This is a complaint against : Credit Management , LP Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX https : //www.creditmanagementonline.com/contact On XXXX XXXX, I received the attached statement ( alleged debt letter XXXX and XXXX ), dated XXXX/XXXX/15. It is the first and only contact from them. It was for a XXXX debt owed by a person with a similar but different name, and I have never had a XXXX account. This is not my debt. I have already contacted them about this but do not yet have a reply. 

Further, prior to them contacting me about her debt, they made derogatory reports about me to all XXXX credit bureaus ( attached ). That is malicious, libelous, and a defamation of my character. I demand that they contact the agencies at once and have all negative remarks and accusations removed. 

Further, according to the Fair Debt Collection Practices Act, XXXX XXXX, Validation of debts [ XXXX XXXX XXXX ] : ( a ) Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ... 

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


They failed to perform the quoted sections ( failed to make these statements ) and are thus in violation of the Fair Debt Collection Practices Act. A full copy of the first and only contact is attached ( alleged debt letter XXXX and XXXX ) and shows that these were omitted. 

Due to the fact that they are in XXXX and I am in XXXX, I wonder how many other people in the country with a name similar to XXXX XXXX received similar letters. They went rather wide by mailing XXXX to a person XXXX. 

They need to correct this at once. 
