Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4366617
Complaint Overview
Complaint ID: 4366617
Company: The Cmi Group, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Texas
ZIP Code: 77586
Date Received: 2021-05-10T12:00:00-05:00
Date Sent to Company: 2021-05-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On today XX/XX/2021 I contacted the offices of Credit Management , LP to speak with a representative regarding a collection account listed on my credit report. While speaking to the agent and asking questions regarding the account she continually became upset. I asked several times was there someone that I could contact via email she then intentionally disconnected the call in the midst of me speaking. Before hanging the phone up in the middle of the discussion I tried asking for her name and or representative credentials, she declined. She repeatedly asked me to verify an account that Ive notified Credit Management and the original creditor XXXX XXXX was a fraudulent account. I also spoke with a fraud department representative of XXXX XXXX who asked for a police report that I could not provide because I no longer reside in XXXX and the police department here in XXXX notified me that the account is too old and the police report should be filed in XXXX the original state where the fraudulent account was opened. Ive asked Credit Management on numerous occasions for validation of this said debt whether it be my signature on any original documents or my drivers license along with any documentation proving that I did intact open this account with XXXX XXXX. None of this could be provided to me. This would be my fourth attempt at handling this derogatory account with both the original creditor and the collection agency. Ive filed a previous complaint with the CFPB which in response Ive noticed an update on XX/XX/2021 where the account is now being listed as closed with a balance on my credit file, not removed. However, although they ( Credit Management has closed the account according to my credit report I received a letter today dated XX/XX/2021 from Credit Management regarding payment on this now closed account. Ive spoken with several different representatives of Credit management and Ive also reached out to XXXX XXXX on XX/XX/2021 to resolve this matter. To which each attempt has been unsuccessful. Although this debt is not mine and nor can any documents be provided for validity of this information Ive offered to settle the account with the hopes of having the account permanently removed from my credit report for inaccurate and not factual statements, this was also denied.
Frequently Asked Questions
What is Complaint #4366617 about?
Complaint #4366617 was filed against The Cmi Group, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-10T12:00:00-05:00.
How did The Cmi Group, INC. 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 (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against The Cmi Group, INC.?
Yes, visit the The Cmi Group, INC. company profile at readthecomplaint.com/company/the-cmi-group-inc 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.