Consumer complaint received 2024-11-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received a notification from a credit bureau that a " collection account '' had been placed on my credit report. This " collection account '' had been placed by Credit Management Company for an alleged medical debt ( image of this collection account on my credit report is attached ). Credit Management Company has never notified me about the existence of this debt or given me proper disclosures about my right to verify or dispute such a debt. I never received a letter from Credit Management Company in the mail. I checked all my emails and text messages and confirmed that I had never received a digital communication from Credit Management Company about this debt. Credit Management Company has violated CFPBs Final Rule ( Final Rule ) which the CFPB has passed to implement the Fair Debt Collection Practices Act ( FDCPA ) requirements regarding disclosures for consumers. See https : XXXX and XXXX XXXX XXXX Before a debt collector furnishes information about a debt to a consumer reporting agency, the Final Rule requires the debt collector to take XXXX or more of several actions to contact the consumer about the debt such as speaking with the consumer about the debts by telephone, mailing a letter to the consumer, or sending an electronic message about the debt to the consumer. If mailing a letter or sending an electronic message to the consumer, the collector must wait a reasonable period of time to receive a notice of undeliverability, such as 14 days, before furnishing information to a Credit Reporting Agency and must not furnish if a notice of undeliverability is received unless the collector takes additional steps. Credit Management Company did not make any attempt to properly notify me of this alleged debt, and of my right to dispute it, before reporting it to the credit bureaus. Furthermore, according to what Credit Management Company has reported to the credit bureaus, the date that this alleged XXXX debt was incurred is XX/XX/XXXX more than XXXX years ago. Under California law, the statute of limitations for pursuing this debt is 4 years. CA Code of Civil Procedure CCP section 337. Therefore, since the statute of limitations has long expired, this debt is unenforceable. Furthermore, under SB 1061, a new section is added to the CA Civil Code which states : 1785.27. ( a ) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency. This new section will go into effect in less than XXXX  months. Credit Management Company has placed this unenforceable medical debt on my credit report only weeks before the new law goes into effect, in an effort to harass and intimidate me and to thwart the will of the California legislature. Credit Management Company has clearly violated multiple federal and state laws and regulations by reporting an unenforceable alleged medical debt to the credit bureaus without ever giving me proper notice of such a debt and giving me the opportunity to get the debt verified or to dispute the debt.

Company response to consumer: Closed with explanation