Consumer complaint received 2023-02-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc. (MI)

To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( XXXX  ), which has reported a collections account on my credit report using Credit Management LP for the amount of {$50.00} that originated from incorrectly charging an old account from XXXX. The account has been reported in error, as I do not owe any debt to this company. I have been a long time customer and have proof of payments for all valid charges. 

I have disputed this attempt to collect multiple times and and it was successfully removed from my credit report through the bureau 's. I have provided documentation on the successful removal and the information I submitted to get it successfully disputed. However, XXXX has contracted with a new collections agency, Credit Management LP, and the account has reappeared on my credit report. I believe this action violates the Fair Credit Reporting Act, which requires that information reported to credit bureaus be accurate, complete, and verifiable. 

This collections account is negatively impacting my credit score and my ability to obtain credit, including a mortgage for a home purchase that is currently in progress. I am concerned that this will result in a higher interest rate and financial harm to me in the next 30 days. My wife is also XXXX weeks XXXX  and this is causing significant mental and physical stress on her and the baby. I am concerned for my family 's well being. I am also concerned that I'm being keep from my account information. 

I have attempted to resolve this issue with XXXX directly, but have not received any written documentation acknowledging their mistake. However, XXXX credited my account for the amount of the collection on XX/XX/XXXX, which I interpret as an admission of their error. An agent named XXXX guaranteed that I would be able to see my credit statement within 24 hours after his manager approved the call, which would at least give some documentation to send to the agencies. I have just spent 2 hours on the phone again, Sunday, XX/XX/XXXX, trying to get access to my account so I can at least see the statement credit for the charged error. I spoke with XXXX, XXXX, opened a ticket and now have been given another phone number to try to get access to my account. XXXX also assured me that it was not possible for her to write in my account number in the notes for the ticket to a supervisor so the supervisor knew exactly which account I'm trying to access. I then called again and talked to XXXX, she assured me this was a lie and I can certainly provide the account number in notes to supervisors to help them resolve my issue. The best answer I have heard is a supervisor might call me in 3 hours. Otherwise, they said the only option is to go into a store front and attempt to access there, which doesn't seem correct and does not guarantee me access to my information. 

I am requesting that the collections account be immediately removed from my credit report and that XXXX ( XXXX ) provide me with written documentation that the account has been deleted. I also request that XXXX ( XXXX ) provide me with written confirmation that they will not sell, transfer, or place the debt with any other collection agency. 

Thank you for your attention to this matter. Please let me know if you require any additional information or documentation to process my complaint. You can reach me 24/7 by phone or email. I will be eagerly awaiting your response and I'm hopeful we can find an expeditious solution.