Consumer complaint received 2026-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Mutual Management Services LLC
State: GA

Complaint narrative:
To Mutual Management Services LLC : I am formally disputing the validity, accuracy, ownership, enforceability, and legal collectability of the alleged debt you claim I owe regarding XXXX XXXX XXXX. I dispute this alleged debt in its entirety. Your company is currently furnishing information concerning this account to consumer reporting agencies while reporting conflicting and inconsistent account information. The account number referenced in your correspondence dated XX/XX/year> does not match the account identifiers appearing on my consumer reports. Specifically, your correspondence references account number XXXX, while different account identifiers are being furnished to the consumer reporting agencies. These discrepancies raise serious concerns regarding the accuracy, completeness, and verifiability of the information your company is reporting. Because this account is disputed, I demand that Mutual Management Services provide competent evidence establishing that I owe this debt and that your company has the legal authority to collect and furnish information concerning it. Accordingly, I request the following : A complete copy of the original signed lease agreement and all addenda bearing my signature A complete itemized accounting showing how the alleged balance of {$2500.00} was calculated A move-out statement and final disposition accounting supporting every charge assessed The purchase agreement, assignment agreement, placement agreement, servicing agreement, or any other contract establishing your authority to collect this alleged debt Documentation identifying the original creditor and establishing the chain of authority allowing Mutual Management Services to collect and furnish information concerning this account Documentation establishing the date of first delinquency A written explanation reconciling all conflicting account identifiers appearing in your records and on consumer reporting agencies Proof that Mutual Management Services is properly licensed, authorized, and bonded to collect this alleged debt in the applicable jurisdiction Furthermore, I hereby revoke any consent previously granted for communication by telephone, cellular telephone, text message, automated dialing system, prerecorded message, email, or any other electronic means. I demand that all future communications regarding this matter be made exclusively in writing. I believe Mutual Management Services conduct raises concerns regarding compliance with the following provisions : 12 CFR 1006.34 ( b ) ( 5 ) This provision requires debt collectors to provide validation information regarding the debt and the consumers rights. Although your company has issued correspondence regarding this account, I continue to dispute the validity and accuracy of the alleged obligation and have not been provided with sufficient documentation establishing the basis for the amount claimed, your authority to collect, or documentation reconciling the conflicting account identifiers associated with this account. 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This provision concerns a consumers right to dispute a debt and obtain verification. I am exercising my right to dispute this alleged debt in its entirety and am requesting competent documentation supporting the debt. To date, I have not been provided with documentation sufficient to verify the alleged obligation, including the records requested in this complaint. 12 CFR 1006.34 ( d ) This provision requires debt collectors to provide required disclosures concerning the debt and the consumers rights. Because this account remains disputed and significant inconsistencies exist regarding the account information being furnished, I request that Mutual Management Services demonstrate compliance with all disclosure and validation requirements applicable to this alleged debt. 15 U.S.C. 1681-S2 ( 7 ) ( A ) As a furnisher of information to consumer reporting agencies, Mutual Management Services has a duty to furnish information that is accurate and complete. I am concerned that your company is reporting information that contains conflicting account identifiers and other inconsistencies. The account number referenced in your correspondence differs from the account identifiers appearing on consumer reporting agencies, raising concerns regarding the accuracy and reliability of the information being furnished. Accordingly, I demand that Mutual Management Services conduct a complete investigation of this disputed account and provide all documentation supporting its authority to collect and furnish information concerning this alleged debt. If Mutual Management Services can not fully validate the alleged debt, reconcile the conflicting account information, establish its authority to collect, and substantiate the information being furnished to consumer reporting agencies, I demand that all collection activity cease immediately and that this tradeline be deleted from all consumer reporting agencies to which it has been furnished. I expect a complete written response addressing each item requested above. XXXX XXXX

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