Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #9983625
Complaint Overview
Complaint ID: 9983625
Company: The Cmi Group, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77004
Date Received: 2024-08-30T12:00:00-05:00
Date Sent to Company: 2024-08-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern at the CFPB, I am filing a complaint against XXXX and Credit Management LP regarding the inaccurate reporting of a collection account on my credit report and the failure to validate the debt. Complaint Details : Account Information : Collection Agency : Credit Management LP Amount : {$570.00} Original Creditor : XXXX XXXX Background : XX/XX/year> : I mailed an initial dispute letter to XXXX regarding the collection account reported by Credit Management LP. XX/XX/year> : I sent a follow-up dispute letter via certified mail to XXXX, reiterating my request for verification and investigation of the account. To date, XXXX has not responded to either letter. Violations and Relevant Laws : A. XXXX : Failure to Investigate Dispute ( 15 U.S.C. 1681i ) : XXXX has not responded to my dispute within the required 30-day period, failing to conduct a reasonable reinvestigation of the disputed account. Inaccuracy of Reporting ( 15 U.S.C. 1681e ( b ) ) : XXXX has not ensured the maximum possible accuracy of the information on my credit report. Their failure to address the dispute suggests a lack of adherence to the accuracy requirements. B. Credit Management LP : Failure to Validate Debt ( 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ) : Credit Management LP has not provided validation or verification of the debt, including proof of ownership and authority to collect it. This constitutes a violation of their obligation under the FDCPA. False or Misleading Representations ( 15 U.S.C. 1692e of the FDCPA ) : Credit Management LP 's inaccurate reporting, particularly the false claim of being the original creditor, violates this statute. I have never had a contract with them. Requested Actions : If these issues are not resolved within 30 days from the receipt of my certified letter ( by XX/XX/year> ), I will consider pursuing legal action for violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have also filed a complaint with the Federal Trade Commission ( FTC ).
Frequently Asked Questions
What is Complaint #9983625 about?
Complaint #9983625 was filed against The Cmi Group, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-08-30T12:00:00-05:00.
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 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.