Consumer complaint received 2024-09-17
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC (FL)

I am writing to formally dispute the inclusion of a collection account on my credit report that has been unlawfully reported by COLLECTION MANAGEMENT. These collection account is not only erroneous but represents a flagrant violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). The actions taken by this debt collector are abusive, deceptive, and unfair, all of which are explicitly prohibited under federal law. 1. Lack of XXXX XXXX and XXXX XXXX : The debt collector has furnished an account on my credit report for which there is no valid or enforceable contract. As per contract law, a binding agreement requires the explicit consent and signatures of all parties involved. I categorically state that I have never signed or agreed to any contract related to this debt. This account was reported without my authorization, rendering its presence on my credit report not just erroneous but illegal. XXXX. Failure to Adhere to FDCPA Validation Requirements : Moreover, the debt collector has failed to comply with the FDCPAs stringent requirements for debt validation. The XXXX mandates a clear and thorough validation process, including the provision of specific documentation and verification of the debt within a prescribed timeframe. In this case, the debt collector has not only neglected to follow the proper XXXX validation procedure but has also willfully ignored their obligation to provide any legitimate proof of the debt. This failure to validate the debt in accordance with federal law is an additional violation, further compounding their liability. XXXX. Deceptive and Unfair Practices : The actions of this debt collector are indicative of a broader pattern of deception and unfairness. By reporting an unsubstantiated debt, they have engaged in practices that are not only deceptive but also predatory in nature. These tactics are designed to exploit consumers, causing undue stress and financial harm. This is not merely a clerical error ; it is a deliberate attempt to collect a debt that is not owed, and such conduct is both unethical and illegal. XXXX. Entitlement to Statutory Damages : Under the FDCPA, I am entitled to statutory damages of {$1000.00} per violation. Given the multiple infractions committed by this debt collector, including unauthorized reporting, failure to validate the debt, and engaging in deceptive practices, I am seeking full compensation for the harm caused. This is a clear violation of my rights as a consumer, and I will not tolerate such unlawful behavior. XXXX. Demand for XXXX XXXX : In light of these egregious violations, I am demanding the immediate removal of this false collection account from all three major credit reporting agenciesXXXX, XXXX, and XXXX. I also require full compensation for the statutory damages as stipulated by the FDCPA. Failure to comply with this demand will result in my immediate escalation of this matter. I am prepared to pursue all available legal remedies, including forwarding this case to my litigation attorney for the filing of a lawsuit against your company. XXXX. Declaration and Legal Implications : I declare under penalty of perjury, under the laws of the United States ( or under the laws of the jurisdiction in which this declaration is executed if outside of the United States ), that the foregoing is true and correct to the best of my knowledge. Furthermore, I am fully aware that knowing and willful misstatements or omissions of material facts are punishable under federal criminal statutes, including 18 U.S.C. 1001 and 18 U.S.C. 1621, which addresses perjury. Additionally, I must highlight that the collection account in question is unrelated to any transaction or activity that I have authorized. I am alleging that my personal identifying information has been fraudulently used by an unauthorized individual or entity to apply for goods, services, or money, resulting in the creation of accounts under my name. This fraudulent activity is currently under investigation by the Federal Trade Commission ( FTC ), adding further urgency to the need for immediate resolution.