Do you know your rights?
- Tamara Goshay Bryant
- Oct 20
- 1 min read
DEBT COLLECTORS STAY VIOLATING HERE’S PROOF
This email from Credit Control, LLC claims to collect for Bank of America but it’s full of FDCPA violations
1. Misrepresentation of Legal Status
They’re trying to collect on a discharged or written-off debt. That’s illegal under §1692e(2)(A).
2. False Implication of Authority
If Bank of America no longer owns the debt, they can’t act on its behalf. That’s deception under §1692e(10).
3. Attempting to Collect an Amount Not Owed
Listing a $14,000+ balance on a closed or charged-off account = §1692f(1) violation.
4. No Proof, No Pay
If they didn’t validate the debt within 5 days, they’re in violation of §1692g.
Bottom line:
Just because a letter says you owe doesn’t mean you do.
Every false or misleading statement is a potential lawsuit.
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