaus, secondary credit bureaus. I am allowing 3 business days for the removal of the inaccurate accounts. I repeat do not attempt to sell my personal information to any creditor bureau or company. If this appear on my credit report in the future I will be sure to continue my pursuant with litigation. You are the winner, believe that. This is not a threat. You have violated several laws in the FDCPA/ FCRA sections 609, 611, 807, and more I can go on and on. The account numbers are attached in a letter below in the attachments/document section The accounts that are inaccurate misleading and false. 1. XXXX 2. XXXX 3. XXXX
05/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35601	Web	Servicemember
Credit Control LLC XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX They have violated and harrassed me as they are a third-party credit collector and have called my home. several times and I have sent them notices of conditional acceptance to prove and validate that I owe a debt which is a violation of Article I section 10 clause 1 - Gold & Silver as coin only I reiterate, NO ONE TODAY CAN MAKE DEMAND OF PAYMENT IN ANY SPECIFIC COIN OR CURRENCY!!! This Bill of Exchange/Trade Acceptance I send is in accord with Public Law Chapter 48, 48 Stat. 112 and HJR-192 of XX/XX/1933 and the Uniform Commercial Code and is presented for the receiver to the federal Window, for settlement ( EFT ) within the 3 day Truth-in Lending time for settlement. As of 1933 a person has LAWFUL money of account to pay debts at law without becoming a tort feasor. ACCEPTED FOR VALUE and XXXX XXXX XXXX are lawful to discharge debt under Public Law 73-10, HJR-192 of 1933, Title 31 USC 3123, and 31 USC 5103 and by Treaty ; in this case the XXXX XXXX Convention on XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( XXXX ) and the XXXX XXXX XXXX Headquartered in XXXX XXXX. I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, the U.S. Congress provided the appropriate solution for me to settle my debts via the remedy in House Joint Resolution ( H.J.R. ) 192 of XX/XX/1933 under the United States, Public Law 73-10, and Public Law 48 stat. 112 ( among others ).
03/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	SC 29340	Web
on XX/XX/23 Credit Control LLC received my request for disclosures that Federal Law states that i suppose to have gotten while Im a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option
08/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of XXXX XXXX. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXX XXXX aka XXXX XXXX XXXX is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX aka XXXX XXXX XXXXXXXX. They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
01/25/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60657	Web
On XX/XX/24, I received an email notification from XXXX XXXX. It contained information about a creditor assigned and a debt owed. Confused, I checked my account, and noticed that there was a creditor/collections assigned to my account. I googled the collections agency information, and I found out that it has a connection to XXXX. Since it was around XXXX, I could not contact the creditor directly ; so instead I called XXXX. On the same day of the XXXX XXXX email, I called XXXX. The agent told me that he could not find me on their system ( he checked through my social security # and checked my wife 's as well ). He then made a comment about a phone line, and I told him that I never opened one with XXXX He then told me that I should call the collections agency assigned so I could open a identity theft issue. The XXXX rep gave me the direct line for the collections agency. I called the next day, and I spoke to XXXX. He looked me up, and found out that somone bought an XXXX. He also made a reference to North Carolina. He told me that the person ( s ) used my social security, date of birth, and a false XXXX and home address. He told me that he would put notice on their end of identity theft. He then provided me information like account # 's and the proper steps to fix the identity theft issue ( like file a police report, XXXX package, etc ). Since finding out on XX/XX/24, I have filed a police report with the XXXX Police Department and contacted XXXX and its creditors directly.
06/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22191	Web
On XX/XX/XXXX, I noticed I received a collection letter from Credit Control , LLC for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with a validation of the debt. This personal letter was mailed via USPS Certified Mail and arrived to the said agency on XX/XX/XXXX. Ive obtained all receipts and signatures that my letter was accepted by the agency. By FCRA and FDCPA consumer laws 609 ( c ) ( 2 ) E, 611 ( a ) 1 ( A ), ( 15 U.S.C.1681i ) they are to delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They failed to respond. I pulled my credit again on XX/XX/XXXX and their tradeline is still there. They can not legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation. They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. Please assist me in my request to have this illegitimate negation to my Credit score removed, as they have turned a blind-eye to my requests.
08/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92677	Web
XXXX XXXX, XXXX, XXXX XXXX XXXX, Credit Control LLC, and XXXX XXXX XXXX XXXX XXXX are all trying to collect a debt, the same debt, that I am not responsible for. Each time I inform one of these companies that the debt is not mine and provide them with the letter from the original creditor, I receive a letter from one of the other companies trying to collect the same debt on behalf of XXXX XXXX, XXXX. In XX/XX/XXXX, the original creditor of this debt, XXXX XXXX XXXX, performed an investigation and determined that I was not responsible for any previous or further balance on this account. ( Letter from XXXX XXXX XXXX Attached ) I notified the above companies of this on multiple occasions and included the letter from XXXX XXXX XXXX on the following dates. Tracking numbers are included XX/XX/2020 Notified via certified mail ( XXXX ) and fax XXXX XXXX, XXXX XX/XX/2020 Notified via priority mail ( XXXX ) XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via mail XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Notified via priority mail ( XXXX ) Credit Control , LLC XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX XX/XX/2020 Notified via mail and fax XXXX XXXX XXXX Each of the above were responses to letters I received from the above companies attempting to collect the same debt. I have also filed multiple disputes with the credit reporting agencies against this debt. Each time the debt comes back verified by XXXX XXXX XXXXXXXX.
07/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20001	Web	Servicemember
On XX/XX/2023 I received a collection notice dated XX/XX/2023 on my XXXX credit report from CREDIT CONTROL , LLC, that the original creditor : XXXX XXXX, shows a past due balance of {$2300.00} in my name for an address XXXX XXXX XXXX XXXX XXXX, TX XXXX. I have never had a XXXX XXXX account or been associated with that address or even been to the city of XXXX. After immediately contacting XXXX XXXX at XXXX on XX/XX/2023 ( forwarded to XXXX ), they refused to provide me with any account information until I produced a government ID in person at a store. The closest XXXX store is a 5+ hour round trip drive away from me. I have called the collection agency multiple times and left a detailed voicemail on XXXX during their posted hours however, there was no response. At this point, I do not know the account number, what product or service was purchased, or even what date the fraud occurred. I can not submit XXXX 's internal fraud report because I have no information to create a police report. I welcome the opportunity to verify my identity ( other than traveling 5+ hours ) and welcome an opportunity to work with XXXX should they provide it. XXXX XXXX XXXX XXXX XXXX XXXX ) failed to verify the identity of the individual opening the account. Now they fail to provide any proof of debt or any details about it. Furthermore, XXXX fails to have procedures in place for non-local consumers to prove their identity or resolve fraud issues.
11/17/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33634	Web
I have received a few phone calls from Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX Online Phone number is XXXX Asking if I have a debt or have cosigned a debt with XXXX ( I have never owned, financed or cosigned anything with XXXX ). I have not Financed a cars since XXXX and it through XXXX. I have never cosigned for anyone ever. They start out asking that I verify my birthday to see if the debt is mine- I have arugued that tehy are not supposed to ask for Non Public Information ( NPI ) over the phone the that it is my understanding that all requests fro NPI is to made by mail. I told this to the rep and stated that it seems that they are Phishing for info and the rep states that they must verify my identity in order to send me or provide me any info on the debt - such as when it was opened, for how much, the status and amount owed now. Upon giving me an address in XXXX he tells me that I can not go to the office they only deal over the phone. I did look them up online and appears this complaint is very common if it was in fact truly the same company. Credit Control , LLC XXXX XXXX XXXX XXXX XXXX MAIL Credit Control LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX The XXXX address provided when I looked up on USPS does not exist XXXX XXXX XXXX XXXX XXXX, FL XXXX Also, I did just pull my credit report today at XXXX and verified not only that I have no debt to XXXX but also that I have no inquiries with XXXX
01/30/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77545	Web	Older American
Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Mam, Credit Control , LLC XXXX has been writing asking me to pay {$920.00} on or before XX/XX/XXXXXXXX XXXX XXXX indicating my account will be considered resolved as a settlement. This type of letter was similar to what XXXX XXXX XXXX XXXX asked for in XX/XX/XXXX to pay {$3500.00} to settle my account. some disputes were made why my credit card was canceled. I tried to update my card to a current status. All attempts were made by me were denied. It was reported to wrongly to credit bureau said, I was the XXXX who requested cancellation. I decided to settle as to closed the account. It was agreed on both sides. XXXX XXXX cancelled my credit card because my XXXX card expired and I did not know. After receiving my money order of {$3500.00} as requested and agreed on the contract letter enclosed, XXXX XXXX failed to give a good crediting rating and kept the my money. The {$3500.00} was not monthly bill. It was agreement. If they failed they should return my money. Credit Control claimed authorized to off settlement for a second time. It is not right and not fair to trust them second time requesting {$920.00}. I have sulfured lot of pains and headaches. It has been on several dispute since XXXX Enclosed/Attached are copies of settlement letter and money payment records, supporting my position.
03/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 284XX	Web	Older American
XXXX XXXX, XXXX, I sent an email to Credit-Control requesting verification of an account with XXXX XXXX XXXX Their reference number is XXXX. I requested proof/verification of the debt within 30 days per the Fair Credit Reporting Act. They never responded in any manner. Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX cc : XXXX XXXX XXXX I am writing to inform you that this charge-off has not been proven. I have tried to resolve this with XXXX XXXX to no avail. I am requesting proof for the charge-off : 1. Reason for charge-off ( which reason supports the decision ) 2. Date delinquency started 3. Dates of payments from that time until the charge-off was placed on the credit report 4. How many days from last payment to charge-off date 5. Full details and explanation that supports the charge-off 6. The accuracy of the amount owed Please provide copies of all documents to me supporting your findings. According to the Federal Credit Reporting Act, you must prove the requested information. If proof of ALL of the above is not provided to me within 30 days ( by XX/XX/XXXX ), I am requesting that the account is not to be reported to the credit bureaus by you or any other collection agency ( meaning that you will not transfer or sell it to other agencies ) and no further collection attempts. Thank you, in advance, for your timely response.
07/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30260	Web
I'm writing to complain about Credit Control c/o " XXXX XXXX XXXX XXXX in which they claiming to represent them for an incorrect debt in the amount of {$700.00} on behalf of " XXXX XXXXXXXX XXXX '' I wrote and sent certified mail directly to both parties demanding validation of a contract showing that I owe this alleged debt. To no avail that has been submitted to me. I currently have an ongoing investigation with your assistance and the following reference number XXXX. Sadly, I have received another correspondence from Credit control after clearly stating in writing back on XX/XX/2023 that I do not owe the alleged amount to them, XXXX, and or XXXX XXXX XXXX. I asked them to submit in writing showing my wet signature of an agreed contract of this alleged debt, and showing that they are the authentic owner of the debt ( which I already know no such contract exist ) and I am within my rights to demand proper validation. I asked to not be contacted unless what I asked for is submitted, and yet as of XX/XX/XXXX I have another letter from Credit Control LLC telling me I have 30 days which to dispute or it'll be reported to my credit report. This is harassing and I am tired of it! I am asking for your assistance to stop all correspondence from Credit Control LLC, XXXX XXXX, and XXXX regarding the alleged debt in the amount of {$700.00} that I do not OWE!!!!
09/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 925XX	Web	Servicemember
Okay so I am a XXXX XXXX XXXX veteran. I received a letter dated XX/XX/XXXX on XXXX XXXX. It says I owe a debt that was from my chapter XXXX bankruptcy. I try to Call the number XXXX and no one picks up. Then it says they are too busy but to leave a message and can not leave one at all. Last year I had another debt collector harass me and try to collect on this debt. I took care of this once I noticed it was on my credit report and sent in my chapter XXXX bankruptcy discharge paperwork to all crediting agency 's in XX/XX/XXXX my dispute was completed and it was changed from a collections to a chapter XXXX bankruptcy. So this debt was already tried to be collected on from another place. How this place Credit control LLC got my info from XXXX or whoever baffles me I took care of this a year ago. I am in the process of buying a house and if this agency hits me with a collections I will not be able to purchase my house two years after recovering from my bankruptcy. To make things worse I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX retired veteran. Credit control llc XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX is trying to collect a collections debt that is not even on my credit report its like they made it up or something its insane I had my credit report fixed last year and it says it was discharged due to chapter XXXX bankrupcy. Please help me resolve this.
07/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 598XX	Web
Credit Control LLC contacted me about a debt collection from an account with XXXX XXXX. They were quite rude on the phone. Unfortunately I did give them my social security number to verify their account. They say I had opened and account with XXXX in 2022 and purchased XXXX cellular phones in XXXX. I have lived in XXXX in the same home address for XXXX years and have never done business with XXXX. I think they found my name and used that to link to a delinquent account that existed under the same name in XXXX. I think that when I gave them my social they tied it to the debt and put it on my credit report. I feel like they are happy to collect from anyone regardless of whether the debt was theirs or not. That same day I contacted XXXX 's fraud department and they had no account tied to my social or phone number, the gentleman that helped me was very kind. However he couldn't do anything as I didn't even know the supposed account number. Credit Control LLC has done something very shady and treated me like the criminal when I spoke with them. I reported the activity to my Identity Theft Protection service that day and now this debt is on my credit report. I am very angry and wish I had the means to seek legal action against someone who feels that they have the right to bully me and negatively effect my credit regardless of factual information!
04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
I am XXXX XXXX, a federally protected consumer and I am making another complaint against Credit Control LLC regarding an account that they purchased from XXXX XXXX XXXX. I have sent your company several correspondences, however, they always seem to go unanswered, or XXXX XXXX XXXX gets involved and types a computer-generated letter to " verify '' this alleged debt which continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given Credit Control LLC any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with Credit Control LLC and while I have not validated such a claim of debt this in turn can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, XXXX XXXX XXXX, CREDIT CONTROL LLC and myself, giving Credit Control LLC any right to collect on this alleged debt. It is my belief that Credit Control LLC is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA.
12/05/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	DC 20009	Web
XXXX XXXX XXXX XXXX employer XXXX XXXX has threatened me by telling me to leave the branch. All I did was exercise my consumer rights when I went to dispute the issue in person on XX/XX/XXXX. I entered a local branch with supporting documents to show XXXX XXXX XXXX XXXX is reporting inaccurate information on my consumer reports by using different XXXX XXXX XXXX XXXX addresses and using different account numbers on my credit reports and has not provided a copy of alleged agreement. Credit Control , LLC purchased this debt on XX/XX/XXXX and has also failed to provide a copy of agreement. Accordance to Bureau of Consumer Financial Protection page it states. " Under federal law, your credit card issuer is required to provide a copy of your agreement upon request ''. I have no valid contract from XXXX XXXX XXXX XXXX. I have made multiple attempts requesting this contract since XX/XX/XXXX. As of now, I have not received any valid contract from XXXX XXXX XXXX XXXX. They have failed to comply by continuing to report this information on my credit reports. XXXX XXXX reported me to XXXX XXXX XXXX making false claims that I came into the branch practicing acts of bad conduct. I am XXXX XXXX and he is allegedly XXXX or XXXX. He used the acts of misleading the Police to reverse the fact his client and himself has been negligent about this matter.
09/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90745	Web
Last week I received a letter from Credit Control , LLC stating that they are a debt collector trying to collect a debt that I allegedly owe XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX anything. I have never had any contract with or obligation to them. I dispute the entirety of the alleged debt. This is my formal notice to them to cease and desist all contact with me ( including spouse and family members ) from all sources other than the US Postal Services and that is if and only if, it is : 1 ) To provide documentation that validates the alleged debt, which should include all official, certified, unredacted documents, including all forward flow agreements, as well as the alleged original creditor information 2 ) To provide proof that I have any legal obligation to pay you or XXXX XXXX ) To inform me that you have zeroed this alleged debt and disassociated it from me 4 ) To inform me that you have removed all references to the alleged debts account number from all credit reporting agencies and that you have informed them to delete the same 5 ) To inform me that you have complied with this cease and desist and that you will not sell this account to another debt collector and/or 6 ) To inform me that you have issued settlement funds for violations for actual, civil, and/or statutory damages in an amount that is to be determined.
07/02/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23321	Web	Servicemember
To date, I have received no notices of debt collection, to include my right to dispute, from Credit Control, in accordance with XXXX Notice for validation of debts. I do not owe any debt to Credit Control, or any company, Credit Control claims to represent. I have never had any account nor contract with Credit Control. I never received any written notification regarding debt collection, I never received written notification that an attempt to collect this alleged debt was occurring nor did I receive any written notification of my right to dispute this alleged debt within 30 days. This is a violation of the Fair Debt Collection Practices Act. I do not owe any alleged debt to Credit Control or any secondary company. And I intend to sue and seek damages for each violation of FDCPA if this is not rectified. I challenge the validity of the debt, as I have had my accounts, email and other personal accounts hacked into and have had credit applied for in my name that I didnt initiate. I have continued to receive calls in attempts to collect a debt that I do not owe. I had the same issue with this company in 2019, and filed a complaint with CPFB. I am a XXXX veteran and I do not owe any debt and want the calls and attempts at collection to cease. If this does not cease, I will retain counsel and seek compensation for damages.
01/03/2024	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	TX 75206	Web	Servicemember
I do not have a contract with Credit Control, Account # XXXX and do not owe this debt collector the stated {$18000.00} as reflected in the email correspondence they keep sending me, the consumer. The original creditor, XXXX XXXX XXXX XXXX, has charged off this Account # XXXX as of the following date : XX/XX/23. This debt has been charged off by the original creditor, which means that the debt has been paid and is considered income. Since a Charge-Off is considered income, it has to be removed as well. Income can not be reported on credit files according to IRS regulations as they are considered a certificate of indebtedness and it is possible that a 1099-C will be issued. I kindly request assistance in reviewing the charged off amount associated with the original creditor and also request that an inquiry be made to the third-party debt collector, Credit Control for actual verification and validation affirming that they have a contract with me bearing my signature. XXXX XXXX XXXX XXXX AND CREDIT CONTROL in accordance with the Fair Credit Reporting Act have violated my rights. 15 U.S.C 1681 Section 602 A. states I have the rights to privacy. By providing misleading information, this has affected my ability to receive credit and I demand that this erroneous debt be removed from my credit file immediately.
12/30/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75206	Web	Servicemember
I claim my name, I claim my mind, my soul, my spirit, my birth record as a member of one heaven, and I reject any assumption or presumption of being considered property within a trust under a UCC ; Uniform Fraudulent Transfer Act ( TUFTA ). It involves transferring assets or property with the intention to hinder, delay, or defraud creditors, which is essentially what the act aims to prevent or remedy. The Fraudulent Transfer Act. Could you please provide the documents related to how you comply with accounting standards such as FIN 46 ( XXXX ), IAS 32, IAS 39, IFRS 7, and regulatory codes like Basel II? Specifically, I am interested in understanding how you handle the consolidation of Special Purpose Vehicles ( SPVs ) in line with FIN 46 or IAS 32/IFRS 7 guidelines, and how you ensure compliance with risk measurement and capital requirements as per Basel II . the practice of treating Asset-Backed Securities ( ABS ) transactions as off-balance-sheet items might be considered fraudulent under certain conditions. mens rea In All True-Sale, Disguised Loan And Assignment Securitizations, The Conflict Of Interest Inherent In The Sponsor Also Serving As The Servicer, Constitutes Fraud And Conversion : 15 U.S.Code 1681g 15 USC 1681g 1681g - Request for a full file disclosure and the sources of its information.
01/07/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23185	Web
I was contacted by Credit Control on a date that I cant remember at worked and asked them not to contact me at work and gave them an alternate number and time to call back at. I went on vacation at work and they continued to call my office and others at my office and talked to them about my debt when they could not get a hold of me. Then the contacted me when I returned to work on XX/XX/2020 at XXXX and I spoke with a XXXX who again called someone else at my office first before being transferred to me. They do should not have a main office, as if they have a line it should only be my direct desk line. I asked her to please stop calling my office. I tried to not have a conversation with her as i work in a cubicle and all of my coworkers can hear the conversation, but she pushed me to speak her. I am humiliated because now because of this company my direct co workers and co workers outside of my department now know about my debt. Then today XX/XX/2020 at XXXX XXXX from Credit Control calls again after i asked to have this number removed again! He states that there were notes placed on the account from the call yesterday. Again I am utterly embarrassed. I have to go through the same process today as i went through yesterday, but I am even more upset because fair debt collection laws are being broken!!!!
05/05/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 384XX	Web	Servicemember
In XXXX of XXXX I terminated my internet connection with XXXX XXXX. I had been a customer for many years and never been late one time on monthly fees. At termination of service, XXXX sent me a box to return the equipment via XXXX. The equipment was promptly packaged and returned as instructed. I absolutely had no need for the equipment and was glad to get it out of my way. In XXXX of XXXX XXXX billed me for the equipment. Prior to packing the equipment, I took a picture of the shipping label. I provided that information to XXXX. I assumed that met their requirements. A few months later I was contacted by a debt collection agency. I provided the same information and they continued to insist I owed this debt. After a few more months a second collection agency contacted me and in addition to asking me to pay for the returned equipment they stated I did not pay a monthly service fee. Again, I provided the information and this time provided proof that the monthly service fee was paid. Now I have been contacted by a third collection agency and again I have provided the shipping information. It is not my fault that this happened during the XXXX lockdown timeframe. I am very frustrated by this whole process. In addition, doing a quick XXXX search shows this seems to be a common business process.
08/30/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NC 27513	Web
I am writing this letter due to the actions that Credit Control , LLC has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company. They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation for with Credit Control , LLC, and that they have purchased from the original creditor. For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. Sincerely yours, XXXX XXXX
02/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85297	Web
Good evening, I recently paid a collection account in full on XX/XX/21. I proceeded to submit a dispute with all 3 bureaus to have the collection account removed from my credit report or my report updated to reflect showing paid in full. I received notification from XXXX on XX/XX/21 indicating that my dispute yielded updated information, however the dispute did not accomplish my goal. That updated information indicated that as of XX/XX/21, my account was past due for the full balance remaining of {$1200.00} and remains an open collection. I want to file formal FCRA violation complaints against XXXX XXXX XXXX and Credit Control LLC. The former is the collection agency showing on my credit report and the latter is the company that is showing on my bank statement as receiving my payment. I have never entered into ANY contractual agreement with either company and a web search of both companies shows that they are separate entities with separate addresses, yet I dialed a single phone number to a single company ( XXXX XXXX XXXX. ). Please research my claim and inform these companies of their formal FCRA violation. There should be no reason why a debtor pays a debt in full yet the creditor reports false and/or inaccurate information to the credit bureaus after the debt has been paid in full.
10/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30083	Web
I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. My request was sent certified mail on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau. The company Credit Control , LLC continue to ignore my request.
03/31/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WY 825XX	Web	Older American
I received a letter from Credit Control , LLC which claims their client XXXX XXXX XXXX has " purchased '' an account from XXXX XXXX XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX anywhere near {$14000.00}. Credit Control is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. Credit Control has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. Credit Control has not identified any specific person at XXXX XXXX or any contact information for XXXX XXXX to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at Credit Control and XXXX XXXX that can be named in subpoenas for deposition and litigation.
06/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 961XX	Web	Older American
My complaint is against Credit Control LLC which has called me 4 times in the past 6 days. I am on the do-not-call list and have been for many years. Call # 1 from XXXX on XX/XX/XXXX at XXXX XXXX was robocall which I did not answer, but blocked that number on my phone. Call # 2 was from XXXX again on XX/XX/XXXX at XXXX XXXX. I again ignored the phone call and it left no message. Call # 3 was from XXXX on XX/XX/XXXX at XXXX XXXX. I did not answer the robocall but called the number back and spoke with a representative. They were looking for XXXX XXXX. I informed him that no such person was connected to my phone number for at least the past 15 years. I also informed him I am on the do-not-call list and told him not to call me again and to take my phone number off their list. He said he would correct the list. Call # 4 came today XX/XX/XXXX from XXXX at XXXX XXXX. I did not answer the robocall but I called that number back. The representative said they were looking for XXXX XXXX, and I explained again that no such person is connected to my phone number. I told him I was on the do-not-call list and not to call me again. I am frustrated as XXXX with XXXX XXXX which daily interrupts my life, which defies the do-not-call list and my repeated requests to stop calling me.
06/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL XXXXX	Web	Servicemember
The primary statute in Illinois requiring licensing in the area of debt collection is the Illinois Collection Agency Act. ( 225 ILCS 425 et seq ). Under the Act, anyone acting as a collection agency must obtain a collection agency license. An entity is considered to be acting as a collection agency when, among other things, it engages in the collection of debts for others or buys accounts, bills or other indebtedness and engages in collecting the same ( 225 ILCS 425/3 ). Debt collection is defined as any act or practice in connection with only consumer debts 225 ILCS 425/2 ). Even out-of-state debt buyers must be licensed, if they buy and sue on consumer accounts in Illinois ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ). To obtain the collection agency license, a {$750.00} fee must accompany the application, along with a bond for {$25000.00}. The applicant must also provide an employment history, financial statement, employee identity listing and trust account financial report. Please provide the following : you signed the application the entity suing you purchased the right to collect on the debt the balance claimed as being due is calculated properly the loan has not been rendered unenforceable due to the expiration of the statute of limitations
11/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 79109	Web	Servicemember
In XXXX I purchased a show car that only had XXXX miles on it from XXXX XXXX, XXXX XXXX, ( XXXX ) XXXX. The car started breaking down and when it did, I had only had it for a year. The XXXX broke after I received my free oil change from them, it was working fine when I pulled in the XXXX parking lot. I got it back it didn't work. I previously had a XXXX XXXX in addition to the XXXX XXXX, and its XXXX was still working. I called and filed a complaint ; they couldn't help me unless I paid {$450.00} to them. I told them the car had a recall on the airbags and that's dangerous for me XXXX XXXX. They said I would still have to pay {$450.00} to have it checked out. So, I called the corporate office to see if they could help me get it fixed or place me in another car. They said to call the dealership back and tell them to help me. They still said I had to pay to get it checked out. And refused to put me in another car or fix the problem till I gave them money. Also, the baring 's on the wheels were worn out and I only had it for a year. They told me nothing was wrong with the car because it was a show car, and no one drove it, but it had XXXX miles when I bought it. They didn't help me, so I gave the car back, they reported the same car twice as repo on my credit report.
07/07/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33015	Web
I received a letter on XX/XX/2022 FROM A COMPANY NAME Credit Control LLC attempting to collect a debt that I do not owe... This is the second time they have attempted this collection. I responded to them on XX/XX/2022 sending them a copy of a XXXX Police Department Police Report that I filed, along with a police case number and the case number card, also I sent them a copy of a FEDERAL TRADE COMMISION IDENTITY THIEF REPORT. I then included a debt validation letter requesting full validation pursuant to Federal Law 12 CFR 1006.34 a debt collector is required to provide a consumer who owes or allegedly owes a debt five categories of validation information : 1. Debt collector communication disclosure 12CFR S 1006.34 ( C ) ( 1 ) 2.Debt related information ( 12 CFR S 1006.34 ( 2 ) ( i ) ( v ) : 34 ( c ) ( 2 ) ( ix ) 3.Itemzation Related information ( 12 Cfr s 1006.34 ( 2 ) ( vi ) ( viii ) 4. Consumer Response information ( 12 CFR S 1006.34 ( C ) ( 4 ). Please be advise they have 30 days to give me full disclosure of all these documents. I am enclosing a copy of the debt collection rule section 12.1 and 12.1.1 Furthermore this alleged debt that they are trying to collect is passed the Florida statue of limitation and is and uncollectable debt per Florida LAW.
03/23/2022	Yes	Checking or savings account Checking account	Opening an account Unable to open an account	GA 30078	Web
I contracted XXXX was hospitalized, I there were some discrepancies that happened with my business account due to my daughter accidentally using the wrong card in her effort to assist me as I was unable to handle my affairs or return to work. It took me a while to recover from the effects of XXXX. I am trying to restore my business and open another account due to this one being closed. I sent payment with the most recent communication I received from the debt collection agency as well as communication via email. On XXXX I called to verify if payment was received, and it was verified they received it on XX/XX/2022. The representative stated it was sent to original creditor. I asked for communication regarding receipt of payment as well as closure regarding the collection as the balance has been received and paid in full. I also sent communication in writing via email, and received no response. I was told by the representative that I had to wait 30 days, of which did not make any sense as the account has been resolved with payment in full. I am trying to establish another account so I can conduct business and I need written resolution an closure regarding this debt as it was an account closed associated with my business. .
10/07/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
Beginning XX/XX/2020, I was contacted by Credit Control. I answered the phone, and the individual requested my information. I refused to give, as I am under no obligation to provide my private information to an unknown and unverified caller. Since then, I have been getting repeated robo-calls from this " credit provider ''. One phone call, they asked for a XXXX XXXX, who is not me. They use several robo call dialers, and when you try to return the call to request information, you are required to leave a message with your personal information rather than talk to a person. Since then, I have sent them a cease and desist letter and email to their complaints division, but that has only increased their calls from multiple numbers. XXXX ; XXXX ; XXXX ; XXXX. To date, I am unaware of ANY debts owed that have been sent to any collection agency, as I have been current on all my loans and financial obligations. I have requested for information in writing, to which I have been hung up on. This company has been so aggregious in its communication tactics that it deserves to be investigated and reprimanded for its harassment on a person who has no account with them and of whom they can not confirm they have an account that applies to me.
09/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30032	Web
I received a letter dated XX/XX/2020 from Credit Control , LLC trying to collect a debt from XXXX XXXX in the amount of {$8800.00}. On XX/XX/2020 I sent a dispute letter by certified mail to Credit Control , LLC informing them that the debt was not valid and asking for proof that I actually owe it. Credit Control , LLC received this letter on XX/XX/XXXX. On XX/XX/2020 I received my monthly credit report and saw that the debit in question was placed on my report which brought my credit score down 60 points. That same day, I contacted Credit Control , LLC to ask them to remove the fraudulent collection from my credit report. I informed them that I mailed my dispute within the allotted 30 days and that they can not place the collection on my report without proof that the debt is valid. They stated that they were told by XXXX XXXX to place it on my credit report and they they had to wait to get the proof of the debt before they would remove it, which is the opposite of how this process works. The representatives from Credit Control , LLC did not seem to understand the basic rules of credit reporting, and that their actions were illegal when they placed the collection on my report BEFORE receiving proof that it was valid.
05/20/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 20772	Web
On XX/XX/2019 I deposited, into my personal XXXX account, a check at the direction of my emloyer in order to conduct business on his behalf. 5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called XXXX corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed XXXX the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). I hope something good will happen. Thank you
07/26/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10469	Web
I do not have a contract with the companyCredit Control sent me a dunning letter XX/XX/23 i responded with a dispute to challenge debt XXXX XXXX never sent a dunning letter to put anything on my credit file also XXXX XXXX the debt collector Credit Control LLC XXXX XXXX Credit Control Collections LLC are all companies of XXXX XXXXXXXX XXXX does not have my express written consent or any permission to have my information, it is Identity theft the company Credit Control does not have. my permission to contact me NY State Law clearly states in XXXX Right to Privacy, 18 USC 1028a states Knowing use without Lawful authority of Information of another person is a violation, copyright violation see attached, FDCPA state Federal Law 15 USC 1692c ( c ) states communication no consent was given to collect at all it is a violation of my right to privacy unauthorized use of my credit report card 15 USC 1602 ( p ) I did not I do not consent to this debt collection company having or using my Information without a permissible purpose 15 USC 1681b to collect on a debt see Wadlington V Credit Acceptance Corp or substantiation of the alleged Debt see 23 NYCRR part 11.4 Department of Financial Services V Foster & Garbus
10/18/2020	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 168XX	Web
for the last 6 months i had at times multiple calls daily. early in the morning, last at night all weekend long.im not getting calls from a 5th different number in the same time frame. from the 3rd different company referring to this account. ive spoken to a few different people to attempt a resolution for the account. none of which were manageable with this current financial crisis we are facing. with trying to keep my kids taken care of and more important bills under control. im just sick of being harassed by anyone trying to collect on this. i get it, its a debt that needs addressed. but, they will literary have to wait their turn. as a closed account and negative mark on my credit report, which stands in my way of doing important things like getting the mortgage on my house, so i can lower my money bills. they are literary standing in their on way preventing me from saving money money on bills to be able to afford to address things like this and while at the same time making me never want to look at my phone. i see their numbers so often i almost know by heart. i wouldn't be so upset at the situation, but they don't need to call me something like 500 times to tell me what i already know.
05/20/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NY 11104	Web
This company Credit control , LLC Duba Credit control & collections LLC has consistently been contacting my friend 's cell phones. Disgusting my debt, and today my friend reached out, asking me who are you owing money to because some lady just called me and discussed your entire finances. Gave them settlement amount and told them they can settle for XXXX of the price but we leave a good remark on the credit report After speaking to the lady had manager advisor, why are you contacting people that have nothing to do with my debt. She on a recorded line, admitted that I am not XXXX and whoever the other person Is that she's talking to is not me she discussed my dip with third-party people over and over again I have advise them to reach out and ask for FTC regulations. Not only did she discuss my debt with an associate, but also kept threatening to obtain the new living address of me. Incorrect information threatening on the phone, discussing my debt with third-party people. She has already broken the regulation set out for phone and collection companies. invalid due to incorrect information. On XX/XX/2023 they spoke two different parties of the company breaking FTC guidelines
01/16/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 119XX	Web
My ex husband had a business which I had a XXXX XXXX XXXXXXXX card in the business name that was granted his in the divorce proceeding. It was sent to Credit Control collection agency who called me OVER 10 times a day. I paid a few payments until the judge deemed it his debt. At that point I sent a debt validation letter along with a cease from ALL contact request and asked for proof of all of the applicable information from this debt collector certified returned receipt requested ( sent XX/XX/XXXX tracking XXXX XXXXXXXX was received XX/XX/XXXX ). I only received PARTIAL information back which in turn makes it so they can not report to the credit bureaus. This company has not so far however they continue to call and harass me. I received yet another call XXXX XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXXXXXX. As previously stated this is NOT my debt and I informed to refrain from contacting me. I suffer a very serious medical condition ( XXXX XXXXXXXX XXXX ) and the constant harassment is causing pain and suffering on my health. I do have photos of the receipt from the post office if required including tracking number listed above FINAL DECREE ATTACHMENT PAGE XXXX
06/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33024	Web
I sent an Affidavit of Truth and an Invoice to Credit Control LLC, here is the tracking # XXXX. I also sent an Affidavit and an Invoice to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They have not paid out the invoices and had the negative items deleted from my credit report. These companies have violated 15 USC 1692. ( C ) ( A ). 15 USC 1692K, 15 USC 1692. ( B ) ( 2 )., 15 USC 1692. ( B ) ( 5 )., 15 USC 1692 ( D ) ( 2 )., 15 USC 1692 G ( A ), 15 USC 1692 ( B ) ( 4 ), 15 USC 1692 C ( 1 ), 15 USC 1692 ( E ) ( 1 ), 15 USC 1692 ( F ) ( 8 ) ( 8 ) 15 USC 1692 ( D ) ( 5 ). Based on these laws I can collect these damgages15 USC 1692K. Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of, any actual damage sustained by such person as a result of such failure : in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}. Theses companies have reserves multiple invoices under the same tracking numbers.
06/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 810XX	Web
I disputed the validity of this debt with Credit Control. I asked for specific information to verify the debt. As required by the FDCPA. I asked for 1 ) A Signed original copy of the contract between myself and the original creditor. 2 ) The proper legal assignment contract between you the collection agency and the original creditor. 3 ) proof that you are licensed to collect debts in Colorado. 4 ) A line by line accounting of the ORIGINAL account ( transaction history, a full breakdown, not just pages and pages of a n account in the negative being charged fees. 5 ) Proof that you the collection agency are in compliance within the statute of limitations in the state of Colorado. I have attached the original letter requesting to confirm the debt. I also attached their response. Pages and pages of phone numbers that i don't recognize. Credit Control doesn't get to dictate what they will or won't use to verify a debt. I would caution Credit Control in continuing to harass me. I have taken numerous credit collection agencies to small claims court and won. CFPB please see all of the attached documents i have provided. Credit Control is in violation of FDCPA
06/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 088XX	Web
On XX/XX/XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XX/XX/XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times. Not too long ago, I received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with XXXX XXXX. I submitted a complaint thru CFPB and unfortunately all happened was that the account was transferred to a new collection name CREDIT CONTROL LLC. I recently have been receiving multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the above stated one.
10/22/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	FL 339XX	Web
Credit Control , LLC with an address of XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Principal Contact for the company is XXXX XXXX, ( XXXX ) XXXX. All previous debts have been managed under POA with a Debt Consolidation company. All creditors were notified by the company. The debt is listed with an Original Creditor named XXXX XXXX XXXX XXXX, property and casualty, XXXX # XXXX, as a description with License number XXXX sent a demand letter for a defaulted mortgage, Account # XXXX in the amount of {$4500.00}. Debt Collector advised call was recorded but did not identify as a debt collector or provide XXXX XXXX. I advised him I have never owned a home let alone a mortgage. He then began to tell me that it was not about a mortgage but other things. Debt collection office has an outstanding Class Action in Florida for deceptive practices and several of these deceptive practices were used. Collections was advised I had compliance experience and I would file with the state and Government. Stated did not care. XXXX v. Credit Control , LLC - XXXX
06/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web	Older American
I need your help to stop this deceptive practice and fraud for bills that I did not own. I always asked the Lab for insurance cover/billing before any service was performed and was told yes/accepted. I was told it is covered 100 % with no co-pay and will be billed directly to the insurance company. Instead of sending the bill to XXXX XXXX XXXX send my name to Credit Control , LLC for collection to hammer my good credit for no good reason. I understood it was paid when I told the doctor 's office XXXX XXXX months XXXX XXXX sent me a bill of {$110.00} since XXXXXXXX XXXX. I called the number provided in bill XXXX XXXX many times always a voice mail with never return calls. XXXX XXXX XXXX office confirm it was covered 100 % before sending me to this Lab. Also, I contacted XXXX and confirmed it was covered as part of the annual check-up and paid. This type of deceptive practice and fraud for more profits need to be stopped, business-like XXXX XXXX must face consequences for rip-off many XXXX like me. Thank you for all your help and I am looking forward to hearing from you.
08/14/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	TX 75224	Web
I am a consumer, natural person and original creditor. A letter was received from Credit Control LLC on XX/XX/2021 alleging as fact that i owe XXXX XXXX XXXX XXXX {$4200.00}. No money was given to me by this institution and would like to know where the bank got the money from that they alleged i owed. Credit Control LLC violated 15 USC 1692b ( 5 ) by advising that they were " attempting to collect a debt '' which 15 USC 1692b ( 2 ) states that a debt collector can not state a consumer owes a debt. Pursuant to 15 USC 1692c ( a ) they sent communication without prior consent and committed identity theft by creating an account in my name without my knowledge. XXXX XXXX XXXX XXXX is also in violation because this is an invasion of individual and family privacy. Pursuant to 15 USC 1692d ( 2 ) Credit Control LLC violated me by demanding that i " submit '' or " make a payment '' to them. Pursuant to 15 USC 1692f ( 1 ) that's a violation to attempt to collect a debt unauthorized by an agreement between parties. I have no contract with them nor have i ever done business.
02/20/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	AL 360XX	Web
I am a victim of identity theft and i mailed this letter to the company and i went on the company website to send this letter. and when i did. i was violated because i am sending a cease communication and the ONLY way for me to submit the email was to consent for communication. and there was NOT an OPTION to opt out on ALL COMMUNICATION with the COMPANY. XX/XX/2023 CREDIT CONTROL LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : XXXX Dear CREDIT CONTROL LLC, I am responding to your contact about a debt you are attempting to collect. You contacted me by PHONE, on XX/XX/2023 AT XXXX XXXX XXXX and MAIL dated XX/XX/2023. You identified the debt as XXXX XXXX XXXX. Please CEASE all communication with me and with this address about this debt. Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. Thank you for your cooperation. Sincerely, XXXX XXXX
11/23/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
A letter dated XX/XX/XXXX from CREDIT CONTROL , LLC., stating that I owe them a debt for {$14000.00}. The Original Creditor waXXXX XXXX XXXXXXXX XXXX, XXXX, who previously charged off the alleged debt. I have no contract with CREDIT CONTROL., LLC XXXX They are threatening me by stating they will submit a negative credit report. Which is a violation of 15 USC 1692d ( 1 ). Amongst other violations committed. I do not owe them anything I do not know who they are. They are communicating a false debt under 15 USC 1692e ( 8 ). They are communicating False representation. All caps name, stating consumer owes debt 15 USC 1692b ( 2 ). They are in Communication without prior consent violation of 15 USC 1692c ( a ). They are using false, deceptive or misleading representations in violation of 15 USC 1692e. They are using obscene/profane language accusing me of owing an alleged debt which is violation of 15 USC 1692d ( 2 ). The communication between CREDIT CONTROL , LLC. and XXXX XXXX XXXX, XXXX, about me is in direct violation of my privacy per the Privacy Act of XXXX
02/02/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	FL 33125	Web	Older American, Servicemember
To whom it may concern, My XXXX XXXX was closed and sent to collections without notice - this account was opened and active since XXXX. I received a letter from the collections agency which I called to verify and confirm the information as I had not received any Statements from XXXX. I'd like to request the following information : Why was the account closed? Where are the last statements prior to the account closing. When was my last payment and what was the balance after that payment posted. My last payment to XXXX was XX/XX/XXXX in the amount of {$47.00}- which was the last time I received a statement. I have always elected for paper statements to my address and nothing has changed since XXXX. I have contacted both Credit Control , LLC and XXXX XXXX and both have advised they have no records of the account. ( Disputes have been made with both to no avail ) I need an immediate response or this to be completely removed from my credit! I have been requesting this information since XX/XX/XXXXXXXX XXXX XXXX Thank you, XXXX XXXX XXXX XXXX
02/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11414	Web
Originally disputed this fraudulent collection back earlier and was able to remove it from my credit report. I then later check back a week later and see that the agency added the collection again as a new one starting a new time frame along with hurting my credit significantly as I recently applied for a credit card and was notified that I was rejected solely due to this collection issue. I've reached out to the collection agency regarding this account as it shows it's from 2017 back when I was merely XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID to show valid information that this account was opened under fraudulent methods and the things they are doing are illegal yet no action from them. I'm already thinking of filing a police report if that can somehow help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me.
01/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77532	Web
I was charged a contract termination fee from a wireless company 10+ years ago even though I was no longer under contract with them. This amount was sent to a collection agency. I contacted the wireless carrier and the issue was handled but the collection company continues to send me letters/bills for a {$500.00} balance that is no longer owed. I have told them repeatedly that this is inaccurate and that the debt is not valid. They then send me copies of old cell phone bills showing the amount billed even though it is not accurate. This collection no longer shows on my credit report and they continue to ignore requests for them to stop contacting me, especially since it is well past the statute of limitations in Texas where they can take any further action towards me. Also, the most recent letter shows that the original creditor was the wireless provider and then current creditor as XXXX XXXX XXXX XXXX XXXX but the letter is addressed from Credit Control LLC ... which gives the appearance that they just continue to sell my information.
09/15/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 34787	Web
I have contacted this company and their affiliates multiple times via Priority US Mail delivery with confirmation to dispute the debt and to inform them to cease and desist contact with me. They persist. They do not care or fear the rules of the FCRA. First contact date ( this year ) - XX/XX/2022 ; Dispute mailed via USPS Priority mail Second contact date - XX/XX/2022 from affiliate ; Dispute mailed via USPS Priority mail Third contact date - XX/XX/2022 ; Dispute mailed via USPS Priority mail Fourth contact date XX/XX/2022 ; Complaint filed with CFPB This company has contacted me in prior years at other addresses as well, which I have a record of. I responded and disputed their claims then as well. The company will send me a collection letter, I'll dispute it, provide my Federal Identity Theft Report, denial of ownership of debit, other information, and/or cease and desist response ; then they will respond with an unrequested " validation of debt '' and persist to contact me. Rotating the account from affiliate to affiliate.
01/11/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MO 650XX	Web
Hello, I would like to begin by stating that a portion of the debt is valid and I am willing to continue to pursue a settlement. The main cause for filing a complaint is the lack of communication with the debt collector, Credit Control Services, LLC. I have responded repeatedly to notices of the debt to begin finding a solution or settlement. However, I have not received a response from the debt collector acknowledging they have received written communication from me, or that they desire to attempt to settle the debt. Since I can not obtain any information or communication from the collector, and because a reasonable amount of time and attempts have passed to find such a solution, I am requesting that the debt be canceled and any negative items added to my credit report be retracted or withdrawn. I have attempted to contact Credit Control, LLC., on four ( 4 ) occasions and have attached copies of the two most recent files I have sent by USPS . The two most recent letters were sent by USPS on XX/XX/2020 and XX/XX/2020.
01/23/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33435	Web
On XX/XX/XXXX at XXXX XXXX a representative named XXXX called me stating he needed to verify my social security number for a business matter. I requested for him to disclose where he was calling from and he insisted that i needed to verify my social prior to. After explaining to him that he must disclose who and where he is calling from he stated it was credit control llc. He would not provide any further info regarding what the debt is. I requested he not call back. On XX/XX/XXXX at XXXX the same Representative called back requesting i verify my social again for a business matter. Again he did not disclose where he was calling from. He stated that he had my full social security number, my date of birth, and address. I told him if he had my address why have i not received any documents regarding said debt. He got annoyed and insisted that it was MY JOB TO UPDATE MY ADDRESS EVERY YEAR. I told him if he indeed has my info to send a debt validation letter and to not call back, that i would once received.
09/25/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CO 80013	Web
XXXX XXXX I got a letter in XXXX from Credit Control , LLC in the amount of {$500.00} I've called several times and was able to get a hold of someone who spoke XXXX and mentioned that this account didn't belong to me as the Name and address did not match, this was removed on XX/XX/XXXX and then 28 days later on XXXX XXXX I noticed that there was a new Collection from XXXX XXXX XXXX, for {$500.00} I have tried several times to contact and finally got in contact with them they mentioned that I due owe this amount, I've asked for proof in writing and I get nothing back, yesterday XXXX XXXX I got a letter stating I owe {$460.00} how is that possible? And on my credit report it showes I made a payment of {$38.00} on this account? I do believe that this is fraudulent can no one tell me where or how my payment was made. I'm reaching out to get this resolved because it's effective my overall health of life, my credit score has dropped significantly that I can't even apply for any line of credit. Please HELP
09/22/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY XXXXX	Web
I am the consumer natural person making this report notifying Credit Control of there Federal violations pursuant to federal law. Pursuant 18 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 Credit control LLC & XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.
04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22204	Web
On XX/XX/2023. I called to settle a debt with a company named XXXX XXXX. They bought a collection from XXXX and XXXX XXXX. I paid {$1300.00} and {$760.00}. I was told that they would remove the collection from my report since the debt had been paid off. I was provided documentation stating it was settled in full and paid. I disputed the items multiple times and every time the results came back it would say nothing was settled and the results haven't changed. I have reached out to XXXX XXXXXXXX and informed them on this and they said it should've been settled since I paid them. Given the nature I also had another company reach out to me saying that they owned the debt that I had already paid XXXX XXXX. I had to send them documentation proving the debt was settled. I need to know why it keeps coming back as nothing has changed and that I still have this debt if it has been paid and there is documentation proving the settled debt. It is absolutely tiring that this continues to happen.
09/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 45040	Web	Servicemember
I received a settlement offer from Credit Control LLC for an unpaid debt that I owed to the XXXX XXXX for a XXXX XXXX XXXX account. The total amount owed was {$2100.00}. The settlement amount offer was a XXXX time payment of {$740.00}. I paid the settlement amount in one payment. Once paid, Credit Control first argued with me and stated that they do not send letters stating that the settlement amount had been paid to the consumer, only to their client. After receiving an email regarding an account that wasn't even mine and four phone calls to a supervisor with Credit Control named XXXX XXXX I was finally emailed a letter stating that I had made the final payment. I was then contacted by XXXX that there had been an update to the account on my credit report. Upon receiving the update I was made aware that the company stated that I still owed the remaining balance on the account, even though they offered me a settlement, I paid it and was told that the account was resolved and closed.
08/15/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30067	Web	Servicemember
I contacted XXXX after undergoing XXXX about charges I did not authorize and also sent XXXX a copy of the police report. XXXX fail to investigate and fail to do anything about this account and the unauthorized charges. As of today, XXXX has done nothing but ruined my credit report, have debt collectors harass me along with selling the account to junk buying debt collection companies. I contacted an attorney and will be filing a lawsuit against XXXX, XXXX and Credit Control for harassing me with a false account and monies I dont owe. I even asked XXXX for copies of signed receipts and signatures and check counters and still no information. XXXX allowed these unauthorized charges while I was in the hospital receiving XXXX. I will not stand for this at all. I am not sure why they are trying to settle with me on an account that I did not authorize charges. I would like to receive a copy of every receipt and signature for each and every transaction. I do not owe any money to XXXX.
01/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33598	Web	Servicemember
XX/XX/2022, I pulled my Credit Report and I noticed that inaccurate information was reported by XXXX XXXX, XXXX. I had no prior knowledge of this alleged debt and I have never given XXXX XXXX, XXXX and other companies who are associated with them such as XXXX XXXX and Credit Control XXXX LLC my personal and private information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). I have never been in contact with XXXX XXXX XXXX No information was validated with me as the consumer pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ( 5 ). XXXX XXXX, XXXX is a third-party debt collector. XXXX XXXX, XXXX has furnished information on my consumer report without my knowledge and permission. I have sent XXXXXXXX XXXX XXXXXXXX and all associated parties such as XXXX XXXX, XXXX and Credit Control LLC a letter has been mailed and delivered Reference ID : XXXX TRACKING ID : XXXX, XXXX, XXXX, XXXX. All documents have been mailed, delivered, received.
10/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 77396	Web
I received a letter from Credit Control , LLC stating that they are a debt collector and they are trying to collect a debt that I allegedly owe to XXXX XXXX XXXX and that they will use any information i give them to help collect the alleged debt. The letter goes on to say that I had an account from XXXX XXXX XXXX, XXXX. and I allegedly owed them XXXX. I am not sure how these companies got my information, because I did not give it to them. This is fraud and identity theft. I did not give these companies permissible purpose or any other authorization to have, use, buy or sell my personal information. I am being preyed upon by these organizations and it seems that when XXXX company tries to extort me and are unsuccessful they sale my information to another company and repeat the process. These companies have damaged my credit and defamed my character. I am a consumer and I do no not owe theses companies. I have a right to privacy and these companies have violated my rights.
04/11/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 799XX	Web
I paid my phone ( device ) completely then stop paying the monthly line for money issues and resulted in disconnection. Then XXXX XXXX gave my debt to a debt collector agency called Credit Control LLC and they dont have any evidence that I owe them anything. Also XXXX XXXX has been furnishing a late deliquency to all 3 of my credit reports without my consent. Under the law 15usc code 1681 in order for them to furnish anything they need my consent first which they didnt have. This unlawful act has damage my credit report for a year and a half now. they also didnt mention a finance charge that includes any document fees and loan fees when i took the phone in payment. Under the law 15 usc code 1605 the finance charge includes document fees and loan fees which they made ME pay when its already included. credit control llc has been sending emails considering there imaginary debt that i supposedly owe them, i asked to verify the debt and they cant.
12/14/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NC 284XX	Web	Servicemember
I got a letter in the mail stating I owed a debt and this company wanted the money because they purchased the debt. I replied asking for account details and also sent a letter asking them to stop calling my personal number as they were calling multiple times per day, every day. I sent all of this registered mail and made someone sign to pick it up. I then got a letter back with account information that was from an old credit card debt, so I know they got the packet I sent, yet they still call daily even after being asked to stop. I have contacted my local XXXX XXXX and gave them a copy of the original letter so that I have legal back up and so they could provide me with the legal steps to follow to prepare to file suit due to this company 's blatant attempt to ignore my cease and desist letter. The tracking number for the original letter is as follows : XXXX XXXX XXXX XXXX XXXX XXXX That was mailed on XX/XX/2022 to Credit Control , LLC.
02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33598	Web	Servicemember
Credit Control , LLC has been attempting to collect on an alleged debt that has already been paid for due to a consumer credit transaction that took place with XXXX XXXX XXXX XXXX XXXXXXXX. I am a Federally Protected Consumer and Credit Control has violated me in many ways. Credit Control , LLC is a third party debt collector. I never gave Credit Control , LLC written or oral permission to have my information. I have a right to privacy and my privacy has been breached pursuant 15 USC 1692c ( b ). Credit Control , LLC has furnished information on my consumer report without my knowledge and permission pursuant 15 USC 1692c ( a ). Credit Control , LLC can not state that such consumer owes a debt 15 USC 1692b ( 2 ). I mailed Credit Control , LLC a debt validation along with a cease and desist. I received no response in over a month. After I sent another company who they are affiliated with they then send me a statement on this alleged debt.
11/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	PA 19138	Web
On XX/XX/, I diligently took the necessary steps to address the unjust reporting of an account by sending a prearbitration letter via certified mail to XXXX XXXX XXXX XXXX XXXX XXXX. Despite my earnest effort to rectify this matter promptly, I have regrettably received no response from them to date. This lack of communication is not only disconcerting but also significantly impacting my financial credibility. It is important to underscore that I have no association with the account in question, and, moreover, I was never apprised by XXXX XXXXXXXX XXXX that they would be divulging my information to XXXX Funding or XXXX XXXX XXXX. Furthermore, the involvement of Credit Control LLC in the collection process on behalf of these entities compounds the complexity of the situation. The absence of a response and resolution exacerbates the adverse effects on my financial standing, and I seek a prompt and just resolution to rectify this matter.
09/20/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32114	Web
Starting XX/XX/2022 credit control LLC call me at XXXXXXXX XXXX mountain time for XXXX XXXX XXXX telling me about a debt I owe I explain that I didnt have the money to pay the debt. The next day the company call again XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX I told them that yesterday I spoke to someone and explain I dont have the money to please stop calling me. On XX/XX/XXXX at XXXXXXXX XXXX mountain time from XXXX XXXX XXXX another call. Another call on XX/XX/XXXX at XXXXXXXX XXXX eastern standard time from XXXX XXXX XXXX and again today XX/XX/XXXX at XXXX XXXX eastern standard from XXXX XXXX XXXX. The law says The federal Fair Debt Collection Practices Act specifically gives you the right to sue a debt collector for harassment. If a debt collector is found to have engaged in harassing behavior, you are entitled to up to {$1000.00} in damages, along with court costs and attorney fees.
09/08/2023	Yes	Debt collection Credit card debt	Electronic communications Frequent or repeated messages	IL XXXXX	Web
I logged Into my XXXX XXXX XXXX app. Clicked on the link to pay my XXXX XXXX XXXX credit card. And a link for credit control popped up for an entirely different account popped up. An account that was furnished by XXXX XXXX. After being tricked into provided my personal information I was told that I owe over XXXX dollars when my XXXX XXXX XXXX credit card is only XXXX. After asking how they ended up in my banking app. I was told to just pay. I beleive this a clear example of The Fair Debt Collection Practices Act ( FDCPA ) prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from you, including : Misrepresenting the nature of the debt, including the amount owed. I have a screen recording of the conversation as well as myself logging Into this app. On my credit report it states that XXXX XXXX is the debt collector however it credit control is attempted to collect.
01/25/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	NY 11694	Web
My account was sent to charge off in XX/XX/XXXX. The charge off amount was {$3000.00}, The card limit was {$2500.00}. However, I starting making {$10.00} payments on my own to in XX/XX/XXXX to reduce my balance and make a positive effect on my credit score. My {$10.00} payments are not showing on my end on my credit report as being paid. It states not payments to creditor. The current Balance is {$2800.00} and last week my credit score dropped 20 points. I called XXXX and was told that the credit bureau automatically calculate my score based off something not sure what they meant. In addition, I called the Company that I owed my balance to and I was told that the only way for my score to change was to pay off the balance or pay the settlement of {$1400.00}. I was even told to use my stimulus, the nerve of that representative from the credit company. I would really appreciate your help. Thanks
03/02/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to turn you in to immigration or deport you	NV 89110	Web
Credit Control is using XXXX bullying tactics against us, the helpless forgotten people. It is proven by the XXXX XXXX, XXXX and others that we are the victims. They have been calling every day, many times a day, with big threats to destroy our family, we the helpless people who support those that manage the inner cities. Credit Control XXXX attacks are known all over the World and they are being sued in many lawsuits. They are also threatening to retaliate against us with a lawsuit because we dared to stand up for our rights. Yes, they are threatening to sue us and promised us it would happen if we resisted - that is called retaliation under the law. Credit control is violating the law and they are not in compliance with Federal and State laws. It is illegal for any junk collection agencies, especially ones using terror tactics, to make empty threats to sue us or garnish our wages.
11/09/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	CA 90043	Web
XXXX debt sold it agin to credit control account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # XXXX
12/11/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TX 751XX	Web	Servicemember
I received an alert on XX/XX/XXXX from my bank that my credit score had changed and that something was sent to collections for the amount of {$8700.00}. The debt collector was Credit Control LLC. Spoke to them on XX/XX/XXXX and they informed me an account was opened up with XXXX and that many different devices like cell phones and smart watches were purchased fraudulently. They gave me the number to XXXX, I spoke to them, and they informed me that it was unlikely that the issue would be resolved and that I would have to be responsible for the charges. I was informed that XXXX conducted an " lengthy investigation '' by a " Supervisor '' when the account was created and found the account to be legitimate. I was informed to complete an ID Theft Packet but that it was unlikely the investigation would be overturned and I would be held responsible for the debt someone else accumulated.
12/22/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	TX 77379	Web
Credit Control has reported a collection account to my consumer credit file. I do not owe this alleged debt. If Credit Control has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt to be collected by Credit Control. Credit Control has no legal right to attempt to collect a debt as there is no balance owed to XXXX XXXX XXXX. Further, Credit Control never validated this debt nor sent me a notice of collection. I have learned that Credit Control is in violation of the FCRA and the FCDPA. At this point I ask that this non - validated derogatory account be removed from the credit bureaus immediately as this should not have ever been reported nor attempted to be collected on.
11/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 30349	Web
This debt was charged-off with the IRS by original creditor, which was XXXX XXXX XXXX XXXXy Bank admits to selling the debt to CREDIT CONTROL , LLC. XXXX XXXX also admits to no longer pursuing the debt, so there is no debt to pursue as my ending ledger balance with them is {$0.00}. However, here enters an interloper, CREDIT CONTROL , LLC, unauthorized to contact me, with demands for me to pay them a debt not owed to anyone, much less them because we have no standing contract in place, and never did. I have never heard of them but they call and harass me constantly as well as send numerous letters. I have written them to dispute this debt, and also requested validation as that is my right, and have yet to hear from them. please notify them that they are in violation of the consumer protection laws, and see that I am justly compensated for my hardship. Thanks!
07/05/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63017	Web
On XX/XX/2023, i got an alert from XXXX that " Credit Control , LLC '' has opened an account for me in XXXX with account number appearing as XXXX. From XXXX website i found that it is showing original creditor as " XXXX XXXX '' and amount as {$3300.00}. When i called this XXXX XXXX company on XXXX, it has recording that says leave the voicemail but voicemail is also full - so can not leave any XXXX. Then i called XXXX XXXX to find out what is this about and they confirmed that i don't have any active account with them and also don't have any pending balance from past. As of today, i do not have any services from XXXX XXXX. So, to me this issue seems like a fraud and i have notified to XXXX as well and they are also investigating. I wanted to make sure this XXXX XXXX company is not doing fraud with other people. Please get it checked out. regards,
11/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DE 199XX	Web
Over 10 years ago, we had an issue with an account with XXXX. We used an account with them to purchase a computer for our daughter, but it was paid off within a few years. Then, we started getting collection calls and letters about charges on the account we did not make. It took us over XXXX years to finally get the account off our credit report. Last month, we received notice the account had been " sold '' to a collection agency. We immediately reached out to let them know that this account was well over the statute of limitations and had been deemed not to be ours a decade ago. Today, we got a letter from Credit Control LLC demanding payment even though their letter indicates the debt can not be collected and is past the statute of limitations for a lawsuit. This is predatory debt collection as we proved XXXX years ago we did not owe this money.
06/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 185XX	Web
There is 2 different debt collectors reporting the Same debt account ( same credit card company/XXXX XXXX ) on my credit report. I never had 2 of the same credit cards from one company at the same time, but 2 different debt collectors are reporting the same thing on my credit report. I have disputed multiple times and everytime it cones back saying they have the correct information. If it is correct then how do they have the same account. You may call XXXX XXXX bank and ask if they give one person 2 of the same credit card with same account numbers. I highly doubt it. This has been ongoing for over a year now and I have been turned down multiple times for personal lones/ business lones and credit cards. I am so stressed and this has caused so much hardship on my end. I really need some help with this or information on how to Sue both these companies.
09/29/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	WA XXXXX	Web	Servicemember
As I stated many times over anything to do with Missouri credit cards are forms of harassments because I told these folks do not contact me, email me, and mail me as it took almost 6 years to get my credit report the best scores I could get in a long time. I think the best thing for this to be resolve is to not ever contact me whatsoever so just delete, erase, and remove this debt off my credit reports cause I owe you nothing. Furthermore I resent the implication, that I am being falsely accused of a debt, that is lingering, and passed around to third parties of all types threatening me with financial burdens, that I don't even owe where it is bad enough I have blocks on my credit report let alone disputes of all types, and creditors wanting me to purchase their credit cards, and cyber hackers trying to steal, and get credit cards in my name.
03/24/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	WI 53051	Web	Older American
The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment RoboCall They call seven times in a minute. Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts. No verification of this debt. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple XXXX in the past years, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.
08/25/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CO 80524	Web
Thank you for your time, my issues are revolving around the amount owed to XXXX for a phone bill. I believe originally this charge was just for 2 months not paid which was under {$350.00}. The amount owed on XX/XX/XXXX was {$700.00} but prior to this date I didn't receive any notice about the debt to this company. I changed my address this year in XXXX and I just received a notice for the first time on XX/XX/XXXX via mail. To add, I never receive any notice in the mail at my previous address either. The inconvenience of the lack of communication unfortunately resulted in a high bill with added late fees concluding at {$820.00}. I strongly feel that this is unfair. I hope that we can agree that these charges will be completely dropped and I won't have to pay the entire bill. Thank you again for your time and I hope to hear from you soon.
07/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85282	Web
I was notified by email from XXXX that my credit score dropped. I logged into my XXXX account and noticed an account I was unfamiliar with was sent to collections for a $ XXXX debt that is not mine. The account was for XXXX XXXX, which I have never done business with as they are not in my area. My credit is frozen at all 3 bureaus and I never received a bill or contacted by anyone before this account was sent to collections. Now some collection agency ( Credit Control , LLC ) that I have no connection to owns the debt. I should only have 3 account associated with my credit report, my mortgage, and two credit cards. This account has either been fraudulently opened on my behalf or it belongs to someone else. There was no notification before this was sent to collections and negatively impacted my score before I even knew about it.
04/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33071	Web
A purchase was made on a XXXX 's credit card approximately four years ago. The purchase was in the amount of about {$40.00}. The charge was paid by personal check through the mail, and did not get posted to the account until several days after the due date. This resulted in a late fee which was more than 50 % of the original purchase. Negotiation attempts were made to settle the fee with no success. The credit company continued to bill the late fee while adding additional fees and interest on top of the fee ( not the original purchase amount ), which ultimately reached an amount of {$310.00} as the balance stands today. The amount trying to be collected is now with a credit agency, Credit Control , LLC. They are requesting a settlement amount of {$140.00}, but again, the original purchase was paid in full which was just {$40.00}.
07/12/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 90044	Web	Servicemember
I made an arrangement with XXXX and will upload the agreement. XXXX stopped all of a sudden and was sent to Credit Control who said they heard nothing regarding the agreement with XXXX. When I called the primary holder of the debt the man I spoke to acknowledged the payments made but not agreement that I have in writing and told me I am facing default and legal action. This is all a bunch of misinformation and falsehoods. I have the proof right here. {$3900.00} was reduced to {$1900.00} this was all done as soon as this was about to fall of my credit so I was tricked into this agreement with threats, to allow for the loophole to make the clock start again even thought it had been over 7 years and was no longer on my credit report. But I work a program of fiscal amends and I went along with it, not knowing this was all shady.
07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 452XX	Web
I declare under penalty of perjury ( under the laws of the United States if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL and STATE law to file this dispute. I also understand that knowing and willful MISSTATEMENTS or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company without my authorization used my personal identifying information to apply for goods services or money, and was successful in creating some accounts. All is being investigated by the FTC
07/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 06320	Web
Credit Control LLC claims I owe {$3400.00} to XXXX XXXX which I believe to be XXXX XXXX, from a checking account closed in 2018, I believe. The amount represents overdrawn amount before account with XXXX closed out. Prior to closure, a mobile check deposit in the amount of {$4200.00}, which is a closeout check from XXXX XXXX, was made on or around XX/XX/2018. A stop payment placed on check without my knowledge, prior to deposit. XXXX XXXX has not reimbursed for funds owed to date, they closed out my checking account without releasing funds in amount of {$4200.00}. Credit Control LLC is the second or third collection agency attempting to collect on this debt, which I believe is owed by XXXX XXXX and not myself, they stopped payment on their own check without my knowledge, I have not been able to recover funds to date.
07/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07202	Web
About a year ago, after pulling my CREDIT REPORT, I realized multiple unknown accounts on it. After doing my own research, I realized that I needed to file an identity theft Police report, so I did. Then my next step was to notify the credit Bureaus that I was a victim of Identity theft, a few months went by and I got my credit report fixed. I, recently received a collection letter from CREDIT CONTROL LLC, trying to collect an alleged debt with an alleged current creditor name : XXXX XXXX XXXX XXXX XXXX, alleged account Credit Control # : XXXX with an alleged balance of {$480.00}. I did not even know where this account is coming from, I am definitely sure that this account does not belong to me. I am also attaching a copy of Identity theft Police report that I filed on XX/XX/2018, regarding an issue with identity theft.
07/22/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PR 009XX	Web
XX/XX/2020 I call XXXX XXXX for information about my account and they said that my account was sent to collection agency Credit Control LLC and the phone number that they give me is not available. XX/XX/XXXX I call again the XXXX XXXX trying to see if they have another number to call but they give me the same one. XX/XX/XXXX I send email to Credit Control LLC the one i found online XX/XX/XXXX I got email from them saying they don't have the account from my debt. XX/XX/XXXX. Im done call XXXX and they told me to fall complaint here to see what they can do. The disputes are saying to XXXX that they have the account but it not true because if they have it I can be able to make the payments. The bank keeps reporting to my credit and its CLOSED but is unpaid and its giving me hard time to get house. PLEASE HELP ME.
04/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 27526	Web
I received a letter from Credit Control , LLC on XXXX stating I owe a debt to XXXX XXXX in the amount of {$14000.00} but In fact I don't owe anything to Lending Club with the account number ending in XXXX. I sent a dispute to Credit Control LLC letting them I am disputing this debt owed and to send me the contract along with all payments made to XXXX XXXX and that XXXX XXXX on XXXX sent me an email stating my account was sold to XXXX XXXX XXXX and that I no longer owed the debt to them and it was marked as paid in full. Credit Control LLC gave me until XXXX to file my dispute with them but I filed it on XXXX via email at XXXX and to this day I haven't received any contract or a payment history showing payments made to XXXX XXXX or showing that the debt has been paid to XXXX XXXX who now no longer owns the account.
11/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32606	Web	Servicemember
Hi, Credit control llc is not my original lender. They sent me a lender saying that if i don't respond by XX/XX/2022 then they will consider the debt verified. Fair Debt Collection Practices Act ( FDCPA ), requires you to provide written verification of debts which has not been done. There are no records of transactions showing why i owe credit control llc any money. I went directly to the XXXX XXXX in XXXX and in XXXX florida on multiple occasions before the XX/XX/2022 however the staff there does not see an account in my name. They were unable to help me on several occasions. I spoke to XXXX XXXX the vice president at the the XXXX XXXX branch and XXXX who works at the same branch. They were unable to get help from their associates over the phone. They were unable to see an account with my information.
11/03/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MS 38671	Web
I have received repeated phone calls multiple times per day from this company. When I accept the call, no one speaks and they end the call. This has happened on the following dates at the following times : XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX XX/XX/21 : XXXX I feel harassed at this point with the constant calling and hang ups. According to 15 USC 1692d under Harassment or Abuse, a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Subsection 5 specifically states causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
03/16/2021	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive enough information to verify debt	NY 14304	Web
There's this company called Credit Control , LLC XXXX XXXX XXXX XXXX XXXX, XXXX. located at XXXX XXXX XXXX, XXXX XXXX, XXXX MO XXXX. I never headed from this people before, and never had any business issue with no one. now i got this letter says that i owed money to a XXXX. the last time i headed from XXXX was back in 10 years ago. I had a house back then. and so many mortgage companies took over the XXXX XXXX, which i lost control. in the house was sold on short sales which all the paper work was done. but nothing related with XXXX The only think i can think of it, this XXXX issue, has to be related with this house. but this was resolved long time ago.. Now this company must provide me with any documentation that can support this claim. otherwise i would then to stopped this imitate..
11/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33319	Web	Servicemember
On XX/XX/XXXX, I mailed out my FTC identity theft report to Credit Control and notified this company that I am a victim of identity theft. I reported to them that I did not open or authorize this account, and I requested that it be closed immediately. I asked Credit Control to please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have sent a copy of my FTC Identity Theft Report. Because the information that Credit Control are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ).
12/25/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77083	Web	Servicemember
My previous complaint : XXXX SUBMITTED ON XXXX/XXXX/2020 PRODUCT Debt collection ISSUE Written notification about debt. I have received another letter regarding XXXX XXXX as current creditor, but from a different company. Credit Control LLC, XXXX XXXX XXXX, XXXX XXXX, XXXX, MO XXXX, XXXX. The letter is dated XXXX/XXXX/2020. It is alleging I owe {$530.00}. As I stated in my previous response letters and in the previous complaint ; 1 ) I am disputing that I owe them any debt. 2 ) The dates provided of the alleged debt are past the statute of limitations. and 3 ) I want the letters to cease and 4 ) I want all collection activities as it relates to this alleged debt to cease. 5 ) Finally, I would appreciate a direct response to my request and complaint. Thank you, XXXX XXXX
03/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 151XX	Web
Dear XXXX XXXX, I am responding to your contact about collecting a debt. You contacted me by Email, and identified the debt as Account XXXX : XXXX XXXX XXXX. I do not have any responsibility for the debt youre trying to collect. If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. I demand these accounts be deleted immediately or I will file for ligation
02/25/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 184XX	Web
I received a debt collection notice from Credit Control regarding a XXXX XXXX account they claimed I owe. I immediately sent out the attatched form for debt validation on XX/XX/22. On XX/XX/22 I received a phone call from them telling me I owe money and how am I going to pay. This is in violation of the FCRA rules as I had not received anything back. I said I had requested validation and was told that YES they did receive it and it has not gone out yet. He then warned me to be on the look out for a thick package as they have all kind of paperwork and told me to make sure I have this XXXX number written down because once I get it I need to call them back and talk about paying. They are not supposed to attempt any kind of collection activity until they send me validation
07/28/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 77024	Web
Dispute Dept./To whom it may concern, Please send me all information that you have on this account. Anyone can send an agreement, terms and conditions, statement, but that DOES not prove that a contract was signed as anyone can fill out an application online that could be bogus. Also, I want a copy of a signed agreement or contract as required by law. If you can not provide this information then I expect a letter of deletion to be mailed to my address as well as the three credit bureaus. Reference # XXXX I also would like to know if you are licensed to collect in my state. If so, send me your license number for me to view. If not provided, I will file a case with the FTC, XXXX, Attorney General, and the CFPB. Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
08/21/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 243XX	Web
I've been contacted repeatedly by text and phone since XXXX by an alleged debt collection agency looking for a XXXX XXXX. I texted and told them I don't know XXXX XXXX and I called and told them not to call me anymore. The last time I answered a call from them, the woman said she was looking for XXXX XXXX. When I said " this is a scam '' she immediately hung up. When I called from another number and asked for their address the man said " I'm not at liberty to give out that information. '' The numbers I've been contact from are ( XXXX ) XXXX, ( XXXX ) XXXX. There may be more, but I didn't save them. I've also received called from ( XXXX ) XXXX allegedly from XXXX, Virginia that said I've been " flagged as invasive and noncompliant. '' The callback number was XXXX.
03/19/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NC 28625	Web	Older American, Servicemember
I had XXXX XXXX done at my doctors office by a third party. The XXXX company was paid in full by my insurance company except for {$25.00} that my insurance company said was not covered for XXXX XXXX XXXX I am currently appealing the {$25.00} charge as my XXXX is covered 100 % by insurance. After being paid by my insurance company the XXXX company redid the bill and billed me {$40.00}, which did not include the {$25.00} being appealed. I sent the XXXX company copies of the insurance claim and explanation of benefits several times. I also contacted my insurance company and my doctors office who both said this was illegal and they would get it straightened out. I guess not, because the XXXX company turned the erroneous bill of {$40.00} over to collections
06/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 191XX	Web	Older American
in XX/XX/2019 i owed a debt to XXXX in the amount of {$2500.00} i got into this program with XXXX XXXX XXXX inXXXX I made a payment in the amount of XXXX as they were taking the money out of my checking account on the XXXX of each month or whatever date my S.S came into the bank so i cameup with a settlement the amount would go to this company called CREDIT CONTROL LLC. total amount to be paid was {$1100.00} now i was making the payments to themthen it went to this collection agency called XXXX XXXX then it got down to {$460.00} then it went to another called XXXX and they were taking $ XXXXon the XXXX of each month i made 3 payments then i get this letter from XXXX XXXX XXXX who says i owe {$1800.00} i have disputed this many times sent the documents
04/28/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX XXXXX	Web
XX/XX/2023 a contact letter referencing a non existent debt which attempted to to collect on a false statement and claim. This is an illegal practice. This action and ACCUSTION IS IN FACT A DISPUTE!!! This action upset my permanent XXXX as well as triggered bad memories of identity theft of my credit in real time, emotional anguish as well as emotional terror under Color of law. Financial terrorism disguised as false debt is something no one should tolerate at all. CONTROL CREDIT IS RESPONSIBLE FOR THESE ILLEGAL ACTIONS. I AM GOING TO INFORM THE FEDERAL TRADE COMMISSION OF THEIR ILLEGAL ACTIONS, SALE OF ILLEGALLY BOUGHT DEBT AS WELL WELL AS TRANSGRESS IONS AGAINST FCRA FDCPA AS THE BBB FOR THEIR FALSE STATEMENTS AND ATTEMPT TO RUIN MY PEACE.
10/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 381XX	Web
I, the consumer, as defined in 15 U.S. Code 1692, a natural person, have reported to Credit Control LLC of their Federal violations under the FDCPA, which negatively affecting my individual credit reporting. I invoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K as outlined in the invoice. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact me any further about this alleged debt. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company on company letterhead.
07/08/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NJ 07024	Web
I sent you dated XX/XX/2020 I stated the following : I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights : Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. I received nothing but phone calls and letters to settle a debt I know nothing about.
04/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 11209	Web	Servicemember
I saw credit control on my credit report and never had any interaction or did any business with them. When I call them they first stated that they did not ever pull the credit report but than after a manager said he just " pulled the score. '' He did not XXXX shows that they accessed my report and I have it attached. Having Credit Control show up on my credit report is a damaging to getting a rental in new york during this pandemic! In addition, their company name ( Credit Control ) appearing on your credit report is defamatory and libelous in nature. I have attached their reporting to this email. Please Help CFPB XXXX XXXX contact - XXXX XXXX XXXX Registered Agent XXXX, XXXX A. XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
03/08/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33178	Web
In XXXX of XXXX I received a debt collection letter from Credit Control. I exercised my right and sent a debt verification request letter to Credit Control located at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX. Credit Control DID NOT verify the debt despite my emails that I sent them on XX/XX/XXXX & XX/XX/XXXX and a call to verify the debt on XX/XX/XXXX but instead another Collection company named : XXXX XXXX XXXX. located at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported the debt on all three of my credit reports without informing me whatsoever about this debt or verifying the debt or providing a reassignment of debt to them. This is a breach of the Fair Reporting and Collection Act.
04/17/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NJ 070XX	Web
I stopped paying XXXX student loans because i couldnt afford it. For 5 years I tried working with XXXX and attempt to lower payments. I was living paycheck to paycheck and only paying down interest. Student loans are a scam. I stopped paying because they refused to lower my monthly payments. I ignored their phone calls and contacted an attorney. Now Im getting letters that it was sold to a debt collector and i was never notified. In addition, I have never received any communication from Credit Control, the debt collection company, to make arrangements or figure something out. Now they reported it to the credit bureaus and my credit score dropped 30 points because of it. This is just XXXX. I want my credit restored.
04/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web	Older American
I went to my post office box to find a letter from Credit Control LLC informing me of a debt I owed back in XXXX XXXX XXXX or better yet XX/XX/2004 this should not be even be brought up anymore it's been way past 7 years so I don't know if this company is tangible because around tax time I get fraudulent calls threatening me to take me to court about various things I owe don't ever identify themselves or anything and I find it strange that this company is like being on a debt owed back in 2004 they have threatened to sue me if I don't answer hopefully after you inform them that they have no legal action with this debt you will prop them the respond 2 me that is been canceled and no further contact will be made
02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77356	Web	Servicemember
I received a letter in the mail from : Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX www.credit-control.com It alleges I had a debt in XXXX with XXXX XXXX XXXX in the amount of {$7200.00} of which I allegedly owe {$16.00}, XXXX. XXXX XXXX YEARS AGO, ARE YOU KIDDING ME. I have never had a debt with this company. I pay all bills on time every time. I have lived at the same residence for the last 12 years and not ever received this sort of notification, and my credit report as of XXXX of XXXX does not reflect this debt. I do not want to communicate with this company because I think it is a scam of some sort, and want your guidance and/or assistance in this matter. XXXX XXXX XXXX
09/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CA 90044	Web	Servicemember
I paid this debt when through XXXX XXXX. Credit Control LLC, contacted me to tell me that their client has hired them. I have a letter from XXXX stating the debt is settled and it is with the same XXXX account number ending in XXXX. The company XXXX XXXX XXXX is the company that hired both XXXX and now Credit Control LLC. I told credit control that I paid it and they said they would file a dispute with XXXX I keep getting contacted by collectors, even though I paid the debt through XXXX solutions. I have attached the XXXX and the Credit Control letters and you can see that this has been paid, but yet I keep getting other collection companies trying to collect on the same debt, on behalf of XXXX and XXXX.
02/18/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 78207	Web
On XX/XX/XXXX, I received a call from Credit Control LLC ( hereafter " CC '' ) stating that I have an outstanding balance of {$30.00}. CC stated that the debt originated from the company XXXX XXXX. During the call, I informed CC that I was disputing the debt as it had been paid timely. The CC representative informed me that I had to call XXXX XXXX to solve the matter directly with them. On XX/XX/XXXX, I called CC and requested that CC mails me written documentation validating the debt, as it is my right pursuant to the Fair Debt Collection Practices Act ( FDCPA ). On the same call, I also provided CC with my home address. As of today, XX/XX/2021, I have not received any written documentation from CC.
01/06/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94501	Web	Older American
I received an invoice indicating that I owed {$6200.00} to XXXX XXXX Acct number ending in XXXX on an acocunt between XX/XX/XXXX and today. I received this notice in the XXXX mail on XX/XX/XXXX. I have never borrowed from XXXX XXXX or XXXX XXXX XXXX, the other creditor listed on their website. I believe this invoice/bill to be bogus and an attempt to scam a senior citizen. Until today, I have never received any form of communication from this company. I will contact them tomorrow but I can confirm I have never heard of this company and have never borrowed any money from the creditors they represent. This debt is not legitimate. This debit is not and has never been listed on any of my credit reports.
05/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10035	Web
I've been harassed from XXXX XXXX XXXX with the same debt before that I don't owe, ever in my life have had business with XXXX XXXX XXXX, XXXX. Now I got another letter from Credit Control , LLC dba Credit Control & Solutions, LLC for the same debt {$570.00}, which is on someone else with the same name but different address. I requested to XXXX XXXX investigate the social security number that person used to get that credit card at the time, and if that information matches with my number then I am a victim of identity theft. Because I can guarantee you that I don't owe that money. You can see the documents attached the address does not match with mine, i never have lived in that address.
05/28/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 361XX	Web	Servicemember
THIS COMPANY HAS BEEN CALLING MY NEIGHBORS PHONE HARASSING THEM ABOUT A DEBT THAT IS NOT MINE. XXXX IS CHARGING FOR EVERYTHING BUT WHAT I ACTUALLY OWE THEM WHICH IS NOTHING. XXXX TOOK ME THROUGH XXXX VIA THEIR ONLINE SERVICE.I SIGNED UP TO BE A CUSTOMER ONLINE AND IT WAS A DISASTER. THEY SENT ME 4 SIM CARDS ... HAD MY PHONE NUMBER MESSED UP 3 TIMES. I HAD TO GO IN THE STORE AND TRY TO GET THINGS STRAIGHT. IT WAS A MESS AND NOW THEY HAVE SENT HIS COMPANY OF LIARS AND THIEVES AFTER ME TO HARASS MY NEIGHBORS AND ME ABOUT AN AMOUNT THAT I DO NOT OWE!! MY NAME IS NOT EVEN CORRECT. MY NAME IS XXXX ... .I NEVER SHORTEN MY NAME. THAT IS DISRESPECTFUL. STOP HARRASSING ME AND MY NEIGHBORS
04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AZ 85382	Web
On XX/XX/2022 I successfully completed the terms of my credit cards settlement agreement with XXXX card ending in XXXX with Credit Control, LLC., account # XXXX. On XX/XX/2022 XXXX wrote me a letter stating that my agreement has been settled. On XX/XX/2022 my account with XXXX was satisfied via XXXX XXXX XXXX XXXX. Current Creditor : XXXX XXXX XXXX XXXX, XXXX Client Account # : XXXX Our Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX This letter acknowledges the receipt of payment ( s ) on the above mentioned account. This letter shall serve as evidence that the above referenced account has been resolved. Amount Paid : {$760.00} Date Resolved : XXXX
03/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	511XX	Web
caller from credit control call me several times starting at XXXX XXXX trying to collect a debt owed by someone else i have repedetly told them that i am not that person sometimes when they call they say nothing just listen i tell then that they are a bunch of punks that like to harass people after a while they hang up this has happened several times not saying anything the last time they called -- XX/XX/09 XXXX i told them that i was not regena and to stop calling me i said that i am tired of them calling me different times of the day for some one i dont know after a few choice words to them i hung up - they come up on my caller id as credit control XXXX
03/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
I have an old XXXX account that was closed after not paying on it for some time. It was taken off my credit report too. A new company bought the bad debt and is trying to collect on it. I sent a letter. I also believe I spoke to someone before. The phone calls stopped but I am still getting a bill for this even though I refuse to pay on something that is extremely old and not even on my credit report. I just want to the bills stop from coming in. I wrote to them nicely last time about it, but I dont think they are going to stop. Is this considered harassment or not? Are the entitled to send me a bill that is clearly outdated.
03/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07748	Web
I am filing now a dispute regarding fraudulent activities on my credit report. I first became aware of the fraudulent activities when I received a letter from CREDIT CONTROL , LLC regarding a debt that I did not recognize. I have taken also the necessary steps to protect my personal information. I am deeply concerned about the potential harm this could cause my credit score has been negatively impacted. I have attached a copy of my police report to support my dispute. I am requesting that you remove the fraudulent account from my credit report and take the necessary steps to restore my credit score to its previous state.
06/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NC 28306	Web
I was contacted by phone from Credit Control LLC by represented XXXX on XX/XX/2022 he informed me that the company was willing to give me a settlement deal for the credit card I had for XXXX I informed him I did not have the money but I was expecting something but I do not want my card debited until I called to confirm the money was in my account I was informed by XXXX XXXX they will not debit my account unless I called to confirm and it was a recorded line on XX/XX/2022 the money was taken out my account without my permission I called them and they will not refund the money back to my account I spoke to a manager XXXX
05/21/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK XXXXX	Web
I wrote the debt buyer XXXX XXXX, XXXX. XXXX XXXX, XXXX, SC XXXX back on XX/XX/2020. This entity purchased a receiveable from XXXX XXXX XXXX. The bank made a banking error and took a payment out of the wrong bank account that threw my bank accounts in chaos as well as various credit accounts. The bank failed to make me totally whole. In addition, there were some charges made on the account that was not mine, and the bank failed to handle these in the correct fashion. I have included here in a copy of the correspondence that I sent to XXXX XXXX that details this transaction. This provides all the pertinent details.
11/12/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30328	Web
XXXX {$2700.00} 2014 XXXX credit card open in with my information as result of identity theft. Filed and sent police report and FTC claim to XXXX as well as all 3 bureaus. XXXX refuse to acknowledge claim. Credit Control is the debt collector that sent out notice. When I disputed the claim the file was transferred back to XXXX Bank for the claim to be denied. One e denied file was reassigned back to Credit Control. I ask company to send me a copy of the original contract so that I can conduct a personal investigation just to keep receiving bill statements. This is causing hardship due to credit denial
08/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11413	Web
On XX/XX/2021, I received a collection notice from Credit Control LLC about an alleged debt I owe to XXXX XXXX XXXX and I responded back on XX/XX/XXXX with a debt validation letter, on XX/XX/XXXX I received a letter from XXXX XXXX saying I requested a verification on a debt and sent me a credit one bill with an address in another county, I would like to know how is it possible for two of these collection companies can be writing me about the same debt and when I write one another one responds, I will attach all documentation from these collections companies to make sure they are doing the correct thing.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	CA 90001	Web
Hi my name is XXXX XXXX XXXX me and my father 's identity were stole by my ex boyfriend he XXXX XXXX and took 2 of my phone 's at the moment and till this day I don't have a phone and my father is in XXXX well my ex boyfriend XXXX XXXX XXXX TOOK ME TOO A HOUSE WERE HE BEAT ME AND TOLD ME THAT HIS FRIEND WAS GON NA KEEP TRACK OF WERE I WAS AT ALL TIMES AND WELL NOW I RECEIVED MY FATHERS MAIL AND LOAN AUTO LOANS AMD WELL MY FATHER ISNT HERE I NEED TOO SPEAK TOO SOMEBODY ASAP PLEASE BEST CONTACT NUMBER IS XXXX XXXX PLEASE I NEED HELP TOMMOROW I WILL BE FREEZING MY FATHERS CREDIT WITH ALL 3 CREDIT BUREAUS
12/20/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	DE 199XX	Web	Servicemember
THIS IS A SCAM FOR THESE BIG COMPANIES TO PRESSURE ME TO PAY A DEBT I DO NOT OWE!!! I HAD XXXX XXXX XXXX AND I CANCELLED SERVICE WITH XXXX AND TURNED IN ALL INTERNET EQUIPMENT. I WENT TO XXXX EVERYTHING WENT SMOOTHLY. I CANCELLED WITH XXXX XXXX TURNED IN ALL EQUIPMENT AND WENT BACK TO XXXX WHERE I AM CURRENTLY. IF I WAS IN THE NEGATIVE, I WOULD NOT BEEN ABLE TO RETURN WITH XXXX AGAIN FOR APPROX. 1.5 YRS NOW ACTIVE AND CURRENT. NOW CREDIT CONTROL IS CONSTANTLY DEMANDING I PAY. WHAT I OWE XXXX NOTHING AS I HAVE SPOKE WITH XXXX MANY TIMES PLUS RECEIVING A COUPLE OF GIFT CARDS FROM THEM. WHAT A SCAM.
01/19/2024	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	NJ XXXXX	Web
I was contacted via text beginning XX/XX/year>XXXX and then again XX/XX/year> from a company unknown to me. The second text had XXXX XXXX XXXX Companys name attached to it. ( See evidence attached ). A complaint has been sent to CFPB regarding Nissans involvement and this is a separate complaint regarding this company, unknown to me, attempting to collect an alleged debt. I did not respond to the texts as I thought they may be a phishing scam. Credit Control debt collector is trespassing on my mark, XXXX XXXX XXXX XXXX ( see attached Certified Copy of Registration dated XX/XX/year>XXXX )
06/21/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 452XX	Web
Credit Control , LLC fraudulently contracted with XXXX XXXX XXXX XXXX by purchasing a debt that has zero association with me, the consumer, XXXX XXXX. I have zero business whatsoever with Credit Control , LLC. Furthermore, the false reports are causing punitive damages to my credit report. XXXX XXXX is in violation of CFPB Consumer laws and is impersonating a creditor. Exhibit A is attached and is to referenced to reflect that violations incurred. I, the consumer XXXX XXXX, have been abused due to harassment and am seeking immediate results in the form of a removal altogether and compensation.
07/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TN 37917	Web
Credit Control , LLC is a debt collector. We are trying to collect a debt owed to XXXX XXXX XXXX. We will use any information you give us to help collect the debt. Our information shows : You had an account from XXXX XXXXXXXX XXXX XXXX XXXX with an account number ending in XXXX As of XX/XX/2015, you owed : {$720.00} Between XX/XX/2015 and today : You were charged this amount in interest : + {$0.00}, Total amount of the non-interest charges or fees : + {$0.00}, correspondence@credit-control.com Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX www.credit-control.com
07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 173XX	Web
XXXX XXXX XXXX and Credit Control LLC is reporting to all 3 major credit bureaus on a previous account that has already been written off and claimed as income by XXXX XXXX. They have also violated The Privacy Act of 1974 and The Fair Credit Reporting Act ( FCRA ) of 1970 and this is now affecting my credit. They have violated 15 U.S. Code 1681 ( Permissible purposes ) .I have not given any consent to them to report to the bureaus which is negatively affecting my credit report. I will be filing a Ftc complaint if this is not removed i have not consented to them sharing my information.
06/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NC 272XX	Web	Servicemember
I sent a letter on XX/XX/XXXX asking Credit Control LLC who is handling the account for XXXX " Please can you verify these accounts for me so I can know if they are even legitimately mine? Can you send verification of my original paper work with my signature on the following accounts? '' I received no response. They continue not to respond to my letter. Also, I want the following open accounts removed from my credit report put there by XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am on XXXX as of XX/XX/2019 and my income is also considered " Collection Proof ''.
05/18/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MA 01040	Web
A few years ago when the XXXX breach occurred, I checked my free credit reports for all 3 bureaus and noticed a XXXX account was opened fraudulently on XX/XX/XXXX, I disputed this account with XXXX directly and it was closed by them on XX/XX/XXXX. On Thursday XX/XX/XXXX ( 4 years later ) I received a collection letter from XXXX XXXX, collection supervisor @ Credit Control. Today, XX/XX/XXXX, I sent an email to XXXX ( email on the letter ) disputing the validity of the debt. I have also sent a copy via mail to this office, the CFPB, XXXX, FTC & Massachusetts AG office. Thank you!
05/19/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 750XX	Web
On XX/XX/2021 I received a letter from Credit Control , LLC demanding the payment of {$1300.00} for a XXXX 's account that they have not shown legal proof that this account belongs me, legal proof of contract to collect on this account, or any computation records including, but not limited to the original contract. I called their office and sent a letter requesting these documents on the same date. This company has failed to respond with any information. I want their demands and communications to cease for illegitimately trying to collect on this account which is harassment.
07/14/2020	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 80016	Web
Credit Control , LLC was supposedly given my account by XXXX on XX/XX/2020, regarding a credit card debt that was not cleared by my ex-husband after our divorce. I had spoken with the first debt collected, XXXX XXXX, and told them I couldnt do anything because of COVID affected unemployment. They were supposed to stop communication. I only found out about Credit Control , LLC and got their name and number because they called my sister, and, illegally, told her about my supposed debt. I have audio recording of the phone call I made to them in response to their illegal activity.
09/23/2020	Yes	Vehicle loan or lease Loan	Getting a loan or lease Changes in terms mid-deal or after closing	MN 55304	Web
XXXX Charged off XXXX Never reported under the fair crediting act to XXXX XXXX nor did they formally request any payment on the charge off. Payoff sent to XXXX in the sale of his home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX Credit Control LLC has a potential for being investigated for fraud over this particular charge off, Also reported identitytheft and they never responded properly.Records indicate this loan was paid by another financial institution according to the creditbureauas well.
01/25/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 90008	Web
On XX/XX/XXXX I received a debt collection notice from Credit Control LLC Reference # XXXX Balance of {$1000.00}. According to the letter the creditor is XXXX XXXX and is regarding an XXXX XXXX account Account # xxxxxxxxxXXXX. I did not apply for credit account with XXXX XXXX XXXX XXXX XXXX. I do not owe this debt, never applied for any type credit card or credit with XXXX XXXX and this debt does not belong to me. To this day this is the first time Ive received any notice of this debt from XXXX XXXX or XXXX XXXX. I did not apply for this credit and this is not my debt.
08/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OH 43235	Web
I had a credit card debt that Credit Control , LLC collected on previously and they continue to harass me with the same debt but a different account number with their organization. I wrote to them back in XXXX and explained the situation and didn't hear anything more from them until today. Again, now it is a different account number with their organization, trying to collect on the debt I finished paying on in XXXX. My original Credit Control account number was XXXX, the second collection letter said it was XXXX and now the third one is their account number XXXX.
08/27/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	CA 95624	Web
On XX/XX/2022, I sent a notarized Affidavit of Truth and Fact, listing the numerous Consumers ' Rights Violations committed on behalf of this debt collection agency, a copy of the Exhibit ( s ) providing visible proof of the violations, a Cease-and-Desist letter that included the necessary remedies I wanted to settle upon, as well as an invoice for payment of the violations. All of these documents were sent via USPS Certified Mail, and I am aware the company received the documents. This collection agency ignored my attempt to remedy the violation of my rights.
03/29/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60133	Web
cont : I sent a packet with more detailed information. I received another email from a different collector for the same alleged debt. Credit Control XXXX XXXX XXXX XXXX XXXX XXXX Mo XXXX This is now the 4th company they have collecting this debt. I have been asking for years to provide proof of debt with my signature. The info is typed in with my name and address etc. Please request this be removed from all credit bureaus and please send a letter stating debt has been removed. Please let me know if you need anything from me. Thank you for your time.
08/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77082	Web
I have gone through my annual check at my XXXX XXXX. They had a tie up with XXXX XXXX. I have paid my co-pay amount at the time of payment. All of a sudden, XXXX XXXX start following up for the {$21.00}. I have been unnecessary follow up to pay this amount and literary harnessed by XXXX & now Credit Control , LLC. These agencies are giving threat of reporting to my credit and spoil my credit records. It`s stressful situation for me. These companies are behaving like they have no control and keep harassing clients without evaluating situations.
12/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32216	Web
I began questioning this organization in XXXX XXXX XXXX and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 1st time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
10/01/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AZ 85541	Web	Older American
I received a letter today from Credit Control , LLC threatening me if I do not notify them in writing within 30 days to dispute this debit they will assume the debit is valid and they will proceed with a judgement against me and take legal action against me for the disputed amount owed. I do not recognize this debit or is Beyond the Statue of Limitations. I have sent them a formal letter of dispute & to cease all contact with me in regards too. This disputed debit does not appear on any of my credit reports as being in a collection status.
07/22/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92804	Web
I had a credit card with XXXX XXXX XXXX around 2-3 years back. I paid what I owed and claimed identity theft because my ex-husband was using my credit card afterward. It's been two or three years since that credit card account was closed. I already filed several claims as well in XXXX XXXX XXXX as well. Now, I have some collection agency under Credit Control , LLC from Missouri that claims I owe {$2400.00} to XXXX XXXX XXXX and that they'll take that money from my accounts. They've repeatedly called and mailed me to pay them the money.
08/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 335XX	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
03/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 23323	Web
CREDIT CONTROL LLC has failed to validate debt on XX/XX/2022 I sent CREDIT CONTROLL a debt validation letter and in response they sent billing statements which is not sufficient evidence of indebtedness. I will send a 2ND and FINAL request for proper debt validation which is to include but not limited to a written itemization of the finance charge, the OFFICIAL initial contract bearing consumers signature, a written itemization of the amount financed and the amount owed; also I demand an audit trail for the account/debt in question
09/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91107	Web
I have been repeatedly contacted by XXXX XXXX XXXX, Credit Control LLC, XXXX XXXX XXXX, and XXXX XXXX attempting to collect a fraudulent debt that has already been reported as identity theft to the FTC and the original creditor and removed from my credit report. I have informed representatives of these companies that the account has been reported and confirmed by the original creditor as fraudulent and demanded they cease and desist contacting me and despite this they have persisted in harassing me by mail, telephone, and e-mail.
09/08/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	RI 02860	Web	Servicemember
I was never notified that I owed a debt by the company. Debt collection agency constantly calling my phone and leaving messages and threatening to keep calling me until I pay a debt that Im responsible to pay them for. They threatened to keep sending negative report to all credit three bureaus in order to get a payment out me. Theyve already impacted my credit report which caused me to be in more financial hurdle. I want them to stop calling me and leave me alone. I dont owe them debt and they need to get rid of my information.
05/14/2022	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30083	Web
Reference number XXXX. I received a written communication in the mails from Credit Control , LLC on XX/XX/2022. Pursuant to 15 USC 1692c, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any alleged debt. Also, on the communication, Credit Control , LLC failed to state that it was attempting to collect a debt which is a violation of 15 USC 1692e.
07/11/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 070XX	Web
Credit Control LLC doesn't have a license for the state of NJ to collect a debt which is illegal. Credit Control LLC violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Credit Control LLC said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Credit Control LLC is in violation 15usc1692a ( 4 ) a debt collector who's in the business in attempt to collect a debt. I am the creditor says 15usc 1692a ( 4 ).
04/17/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	CA 90036	Web
Credit Control LLC. XXXX XXXX XXXX XXXX No XXXX and XXXX XXXX XXXX XXXX MI XXXX. Credit Control LLC. started calling me daily once the stimulus checks were announced XX/XX/XXXX-XX/XX/XXXX daily and then sent letter stating they would garnish my tax return/stimulus check for the so called amount owed for a debt by XXXX XXXX XXXX without presenting any proof or information other than amount due {$1300.00} with no credit information or address. I have sent them my response but PO Boxes do not accept Certified mail.
06/02/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	PA 19134	Web
HELLO this collection company repeatedly contact me even when I have ask not to do so. The debt was unknowingly refer to collection with no prior duscuss or formal communication by the company XXXX. I also notice on the correspondence the amount of the debt is higher than reported on the credit report. Collection agency added fees. I never heard from XXXX or was advice of any debt till view in my credit report and a new collection agency took over. I repeated inform them to stop and they have ignore this request.
07/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY XXXXX	Web	Older American
On XX/XX/XXXX of this year I received a collection letter from Credit Control , LLC and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from XXXX XXXX. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters to me.
09/21/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	MI 484XX	Web
XXXX is trying to collect a debt that is not mine and it has been reported since day one. I cancelled this phone. It was my wife 's who passed away and the number was stolen after and bill ran up. This is not my debt and XXXX has totally ignored this and given it to a collector. Also, I am on SSI with very limited income since 2021. This needs to be dropped. It is totally false. I tried to contact them by email and they blocked me. Have tried on multiple occassions. They are just being difficult.
07/19/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	SC 290XX	Web
On XX/XX/2021 I XXXX XXXX the natural person received a letter from Credit Control LLC stating that I pay debt. I do not owe any debt to Credit Control or did I do any business with them for them to have my information and I am furious that they inconvenience me by calling and me and asking for money and send me letters demanding money. This a violation of my consumer rights and according to 15 USC 1692k the are criminally liable for {$1000.00} for each violation they've violated under the FDCPA.
08/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11212	Web
I just made a complaint with XXXX via XXXX and CFPB last month, and Now they have sold the debit to another collection agency, after knowing the debit is not owed to me. At this point XXXX is in violation of law XXXX. XXXX has sold the debit to " Credit Control , LLC '', who has been sending letters of owed debit to me in the amount of {$4700.00}. I would like for XXXX to have this company to stop harassing me, and to cease all communication with me about this debit that I DO NOT OWE.
02/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20176	Web
I am writing to dispute a fraudulent charge on my account. I am a victim of identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ).
01/16/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
Hello, I am on XXXX prepaid, and tried the post-pay account and was not satisfied with XXXX service and canceled within 3 weeks. I have been back on prepaid for several months now. I reached out to XXXX on XX/XX/2024 and confirmed that I do NOT owe XXXX anything on pre-paid OR post-paid account. I have this in an email from XXXX themselves not the debt collect, however the debt collector still sends me emails stating I owe them XXXX Please help and advise, Sincerely, XXXX XXXX
06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02124	Web
I keep receiving a letter from Credit Control , LLC and they keep asking me to pay an alleged debt that I have no information or recollection of. This information is hurting my credit report and is false and misleading. According to 15 USC 1692e False or misleading representations a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This debt is not validated after multiple validation requests.
06/15/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08401	Web
Credit Control , LLC trying to collect a debt belonging to the XXXX debt collector. The debt originally belonged to XXXX XXXX who sold it to XXXX.I was contacted by XXXX credit monitoring that Credit Control reported to the Credit Bureau. I contacted both parties and XXXX said the are the owner of the debt. I contacted Credit Control and they hung up the phone. Date XXXX XXXX. The amount owed is {$520.00}. I requested that XXXX send a letter to me with the collection amount.
10/18/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 79934	Web
Credit control has been taking money out of my account and has gone over our agreement payments. We agreed on a settlement to them of {$5000.00}. I have started making payments XXXX, XXXX, of XXXX twice a month. My last payment would have been XX/XX/XXXX. I have paid them over XXXX so far and the agreement is only supposed to be XXXX. This is fraud and over payment. I want them to return my over payments to me. XXXX XXXX XXXX Credit Control Acct : XXXX XXXX XXXX XXXX MO
01/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07305	Web
A Debt Collection named in the complaint ( Credit Control LLC ) keeps attempting a debt that was already satisfied with the actual original creditor Named Citibank NA as fraudulently opened and closed which no further collection attempting such have continued under the law. I have written the collection numerous times that they need to stop attempting to collect on the debt that was Satisfied with the Original Creditor with documentation to support my claim.
02/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32818	Web
I received a letter from an agency called Credit Controll , LLC asking me to pay for an account I had with XXXX XXXX XXXX with XXXX. I've never dealt with such a bank. I called XXXX after multiple research they couldn't find any account under my name. I tried to dispute it with the agency, with no success, I tried contacting the bank, and every time I called they asked to leave a message for the Fraud department to call me back but never received a callback.
03/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WA 98338	Web	Servicemember
I have had a XXXX XXXX bill on my credit for years. I have fought it every time I receive it from a collection agency. This time it is from Credit Control , LLC. I have told them just like all the previous collection companies that I have never had XXXX. I have had XXXX or XXXX since 1998, and they said if I need, they would write a letter stating that! I have even filed a police report like XXXX told me to and sent it to them. Yet it is still on my credit.
09/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33055	Web
I received a letter from the collection agency thats how I found out I owed this money but Im afraid I was victim of identity theft because I have not purchase anything at XXXX with my credit card in years I dont even have the credit card with me I paid what I owed at the moment and then never used it again. I called XXXX and they told me I didnt have a balance with them so I called the collection agency and told them that and they kept sending me letters.
03/25/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AZ 85335	Web
These people I assume are trying to collect a debt for my XXXX XXXX who XXXX with bills and zero assets. They are calling my work phone # and Ive answered and told them repeatedly that this is a business phone and to stop calling. They keep calling. Ive told them that I would report them if they keep calling so here we are. I dont know how these people even got my work number, but this needs to stop. Credit Control XXXX is the # they keep calling from.
06/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11412	Web
I received a letter from Credit Control llc saying i owe them a debt. please provide a certificate of indebtedness showing i owe credit control llc a debt. they said i owe XXXX XXXX XXXX. please provide a certificate of indebtedness from XXXX XXXX XXXX Attached is prove i disputed the debt within the proper timeframe and Credit Control LLC is still attempting to collect and has reported this fraudulent account as a collection on my consumer reports.
01/31/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21207	Web
I have submitted a certified letter to this creditor requesting validation of this debt and I specified please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. This creditor failed to provide that documentation. The only information they sent was my name, the account number and the amount owed.
02/08/2020	Yes	Debt collection Credit card debt	False statements or representation Told you not to respond to a lawsuit they filed against you	CA 91311	Web
Please see my Dispute Attach Letter with exhibits as proper proof this debt collector is trying to collect an amount that I don't know where is coming from, Please see the CFPB Complaint # XXXX as reference. It looks XXXX XXXX is engaging in the business selling consumer Accounts to debt collectors. I would like to include XXXX XXXX I'm requesting the CFPB regulator to enforce monetary compensation for this ongoing Trend against XXXX XXXX.
07/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 11203	Web
I had a 24months contract with XXXX XXXX which open in XX/XX/XXXX. Payments were made on time. Due to Covid 19 ( natural disaster ) I started to short on my payments until I had to close account which break contract. They then started collection which I disputed numerous times cause are natural disaster. Year XXXX I tried settling numerous times which was denied. The balance even increases as it goes through numerous collection agencies.
05/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	FL 32506	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
12/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 14606	Web
I am exercising my right to validate an alleged debt with Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021, I mailed via USPS certified letter to Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX. In the letters, I'm REQUESTING they ( Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debt.
05/13/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30238	Web
I have received contact from XXXX XXXX XXXX about a debt and I have requested validity of debt. I have requested hard copy proof where I expressly agreed to debt by way of contract with original creditor and XXXX XXXX XXXX. Hard copy agreement. Credit control purchasing debt and being assigned to debt. Amount they paid for said debt. Full accounting of the transaction history. I requested all collection activity to stop immediately.
07/05/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 13502	Web
This complaint is against XXXX XXXX XXXX and credit control who are unlawfully attempting to collect a debt i do not owe. they sending letters to my residence repeatedly, I made numerous attempts to try to get them to validate the debt but they failed to do soXXXX sold the debt to a third party without my consent.these companies are in violation of numerous consumer laws such as 15 usc 1692j, 1692f, 1692c,1692d, 1692g, and 1692k.
03/14/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	WI 53051	Web	Older American
I received calls from them. Some times, I have received calls 47 times in less than a minute. I think this is excessive spamming and robocalling. I wrote to them in XXXX disputing the information and they stopped for a few weeks. Then at end of XXXX, they started again. Even my attorney requested them to stop. Attached is letter that my attorney sent to them. But they have refused to stop calling. Their robocalling is excessive.
09/07/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60462	Web
Specifically on XX/XX/27 and on XXXX, but the secretaries report that Credit Control rudely tried to contact me throughout the summer even when I was not at school. Credit Control called both my XXXX XXXX XXXX and XXXX XXXX. A woman by the name of XXXX XXXX, in particular ( XXXX ) was giving both secretaries a hard time about trying to reach me even though I am an XXXX XXXX and can not receive personal calls of this nature.
10/06/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	PA 15213	Web
Credit Control LLC called me about a medical debt. They requested I pay with them over the phone. I asked for a debt validation letter. They said they could email it to me. I gave them my email. They refused to give me the letter until I made a payment. I told them again I would need a letter or an email validating my debt. They said in order to do that I would need to make a payment with them right now over the phone.
06/02/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 44122	Web
i have called credit control for 4 months to no satisfaction. they keep offering a settlement and demand a one time payment for this settlement which they understand is not possible. they then offer terms on the full amount which is not fair and discriminatory. they are in fact not wanting to settle and then start repeating, offensively there demands. they are not open to any discussion but their stipulated terms.
07/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95628	Web
XXXX disputed a account through via XXXX and XXXX however I never reviewed or received any documentation from the agency with my signature. Nor did I give any permission to the credit bureau to talk to to anyone about this! So whom did they speak with during the investigation??? I am DEMANDING THAT THE ACCOUNT IS DELETED FROM MY REPORT. This is a violation of my SCRA rights. In addition to 15 US 1692d1, 15 US 1692g
09/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 279XX	Web
I has come to my attention, that XXXX XXXX XXXXXXXX, XXXX Bank has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$1700.00} Without first verifying the information they have on file. How can I verify information that doesn't belong to me?
05/04/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 722XX	Web
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
09/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 279XX	Web
It has come to my attention, that XXXX XXXX XXXX has transfer an account to Credit Control LLC. Immediately after I have put them on notice of Identity Theft. See FTC report # XXXX attached. Credit Control LLC is refusing to discuss my concern about their acct # XXXX, balance {$170.00}. Without me first verifying the information they have on file. How can I verify information that doesn't belong to me?
04/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 18940	Web
On XX/XX/2020 I paid a debt to XXXX XXXX XXXX XXXX in the amount of {$330.00}. I have a copy of my bank statement confirming the payment. I have continued to get collection notices from Credit Control LLC for nearly a year regarding the payment. I have sent them copies of everything, called them, written them to no avail. This is negatively impacting my credit score and I am getting nowhere with them.
12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 750XX	Web
Credit Control LLC has sent me a collection letter for a debt that I do not owe. It even says on the letter that the age of the debt makes it non suable and not reported to the credit agencies. The issue is that it has been reported to the credit agencies and I do not owe this debt. My identity was stolen years ago and I have worked hard to have excellent credit. I do not want this on my record.
08/31/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30331	Web
The company Credit Control , LLC has reported that I owe a debt to XXXXXXXX XXXX for which they've obtained. I have no knowledge of such account therefore this account needs to be removed/prevented from being added to my credit report. Please provide documentation with my signature regarding the account and cease contacting me. I've also been a victim of fraud in the last years. see ftc report.
07/09/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 21012	Web	Servicemember
I just received a letter dating XX/XX/2020 from a new creditor that has bought the old debt ONE day after I spoke to XXXX and told them I send fraud affidavits to them three times on a credit card account they was stolen - I guess they sold it the next day because they didnt want the drama but now I will seek legal investigation into this! Its absurd how they passed a fraudulent debt off again -
05/02/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31601	Web	Servicemember
Credit Control LLC at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX has been sending me collection notices in the amount of {$420.00}. I am not familiar with this company or this debt. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information which is a violation of my rights according to the FCRA.
05/06/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	VA 221XX	Web	Servicemember
In XXXX of XXXX i was contacted by XXXX XXXX XXXX XXXX. This company is reporting erroneously about two accounts i had with Credit Control after being settled and after having acknowledged and sent confirmation of said settlement. One debt was settled on XX/XX/XXXX and the other was settled XX/XX/XXXX. I received two statements that reflected that the both accounts were settled in full.
09/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91356	Web
Hello, This is my second report in 3 years. I am victim of identity theft and the follow credit card was opened and used without my knowledge. Original Creditor : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Original Acct # XXXX Current Account Balance : {$9900.00} I have been harassed by collectors in the several years. Since my original report has expired, I am opening a new one.
03/26/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MA 02119	Web
I had to pay XXXX College the remaining balance on my bill of XXXX in XX/XX/2020. I agreed to pay as long as they would remove it. They said they would. I ended up paying off the collection but now both the debt collection agency and the school have refused to have it removed. Its like I did what I was asked to do now they are refusing to remove it and refusing to respond to me.
04/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MN 55411	Web
Hello, Im writing CFPB in regards to a debt from XXXX XXXX XXXX and XXXX that was paid back in XXXX, and to make matters worse this debt is past the 7 year limitation. I have been getting harassing letters demanding payment. I tried to let them know that this debt has been taken care and its passed the limitations but I got no where with representative from Credit Control LLC
07/18/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	SC 290XX	Web
I the natural person XXXX XXXX received a letter from Credit Control that I owed a debt of {$16000.00}. I have never done any business with Credit Control and according to the FDCPA these are violations to my consumers rights. I have a written down the violations and mailed an invoice of {$1000.00} for each violation which is my right according to 15 USC 1692k civil liability.
12/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	VA 23832	Web
I have paid credit control LLC to settle a debt from XXXX XXXX XXXX XXXX. The last payment was made on XX/XX/21, after several attempts to contact and verification that the settlement has occurred, I have not received a letter stating this and XXXX XXXX has not been notified. I keep getting the same promises to update but nothing has happened and my XXXX XXXX is affected.
02/14/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	AL XXXXX	Web
In response to my Complaints this past Spring in connection with the fraudulence arising from my previous landlord 's efforts to extort me and the willful complicity of XXXX XXXX XXXXXXXX in those efforts, the merchant is now alleging that I owe {$1900.00} on my closed XXXX XXXX XXXX and has forwarded a fraudulent debt in that amount to Credit Control LLC for collection.
10/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I AM WRITING IN REGARDS TO CREDIT CONTROL LLC WHO IS ATTEMPTING TO COLLECT A UNKNOWN DEBT OF {$760.00} AND CONTINUALLY HARRASS ME VIA MAIL AND CALLS, CREDIT CONTROL LLC HAS BROKEN MULTIPLE FDCPA LAWS WHICH I WILL ATTACH.CREDIT CONTROL LLC HAS CONTACTED ME VIA MAIL ON XXXX I AM SEEKING {$13000.00} WORTH OF VIOLATIONS PURSUTANT 15 USC 1692k I HAVE 13 FDCPA VIOLATIONS.
05/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77066	Web	Servicemember
15 usc 1692d 15 usc 1692c 15 usc 1692e I have asked this company to verify information that they are reporting to my consumer report proving that I owe alleged debt, asked for contract showing my wet ink signature, company has failed to comply over numerous attempts to settle matter I never gave anyone written permission to furnish these items to my consumer report
01/05/2024	Yes	Debt collection Payday loan debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 75237	Web	Servicemember
I was contacted by Credit Control , LLC dba XXXX XXXX XXXX, XXXX in reference to a debt owed to XXXX in XXXX on XX/XX/XXXX. I responded the same day with a cease and desist letter informing them that I would prefer to deal with the creditor and not a collection agency. On XX/XX/XXXX, I received an automated call from XXXX XXXX XXXX requesting that I contact them.
01/15/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 354XX	Web
Everyday I receive a phone call from Credit Control on my cell phone ( XXXX ) and on my work phone ( XXXX ). I have told them to stop calling me and mail me whatever it is they think I owe. They are beyond rude and although I have t old them to stop calling me, especially on my work phone, they keep calling. Every single day they call me. It is harassment.
06/07/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT 84093	Web
Contacted company XXXX XXXX XXXX SOME TIME IN XXXX OF XXXXXXXX XXXX to tell them that this was NOT MY DEBT OF {$1100.00} and THAT I DID NOT OBTAIN OR OPEN THIS account as I recently found out during that time period that I was a victim of identity theft! I SENT AND OR MAILED THEM COPIES OF THE IDENTITY THEFT REPORT THAT LISTED THIS ACCOUNT ON IT AS WELL!
10/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70094	Web	Older American
Credit control , LLC is trying to collect on a debt that is the was result of identity theft. XXXX XXXX XXXX was sent may letters telling them that this account was opened through the result of identity theft. This debt is not owned by anyone in this household. Also XXXX XXXX XXXX was told that the account was the result of identity theft.
03/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 78258	Web
I have a current complaint against XXXX XXXX with XXXX XXXX now they are sending me a letter about the debt collection with a new company trying to collect a debt that does not belong to me. I believe this is a fraud attempt and request an investigation and release of complete information. The new company being used is Credit Control LLC
06/11/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30228	Web
( Credit control LLC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ) has been sending me collection notices in the amount of ( XXXX ) and ( XXXX ). The collection has been reported as pasted due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.
07/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 120XX	Web
Went on my financial institution credit report in found a fraud account opened and reported outstanding balance of {$2200.00}. Called the company listed CREDIT CONTROL LLC and was told they can not look me up with out giving them my XXXX and SSN # Research online shows that it is scam. I be this is either a scam or fraud.
02/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48187	Web
Debt was paid in full on XX/XX/2020. We were told XXXX would update our credit report within 30 days. They are still reporting a balance to this day on all 3 credit burueas for {$54.00}. They recently mailed me a letter requesting me to settle the debt of {$54.00} and pay {$27.00}. This account was paid in full!!!!
06/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 18944	Web
I Sent an Affidavit of truth along with a cease and desist to Credit Control , LLC on XX/XX/2021 they failed to provide the information that was requested and they continue to contact me through the mail. Which is a violation of 15 USC 1692 c. This continued harassment is a strain on my health due to the stress.
09/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60914	Web
I recently received a letter from Credit Contract LLC.They are attempting and using abusive language to get me to pay their company {$1300.00}. I dont know this company or never did business with this company.This company doesnt have any proof or no signature of mine to validate this debt saying I owe them.
05/31/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NY XXXXX	Web
XXXX XXXX is continuing to attempt to collect exempt fund by sending debt to different debt collector Credit Control LLC to collect they were sent exempt from debt collections letter and a complaint is filed XXXX that they still has not responded to they need to be investigated the 3rd attempt on same debt
03/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33032	Web	Servicemember
Please stop all communication with me regarding this account. I do not recognize any type of bank account with XXXX XXXX ; so I urge to remove the account if you reported it to the credit bureaus. Thank you very much!!! I have never done any business with that COMPANY and I never made any contract either!
06/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
Repeated phone calls. They say they don't know why there calling me but can't make the computer stop. My ex wife owes there prime customer XXXX XXXX XXXX at least $ XXXX. We have been divorced for nineteen years. I have never had an account with XXXX I have never acknowledged this debt. It is not mine.
11/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KY 40258	Web
made pursuant to 15 USC 1692g ( b ). I hereby request that your company provide me with evidence of this debt. I demand this company provide me everything that I ask in the Validation of debt Letter. I also would like this company to cease all forms of communication with me through any and all mediums.
01/09/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	NY 10550	Web	Servicemember
XXXX XXXX XXXX XXXX and their debt collecting agencies credit control llc dba credit control and XXXX XXXX keep sending me letters stating that the debt is not paid when they acknowledged it was paid and even took the money out my account. I received another letter today for a debt that I do not owe.
05/25/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	IL 60620	Web
I continue to question the companies Verification of the Debt and the company will not supply the accounting or validation of debt. I ask the company to stop reporting the debt to the credit bureaus since XX/XX/2022, the debt is still reporting every month and affecting my ability to obtain credit.
03/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19013	Web
Credit control LLC continues to furnish information incorrectly on credit file. Made contact with XXXX XXXX and spoken XXXX XXXX. Company informed me no debt was owed on account. According to FCRA Guidelines this is illegal. Requesting full investigation and listen to call XX/XX/2020 @ XXXX EST.
10/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 32244	Web
I settled an old debt which was XXXX for XXXX this made the account resolved and XXXX XXXX said they would delete the tradeline with in 30 days. But instead of doing that, they sold my account to Credit Control LLC. Now they're saying I owe them, after the fact that i had this matter resolved!
04/02/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	KY 42103	Web
Credit Control, a collection agency, contacted my place of employment as well as my boyfriend ( who is not involved or listed in the debt whatsoever ) regarding an old debt that is currently being handled by a debt consolidation company. Both of these phone calls to occurred in XX/XX/2023.
09/23/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web	Servicemember
CREDIT CONTROL , LLC PLEASE STOP all communication tactics with me. I remember you from previous letters and I asked that STOP AND CEASE all collection methods. I DONT OWE anything to XXXX XXXX, never opened a credit card with that credit company. Please STOP HARRASING ME. THANKS
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WA 98102	Web
I received a letter on XX/XX/XXXX and XX/XX/XXXX from Credit Control , LLC claiming I have a debt they're collecting on behalf of XXXX XXXX XXXX with the original creditor XXXX. The claimed amount due is {$2800.00}. I've never purchased anything from XXXX and dispute this claim.
04/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	WI 531XX	Web
( 4 XXXX XXXX XXXX XXXX were purchased through XXXX XXXX under fraudulent/ Identity theft premises in the amount of {$4500.00}. ( 3 ) Purchases were made on two different dates ( XX/XX/XXXX & XXXX ) at two different locations ( XXXX XXXX & XXXX, XXXX ) at XXXX XXXX stores.
03/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48176	Web
I was a victim of fraud. The card was through XXXX, XXXX. Was turned over to debt collection called credit control , LLC they continued to call send letters and threatened me until i just paid it. After paying it I still received letters from them stating it was unpaid!
08/06/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37040	Web	Servicemember
Credit control LLC. Called me to inform me they had just bought my debt from XXXX I owed XXXX XXXX dollars credit control called me saying my balance was XXXX and I have documents showing it's not then they told me it's because a debt collection fee it went up that much
07/21/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93012	Web
I received a letter from Credit Control LLC of XXXX MO. The letter states that " per our conversation, you have agreed to pay $ XXXX monthly ''. I NEVER talked with XXXX XXXX, the author of the letter, nor anybody from the company and I NEVER agreed to make payments.
02/20/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL XXXXX	Web
Just got this in the mail today and I wan na pay it off. So yall dont send this to me no more cause I dont use trust bank anymore, so when I send this please close the account cause I did already and yall still sent this to me when it wasnt at a negative balance.
01/15/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	OR 97305	Web
I keep receiving spam texts from " Credit Control dept collector '' saying my XXXX XXXX account is with them and to go to a website or to call them. My account with XXXX XXXX is not in collections and never has been this. This is a completely fraudulent text.
07/28/2020	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	CA 93012	Web
I received a letter from Credit Control LLC dated XX/XX/2020 indicating that I promised to pay an amount certain on a future date. 1 ) I never verbally or in writing made any payment commitment, 2 ) How can I make a commitment on a date in the future?
12/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	UT XXXXX	Web
XXXX XXXX XXXX continues to sell off a debt that was a result of identity theft and fraud. Credit Control LLC sent me a debt request for a debt that I do not owe. Please remove the debt from my name. Cease and desist collection on this debt.
01/20/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 92301	Web
I received an auto text from this company Credit Control, I have no idea what this is in regards to. The auto text only states to log on or call Credit Control nothing else, no written notification received, again, Im not sure what this is.
04/04/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 93536	Web
This account was opened XX/XX/ and was closed XX/XX/XXXX. I am getting collection notices from credit control LLC on dates XXXX and XXXX that they can resolve this account for {$250.00}. It can't be claimed if it is closed. Fair collections
04/04/2020	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 33168	Web
Hi, I have a problem ... This company say I owe them money??? ... How when I'm in XXXX Florida?? Also I meet people in person ... Also they call me asking if I'm this guy or that guy?? I don't know these people nor ever delt with them
07/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 89102	Web	Servicemember
credit control llc sent me a letter that they are trying to collect on a debt i do not recall reference # XXXX. i do not feel i owe you anything, im on ssi and my income is federally rotected, i want you to stop contacting me.
08/16/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	SC 29045	Web	Older American
Any previous debts owed by me are time-barred in my state. The debts have been closed and removed completely from all three credit reporting agencies. Therefore this collection agency/company should no longer contact me.
11/11/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NJ 07801	Web	Older American
We have a message from credit control LLC this is a call from a debt collector please call XXXX I have received repeated calls from this unscrupulous company. I know what my debt is and I dont owe anyone any money.
10/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22304	Web
1 ) Credit Control LLC of XXXX FL sends me mails to settle an alleged XXXX XXXX credit card account that I never signed up for. 2 ) XXXX XXXX is billing me fees for a XXXX XXXX credit card I never signed up for.
01/26/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78634	Web
Received a debt collection notice in the mail with the attempt to collect {>= $1,000,000}. The attempt to collect debt owed to XXXX XXXX. I did not have an account with XXXX this is the result of identity debt.
06/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	RI 02909	Web
Third party trying to collect a debt. That has been XXXX my name is has a copyright and trade mark and the debt has been fully XXXX. Per Usc 15 ( a ) ( 4 ) 1681 ( a ) Accuracy and fairness of credit reporting
07/09/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 32223	Web
This debt collector helps calling me from a bunch of different numbers and asks me to verify my SSN. I have repeated told them to stop calling me and to write me if they need something. but they keep calling
07/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60473	Web
Credit Control LLC are attempting to collect a debt that has not been validated by any means. This information is potentially harmful to my credit and I have given no written consent to communicate with me
09/22/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 130XX	Web
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
03/09/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32503	Web
Credit control has been sending continuous calls, letters claiming that I owe them money. I have sent them continuous letters via email and mail in which they have not responded to any of them.
07/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	KY 41017	Web	Servicemember
Credit control for XXXX XXXX repeatedly calling emailing and sending letters with various amounts and i was a vi tim of identity fraud there for this charge wasn't mine to begin with
07/01/2021	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	CA 92058	Web
Has harassed through phone calls late at night after business hours, and called my daughter and son in law harassing about the debt. refuses to stop calling in middle of the night.
05/15/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ID 83642	Web
Received letter from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Stating I owe XXXX XXXX They are providing no information. No specifics. I don't know who XXXX is. Letter date XXXX
09/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 72015	Web
XXXX was sent to debt collector that was from XXXX XXXX Bank indicating that I do not owe debt, XX/XX/2023. I think this is the same company as XXXX or they sold the debt again.
10/26/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	TX 750XX	Web
CREDIT CONTROL CONTACTED ME BY EMAIL ABOUT A XXXX ACCOUNT WHICH I HAVE OVER A XXXX BALANCE. I HAVE NEVER HAD A XXXX ACCOUNT AND I WOULD LIKE THIS TO BE INVESTIGATED AND REMOVED
01/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	LA 70517	Web
I did a settlement offer with CREDIT CONTROL LLC for a XXXX XXXX credit card on XX/XX/2020. The account was suppose to be removed from all 3 Bureaus and was not and has not!
11/09/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	PA 19145	Web
I'm requesting that this collection be removed from the credit report. My credit limit was {$300.00} and I settled to pay XXXX. I attached my supportive documents. Thank you
10/12/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 16001	Web	Servicemember
Credit Control LLC is refusing to send me proof of an alleged debt, refused to give business ID number and provided the wrong address ( correct address viewed on website ).
02/27/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
In 2019 I sent a Cease and Desist Letter notarized/Certified Mail ... This is not my debt and they continue to sell this fraudulent debt to other Debt collecting agencies.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30044	Web
Never done business with the third party reporting on my credit report. This is a direct violation of my privacy. Dont know how they received my personal information.
07/03/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 19130	Web
credit control sent me a letter on a debt i do not owe!! please stop contact me about a debt i do not owe through phone, text, mail or any type of communication ty!!
02/06/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 514XX	Web
This company is repeatedly calling, harassing me ... .they didn't have correct information for an account they were trying to collect on. I've included my call logs.
10/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	UT 841XX	Web
CCS has sent a recent notice by mail which I am certifying I have no knowledge of an alleged debt by XXXX nor XXXX XXXX, please send back to the original creditor.
09/27/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI XXXXX	Web
Credit Control , LLC sent a letter by mail in attempt to collect a alleged debt associated with account number ending in XXXX with out any documented evidence.
08/16/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	MI 484XX	Web
This company has called my place employment two times. I have asked them in the past not to contact my employer. Today they contacted my employer again.
11/11/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77073	Web
Credit Control is tryin to collect debt that I am unaware of. I asked for Validation of debt. I do not owe credit control. Please see attached document.
07/30/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 321XX	Web
i got a letter ( bill ) from credit control LLC the account ( XXXX ) was closed in 2020 but iam too XXXX to pay this debt also iam XXXX XXXX XXXX XXXX
09/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	PA 190XX	Web
I do not recognize this debt. It is on my credit report and I did not receive a written notice of right to dispute. Not sure if this is legitimate.
07/28/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 132XX	Web
Credit control LLC is attempting to collect a debt not owed and has been already resolved with another debt collector. These tactics are illegal.
07/27/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77429	Web	Servicemember
Ive asked to not be contacted by phone which the person that called said ok. Im now receiving up to 8 calls in a row daily from these people.
02/16/2021	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 07109	Web
Credit control Llc called one of my relatives and provided information about a debt owed on my behalf. They called from XXXX ( XXXX XXXX XXXX
01/20/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX 77064	Web
I am currently getting a {$770.00} bill when my insurance clearly told I am suppose to be paying XXXX this lab test was part of my physical.
07/02/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	NC 27407	Web
Repeatedly getting calls from them, had to block the multiple phone numbers that they call me from. XXXX & XXXX are they newest ones.
06/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AL 352XX	Web
I received two bills from two companies that I never did any business with. XX/XX/XXXX amount {$620.00} XX/XX/XXXX amount {$810.00}
02/26/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX XXXXX	Web
I've already reported this company before, and they said they put me on a Do Not Contact list, but they still call repeatedly.
04/19/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 342XX	Web
I have paid this amount .I have submitted my payments to this company. They do not acknowledge my payments and demand payment
01/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 33462	Web
Debt was paid off and is incorrect balance. I would like to see full proof of the account and balance being owed.
05/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19141	Web
Credit Control willfully failed to provide any of the requested documents or a contract. Please see attachments.
02/23/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 766XX	Web
This company is sending me letters to try to collect debt that is over 15 years old. This is illegal in Texas.
09/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92651	Web
The debt is 11 years old. Its my understanding that they should stop at 7years. They keep sending notices.
06/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PR 00729	Web
I had been asked by a company and/or person that I don't know to pay a debt of approximately 600.00 USD.
05/22/2020	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CA 90064	Web
Lied and conned me out of my money without upholding their promise. A settlement letter.
02/14/2023	Yes	Debt collection Credit card debt	False statements or representation Indicated you were committing crime by not paying debt	FL 33141	Web	Servicemember
Credit control , LLC it's abusing the charger interesting in the fictive debit account.
02/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21009	Web
Stop bothering me I do not know your company and i have never done business with it,
08/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33312	Web	Servicemember
Credit card company sold my debt that was closed after I returned items to XXXX
05/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07104	Web
I notified the collection agency about this alleged debt that I do not owe.
12/30/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CO 80920	Web
They called multiple times from different phone numbers threatening me.
09/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	NY 10461	Web
That is not my address and I want it to remove from my credit report
01/09/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NV 89104	Web
I did not give this company permission to pull my credit report.
08/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06854	Web
XX/XX/22, {$1100.00}. This debt was settled with XXXX XXXX XXXX.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70056	Web
XX/XX/2020 certified-mailed a letter disputing owing the debt.
07/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 350XX	Web
My credit was lost and being used in several locations
10/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 374XX	Web
Hundreds of Robo calls And voicemail messages
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60448	Web
Disclosed private information to 3rd party
01/30/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06460	Web

01/26/2024	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	CA 91790	Web	Servicemember

01/26/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94531	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 27886	Web

01/16/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77095	Web

01/13/2024	Yes	Credit card General-purpose credit card or charge card	Struggling to pay your bill Credit card company won't work with you while you're going through financial hardship	MI 48235	Web	Older American

01/12/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77377	Web

01/12/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77377	Web

01/11/2024	Yes	Debt collection Credit card debt	Electronic communications You told them to stop contacting you, but they keep trying	TX 77459	Web

01/11/2024	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	NJ 08879	Phone

01/10/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20743	Web

01/09/2024	Yes	Debt collection Telecommunications debt	Electronic communications You told them to stop contacting you, but they keep trying	KY 40351	Web

01/08/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	NY 11429	Phone

01/04/2024	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 45503	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11208	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 32627	Web

12/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63112	Web

12/23/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92553	Web

12/22/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44125	Web

12/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 37128	Web

12/16/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 55016	Web

12/16/2023	Yes	Debt collection Credit card debt	Electronic communications Used obscene, profane, or other abusive language	CA 93552	Web

12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48066	Web

12/13/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27406	Web

12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92114	Web

12/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89431	Web	Servicemember

11/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07108	Web

11/16/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10039	Web

11/16/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91302	Web

11/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	PA 15120	Web

11/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19114	Web

11/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 29036	Web

10/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19139	Web

10/25/2023	Yes	Debt collection Telecommunications debt	Communication tactics Used obscene, profane, or other abusive language	VA 23451	Web	Servicemember

10/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10458	Web

10/09/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44125	Web

09/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32955	Web	Servicemember

09/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 27985	Web

09/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30507	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29406	Web

09/20/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	UT 84129	Web

09/20/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	AL 36609	Web

09/18/2023	Yes	Debt collection I do not know	Electronic communications Frequent or repeated messages	WA 98133	Web

09/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21122	Web

09/14/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NY 13676	Web

09/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30093	Web

09/11/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	AL 36330	Web

09/08/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was paid	VA 23834	Web

08/30/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 34488	Web

08/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44708	Web	Servicemember

08/28/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75075	Web

08/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91601	Web

08/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06778	Web

08/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 45373	Web

08/23/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 75181	Web

08/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30253	Web

08/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37406	Web

08/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64790	Web

08/12/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	AR 72142	Web

08/11/2023	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30809	Web

08/11/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30809	Web

08/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 78660	Web	Servicemember

08/10/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30083	Web

08/10/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	SC 29651	Web

08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85928	Web	Servicemember

08/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17034	Web

08/02/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL 33414	Web

07/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28128	Web

07/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34787	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76108	Web

07/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WY 82501	Phone	Older American, Servicemember

06/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38109	Web

06/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10039	Web

06/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 34744	Web	Servicemember

06/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91380	Web

06/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

06/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33129	Web

05/29/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	ME 04429	Web

05/23/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	UT 84107	Phone

05/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

05/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	XXXXX	Web

05/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 27713	Phone

05/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NV 89502	Web

04/25/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32792	Web

04/24/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 52722	Web

04/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28211	Web

04/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30165	Web

04/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27262	Web

04/06/2023	Yes	Debt collection Auto debt	Communication tactics Used obscene, profane, or other abusive language	FL 33401	Web

03/31/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76244	Web

03/31/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73139	Web

03/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19107	Web

03/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	GA 31917	Web	Servicemember

03/13/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	OK 74134	Phone

03/12/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 90003	Web

03/10/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 10469	Web

03/09/2023	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	CA 90003	Web

03/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80113	Web

03/05/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CO 80013	Web

03/04/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

02/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75070	Web

02/20/2023	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WA 98208	Web

02/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92345	Web

02/14/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10940	Web

02/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75146	Web

02/11/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45373	Web

02/07/2023	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive enough information to verify debt	FL 32437	Web

02/06/2023	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	GA 30666	Web

02/03/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77095	Web

02/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29680	Web	Servicemember

01/31/2023	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	MN 55443	Web

01/30/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33056	Web

01/27/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33034	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07662	Web	Servicemember

01/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 91764	Web

01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32092	Web

12/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11429	Web

12/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08873	Web

12/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22306	Web

12/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

12/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48204	Web

11/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 94114	Web

11/25/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	FL 34997	Web	Servicemember

11/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 37066	Web

11/14/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	OH 44312	Web

11/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 22306	Web

11/03/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 93550	Phone

11/01/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10550	Web

10/30/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06320	Web

10/25/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive notice of right to dispute	KY 40223	Web

10/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70043	Web

10/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70085	Web

10/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NY 12828	Web

10/07/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	MO 63122	Web	Older American

10/07/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30114	Web

09/28/2022	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	KS 66212	Web

09/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11368	Web

09/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32809	Web

09/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91356	Web

08/31/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34638	Web

08/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 92563	Referral

08/18/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 75078	Referral

08/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72616	Web

08/15/2022	Yes	Credit card or prepaid card Store credit card	Getting a credit card Card opened as result of identity theft or fraud	TX 77035	Web

08/02/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	SD 57701	Web

07/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	IL 60079	Phone

07/14/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 91016	Web

07/01/2022	Yes	Credit card or prepaid card Store credit card	Fees or interest Charged too much interest	FL 32244	Phone

06/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OK 73025	Web

06/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91505	Web

06/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Web	Servicemember

06/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 95747	Web	Servicemember

06/02/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85080	Web

05/24/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	KS 66215	Web

05/23/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IA 52803	Phone

04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61032	Phone	Older American, Servicemember

04/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MD 21237	Web

04/09/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 23602	Web

04/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33019	Web

03/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91384	Web

03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28216	Web

02/22/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 49509	Referral

02/22/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32909	Web

02/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 94134	Phone	Older American

02/08/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OR 97526	Web

02/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	FL 33012	Phone

01/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48206	Web

01/28/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

01/11/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NC 28217	Web

01/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10035	Web	Older American

01/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95823	Web

01/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31907	Web

01/04/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	WV 25501	Web

12/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30122	Web

12/20/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 20906	Referral

12/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 11226	Web

12/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	PA 19053	Web

11/22/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	TX 75228	Web

11/13/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 62863	Postal mail

11/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77073	Web

11/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20009	Web

11/01/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 72211	Web

10/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08844	Web

10/23/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 91335	Web

10/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 34945	Web

09/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95121	Web

09/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37127	Web

09/21/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	GA 30114	Web	Older American

09/17/2021	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 78666	Web	Servicemember

09/06/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30311	Web	Servicemember

08/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08401	Web

08/27/2021	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	NY 11226	Web

08/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	LA 70056	Web	Servicemember

08/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20032	Referral

08/19/2021	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CA 93230	Web

08/18/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MT 59911	Web

08/14/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60443	Referral

08/09/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	GA 30350	Web

08/05/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 78615	Web

07/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

07/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CO 80014	Web

07/26/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75024	Web

07/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AL 35243	Web

07/14/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92335	Web

07/12/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	GA 30168	Phone

06/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08721	Referral

06/22/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11235	Phone

06/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

06/21/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30043	Web

06/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 95758	Referral

05/26/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	WA 98270	Phone

05/19/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NC 27406	Web

04/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AL 36693	Web

04/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 21216	Phone	Older American

04/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	OR 97420	Phone

04/06/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 14221	Web

03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92025	Web	Servicemember

03/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	DC XXXXX	Web

03/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

03/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

03/12/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32821	Web	Older American, Servicemember

02/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30097	Web

02/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OH 44507	Postal mail	Older American

02/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30040	Web

02/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	VA 20121	Web

02/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	SC 29445	Web	Older American

02/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14092	Web	Servicemember

02/16/2021	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	SC 29461	Web

02/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30518	Web

02/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 91790	Web

02/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36108	Web

02/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

02/03/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web

01/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 14221	Web

01/27/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	KY 40272	Web	Servicemember

01/21/2021	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	MA 01960	Web

01/12/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	CA 92065	Web

01/11/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

12/23/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OR 97303	Web

12/21/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone	Older American

12/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91367	Web	Older American

12/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55127	Phone	Servicemember

12/14/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40517	Web

12/04/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23233	Web

12/02/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48221	Fax

12/01/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	PA 19139	Phone	Older American

11/29/2020	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	MI 48310	Web

11/11/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	SC 29073	Web

11/06/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91364	Phone

10/24/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15644	Postal mail

10/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11361	Postal mail

10/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MO 63151	Postal mail	Older American

10/04/2020	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	MD 20724	Web

09/16/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 91710	Web

09/15/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 33809	Web

09/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60189	Web	Servicemember

09/08/2020	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	MS 38672	Web

09/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 96002	Web

08/21/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30274	Fax

08/19/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MI 49452	Phone	Older American

08/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32211	Postal mail

08/13/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	NY 11434	Web

07/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 45417	Referral

07/29/2020	Yes	Student loan Private student loan	Dealing with your lender or servicer Keep getting calls about your loan	MD 21236	Phone

07/29/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33708	Web	Older American

07/21/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MO 65706	Web	Servicemember

07/16/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30310	Web

07/15/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 78332	Postal mail

07/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15642	Postal mail

07/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15642	Postal mail

07/13/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 15650	Postal mail

07/13/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 15642	Postal mail

07/01/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75072	Web

06/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07030	Referral

06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	FL 33153	Fax

06/16/2020	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 34221	Web	Servicemember

06/12/2020	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	CA 95409	Phone

06/10/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10039	Postal mail

06/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91106	Postal mail

05/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30415	Web

05/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	SC 29611	Web

05/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

05/06/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA 30082	Referral

05/04/2020	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	CT 06804	Web

04/18/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11703	Referral

04/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94112	Web

03/28/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77433	Web

03/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone	Older American, Servicemember

03/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 63139	Fax

03/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02189	Referral

03/03/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02777	Postal mail

02/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70583	Postal mail

02/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32233	Web	Servicemember

02/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 24598	Referral

02/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85712	Referral

01/13/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10025	Web	Older American