Consumer complaint received 2024-11-29 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Assistance in Resolving Violations of FDCPA and FTC Act Regarding Credit Management Company Dear CFPB, I am writing to request your assistance in addressing serious concerns regarding a collection account reported to my credit file by Credit Management Company . The reported account, which I do not recognize, totals {$3600.00} and was listed with an " opened '' date of XX/XX/year> on all three major credit bureaus. 

Upon noticing this entry on XX/XX/year>, I immediately contacted Credit Management Company at the number listed on my credit report ( XXXX ) and later independently verified this number on their website. However, when I called, the representative informed me that this was the " wrong number '' and redirected me to another line ( XXXX ), which connected to a third-party call center in XXXX XXXX XXXX XXXX. 

Key Concerns and Violations Illegal Sharing of Personal Information : Credit Management Company appears to have illegally shared or sold my personal information to a third-party entity overseas without my explicit consent. This violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from sharing personal information with third parties except under specific exceptions, such as obtaining location information, court orders, or the consumer 's explicit consent. 

There is no court order, nor have I ever provided explicit consent, for my personal information to be shared with any third party. 

Lack of Data Security and Confidentiality : The XXXX call center admitted to having my personally identifiable information ( PII ) but failed to provide adequate assurances about its confidentiality and security. This is a direct violation of the Federal Trade Commission ( FTC ) Act, which prohibits unfair or deceptive practices, including inadequate safeguarding of personal data. 
Failure to Validate the Debt : During the call, the representative confirmed some of my personal information but could not provide any supporting documentation to validate the debt, such as a signed agreement or proof of the original account. 

When I requested this information, I was told that I would need to provide additional PII to receive anything by mail. I declined due to concerns about the mishandling of my personal data and offered to communicate via email. This offer was refused, and they continued to pressure me for more personal information. 

Violations of FDCPA and My Consumer Rights Under the FDCPA, debt collectors are required to : Validate the debt upon request and provide written documentation proving the legitimacy of the claim. 

Avoid sharing personal information with unauthorized third parties. 
Ensure that all communications are handled in a manner that protects consumer rights and privacy. 

Credit Management Company has failed to comply with these requirements and has engaged in practices that appear to be deceptive and unlawful. 

Request for CFPB Assistance I respectfully request that the CFPB investigate Credit Management Company and the third-party entity in XXXX XXXX XXXX XXXX, for the following violations : Unauthorized sharing of my personal information with an overseas entity. 

Failure to validate the debt as required by the FDCPA. 

Deceptive practices that undermine my rights as a consumer and jeopardize the security of my personal information. 

I also request that the CFPB ensure this collection is removed from my credit reports if the debt is found to be invalid or improperly reported. 

Supporting Documentation I have enclosed the following documents to support my case : Copies of my credit report showing the collection entry. 
Records of my communication with Credit Management Company. 
Any additional evidence available upon request. 

Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address these violations and ensure my consumer rights are upheld. Please let me know if you require any additional information or documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation