Consumer complaint received 2021-08-30
Company: The CMI Group, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from CREDIT MANAGEMENT LP In attempt to collect a debt from XXXX behalf of XXXXXXXX XXXX XXXX XXXX XXXX XXXX. in which I responded asking for them to provide me with the 5 things that constitutes validating a debt, and even thats not validation but nonetheless an allegation unless I agree, pursuant to 15 U.S. Code 1692g - Validation of debt ; I continued to respond by Denying all allegations and to cease all contact with me. CREDIT MANAGEMENT LP. contacted me on several Occasions after telling to cease all contact with me, in which was all on a recorded line, A debt collector for the company CREDIT MANAGEMENT LP by the name of XXXX admitted to fraud by telling me that 1. this was an attempt to collect a debt and 2. that she received my information from someone who I did NOT give permission to give my information to anybody which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection. ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer. I proceeded to ask XXXX if there was a senior executive that I could speak with but I was told that I was speaking with the only person who could help me and that she's not aware of these federal laws stated and that if this alleged debt wasn't paid then an attorney would get involved which resulted in a negative furnished to my consumer credit file and fines ; which is a violation pursuant to 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. ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. CREDIT MANAGEMENT LP contacted me again at very inconvenient times that I explained to them I was headed to a funeral, which is a violation of 15 U.S. Code 1692c - Communication in connection with debt collection " ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector. a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Pursuant to 15 U.S. Code 1692k - Civil liability. ( a ) Amount of damages 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 such additional damages but not exceeding {$1000.00} per violation. I, XXXX XXXX Natural Person, Consumer And Original Creditor ; I demand that you remove this from my consumer report within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief