Consumer complaint received 2026-01-23 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:
Credit Management Company failed to properly validate an alleged medical debt after a timely validation request and instead sent billing statements that do not establish legal authority to collect. Despite claiming they provided the requested information, they failed to produce documentation required under federal law. 
What happened I sent Credit Management Company a written request for debt validation under 15 U.S.C. 1692g ( b ). I specifically requested documentation establishing their legal authority to collect, including proof of assignment or ownership of the alleged debt. 
In response, Credit Management Company sent a cover letter stating, Enclosed is the information that was requested, and attached medical billing statements from XXXX XXXX XXXX XXXXXXXX XXXX. 
These documents do not constitute proper validation. 
The materials provided : Do not show that Credit Management Company owns the debt Do not include a bill of sale or assignment Do not establish a chain of title Do not demonstrate authorization to collect in their own name Do not include any signed agreement creating a legal obligation between myself and Credit Management Company Medical billing statements only show that services were rendered and insurance adjustments were applied. They do not establish that a third-party debt collector has lawful authority to collect. 
Why this is a problem Under 15 U.S.C. 1692g ( b ), once a consumer disputes a debt and requests validation, a debt collector must cease collection until it provides verification of the debt. Courts have made clear that billing statements alone do not establish legal authority to collect. 
By falsely claiming that they provided the requested validation while failing to supply proof of assignment or ownership, Credit Management Company misrepresented the status of the debt and continued collection activity without proper validation. 
This conduct is misleading, deceptive, and violates federal consumer protection law. 
Laws and regulations involved FDCPA 15 U.S.C. 1692g ( b ) ( failure to properly validate debt ) FDCPA 15 U.S.C. 1692e ( false or misleading representations ) FDCPA 15 U.S.C. 1692f ( unfair collection practices ) If Credit Management Company is reporting or furnishes this account to credit reporting agencies without proper validation, additional FCRA violations may apply. 
What I want resolved I am requesting that Credit Management Company be required to : Cease all collection activity unless and until proper validation is provided Provide documented proof of legal authority to collect, including chain of title or assignment Remove and/or refrain from furnishing any credit reporting related to this account unless lawful validation exists Correct any internal records falsely indicating that the debt was validated If they can not provide lawful validation, this account must be closed and returned to the original provider. 
Additional information This appears to be a common tactic where medical debt collectors forward provider billing statements while avoiding disclosure of ownership or assignment. I am preserving all documentation and correspondence for potential legal action if the conduct continues.

Company response to consumer: Closed with explanation