Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: IL

Complaint narrative:
I am submitting this complaint regarding an alleged debt that has been reported to the credit bureaus by Consumer Collection Management on behalf of XXXX XXXX. I believe this debt has been improperly assessed and reported, and I am requesting that the Consumer Financial Protection Bureau investigate this matter. 
My household resided at XXXX XXXX from XX/XX/XXXX, to XX/XX/XXXX. When we notified management that we would not be renewing our lease, we provided our new mailing address on two official forms, which were emailed to the leasing office and confirmed as received. We also scheduled a move-out walkthrough for the final day of our tenancy so any concerns or damages could be reviewed in person.

When we arrived for the walkthrough, the receptionist informed us that management was unavailable due to a meeting and instructed us to return our keys without completing the inspection. As a result, we were denied the opportunity to address or dispute any potential charges before move-out. 
On XX/XX/XXXX, we received a collection notice from Consumer Collection Management demanding {$2300.00} for alleged apartment damages. The notice did not include any description of the damages. During a phone call with XXXX XXXX at Consumer Collection Management, we were informed that XXXX had mailed two prior notices to our old address at XXXX ( XXXX XXXX ), and both were returned due to the lack of a forwarding XXXX our having provided our forwarding address in writing on two separate occasions. Notably, the collection agencys own letter was successfully forwarded to our current address, confirming that mail forwarding was in place. 
We requested an itemized statement, photographs, invoices, and any documentation supporting the alleged charges. XXXX XXXX informed us that the collection agency did not possess this information. Since then, we have sent multiple Certified Mail requests ( all confirmed as delivered ), but we have received no documentation in returnonly a second bill. 
Furthermore, this collection account was reported to the credit bureaus on XX/XX/XXXX, two days before we received the agencys first notice and before having any opportunity to review or dispute the alleged debt. As tenants, we have the right to receive timely notice of charges, an itemized list of damages, and evidence supporting repair costs. The failure to provide this information, combined with the premature credit reporting, makes this collection action unjust and potentially in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
We have also submitted complaints to the Illinois Attorney Generals Office and the XXXX XXXX XXXX but we have not received any response from either party or from the company involved. 
Given the lack of documentation, the improper handling of notifications, and the inaccurate or premature credit reporting, we are requesting the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring that the alleged debt is validated properly or removed from our credit reports if it can not be substantiated. 
Thank you for your time and attention.

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