Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Consolidated Management Group, LLC
State: PA

Complaint narrative:
On XX/XX/year> I sent a dispute to XXXX  XXXX. XXXX XXXX XXXX, XXXX  XXXX certified mail stating Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent Subject : Formal Dispute of Inaccuracies on My Credit Report I am writing to formally dispute inaccurate and misleading information on my XXXX  consumer credit report. The presence of these errors is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, specifically 15 USC 1681e ( b ) and 1681s-2. These inaccuracies have caused significant financial harm by affecting my creditworthiness and ability to secure fair credit terms. 
Inaccuracies Identified 1. Incorrect Personal Information : My name appears incorrectly in multiple variations, including " XXXX XXXX XXXX, " " XXXX XXXX, " and " XXXX XXXX XXXX. 
" My correct legal name is XXXX XXXX XXXX XXXX. 
My business name is XXXX XXXX XXXX, yet it appears incorrectly as " XXXX XXXX XXXX '' and " XXXX XXXX XXXX. 
" XXXX. Incorrect Addresses : My report includes incorrect addresses, such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct and current address is : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX. Incorrect Account Status and Reporting : Accounts Reported as Both Charge-Off & Collection ( Contradictory Reporting ) : XXXX XXXX XXXX Account # XXXX Balance : {$0.00} FXXXX XXXX Account # XXXX Balance : {$0.00} XXXX Co Account # XXXX Balance XXXX {$0.00} XXXX Account # XXXX Balance : {$0.00} XXXX XXXX XXXX Account # XXXX Balance : {$0.00} Reason : A charge-off means the debt has been written off, and reporting it as both charge-off and a collection is contradictory and inaccurate. This must be corrected immediately. 
Accounts with Incorrect Balance/Status : XXXX XXXX XXXX XXXX Account XXXX XXXX Balance : {$250.00} Reason : This account was settled and paid in full but is still reported as a charge-off. 
XXXX XXXX  XXXX Account # XXXX Balance : {$3200.00} Reason : The balance is incorrect and must be corrected. 
Accounts with No Legal Standing to Collect : XXXX XXXX Account # XXXX Balance : {$1400.00} XXXX XXXX  Account # XXXX Balance : {$1100.00} XXXX XXXX  Account # XXXX Balance : {$1000.00} XXXX XXXX  Account # XXXX Balance : {$1300.00} Reason : These debts have been discharged and should not be listed as active. 





XXXX XXXX XXXX Account # XXXX Balance : {$710.00} XXXX XXXX XXXX Account # XXXX Balance : {$710.00} XXXX Account # XXXX Balance : {$130.00} XXXX  Account # XXXX Balance : {$100.00} XXXX XXXX XXXX Account # XXXX Balance : {$71.00} Reason : These collectors have no legal jurisdiction to collect on these debts. 
Debt Collector Dispute Validation Request & Cease and DesisXXXX XXXX XXXX Account # XXXX Creditor Address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Account # XXXX Balance : {$720.00} I request full debt validation pursuant to 15 USC 1692g ( b ), including : A signed agreement with the original creditor showing I agreed to this debt. 
All statements related to this account. 
Proof that this debt was not already discharged or settled.These agencies are illegally attempting to collect a debt I do not owe. If validation is not provided within 10 days, all references must be deleted from my credit report. 
Legal Basis for Dispute & Violations Charge-Offs & Collections : An account can not be both a charge-off and a collection. Reporting both is fraudulent and violates FCRA 15 USC 1681s-2. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 USC 1692b ( 5 ), 1692 ( 2 ) ( A ), 1692e ( 3 ), 1692 ( 6 ) ( B ), 1692 ( 9 ), 1692 ( 10 ), 1692 ( 11 ) These agencies are misrepresenting debts and falsely attempting collection. 
If these violations persist, I will file : IRS Form 3949-A for tax fraud related to charge-offs. 
Complaints with the Consumer Financial Protection Bureau ( CFPB ). 
Legal action under

15 USC 1692k for damages. Request for Investigation & Written Response I demand that : XXXX XXXX XXXX XXXX. A full investigation is
conducted within XXXX  days. 
Corrections or deletions of inaccurate items are made immediately. 
A written confirmation of these changes is sent to me. 
Notify all credit bureaus ( including XXXX  and XXXX  ) that have received my credit report of the corrections made, ensuring that my updated credit file is properly reflected across all agencies. 
If my dispute is not resolved within XXXX  days, I will pursue legal remedies. I still havent received a response within the XXXX  days

Company response to consumer: Untimely response