Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
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 They have deliberately maintained an outdated residential address on my credit file that is over XXXX years old.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. I also formally demanded a written debt validation notice, including the original contract proving their legal ownership of the debt.The representative explicitly refused to accept or input my current address, stating that he " would rather not do that. '' Furthermore, the representative explicitly refused my request to email the verification contract. Instead, the agent utilized high-pressure verbal tactics to demand an immediate payment of {$500.00} on the alleged {$960.00} balance. XXXX days later, this agency actively pushed a fresh negative update to XXXX, listing the account as actively overdue as of XXXX XXXX explicitly refusing to accept my updated address, the agency is intentionally evading its statutory requirement under 15 U.S.C. 1692g to provide a written Debt Validation Notice. Furthermore, demanding a partial verbal payment while actively denying my federal right to written debt verification constitutes unlawful " overshadowing. '' Lastly, calling me under the name " Credit Management Company '' while reporting the trade line to XXXX under the name " Collection Management '' constitutes a deceptive practice designed to hide their corporate identity and confuse the consumer, violating 15 U.S.C. 1692e.Please be advised that this phone call occurred on XX/XX/XXXX, and was recorded by the collection agency 's automated system. I demand that this agency 's compliance department immediately preserve, retrieve, and review this audio recording, which contains definitive proof of these severe FDCPA and regulatory violations.Because this agency actively refuses to provide federal debt verification, utilizes deceptive name-swapping practices, and intentionally evades its record-keeping duties under Regulation F, I demand that Collection Management / Credit Management Company immediately cease all collection activities and completely delete this fraudulent trade line from my credit report.

Company response to consumer: Closed with explanation