Debt collection -- Written notification about debt -- Complaint #17938758
Complaint Overview
Complaint ID: 17938758
Company: Collection Management Holdings, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Texas
ZIP Code: 77072
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Credit Management Company placed an account on my credit file even though I never formed any type of agreement with them. I did not sign anything that gives this company permission to receive, handle, or report my personal information. I never spoke with this company before they appeared on my report and I never selected them to manage anything involving me. I am not requesting a balance or an explanation of charges. I am requesting proof that this company holds a direct contract with my signature. Under 15 U S C 1681e subsection b, all information furnished to a credit bureau must come from verified and accurate procedures. Reporting from a company that has no signed agreement with me is not accurate. Under 15 U S C 1681b, any company that accesses or uses my personal information must have a lawful purpose supported by consumer permission. Credit Management Company has not shown that I granted any type of permission. Under 15 U S C 1692g, a collector must demonstrate that it has a legitimate right to act on a consumer account. They have not provided anything establishing that I granted them authority to represent me or to report a nything linked to my identity. Under 15 U S C 1681i, once a consumer challenges an item, the company must supply supporting documentation. Nothing has been presented that contains my signature or proves I authorized this company. My past financial struggles, including medical concerns and housing issues, do not equal a contract with this collector. This company continues to recycle general statements that avoid the real question. I am requesting evidence that I personally allowed this company to take possession of my information. They have not provided anything that confirms my approval. I did not choose Credit Management Company. I did not sign anything with them. I did not authorize them to access or report my information. They have shown no proof of permission and yet they added this to my credit file. This has caused harm to my financial stability and my ability to recover.
Frequently Asked Questions
What is Complaint #17938758 about?
Complaint #17938758 was filed against Collection Management Holdings, LLC regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-30T12:00:00-05:00.
How did Collection Management Holdings, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Collection Management Holdings, LLC?
Yes, visit the Collection Management Holdings, LLC company profile at readthecomplaint.com/company/collection-management-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.