Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX and Credit Management Company ( CMC ) both failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Neither company provided the legally required notices before furnishing information to the credit bureaus. XXXX XXXX XXXX XXXX scouted and reported the alleged debt directly to my credit reports without contacting me, and later sold or transferred the debt while their tradeline was still active on my file. As a result, both XXXX XXXX XXXX and Credit Management Company ( CMC ) reported the same or related debt within a span of two weeks, causing a combined drop of over XXXX  points to my credit score. This duplicative and inaccurate reporting occurred without any prior notice or communication I only discovered the reporting through alerts and had to initiate contact myself. I submitted disputes and contacted XXXX XXXX XXXX XXXX to request corrections. Even though the disputes were successful. Their failure to notify me, validate the debt, or remove their tradeline upon transfer constitutes a violation of my consumer rights under FDCPA 807 and FCRA 623 ( a ). I am reporting both companies for these violations and the resulting harm to my credit standing and legal protections.

In accordance to Credit Management Company the new furnisher- I have tracking showing my letter entered the USPS network ( XX/XX/XXXX, stuck XX/XX/XXXX ) Credit Management Company did not provide tracking or mail receipt of any kind just a vague statement in email : > " We sent it on XX/XX/XXXX. It's on the way. '' Thats not legally acceptable under FDCPA 809 ( b ). Debt collectors must validate, not just claim to be validating.

Timeline With Clarified Note : Date : Event XX/XX/year> : I emailed first debt validation request to CMC and XXXX XXXX XXXX XXXX to clear confusion. 
XX/XX/year> : Second email following up. XXXX XXXX, Senior Collection 's Manager from Credit Management Company requested D.o.B verification even though they already reported to credit bureaus ( stalling ). Despite no prior communication or relations. XXXX XXXX also mentions they sent a letter, though they just recently was handed this alleged account between XX/XX/XXXX to XX/XX/XXXX ( reported to credit bureaus ). Not enough time to receive notice especially if usps is having major delays amongst their company. 
XX/XX/year> : I mailed certified debt validation letter via USPS ( tracked and documented ) XX/XX/year> : ( claimed by CMC ) CMC says they mailed an itemized statement ( no proof of mailing, no tracking, no arrival ) XX/XX/year> : CMC emailed saying itemized statement was on the way no tracking or evidence provided despite repeated requests. Sent email to them alerting them that this itemized statement alone will not be considered full and proper validation if it doesn't fulfill all that I requested. 
XX/XX/year> : My certified mail shows " in transit '' since this date stuck in USPS system ( verified by daily checks ) XX/XX/year> : Third email sent to CMC to update usps delay ( I sent copies of what's in the letter in good faith ) XX/XX/year> : I confirm again that no letter from CMC has been received and still no proof of mailing provided XXXX XXXX XXXX XXXX reported XX/XX/year> Credit Management Company reported XX/XX/year>. CMC just went straight to reporting to Credit Bureaus.

Company response to consumer: Closed with explanation