Debt collection -- Written notification about debt -- Complaint #8462701
Complaint Overview
Complaint ID: 8462701
Company: The Cmi Group, INC.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Indiana
ZIP Code: 46239
Date Received: 2024-03-02T12:00:00-05:00
Date Sent to Company: 2024-03-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX Complaint Against Collection Agency Violating Consumer Rights , Dispute of Debt and Revocation of Communication Rights To whom it may concern : I am writing to file a formal complaint against [ CREDIT MANAGEMENT LP ] for multiple violations of my consumer rights under the regulations administered by the Consumer Financial Protection Bureau ( CFPB ) . I am disputing any and all alleged debts claimed by [ CREDIT MANAGEMENT LP ] I hereby revoke all rights for [ CREDIT MANAGEMENT LP ] to communicate with me via email, text, or calls in any form or manner. It has come to my attention that the collection agency has egregiously violated the following laws, thus necessitating immediate intervention and enforcement by your esteemed bureau : Furthermore, I request debt validation in accordance with my rights as a consumer. Please provide documentation substantiating the existence, validity, and ownership of the alleged debt, including but not limited to the original creditor 's purchase agreement with [ CREDIT MANAGEMENT LP ] Additionally, I require proof of [ CREDIT MANAGEMENT LP ] licensure and bonding, as required by law, to ensure their legal authority to engage in debt collection activities. 1. **Violation of 12 CFR 1006.34 ( b ) ( 5 ) : ** Despite the requirement under this regulation to provide validation information [ CREDIT MANAGEMENT LP ] has failed to do so. Yet, they have proceeded to place a collection on my consumer report, thereby directly contravening my rights and causing undue harm to my financial reputation. 2. **Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ) : ** I have been denied the opportunity to dispute the account in question, as mandated by this regulation. The collection agency 's failure to afford me this basic right of due process is deeply concerning and undermines the integrity of the consumer financial protection framework. 3. **Violation of Consumer Rights through Misleading Practices : ** It has become apparent that [ CREDIT MANAGEMENT LP ] has engaged in false, misleading, and deceptive means in their collection practices. Such unethical behavior not only violates consumer rights but also creates an environment of distrust and exploitation within the financial system. 4. **Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : ** The collection agency lacks the authority to furnish any account to consumer reporting agencies without providing the requisite disclosures mandated by law. By failing to adhere to these legal requirements, [ CREDIT MANAGEMENT LP ] is flagrantly disregarding consumer protections and must be held accountable for their actions. It is imperative that the Consumer Financial Protection Bureau thoroughly investigates these violations and takes decisive action to ensure compliance with consumer protection laws. I implore the bureau to intervene on my behalf, provide assistance in rectifying the damage caused by the collection agency 's actions, and uphold the rights and dignity of consumers. I expect a prompt and comprehensive response to my dispute and requests outlined above. I appreciate your attention to this matter and look forward to a swift and thorough resolution. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #8462701 about?
Complaint #8462701 was filed against The Cmi Group, INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2024-03-02T12:00:00-05:00.
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 (Debt collection) 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.