Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6736529
Complaint Overview
Complaint ID: 6736529
Company: The Cmi Group, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Difficulty submitting a dispute or getting information about a dispute over the phone
State: Texas
ZIP Code: XXXXX
Date Received: 2023-03-22T12:00:00-05:00
Date Sent to Company: 2023-03-22T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX, I received an email from a credit monitoring service indicating that a new account was added to my XXXX account. Upon further investigation, the account that was being reported was a new collection account. I contacted the XXXX XXXX XXXX ( XXXX XXXX ) and was informed that XXXX was reporting to Credit Management LLC a collection for XXXX XXXX and that I needed to contact XXXX for details. I contacted Credit Management and spoke with XXXX XXXX who informed me that this company was handling the collection and that she could take a payment. I explained to XXXX XXXX that services were never provided by XXXX and that the charges they were reporting were inaccurate. I requested that Credit Management LLC and XXXX XXXX send me what documents they used to validate the debt from XXXX and she informed me that she didn't have such documentation and that I needed to contact the original creditor for that information. Upon contacting XXXX the same day by chat, I spoke with agent XXXX, who informed me that the information that I was told was reflected on my credit report was not visible to her and that I needed to wait 2 weeks - 30 days for it to show on my credit file and then dispute it. I requested that she dispute the account and send me all signed documents showing that the " alleged '' debt was mine. XXXX informed me that she could not dispute the account since it wasn't visible to her and that she didn't have the documents that I requested and to contact XXXX directly for dispute. On XX/XX/XXXX, I contacted XXXX and spoke with agent XXXX who informed me that she didn't see the account that was being reported and that XXXX does not provide proof that debts are valid, and that I would need to go to the original creditor to request this information. XXXX transferred me to the Fraud Department within XXXX where I spoke with Supervisor XXXX and requested that he dispute the item and send me a copy of the original contract, with my signature establishing services, and was informed that they didn't have that documentation. I informed him that according to the FCRA Section 609, I am allowed " proof '' that this debt was validated and all contracts/documents used to validate this account. XXXX indicated that he would file a dispute ( Dispute ID XXXX ) but could not send proof that the debt was mine and validated as being mine. I contacted the original credit XXXX XXXX and spoke with XXXX who transferred me to XXXX. XXXX informed me that she saw the account but couldn't send me any documentation showing proof that the account in the collection was actually my debt. I requested that this documentation be sent as it was my right under the law FCRA Section 609, she informed me to contact an attorney.
Frequently Asked Questions
What is Complaint #6736529 about?
Complaint #6736529 was filed against The Cmi Group, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2023-03-22T12:00:00-05:00.
How did The Cmi Group, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.