The CMI Group Other debt complaint on 03/09/2019

Issue

To Whom It May Concern, The reason for my dispute is CREDIT MANAGEMENT LP # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT MANAGEMENT LP failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item is on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) CREDIT MANAGEMENT LP failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. CREDIT MANAGEMENT LP is held liable as well for defamation and in the state of OHIO a creditor is who collects they are on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where CREDIT MANAGEMENT LP is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. CREDIT MANAGEMENT LP. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Received: 03/09/2019

Debt collection: Other debt

Debt Verification: Not enough info provided to verify debt

The CMI Group Response

This issue was responded to within 15 days by The CMI Group

Debt Pro Tips

Will paying a collection agency improve my credit score?

If a consumer has multiple accounts in collection, the credit score improvement from paying off a single account may not be much. If you can get all of your collection accounts to report paid with a zero outstanding balance, then you can begin rebuilding your credit.

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What's in my credit report?

Credit reports contain identifying information, trade lines, credit inquiries and public record and collections information. Your credit report will often have discrepancies between Equifax, Experian and Transunion, and you have the right to correct any innacurate or incomplete information.

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What are the major Credit Reporting Agencies?

The three major credit reporting agencies, or credit bureaus, are Experian, Equifax and Transunion. Each agency will have various scoring models for a consumer, the most common of which is the FICO score.

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The FDCPA outlines consumer rights as debtors

The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to protect consumers from 3rd party debt collectors by limiting debt collector behavior and providing penalties for violations.

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The FCRA (Fair Credit Reporting Act) regulates credit reporting agencies and consumer reporting agencies

The FCRA requires that information be reported accurately. Common FCRA violation examples are reporting old debts as new or re-aged and failing to report a debt was discharged in bankruptcy. The consumer has the right to dispute and credit reporting agencies must correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of dispute.

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You have 30 days from initial contact to request verification of the debt

The FDCPA gives consumers(debtors) the have the right to request verification of a debt(Also commonly called debt validation). The request must be within 30 days of receiving the debt validation notice from the collector. Once the letter has been received, the collector must stop attempts to collect until it responds to your validation request. To prevent the collector from disputing your request was sent, send it via certified mail with return receipt requested.

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Debt collection / Other debt

I checked my credit report and there was a debt

The CMI Group, Inc. Consolidated Recovery Group Debt Verification

03/11/2019

Right to dispute debt notice not received

I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.

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Debt collection / Other debt

This is an attempt to collect repeated overdraft

The CMI Group, Inc. Strategic Alliances Attempts to collect debt not owed

03/11/2019

Debt is not mine

This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.

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Debt collection / Other debt

The XXXX XXXX XXXX debt of {$470.00} is invalid.

The CMI Group, Inc. Sequium Asset Solutions Took or threatened negative or legal action

03/10/2019

Threatened or suggested your credit would be damaged

The XXXX XXXX XXXX debt of {$470.00} is invalid. It should not be collected on my credit reports from the 3 credit reporting agencies ( XXXX XXXX XXXX ) which destroy my credit. Contrary to its promise, XXXX XXXX XXXX devices ( for which I already paid $ 1000+ for them ) did not work with XXXX. I asked XXXX XXXX XXXX ( XXXX ) to help solve the issue, but XXXX XXXX XXXX did not cooperate. XXXX XXXX XXXX provided wrong instruction for unlocking its devices. After I paid off the balance of my phones on XX/XX/2018, XXXX XXXX XXXX told me that the devices would be unlocked and then work for other carriers. I waited a few days and received an email of unlock instruction ( first email of unlock instruction, attached below ). I followed the instruction but without success. The instruction says max 5 tries are allowed before a phone becomes permanently locked to XXXX XXXX XXXX. I suffered a lot. I called XXXX XXXX XXXX customer care. I waited another few days and received another email of unlock instruction instruction ( second email of unlock instruction, attached below ) .which is completely different from the first unlock instruction. I followed it and seems like it was successful. However, when using the phones with XXXX, I never had mobile data connection. I had unlocked other XXXX XXXX XXXX phones in the past and they work well with other carriers -- but only one unlock instruction was received. Therefore, I believe that problems happened somewhere inside XXXX XXXX XXXX which caused my phones does not work with other carriers even if I paid them off. It is illegal for XXXX XXXX XXXX to sell defunct product. Either XXXX XXXX XXXX refunds the money I paid for the devices, or replaces them with functioning devices. -- -- -- -- -- -- -- -- -- first email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Order Status XXXX Sent : Thursday, XX/XX/2018 XXXX XXXX To : XXXX Subject : We approved your unlock request Use these instructions to unlock your device. Device IMEI number : XXXX Request number : XXXX Hi XXXX, Your unlock code : XXXX Unlock instructions : 1. Power off the device and remove the SIM card. 2. Power on the device. 3. Enter # XXXX, the unlock code, and #. The device cycles off and back on. Note : You are allowed five attempts to unlock before your device permanently locks to the XXXX XXXX XXXX network. Note : If your device has been altered from the original manufacturer? s standards, such as rooting the device, your unlock code may not work and you will need to contact the original manufacturer for assistance. -- -- -- -- -- -- -- -- -- second email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX Subject : Subsidy Device Unlock Request Thank you for contacting XXXX XXXX XXXX Customer Care about unlocking your XXXX XXXX XXXX XXXX device : CASE : XXXX IMEI : XXXX UNLOCK CODE : XXXX We have reviewed your request and confirmed that the device may be unlocked. Please allow 24 hours upon receipt of this notification to complete the unlock process. To unlock your device, simply : Five unsuccessful unlock attempts permanently locks the device to the XXXX XXXX XXXX network. 1 ) Power off the device, remove the battery, and insert a non-XXXX XXXX XXXX SIM card. 2 ) Re-insert the battery and power on the device with non-XXXX XXXX XXXX SIM. 3 ) The device displays Enter the device unlock code. 4 ) Enter the unlock code. 5 ) Press OK.

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