Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
on XX/XX/XXXX I was contacted by Credit Management Company attempting to collect a debt that I had settled directly with the business. This was five or six years ago that I settled. 

On XX/XX/XXXX I responded to XXXX via a reply to their email, disputing the debt and requesting proof that a debt was mine. Here is my reply and the original email from XXXX. 

To Whom It May Concern, I am writing in response to your claim that I owe a debt related to XXXX XXXX XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide written validation of this debt, including but not limited to : The original creditors name and account number ; Documentation proving the debts validity and your legal right to collect it ; Evidence that this debt remains outstanding and was not previously settled. 
I dispute this debt in its entirety. To my knowledge, this matter was fully settled with XXXX XXXX XXXX directly, on or about XXXX. Without evidence to the contrary, your claim appears to be either a mistake or an intentional misrepresentation. Should you fail to substantiate this debt, I will consider your actions a violation of federal law and reserve the right to pursue appropriate remedies. 

Additionally, I closely monitor my credit reports, and no collections related to this alleged debt appear on my record. While this is not conclusive, it further supports my position that your claim is unfounded. 

If I am forced to expend time and resources retrieving files to disprove this claimdue to your failure to validate the debtI will seek compensation for my efforts at my professional rate of {$170.00} per hour. 

Please be advised that any continued collection attempts without proper validation may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and other relevant authorities. 

I expect your response, including all requested documentation, within 30 days of your receipt of this letter, as required by law. Send all correspondence to [ your mailing address ]. 
Sincerely, XXXX  Regards, XXXX From : Credit Management Company XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX  To : XXXX XXXX Subject : XXXX, XXXX : Information About Your Account Credit Management Company Logo Credit Management Company XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Free : XXXX Fax : XXXX / TEL. : XXXX Office Hours : ( Central Time ) Mon-Fri XXXX Dear XXXX, XXXX : Reference Number : XXXX Credit Management Company is a debt collector . We are trying to collect a debt you owe to XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX, XXXX purchased your account from XXXX XXXX XXXX XXXX. We will use any information you give us to help collect the debt. 

Our information shows : You had an account from : XXXX XXXX XXXX XXXX with account number : XXXX. 

To make a payment today, visit us online at : https : //www.creditmanagementcompany.comXXXX  How can you dispute the debt? 

Call or write to us by : XX/XX/XXXX, to dispute all or part of the debt. If you do not, we will assume that our information is correct. 

If you write to us by : XX/XX/XXXX, we must stop collection on any amount you dispute until we send you information that shows you owe the debt. You may use the form below or write to us without the form. You may also include supporting documents. We accept disputes by U.S. Mail and by Email ( addresses listed at the top of this letter ) What else can you do? 

Write to ask for the name and address of the original creditor. If different from the current creditor. If you write by : XX/XX/XXXX, we must stop collection until we send you that information. You may use the form below or write to us without the form. We accept disputes by U.S. Mail and by Email ( addresses listed at the top of this letter ). 
Go to https : //www.cfpb.govXXXX to learn more about your rights under federal law. For instance, you have the right to stop or limit how we contact you. 

Contact us about your payment options at XXXX or + XXXX. 
As of : XX/XX/XXXX, you owed : {$640.00} Between XX/XX/XXXX and Wednesday, XX/XX/XXXX : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$640.00} Notice : See below for important information. 

Mail this form to : Credit Management Company XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX To : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX How do you want to respond? 

Check all that apply : [ ] I want to dispute the debt because I think : [ ] This is not my debt. 

[ ] The amount is wrong. 

[ ] Other ( please describe on the reverse or attach additional information ) [ ] I want you to send me the name and address of the original creditor. 

[ ] I enclosed this amount : $ XXXX  Make your check payable to : Credit Management Company. Include Reference ID : XXXX Please be advised that the following state and municipal disclaimers are only applicable to consumers living in those states or municipalities. Any check returned for insufficient funds or account closed may be assessed a processing fee if permitted by state law. Please be advised that the following state and municipal disclaimers are only applicable to consumers living in those states or municipalities. Any check returned for insufficient funds or account closed may be assessed a processing fee if permitted by state law. 

If you have a visual impairment and need an alternate version of this letter, please reach out to us by using any contact method located at the top of the first page and request one of the following : Reprinted letter with a significantly larger printed font size ( XXXX points ) An audio recording delivered via email in an XXXX XXXX  format The audio version can also be played for a consumer via a toll-free telephone call ( upon request ). 
NOTICE : SEE BELOW FOR IMPORTANT INFORMATION This email was sent to XXXX on behalf of Credit Management Company. 

Click here to Unsubscribe This e-mail communication is covered by the Electronic Communications Privacy Act of XXXX ( XXXX ), XXXX XXXX. XXXX. This communication is CONFIDENTIAL. 

The information contained herein is intended only for disclosure to or use by the person ( s ) listed above. If you are neither the intended recipient ( s ), nor a person responsible for the delivery of this communication to the intended recipient ( s ), you are hereby notified that any retention, dissemination, distribution or copying of this communication is strictly prohibited.

This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

XXXX Credit Management Company logo

Company response to consumer: Closed with explanation