Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
I am filing against Financial Management Solutions ( FMS ) for willful violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and Violence Against Women Act related to a debt from XXXX XXXX at XXXX. CHRONOLOGY : 1. EARLY XXXX - DOMESTIC XXXX & ILLEGAL NON-RENEWAL : I am a victim of domestic violence. I contacted XXXX Police for emergency assistance. After seeking police help, XXXX XXXX at XXXX informed me my lease would NOT BE RENEWED " because of domestic disturbances. '' XXXX XXXX provided this refusal to renew in writing, citing " domestic disturbances '' as the reason after I contacted police as a domestic violence victim. This written admission is direct evidence of retaliation in violation of VAWA 34 U.S.C. 12491 ( b ) ( 1 ) and Maryland Real Property 8-5A-02, which make it illegal to refuse to renew tenancy because a tenant is a domestic violence victim or called police. This was an illegal constructive eviction. 2. WRONGFUL EVICTION & PROPERTY DAMAGE : Following the illegal non-renewal, I was forcibly displaced from my home. The landlord later admitted the action was a mistake. During the eviction, my furniture and personal property was damaged and defaced. My minor son, who is XXXX, and I suffered housing insecurity, causing severe emotional distress and medical risk due to XXXX XXXX XXXX XXXX 3. DEBT PAID IN FULL BEFORE XXXX : After admitting error, the alleged balance of {$17000.00} was PAID IN FULL by XXXX XXXX, a Maryland nonprofit providing emergency rental assistance. The debt was fully satisfied. I made no payments personally in XXXX. XXXX. XX/XX/XXXX : FMS was assigned the debt. Date of First Delinquency reported as XX/XX/XXXX. XXXX. XX/XX/XXXX : FMS is currently reporting to XXXX that : - Balance : {$17000.00} UNPAID - Status : UNPAID, JOINT_ACCOUNT - Last Payment Date : XX/XX/XXXX VIOLATIONS OF FEDERAL LAW : VIOLATION 1 - FCRA Section 623 ( a ) ( 1 ) : FMS is furnishing false information by reporting a debt as UNPAID that was paid in full by XXXX XXXX before XXXX. VIOLATION 2 - FCRA Section 623 ( a ) ( 1 ) : FMS fabricated " Last Payment Date : XX/XX/XXXX '' on the credit report. No payment was made in XXXX. This false date illegally re-ages a satisfied, time-barred debt and extends the statute of limitations from XX/XX/XXXX to XX/XX/XXXX. VIOLATION 3 - FDCPA Section 807 ( 2 ) ( A ) : FMS misrepresents the character, amount, and legal status of the debt by reporting {$17000.00} owed when the debt was satisfied. VIOLATION 4 - FDCPA Section 808 : Attempting to collect a debt already satisfied by XXXX XXXX is an unfair and unconscionable practice. VIOLATION 5 - FDCPA Section 807 ( 2 ) ( A ) : The underlying debt arose from a retaliatory non-renewal after seeking police help as a domestic violence victim. Under VAWA and Maryland law, landlords can not refuse to renew for domestic violence. FMS is collecting a debt that is void as a matter of public policy. VIOLATION 6 - VAWA & MD REAL PROP 8-5A-02 : The debt stems from an illegal refusal to renew tenancy in retaliation for domestic violence. FMS is enforcing an illegal debt. ACTUAL DAMAGES : FMS 's fraudulent reporting of a paid debt as unpaid with a fabricated XXXX payment date has caused for 3+ years : 1. Denial of housing and credit 2. Severe emotional distress, PTSD symptoms, and chronic anxiety to myself and my XXXX son 3. Medical risk and housing insecurity affecting my son 's XXXX management 4. Property damage and loss from wrongful eviction 5. Humiliation and loss of trust from being punished for calling police as a domestic violence victim 6. Ongoing fear and loss of peace of mind This is willful noncompliance under FCRA Section 616. FMS knew or should have known the debt was paid by XXXX XXXX before XXXX, yet continued reporting it as unpaid with a false payment date. EVIDENCE : I have screenshots of the XXXX tradeline showing {$17000.00} UNPAID and false " Last Payment Date : XX/XX/XXXX. '' FMS is in possession of communications with XXXX XXXX proving the debt was paid in full before XXXX. I demand FMS produce all records of XXXX XXXX payments to CFPB for investigation. FMS 's continued reporting after receiving XXXX XXXX payment constitutes willful fraud. I am filing concurrent complaints with the Maryland Attorney General Consumer Protection Division and U.S. Department of Housing and Urban Development ( HUD ) for VAWA violations. I have not contacted FMS directly due to the severity of fraudulent reporting involving harm to a diabetic child and retaliation against a domestic violence victim. I request federal intervention, maximum statutory penalties, and referral for investigation.

Company response to consumer: Closed with explanation