Collection Management Holdings, LLC

I am submitting this complaint regarding a medical collection account that is being reported on my credit report. I dispute the accuracy and validity of this account and request that it be fully investigated and removed from all credit reporting agencies if the company can not provide proper verification. I was not properly notified of this debt before it was placed into collections, and I do not believe the account has been reported fairly or accurately under the Fair Credit Reporting Act ( FCRA ). This negative item has caused damage to my credit profile and ability to obtain fair credit opportunities.

I am writing to formally file a complaint regarding my recent experiences with Credit Management Company ( Tel : XXXX ) concerning Reference Number XXXX XXXX. I have contacted your office multiple times regarding a bill that I never received from XXXX XXXX. I have also reached out directly to both the hospital and my insurance company, and neither party has been able to locate any record of this claim. During my calls with your representatives, I experienced extremely unprofessional and inappropriate conduct. On at least two occasions, the representative was dismissive, refused to listen to my explanation, and repeatedly instructed me to contact my insurance company, despite my clear statement that the insurance company could not locate the claim.…

To Whom It May Concern, I am formally disputing the following collection account currently appearing on my TransUnion credit report : Collection Agency : CREDIT MANAGEMENT COMPANY Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$1500.00} Date Opened : XX/XX/year> I dispute the accuracy and validity of this account for the following reasons : The underlying medical bill is approximately XXXX XXXX XXXX. To the best of my knowledge, this balance was already paid. The account only recently appeared on my credit report in 2025 despite the alleged debt being many years old. I have concerns that this account may be improperly re-aged in violation of the Fair Credit Reporting Act ( FCRA ).…

I am filing this complaint regarding a collection account reported by Collection Management XXXX on my credit report associated with XXXX XXXX. This collection account appeared on my XXXX credit report without any prior notice, communication, debt validation, or opportunity to dispute the alleged debt before reporting. I was completely unaware of this alleged account until discovering the negative reporting on my credit profile. I have no records of receiving any written notices, collection letters, phone calls, emails, or documentation identifying the nature of this debt, the dates of service, the amount owed, or proof that I am legally responsible for it. Despite the lack of communication and validation, the company proceeded to place a derogatory collection account on my credit report, negatively impacting my credit score and financial standing.…

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX To : Collection Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Re : Account No. XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from any and all communication with me regarding this alleged debt. Under federal law, after receipt of this notice, you may only contact me for the limited purposes permitted by law, including advising me that collection efforts are being terminated or notifying me of any specific legal remedies that may be pursued.…

XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/year> To : Collection Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : XXXX Re : Account No. XXXX Original Creditor : XXXX XXXX XXXX XXXX : {$1300.00} Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern : I am writing regarding the above-referenced account. Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), I hereby demand that you immediately cease and desist from any and all communication with me regarding this alleged debt. Under federal law, after receipt of this notice, you may only contact me for the limited purposes permitted by law, including advising me that collection efforts are being terminated or notifying me of any specific legal remedies that may be pursued.…

I am filing a formal complaint against Collection Management ( which also operates under and contacts consumers using the name Credit Management Company ) for direct, deceptive, and egregious violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692g, and CFPB Regulation F.This agency has been reporting a negative collection trade line on my XXXX credit report since XX/XX/XXXX. They have deliberately maintained an outdated residential address on my credit file that is over XXXX years old. As a result of their failure to keep accurate records, they failed to provide me with the legally mandated initial written notifications required by federal law.On XX/XX/XXXX, a representative from this agency called my phone operating under the name " Credit Management Company. '' During this phone conversation, I explicitly attempted to provide my current residential address so that they could update their records and send me physical documentation.…

Credit Management Company ( XXXX, PA ) is engaging in illegal debt inflation and fraudulent duplicate reporting on an expired medical debt from XX/XX/XXXX. They contacted me in XX/XX/XXXX claiming a balance of {$2300.00}. They then placed two separate collection lines of {$1100.00} each on my XXXX and XXXX credit reports today, using two different account numbers for the exact same single debt. This deliberate double-billing has tanked my credit score by XXXX points. Furthermore, they reported this to the bureaus within 45 days of initial contact, explicitly violating Nevada law SB 248, which requires a mandatory 60-day notification window before credit reporting. Because the debt is from XX/XX/XXXX, it is past the Nevada statute of limitations and can not be legally enforced.

I am writing to formally dispute the validity of the medical debt mentioned above and to request full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). Please be advised that I am exercising my right to verify that this alleged debt is accurate and that your company has the legal right to possess my private medical billing information under the Health Insurance Portability and Accountability Act ( HIPAA ).

I disputed a medical collection account with XXXX XXXX and Collection Management Company. The account was marked as verified, however, no proper documentation or method of verification was provided as required under FCRA 611 ( a ) ( 7 ). This account is inaccurate, incomplete, and unverifiable. I requested validation and supporting documentation, including billing records and proof of the collectors authority to collect, but none was provided. The account continues to report despite failure to provide adequate verification. I am requesting : Complete method of verification Full documentation supporting the account Immediate deletion if the account can not be fully verified This matter involves potential violations of the Fair Credit Reporting Act and FDCPA.

Collection Management is reporting a collection account for an alleged medical debt with original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$1000.00}. On XX/XX/year> I sent Collection Management a certified written dispute and debt validation request. Delivery was confirmed XXXX XXXX XXXX. The 30-day investigation deadline expired XXXX XXXX XXXX. Collection Management has failed to provide the full name and address of the original medical provider, the date of service, a detailed itemized statement showing how the {$1000.00} amount was calculated, and a copy of any agreement authorizing Collection Management to collect and report this debt. Despite this failure they continue furnishing this account to consumer reporting agencies. Under recent medical debt reporting changes, medical collection accounts under certain thresholds are subject to heightened scrutiny and this account has not been properly validated.

I am not sure what is going on, but I have disputed these accounts multiple times and have never received a response. This has become very frustrating, and I am concerned that my efforts to address these issues are being overlooked. If I made an error in the process, it was certainly not intentional, as I have been doing my best to handle this matter properly and in good faith. Please carefully review the attached letter and conduct a thorough investigation into these disputed accounts. I am requesting that my credit report be made complete, accurate, and fully compliant with all applicable reporting requirements as soon as possible.

I am submitting this complaint regarding repeated debt collection calls from ( XXXX ) XXXX despite previously demanding in writing that they cease communication with me. In XXXX, I sent written correspondence instructing this company to stop contacting me regarding the alleged debt. Despite that request, the company continued calling throughout XXXX XXXX and has resumed calling again in XXXX. Because of the repeated unwanted calls, I blocked the number on my phone. Even after blocking the number, the company continues attempting to contact me and leave voicemails. My blocked voicemail records show ( XXXX ) an ongoing pattern of calls over an extended period of time. The voicemails identify the caller as a credit management company. I do not wish to be contacted by this company and have already exercised my rights to request that communication stop.…

What happened I am filing a complaint regarding improper medical debt collection activity on an account that has already been legally resolved in my favor under federal law. I received a Good Faith Estimate for XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>, and the provider later billed an amount significantly higher than the estimate. I initiated a formal dispute under the XXXX Surprises XXXX patient protections process. An independent dispute resolution entity reviewed the case and issued a determination that I am NOT responsible for the disputed amount because the provider failed to demonstrate that the charges qualified under allowable circumstances. Despite this binding determination, the provider has either : - Failed to update their billing records, and/or- Referred the account to a third-party collection agency I have now received a collection notice attempting to collect on this invalid debt.…

Credit Management Company attempts to collect debt paid 5 and half years ago XXXX XXXXMy insurance then paid it said that XXXX XXXX XXXX XXXX XXXX XXXX is known for double billing, double charging, over charging its patients.Inhave tried to resolve this for 5 and half years XXXX XXXX XXXX sends it to multiple collection agencies over and over again.This is what happens when you have Shady, Greedy, Fraud XXXX XXXX XXXX and its XXXX XXXX XXXX.They have yet to prod I owe it even a previous collection agency employee told me on recording line that she knows it was paid.

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

I am filing a complaint against Credit Management Company regarding an alleged debt that I do not recognize. I have repeatedly requested proper validation of this account, yet the company has failed to provide any documentation to support that this debt is accurate or that they have the legal right to collect it. Despite my requests, they continue to attempt collection and engage in harassing phone calls. Due to their failure to comply with federal law, I have also filed complaints with the Federal Trade Commission ( FTC ) and the XXXX XXXX XXXX XXXX XXXX XXXX This account, listed as account # XXXX with a balance of {$1100.00}, remains unverified and is being reported and/or collected without proper evidence. Their actions are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically my rights under 15 U.S.C. 1692g.

Contacted XXXX XX/XX/year> about XXXX phone bill i owe but I have never had XXXX as a phone provider, I have cricket cellular, they said they have no record of my information but transunion says that I have a debt of XXXX dollars that came back on a credit report after I tried to get a loan from regions bank for a new air condition unit for my home..

I am filing a complaint regarding a medical debt in the amount of {$1200.00} that has been placed in collections and is being reported on my credit report. At the time of service, I had both primary and secondary insurance coverage. However, my primary insurance was never billed for this claim. My secondary insurance denied the claim due to the primary insurance not being billed first. As a result, the balance being reported does not appear to be accurate, as the proper billing process through my primary insurance was not completed before the account was sent to collections. I am requesting that this account be fully investigated, properly billed to my primary insurance, and removed from collections and my credit report until the correct balance is determined after all insurance processing is completed.

b'This company has been calling me every single month since XXXX of XXXX, always the same automatic message.\n\n"Hello, this is XXXX XXXX calling from credit management company. Please contact me or any of our representatives at XXXX XXXX. Thank you"\n\nThe one time I get to talk to a person, they can\'t tell me what the debt is or with what company. I checked my own information and credit and I have nothing in collections in any way. I told them to stop calling me multiple times and to give me everything by mail only. They have ignored all of this. For what I can find it is a scam collections company. This is harassment at this point.'

I am filing this complaint regarding a collection account being reported by Credit Management Company that has not been validated despite multiple requests. ACCOUNT AT ISSUE : Creditor : Credit Management Company Account Number : # XXXX Balance : {$1900.00} NATURE OF THE DISPUTE : This account is being reported as a collection account ; however, I have not been provided with any documentation to support the validity of this alleged debt. Though I've requested numerous times by disputing with the credit bureau and all they say is " Verified '' and requesting signed medical documents from the collection agency and get no response. I have contacted Credit Management Company directly and requested : The name of the original provider ( hospital or medical office ). A full itemized breakdown of the charges. Documentation supporting the alleged debt. To date, none of this information has been provided.…

This debt collector, CREDIT MANAGEMENT COMPANY XXXX XXXX XXXX XXXX XXXX XXXX, has sent XXXX different collections to the credit bureaus and it has appeared on my credit report. I will submit a screenshot from XXXX. It says this debt is from XXXX XXXX XXXX XXXX but as of XX/XX/year>, reporting XXXX debts on credit reports is illegal. I want this debt removed from my credit report.

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

I am formally disputing the inaccurate, inconsistent, and deceptive reporting of a medical collection originating from XXXX XXXX ( XXXX : XXXX ) .This account is being reported under two different names ( " XXXX '' on XXXX and " COLLECTION MANAGEMENT '' on XXXX ) with conflicting payment histories. This is a violation of the FCRA. This debt is associated with a XXXX XXXX XXXX on XX/XX/XXXX. This was a legal/insurance matter handled by XXXX XXXX XXXX . Collection Management has failed to provide a Validation of Debt or a Chain of Title proving they have the legal right to report this. I was a XXXX XXXX at XXXX XXXX No such debt was verified or required for settlement during my background processing in XX/XX/XXXX.

So this company Credit Company Management created and reported a false report of {$830.00} to the Credit Bureaus Hurting my credit... This Medical Bill has been paid fully since XX/XX/year>. They seem to have two Addresses " XXXX XXXX XXXX '' Claims i have not paid and is creating false statements. CREDIT MANAGEMENT XXXX reported a New Account to your XXXX credit file. Source : XXXX Company : CREDIT MANAGEMENT XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX

I am disputing a medical collection account being reported for {$1200.00} from XXXX XXXXXXXX XXXX. This account has been disputed with the credit bureau ; however, no proper investigation was conducted as required under FCRA 1681i. The account was marked as verified without any documentation being provided. I requested validation of this debt, including an itemized bill, proof of services, and proof of my legal obligation. The company failed to provide any such documentation. The reported balance is inaccurate and unsubstantiated. There is no evidence showing how the amount of {$1200.00} was calculated. Reporting unverified and inaccurate information violates FCRA 1681e ( b ) and 1681i, which require maximum possible accuracy and a reasonable investigation. I am requesting immediate deletion of this account from my credit report, or full validation including itemized billing and proof of liability. If this can not be provided, the account must be removed.

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

COLLECTION MANAGEMENT CO XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX : Account Number XXXX Cease and Desist Communication To Whom It May Concern, I am writing regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), I hereby demand that you cease and desist all communication with me regarding this account. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact. You are only permitted to contact me in writing to confirm XXXX of the following : XXXX. That you will comply with this request and cease further communication, or XXXX. That you intend to take specific legal action. Any further contact outside of these exceptions will be considered a violation of federal law, and I will not hesitate to file complaints with the appropriate regulatory agencies and pursue legal remedies if necessary. Please also be advised that I am keeping records of all communications for documentation purposes.…

I am disputing a medical debt of approximately {$2000.00} originating from XXXX XXXX XXXX XXXX ( XXXX, GA ), currently being reported/collected by Credit Management Company XXXX XXXX ) XXXX The grounds for this dispute are as follows : Lack of Original Notice : I never received an initial bill or notification of this debt from XXXX XXXX XXXX XXXX. This is a violation of the XXXX Surprises XXXX ' and federal guidelines which require providers to give patients a reasonable opportunity to pay before involving collections. Inaccessible Creditor : The contact information provided online for XXXX XXXX XXXX XXXX is non-functional, preventing me from verifying the debt or discussing payment. Premature Credit Reporting : This debt was sold to XXXX and placed on my credit report without me ever being afforded a XXXX validation period or a bill of services. Violation of Regulation F : Under CFPB guidelines, debt collectors must have a reasonable basis for asserting that the debt is valid.…

I got a call from ( XXXX ) XXXX on Wednesday XX/XX/XXXX at XXXXXXXX XXXX When I called it back, the person that answers the phone claims to be Credit Management Company. I'll tell them " I got a missed call from this number ''. Based on my caller ID number they ask me to confirm my name, but won't tell me what the call is for. When I ask, they say it's for " a business matter ''. When I ask " what's the business matter? ", they say they can't tell me until they confirm who they're speaking with. Why would I give my personal information if I don't know what it's for? Identity theft is real... I go back and forth with probably 10 of them to try and find out what I'm disclosing personal information for. And nobody will tell me until one of them slipped and said " a collection '' after I had to ask at least 4 times. It's no secret I called many times to try and get answers.…