Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Credit Management Company / Collection Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Formal Demand for Validation and Removal of Alleged Debts Accounts in Dispute : Collection Management Account # XXXX {$1000.00} Credit Management Company ( XXXX  ) Account # XXXX {$570.00} Credit Management Company ( XXXX  ) Account # XXXX {$830.00} To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the above-referenced collection accounts currently being reported on my credit report. I do not acknowledge or accept these debts, and I demand complete, verifiable proof that your company has the legal right to collect or report them.

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not permitted to assume these debts are valid or continue any collection or reporting activity until you have provided all documentation listed below.

Required Documentation The original signed contract or agreement establishing each alleged obligation and bearing my signature.

A complete chain of assignment or ownership, showing every sale, transfer, or assignment of the debts from the original creditor to your company, with names, signatures, and dates.

Proof of ownership or assignment, including a bill of sale or transfer agreement showing Credit Management Company / Collection Managements authority to collect.

A complete itemized accounting showing how each balance ( {$1000.00}, {$570.00}, {$830.00} ) was calculated, including principal, interest, late fees, and any adjustments.

The name, address, and contact information of the original creditor, and the account open and charge-off dates.

Copies of all correspondence or billing statements you claim were sent to me, with proof of delivery or mailing.

Proof of your license and authorization to collect debts in the State of Ohio, including your license number and bonding information.

The name, title, and contact information of the individual who verified these accounts during any previous reinvestigation or bureau update.

Legal Notice A billing statement, internal note, or system printout is not proper validation under the FDCPA. Continuing to collect or report these accounts without complete documentation will be considered a willful violation of FDCPA 809 ( b ) and FCRA 611 ( a ).

If you can not provide complete validation within 30 days, you must : Delete all three accounts from every credit bureau.

Cease all collection activity immediately.

Confirm in writing that these accounts have been permanently removed from your system.

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Ohio Attorney Generals Office. I also reserve the right to pursue civil damages under 15 U.S.C. 1681n, 1681o, and 1692k for willful and negligent violations.

This is not a request for an explanation or summary it is a demand for verifiable proof. If you can not produce the required documentation within the legal timeframe, you must immediately delete these accounts and cease all reporting activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation