CMI- Carrolton TX

Did you actually get the itemized bills in the mail? If not, I would send them a letter stating that the alleged debt is still disputed, as they provided you with inaccurate information.

fyi I am such a big fan of yours anonymously until I decided to join a few days ago( to actually speak my mind even if wrong)...you work for a collection agency and have offered so much help on this sight but now posted "What would be my next step?" shouldn't you know that more than us? or has your identity here been compromised?

Lawstudent, I didn't get the itemized statements. I am going to get them a new letter monday giving them a fax # they can send the information to as well. Would they still be within the 30 day window from when they recieved the vlidation notice?

socksfullofrocks, I don't work with disputed debt, in fact when we recieve a dispute letter we immediatly temporary cancle the account when we recieve such a letter until the client sends documentation to the debtor as well as copies to us so that way we would be able to go over the same information together. Most disputes I deal with are late fee's and interest or more directly related to id theft.

I do have debt and I am almost done with clearing it up. I don't get your identity question though unless you are asking me if I am saying I am not who I am. If that is so then I am afraid you are wrong. I am a debt collector and to be totaly honest I do love my job, maybe not the stess but almost everything else is great. I like to think I take the approach of helping others and not hurting. I don't break the law and as yet I have 0 complaints on my record.

FYI I would send them a letter stating that their validation is very misleading and that they should send complete validation listing the status of account and a full account history.

I was talking about id theft from what you stated about not living in austin during that time period..and asked if your identity has been compromised.. not at all questioning if you are who you say you are..sorry if you took it the wrong way..and good luck to you!

I apologize for misunderstanding you. My fault it was 5am and that is the only excuse I can provide for the misunderstanding on my part.

No I don't think it is id theft. I've checked my credit reports throughly and I can pin point just about everything except a couple of things. If this had been anything but a utility service I would be concearned.

Cajun is right on this one as well. Send them the new letter, and also state that the debt has not been validated, they didn't send you the itemized statements they mentioned. Do you mean your 30 day period to demand validation? If you are in Texas, that 30 day period doesn't matter, you can dispute at anytime. I don't know, but it would seem to me that the 30 day window in which they are required to answer would still be running. Within that time frame they must validate, say they were wrong, or at least say "we haven't had time". They sent you what appears to be rubbish, and not proper validation.

I am going to send the letter off Monday and provide them fax information as well in order for this to reach me properly. It wouldn't suprise me one bit if they sent the information to one of my old address's and then corrected it for their second letters. Nothing in the mail for them today either.

I'm going to once again mention the date they recieved the first letters I sent them to remind them that the clock is ticking.

I will forever maintain that people should pay for things they took. It's the way I was raised. It might take a person a long time to get something taken care of. The leading causes of debt is illness, death and loss of employment. It does take time for people who aren't prepared for such things to recover. When the recovery is made I do believe that debts that were created should be honored.

this was one of your posts that I copied above.... and am sorry I copied this but please if you owe it work out an agreement ..if you don't fight it as most are here doing..take care and Happy Holidays...

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Joined: 19 May 2006

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PostPosted: 26 Oct 2006 22:42

To pay your bills. If you have an avenue to pay your debt and get it taken care of then it should be used. Yes, you will have to pay taxes and a penalty but is being in debt better than being out of it if that's your only avenue? ..also there was this one of your statements from many others..I think you are here because you are one of us in debt and fighting it..not collecting it..and that is why we all feel your compassion..your knowledge in the collection field is also tremendous..but paying your debt,,you are in the same boat as many others here

I've been working myself out of my own debt for the past 2 years and I'm almost done, I have about 700 dollars left to go. I've even paid off things that were about to fallen off or are completely off of my credit report. I have no problems honoring my debt. I've paid off one account already with CMI last year when they provided me info on one of the accounts I knew was mine.

If they give me what I need I should have this taken care of next month. I think one of them may be mine, I just really need a service address but the other.. I am not so sure since I haven't lived in that city for almost 10 years now. It seems fishy to me to have a disconnect date in 2006 when I know I didn't live anywhere near there.

I had an insured with a separate issue (since they were kicking in deductible fees, I ventured into that world for a few minutes). Utility companies have a habit of hiring collections agencies that mis-state the disconnect dates as the dates that the accounts were opened with the agency. Just get your validation, pay it, then dispute it with the big 3; the entry will get involuntarily deleted at they had an initial mis-statement of facts surrounding the account. That was the best letter I wrote in my life, they scared off quicker and chose to voluntarily delete the entry as opposed to dealing with a nice FDCRA violation.

I do have a relative who does live in that area and while I don't think they would have used my information I would like to see the real disconnect date. I should be able to take care of the rest of my remaining debt by Febuary of this year and I am very excited about that.

Well I've not received any information back from CMI so I decided to pull my credit report to see what is on there from them now.

They have reported an update as of 12/07/2007 on both accounts. While I am leaning towards one of them being mine (while not living in that particular city I found that they will report that location even if in the surrounding area, surrounding being 60 miles away), but the one in Austin I know can not be mine. I haven't lived there in 8 years. They also reported customer disagrees with the resolve information. Damn straight I do because nothing has been resolved. They still haven't sent me the information I've requested from them.

Next would be to report them to the AG and FTC right? Possibly speak to an attorney?

FYI,when you sent your dv letter did you mention the Texas Finance Code? If you did it limits them to thirty days to put up or shut up.

I did put it in there but I think they feel that they have validated it when they sent me the disconnect date on 2 accounts. One of them was for Austin with a discon date of 2006, I haven't lived in Austin since 1999.

If this account is truely not yours it is time to nail them to the wall with Facta. Fill out a police report and id theft affidavit and forward it to collector and credit bureaus with demand for removal of fraudulent account.

For the account that they may have validated,work out a settlement if you are comfortable with this level of validation. One thing I forgot to ask is do they have a current bond on file with the state of texas as required?

The only thing they sent me was the disconnect dates, that was it. Well they did say that statements were mailed out seperately and I never received them.

Then they have not validated. It is time for a second dv letter and I would cc the Texas Attorney general and The Ftc on this one. Before cc them go ahead online and fill out a well documented complaint. From their bond search you should be able to find contact info on their insurance company.I would also cc them too. After the online complaints are submitted,send the letter to collector along with copies going to the Texas Attorney General & The Federal Trade Commission.If your online complaints generate any specific reference numbers include in letters. Send a copy of everything to their bond underwriter putting them on notice for failure to validate per Texas Finance Code. Lastly remember to send everything certified return receipt mail.

Thanks Cajun you are a doll. I will be doing this durring my lunch break today and send the letters out on Friday.

Sweet! Awesome! gitterdone!!! and goodluck!!!

So I went ahead and called Time Warner in Austin and they told me that no letters were sent out in December of 2007 and that the disc date was 6/2/2000. The information she gave me was extremely helpful and I did explain the difficulties I was having with their collection agency.

Since I do owe this bill and the TWC rep gave me what information I needed I have decided to send the collection agency a pay to delete letter based on the fact that they gave me completely inaccurate information and the whole matter could have been resolved a while ago if they had just been upfront and honest with me.

I had the rep send me a new letter with the correct disc date and I will be mailing a copy of that, and the letter CMI recently sent me and a money order here on the 21st of this month.

Hopefully this saga will be closed soon!

Way to stick with it!

I just got off of the phone with the Comcast in our area and they also gave me different information that what the collection agency has claimed and that no mail was sent out from them since June 2005. This will also be another pay to delete letter I will be sending them in Jan/Feb to get this resolved entirely so that I don't have to deal with these jokers anymore.

Good luck to you friend.

Well I now have 2 letters from CMI and again they did not give me the information I asked for and still have not yet properly validated this debts. They are also still giving inconsistant information from what the creditor has provided me. By Tuesday I should have payment and my demand letters sent to them and this will all be over!

If the statement if fabricated, I beleive the next step would be to report the activity to the local police department stating that the account has been established in error or by identy and complete the proper affidavit, then submit it with the report number to CMI - they are supposed to remove the disputed item especailly when proper documentation of the dispute

dont no what your talken about, what this bill for, i am disabled, so dont have money,

Ruth...we are not CMI you need to contact them directly