Consumer complaint received 2021-08-04
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent CREDIT MANAGEMENT a cease and desist order with a debt validation letter attached on XX/XX/21 certified mail with green receipt # XXXX XXXX XXXX XXXX XXXX. I received my green receipt back to my location on XX/XX/21 and it shows that an individual named XXXX  signed confirming that both letters were received on XX/XX/21. This individual is an uninterested party in this matter and my privacy has been breached numerous times by CREDIT MANAGEMENT. First and foremost, I am unsure of who this corporation is and how they received my private information. I do not recall ever doing any business or sharing any of my private information with CREDIT MANAGEMENT and they have violated me several times. In return I demanded in my cease and desist order that CREDIT MANAGEMENT send me an audit trail, respond to debt validation letter so that I can exercise my right in validating the alleged debt, send me ALL documentary evidence and any contractual proof showing that I am obligated to pay the alleged debt, and lastly, deletion from all consumer reports/files. It has been 9 days since an agent for CREDIT MANAGEMENT has received my letters and they have failed to respond in writing as demanded and I have not been granted my right to validate the alleged debt. CREDIT MANAGEMENT is in violation of 15 USC 1692g ( a ) under the FDCPA ( Fair Debt Collection Practices Act ) which states that within 5 days of initial communication with the consumer the debt collector must send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, 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, 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 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. Furthermore, they have furnished information on my consumer reports/files and refuse to remove themselves after several requests from me to do so. Congress finds that this is a violation of the FCRA ( Fair Credit Reporting Act ) ,15 USC 1681b. I did not give written or oral consent to CREDIT MANAGEMENT or its affiliates to report anything to any of my consumer reports/files nor did I receive an option to opt out of having any of my private information shared. CREDIT MANAGEMENT is liable of committing both identity theft and fraud. I need this matter to be resolved immediately due to the fact that my privacy has been violated, my character has been defamed both libel/slander, and CREDIT MANAGEMENT has also harmed my credit worthiness and reputation. I demand that CREDIT MANAGEMENT responds to this matter immediately so that I can exercise my rights, gain my privacy as well as my good credit worthiness and reputation back.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief