Consumer complaint received 2025-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
I am filing this complaint against Credit Management Company for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) regarding the unlawful collection and reporting of an alleged debt ( Account No. XXXX ). 

On or about XX/XX/XXXX, I was contacted by the debt collector regarding this account. I disputed the validity of the debt and requested proper verification. Despite my dispute, the company continued communicating and furnishing this account to consumer reporting agencies as if it were valid and undisputed.

This conduct violates several provisions of federal law : 15 U.S.C. 1692c ( a ) Prohibits communication with a consumer without consent or at inconvenient times. The collector continued to contact me despite lack of consent.

15 U.S.C. 1692e ( 8 ) Prohibits communicating false credit information, including failing to note a dispute. The company reported the account as active and undisputed even after I formally disputed it.

15 U.S.C. 1692f Prohibits unfair or unconscionable collection methods. Continuing to report an unverified, disputed debt as valid constitutes an unfair practice.

15 U.S.C. 1692g ( b ) Requires suspension of collection until verification is provided. The company ignored this obligation.

15 U.S.C. 1681s-2 ( b ) Requires furnishers to investigate and correct inaccurate credit information once notified by a consumer or credit bureau . The collector has failed to conduct a lawful reinvestigation.

This type of conduct has been found unlawful in multiple federal cases, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX collection on a disputed, unverified debt violates 1692c and 1692g. 

XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Unauthorized communications are actionable under 1692c. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX Cir. XXXX ) Reporting disputed debts without noting the dispute is misleading under 1692e ( 8 ).

I request that the CFPB ensure : Immediate deletion of this account from XXXX, XXXX, and XXXX within 4 business days ; Written confirmation from the collector that all communication and reporting activities have ceased ; and Enforcement actions or penalties for the continued unlawful furnishing of this disputed, unverified account.

This collectors actions have caused harm to my credit standing and peace of mind, in direct violation of federal law. I am seeking prompt corrective action and regulatory enforcement to ensure compliance.

Any correspondence received from the collector Consumers statement of refusal to pay : I hereby state, under 15 U.S.C. 1692c ( c ), that I refuse to pay this alleged debt. The collector is prohibited from further contact except to provide written confirmation that the account has been deleted or that collection activity has been terminated. Thank you.

Company response to consumer: Closed with explanation