Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Collection Management. Inc
State: MI

Complaint narrative:
Re : Complaint Against CONSUMER COLLECTION MGMT Fraudulent Third-Party Collection Account Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against CONSUMER COLLECTION MGMT , who is attempting to collect and report a fraudulent account on my credit file. While I do recognize the original creditor XXXX XXXX XXXX I have never entered into any agreement with this third-party collection agency. Their claim is fraudulent, unauthorized, and not my account.

Fraudulent and Unauthorized Collection I have never signed a contract with this company.

They have provided no legal documentation establishing ownership, assignment, or transfer of rights to collect. 

Reporting me as responsible for an account I never contracted with them for is fraudulent and creates false liability.

Consumer Law and Compliance Violations FCRA 609 ( a ) ( 15 U.S.C. 1681g ) Right to Disclosure The agency has failed to provide original signed documentation, chain of title, and full validation of this alleged debt.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Maximum Possible Accuracy Reporting unverifiable and fraudulent information violates the requirement to maintain accurate credit files. 

FCRA XXXX ( a ) ( XXXX XXXX. XXXX ( a ) ) Duty of Furnishers Furnishers XXXX not report information they know, or should know, is inaccurate. Reporting this account without verification violates this section. 

FDCPA XXXX ( XXXX XXXX. XXXX ) Validation of Debts Within XXXX days of first contact, a collector must provide validation. This agency has failed to do so, yet continues to report and collect, constituting deceptive and unlawful practices under 1692e.

Metro 2 Compliance Credit Reporting Resource Guide ( CRRG ) Collections must use correct Metro 2 coding to reflect consumer responsibility and account status.

Status Code 93 must be used for a collection account.

Date of First Delinquency ( DOFD ) must reflect the original creditors delinquency date, not be re-aged.

ECOA Code must reflect actual liability ( they can not code me as contractually liable without proof of contract/assignment ).

Duplicate reporting with the original creditor and this fraudulent collector is not permitted. 

By failing to comply with these requirements, this collection tradeline is being reported inaccurately, fraudulently, and in violation of federal law. 

Requested Relief I respectfully request the CFPB to : Investigate CONSUMER COLLECTION MGMT for fraudulent reporting and unauthorized collection activity. 

Compel deletion of this account from all consumer reporting agencies due to lack of contract, ownership, and validation. 

Enforce compliance with FCRA, FDCPA, and Metro 2 standards.

Ensure that no further collection activity or reporting occurs without proper legal documentation.

This account is fraudulent and not mine, and its continued reporting is causing me harm.

Thank you for your assistance.

Company response to consumer: Closed with explanation