If Consumer Collection Management shows up on your credit report, it means a debt has been turned over to collections. Here’s what that means—and how to work toward removing them from your credit history.
Who Is Consumer Collection Management?
Consumer Collection Management, Inc. (CCM) is a debt collection agency located in St. Louis, Missouri. They work with businesses to recover unpaid debts from individuals and companies.
If you see CCM on your credit report, they are attempting to collect money tied to your name that hasn’t been paid.
Who Does Consumer Collection Management Collect For?
CCM works with clients in several industries, focusing primarily on:
- Healthcare providers – Collecting unpaid medical bills from hospitals, clinics, or private practices
- Apartment communities – Recovering debts from unpaid rent, broken leases, or damage charges
- Commercial businesses – Collecting unpaid invoices or business-to-business debts
If you owe money in any of these areas, your account may have been turned over to Consumer Collection Management.
Is Consumer Collection Management Legitimate?
Yes, Consumer Collection Management is a real debt collection agency. But even legitimate companies can:
- Report inaccurate information to the credit bureaus
- Attempt to collect debts that don’t belong to you
- Make errors when contacting consumers
Always verify any debt before agreeing to make payments.
How to Remove Consumer Collection Management From Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but they may be removed sooner with the right approach:
- Dispute errors – If the account information is incorrect, file a dispute with the credit bureaus
- Request debt validation – You have the right to ask for written proof the debt belongs to you and the amount is accurate
- Negotiate a pay-for-delete – Some collectors may agree to remove the account if you pay. Always get the agreement in writing first
- Work with a credit repair company – Professionals can help challenge negative items and improve your credit report
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Consumer Collection Management?
Before making payments, confirm the debt is valid and accurately reported. Credit reports can contain errors, and paying a debt without verifying the details can sometimes restart collection efforts, depending on your state.
Many people prefer to work with experienced credit repair professionals to avoid missteps when dealing with Consumer Collection Management.
Can Consumer Collection Management Sue You or Garnish Your Wages?
Yes, CCM has the legal authority to sue for unpaid debts. If they win in court, they could:
- Garnish your wages
- Place a lien on your property
- Levy your bank account
That said, most collection agencies prefer to settle debts through payment plans or negotiations rather than take legal action, which can be costly and time-consuming.
Complaints About Consumer Collection Management
Like many collection agencies, CCM has complaints filed with the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB). Common issues include:
- Inaccurate credit reporting
- Harassment or repeated calls
- Failure to verify debts
If you experience these problems, you can file a complaint with the CFPB or BBB.
Your Rights When Dealing With Consumer Collection Management
Debt collectors must follow the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA), which protect consumers from unfair treatment.
Your rights include:
- Disputing incorrect or incomplete information
- Requesting written proof the debt belongs to you
- Protection from harassment, threats, or abusive language
- Clear identification that they are a debt collection agency
- Protection from false claims of legal action they cannot take
Knowing your rights helps you handle collections with more confidence.
Consumer Collection Management Contact Information
Address:
Consumer Collection Management, Inc.
2333 Grissom Dr, Suite 100
St. Louis, MO 63146
Mailing Address:
PO Box 1839
Maryland Heights, MO 63043
Phone:
(314) 432-2430
(800) 325-6611
Ready to Get Negative Accounts Removed?
A collection account can hurt your credit score, but there are steps you can take to improve your credit.
Credit Saint has helped thousands of people challenge inaccurate negative items, including collections from agencies like Consumer Collection Management. Their experienced team can review your credit, dispute harmful accounts, and help you work toward better credit health.
They even offer a 90-day money-back guarantee to give you peace of mind.
If you want professional help cleaning up your credit report, call (855) 281-1510 or visit their website today for a free consultation.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
