Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by Credit Management Company that has not been validated despite multiple requests. ACCOUNT AT ISSUE : Creditor : Credit Management Company Account Number : # XXXX Balance : {$1900.00} NATURE OF THE DISPUTE : This account is being reported as a collection account ; however, I have not been provided with any documentation to support the validity of this alleged debt. Though I've requested numerous times by disputing with the credit bureau and all they say is " Verified '' and requesting signed medical documents from the collection agency and get no response. I have contacted Credit Management Company directly and requested : The name of the original provider ( hospital or medical office ). A full itemized breakdown of the charges. Documentation supporting the alleged debt. To date, none of this information has been provided. FAILURE TO VALIDATE THE DEBT : As a third-party collection agency, Credit Management Company is required to be able to validate the debt they are attempting to collect. However, they have failed to provide : Any signed agreement or contract. Any itemized billing statement. Any documentation from the original creditor. Any proof that I am legally responsible for this debt. Without this documentation, the debt can not be considered verified. FDCPA VIOLATIONS : Under the Fair Debt Collection Practices Act : A collection agency must not attempt to collect a debt that can not be validated. A collection agency must not misrepresent the character, amount, or legal status of a debt. Continuing to report and attempt to collect this account without providing validation raises concerns regarding compliance with federal law. FCRA VIOLATIONS ( FURNISHER RESPONSIBILITIES ) : Under FCRA 1681s-2, Credit Management Company is required to : Provide accurate information to credit reporting agencies. XXXX an investigation when a dispute is received. Correct or delete inaccurate or unverifiable information. Despite multiple disputes, they have failed to provide any documentation or validation. MEDICAL / PRIVACY CONCERNS : This account appears to be related to XXXX XXXX. I have not been provided with : The name of the original medical provider. Any documentation showing authorization to disclose this information. This raises concerns regarding the handling of sensitive information and whether proper authorization exists. BURDEN OF PROOF : The burden of proof rests with Credit Management Company. I am not required to prove that this debt is invalid. They are required to prove : That the debt is valid. That the amount is accurate. That they have the legal right to collect. And signed medical documents FAILURE TO PROVIDE DOCUMENTATION DESPITE REQUESTS : This is not a situation where no request was made. I have already requested : XXXX XXXX billing XXXX creditor information XXXX signed by me for this debt. The failure to provide any documentation while continuing to report this account is unacceptable and in violation of the law.

Company response to consumer: Closed with explanation