Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Management Services, LP
State: NY

Complaint narrative:
I recently received two collection notices from Capital Management Services , LP regarding an alleged XXXX  XXXX XXXX account. The first notice was dated XX/XX/year>, and the second notice was dated XX/XX/year>. Both letters list the same alleged balance but do not provide any validation, such as a signed agreement, itemized accounting, or proof that the debt belongs to me. 

Capital Management Services continued collection activity without supplying validation, which violates FDCPA 15 U.S.C. 1692g ( b ). Attempting to report or furnish unverified information also violates FCRA 609, 611, and 623 ( a ). The two recent letters show inconsistent options and incomplete information, raising concerns about the accuracy and legitimacy of the alleged debt.

I am requesting CFPB assistance to ensure the account is properly validated and that no inaccurate or unverified information is reported to the credit bureaus. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX Formal Dispute and Demand for Permanent Deletion of an Inaccurate XXXX  XXXX XXXX Collection Account FCRA 609 / 611 / 623 ( a ) To Whom It May Concern, I am formally disputing the accuracy and validity of a collection account related to XXXX XXXX XXXX XXXX XXXX which recently appeared on my credit report. I have received two recent collection notices from Capital Management Services , LP attempting to collect the same alleged debt with inconsistent and unverified information. 

Recent Notices Received : 1. Capital Management Services Reference : XXXX Letter dated XX/XX/year> Alleged balance : {$3800.00} 2. Capital Management Services Reference : XXXX Letter dated XX/XX/year> Alleged balance : {$3800.00}, and offering settlement options These letters show inconsistencies and lack proper validation required under federal law. I disputed the debt, but Capital Management Services has not provided validation, such as a signed agreement or complete itemization.

Legal Violations in Reporting and Collection 1. Failure to validate the XXXX  XXXX XXXX debt Under FDCPA 15 U.S.C. 1692g ( b ), collectors must provide : A signed contract or application with my signature Full itemization of the alleged balance Proof of ownership or assignment from XXXX  XXXX XXXX Full accounting of all charges and payments None of this has been provided.

2. Possible inaccurate or incomplete reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The
collector can not report information that is : Inaccurate Unverified Incomplete Capital Management Services is reporting or attempting to report a debt without validation.

3. Information must meet maximum possible accuracy ( FCRA 607 ( b ) ) Two recent letters with inconsistent settlement terms and without validation raise serious accuracy concerns.

4. Continued attempts to collect without validation FDCPA requires all collection to stop until validation is provided.

This has not occurred.

DEMAND FOR PERMANENT DELETION ( FCRA 611 ) I am requesting the following : Full reinvestigation Permanent deletion of the XXXX  XXXX XXXX collection account Removal of all duplicate entries Written confirmation of deletion Copies of all documents used in your investigation If XXXX  XXXX XXXX or Capital Management Services can not validate the alleged debt properly, the account must be deleted immediately.

Continued reporting of an unverified debt will result in complaints to the CFPB, FTC, and the New York Attorney General.

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation