Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: AZ

Complaint narrative:
I have a medical collection account reported by Credit Management Company. My hospital discharge documentation shows a service date of XXXX. XXXX Credit Management Company is reporting a different service date of XXXX to the credit bureaus. I submitted my hospital discharge document as evidence during multiple dispute rounds with both XXXX XXXX XXXX Both bureaus verified the account as accurate despite the contradictory documentation without explanation. During a phone call with a representative I was subjected to verbally abusive language. The representative stated that my credit would be damaged and terminated the call without resolution. I am requesting the CFPB require Credit Management Company to provide documentation supporting their reported service date of XXXX or remove this account from all three credit bureaus immediately. He also tried to coerce me into paying immediately but I told him I want it in writing and he sent me a letter with language that said he would remove it from the credit bureau when in fact it shouldve said remove it from all credit bureaus. When I called back to inform him that I needed this change made before I agreed to pay, he became extremely angry and abusive towards me by talking over me and hardly letting me get a word in and said I would now be paying the full amount of which I declined because he reneged on the offer in the letter. He said this is your credit that will be damaged and we have thousands of customers, we dont need your money because Im okay with you leaving this outstanding and seeing your credit damaged. I was immediately distraught and became angry the way he was talking to me. I pleaded and tried to reason with him and he wouldnt agree because he didnt seem interested in honoring his offer. He said he had put a deadline date on the letter but I informed him that the day me and him had talked, he sent me the letter within XXXX minutes of business closing hours. I told him I needed my level advisors to scan over the letter to get approval and he said nope. You had a deadline. You refused to honor it. No more deal. Your credit will be damaged if you dont pay the full amount. He went on to say you shouldve called me back but I told him my legal advisors didnt get a chance to review it until after business hours. He said you shouldve called me the next day. I told him it was the weekend. He said why didnt you call me Monday. I told him it was XXXX XXXX, a holiday. And he kept trying to be right and wasnt interested at all in honoring the offer. He also was refusing to correct the language he used in the letter because that wouldve left the opportunity for him to run a bait and switch tactic and only remove it off one credit report and make me pay double to remove it from another. Thats why I think he went off and chose to be abusive so that he wouldnt have to correct the letter wording.

Company response to consumer: Closed with explanation