Collection Management Holdings, LLC

I am filing a complaint against XXXX XXXX XXXX ( MCM ), also known as Credit Management Company ( CMC ), regarding violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/XXXX, I sent a formal cease and desist letter to XXXX XXXX XXXX instructing them to stop all communication with me regarding any alleged debt. This request was made in writing and should have been honored under federal law. Despite this, I have continued to receive collection calls. Most recently, on XX/XX/XXXX, I received a call from Credit Management Company ( CMC ), which I believe is affiliated with or operating under the same corporate group as XXXX XXXX XXXX. This is a direct violation of my cease and desist request. Under the FDCPA, once a consumer sends a written request to cease communication, a debt collector must stop contacting them except under very limited circumstances.…

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I stated I do not wish to discuss this by phone. I am requesting debt validation in writing. Please send it to me. Do not call this number again. 5 different occasions. I am requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. Please provide : The name of the original creditor The original account number The amount owed with an itemized breakdown A copy of the original signed agreement Proof that your agency is authorized to collect. I've also asked for there name and address and was refused, and they got nasty and told my a judgment was issued against me. XXXX XXXX with XXXX XXXX XXXX

I sent a written request for debt validation to the collection agency on XX/XX/year>, requesting proof of the debt, including the original creditor, amount owed, and documentation showing they have the legal right to collect. I did not receive any response or validation. Despite this, the account was verified as accurate with the credit bureau and continues to be reported on my credit report. Because the debt was not validated as required, this account should not be reported. I am requesting immediate removal of this account from my credit report.

I had this debt come on my credit report and I was not notified to verify this debt. This account is listed as a collection, and I am requesting that it be fully investigated. Under the fair Credit Reporting Act ( FCRA ), you are required to verify the accuracy of this account. If you can not verify this information, I am requesting that if he removed from my credit report.

I have never received any information regarding this alleged debt. The only reason I know about it is because it's on my credit reports. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state rules. I demand to be sent a copy of the purchase agreement or assignment letter/agreement. I also demand to be sent proof they gave me notice by providing a copy of the certified green receipt and/or shipping number. Lastly, I demand this agency to cease and desist all collection and communication efforts, this includes credit reporting.

I have received a note from debt collection company called " Credit management company '' that I do have a balance due for " XXXX XXXX XXXX '' ( XXXX XXXX ) of {$1900.00} for my son regarding an emergency visit for " Adventhealth at XXXX XXXX '' on XX/XX/year>, " XXXX XXXX XXXX '' failed to send me any letters/ statements regarding the balance, I was surprised that they sent it to collection already without trying to send me an official statement/bill on my address, Also, I wasn't expecting to get bills from third party, I have also provided the insurance information during the emergency visit and the hospital was able to claim the bills but the third party didn't claim any of these bills. I tried to call " XXXX XXXX XXXX '' to fix the issue and claim it to my son 's insurance multiple times but they mentioned that they can't call the dept back to fix it, leaving me with no options to have it paid or getting adjusted per my insurance rates.…

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I am filing this complaint regarding multiple inaccurate and unverifiable accounts being reported on my credit file. These accounts are negatively impacting my ability to obtain housing and credit. The following accounts are reporting inaccurate, misleading, or unverifiable information : 1. Credit Management Company ( Medical Collection ) Issues include : Failure to properly validate debts Reporting inaccurate late payments Medical debt reporting concerns Duplicate or inconsistent balances Failure to provide original signed agreements Reporting accounts with incomplete investigation results

Validation of Debt Request - COLLECTION MANAGEMENT - XXXXXXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

This debt collection company is reporting a medical collection account on my credit report that I do not owe. I dispute this debt because I have no knowledge of this medical bill and I have not received proper documentation proving that I am legally responsible for it. Despite this, the company has placed the account in collections and is reporting it to the credit reporting agencies. Reporting a medical debt that has not been properly verified is inaccurate and misleading and is negatively affecting my credit profile. I have not been provided with any documentation showing the original medical provider, proof that the services were rendered to me, or proof that I am responsible for this balance. Without proper validation, this account should not be reported as a collection on my credit report.

On XX/XX/year>, I requested validation of an alleged medical debt being reported by Credit Management Company. I requested documentation showing the original creditor, proof that the debt belongs to me, and proof that the company has authority to collect the debt. I did not receive documentation validating the debt. Despite this, the company verified the account to XXXX and continues reporting the collection on my credit report. Additionally, another collection agency ( XXXX ) has attempted to collect the same alleged debt, raising concerns regarding ownership and authority to collect. I am requesting proper validation of the debt, including documentation identifying the original creditor and the chain of assignment. If the company can not provide documentation supporting the debt, I request the account be removed from credit reporting.

Credit Management Company XXXX XXXX XXXX ( Also reporting through XXXX XXXX XXXX XXXX XXXX ) Subject : Medical debt reported to credit bureaus while insurance billing dispute is pending I am filing this complaint regarding medical collection accounts that are currently being reported on my credit report even though the billing for these services should have been submitted to my insurance/ XXXX at the time of service. The accounts are listed as follows : XXXX Credit Management Company XXXX XXXX XXXX Independence Emergency Group Balance : {$2300.00} Date of First Delinquency : XX/XX/XXXX Status : Collection account reported XX/XX/XXXX XXXX. XXXX XXXX XXXX Original Creditor : Hospital / Emergency services ( XXXX XXXX XXXX XXXX ) Balance : {$1500.00} Status : Collection account reported XX/XX/XXXX These medical bills are currently under review because I had active insurance/ XXXX coverage at the time of service.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am filing this complaint regarding a medical collection account being reported on my credit file by Collection Management for {$1500.00} allegedly owed to XXXX XXXX XXXX XXXX. I dispute this account in its entirety because I have no knowledge of this alleged debt and was never provided proper notice or validation of the account prior to it being reported to the credit bureaus. Under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ), a consumer must receive proper written notice and the opportunity to dispute a debt before collection activity continues. I never received any written validation notice, billing statement, or communication that would allow me to verify this debt. Additionally, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681s-2 ), furnishers of information have a legal duty to report information accurately and to conduct a reasonable investigation before furnishing derogatory information to consumer reporting agencies.…

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I have XXXX different collection agencies trying to collect money that I do not owe. I've tried to contact them and let them know I have not had any luck I need help with this because they just keep adding bills and I have not been to the emergency room but one time in 6 years It's XXXX XXXX XXXX in XXXX Florida.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Re : Demand for Validation of Alleged Debt Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal notice that I dispute the validity of the alleged debt your company claims I owe. The account you are reporting is as follows : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Alleged Balance : {$3800.00} Date Opened : XX/XX/XXXX Status : Collection Account Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I demand that you provide full validation of this alleged debt. Specifically, I require : XXXX. The original signed contract or agreement bearing my signature, proving I am legally obligated for this debt. XXXX. Proof of ownership/assignment of the debt, establishing that your company has the legal right to collect on it. XXXX.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Validation of Debt Request - XXXX XXXXXXXX XXXX - XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Credit Management Company, XXXX XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX constantly calls me Monday through Friday with a recorded message from XXXX XXXX. I do not have a contract with them. This has been going on for several months now. I am paying all my bills and repairing my credit. Credit Management Company is ruining my credit rating. Since they interferred my credit score has gone from XXXX to XXXX. Please help me in this matter? Thank you.

A third-party debt collections agency, CREDIT MANAGEMENT COMPANY XXXX is reporting three separate medical debt collection accounts on my credit report with Equifax and TransUnion, in the amounts of approximately {$930.00}, {$1400.00}, and {$690.00}. These debts were previously disputed with prior collections agencies who then sold the accounts to CREDIT MANAGEMENT COMPANY without resolving the disputes. Under the CFPB 's 2025 rule eliminating medical debt from consumer credit reports, none of these accounts should be reported. Despite this rule being in effect, CREDIT MANAGEMENT COMPANY continues to report all three medical debts, which is actively damaging my credit score and negatively impacting my ability to qualify for housing.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licens

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are XXXX

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

On XX/XX/year>, COLLECTION MANAGEMENT, a debt collection agency, reported a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX to the credit bureaus. I did not authorize this company to contact me regarding this matter. Their actions violate my rights as a consumer under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act. I am formally requesting that they cease all communication with me immediately and remove any reporting related to this alleged debt from my consumer credit report. Also violates XXXX XXXXXXXX XXXX This statute protects patients ' privacy by limiting who can access their medical records and information.

I am writing to file a complaint against CMC Credit Management regarding their handling of an alleged medical debt ( Account : XXXX, Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Inadequate Initial Notice : On XX/XX/year>, I received a " XXXX notification '' from CMC. While this notice complied with Nevada 's technical formatting requirements, it failed to provide sufficient information to verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The notice only included a name, account number, and balance. It provided no breakdown of the charges, dates of service, or proof that the debt is accurate. Failure to Provide Verification : I formally disputed this debt in writing ( see attached letter ) and requested specific verification, including an itemized statement and proof of assignment. Under 15 U.S.C. 1692g ( b ), the debt collector is required to cease collection of the debt until they obtain and mail verification to the consumer.…

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CRDMGMCOMP is falsely reporting on my credit. I have never had any accounts with them. Per my research CRDMGMCOMP is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting.…

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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting.…

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XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> To : CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Subject : Debt Collection Dispute Dear CREDIT MANAGEMENT COMPANY, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting.…

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