Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mutual Management Services LLC
State: HI

Complaint narrative:
Re : CFPB Complaint # XXXX Follow-Up Response to Company 's Denial To Whom It May Concern : I am writing in response to the CFPB 's notice that Mutual Management Services, LLC has stated " the complaint does not belong to them. '' This response is contradictory, misleading, and demonstrates exactly the type of deceptive practice I am complaining about. 

EVIDENCE THAT CONTRADICTS THE COMPANY 'S CLAIM : As shown in the attached credit report screenshots dated XX/XX/XXXX : Mutual Management Services, LLC is actively reporting this debt to TransUnion Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Current Balance : {$18000.00} ( as of XX/XX/XXXX ) Creditor Information clearly states : " MUTUAL MANAGEMENT SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX '' Status : Collection/Charge-Off The account shows " Account information disputed by consumer, meets FCRA requirements '' This is the SAME company that is now telling the CFPB this complaint " does not belong to them. '' THE CONTRADICTION IS CLEAR : If this complaint does not belong to them, then : Why are they reporting this debt to my credit report? 
Why does the credit report show their company name, address, and phone number? 
Why have they been updating the balance ( from {$9900.00} original to {$18000.00} current )? 
Why did they respond to my previous CFPB complaint # XXXX defending the debt as " verified and accurate ''? 

A company can not simultaneously claim they are not responsible for addressing my complaint while actively engaging in collection activity by reporting the debt to credit bureaus and increasing the reported balance. 

PATTERN OF DECEPTIVE CONDUCT : This is not an isolated incident. My complaint history shows : 1. Complaint # XXXX ( XX/XX/XXXX ) - Closed, " XXXX provided '' 2. Complaint # XXXX ( XX/XX/XXXX ) - Closed, " XXXX provided '' 3. Complaint # XXXX ( XX/XX/XXXX ) - Current complaint The company has a pattern of providing inadequate responses without addressing the substance of FDCPA violations, including : Failure to provide debt validation despite certified mail requests Continuing collection activity ( credit reporting ) without validation Repeatedly changing the reported balance without explanation Now, falsely claiming the complaint does not belong to them REQUESTED ACTION : I respectfully request that the CFPB : 1. Reject the company 's attempt to avoid accountability by claiming this complaint does not belong to them 2. Require Mutual Management Services, LLC to properly respond to the substance of the complaint 3. Investigate why the company is denying responsibility to the CFPB while actively reporting the debt to credit bureaus 4. Consider this pattern of inadequate responses and denials as evidence of systematic non-compliance with federal consumer protection laws 5. Take enforcement action if the company continues to refuse proper debt validation while engaging in collection activity I have attached screenshots from my XXXX  credit report clearly showing that Mutual Management Services, LLC is the company reporting this debt. Their denial to the CFPB while continuing to report to credit bureaus appears to be an attempt to avoid scrutiny of their FDCPA violations. 

The CFPB 's mission is to protect consumers from these exact types of deceptive practices. I respectfully ask that you hold this company accountable rather than allowing them to evade responsibility through contradictory denials. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Attachments : - XXXX  Credit Report Screenshots ( XX/XX/XXXX ) showing XXXX XXXX XXXX actively reporting debt - Previous CFPB XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation