Consumer Collection Management: What to Do If They Contact You

Consumer Collection Management, Inc. (CCM) is a St. Louis, Missouri collection agency founded in 1979 with a BBB Pattern of Complaint Alert for harassing calls, rude and vulgar language, and collecting debts consumers did not owe. A documented federal FDCPA case (C.D. Illinois, Case 2:15-cv-02248-CSB-EIL) was filed against the agency and later settled.

This guide covers who CCM collects for, the documented case, specific complaint patterns, Missouri state protections, and how to handle the account.

Who Is Consumer Collection Management, Inc.?

Consumer Collection Management, Inc. is a third-party debt collection agency founded in 1979 in St. Louis, Missouri. The company employs approximately 35 people. CCM is not BBB-accredited and holds a D- BBB rating. The BBB has posted a Pattern of Complaint Alert on CCM’s profile. The agency has logged hundreds of CFPB complaints and 11 civil litigation cases.

CCM is a confirmed partner of the St. Louis Apartment Association with direct integrations into Yardi and RealPage property management platforms.

Who Does CCM Collect For?

CCM focuses on three primary sectors. Confirmed clients from BBB complaint documentation include:

• Medical and healthcare providers: Multiple BBB complaints document CCM collecting on hospital and healthcare balances. CCM holds memberships in the Healthcare Financial Management Association and the Medical Group Management Association.
• Apartment communities: CCM is a confirmed St. Louis Apartment Association partner. A documented BBB complaint describes CCM collecting a disputed balance from Timberline Apartments on behalf of a consumer who was never a tenant there.
• Commercial businesses: CCM’s published service descriptions include commercial and business-to-business account collection.

Documented FDCPA Case

Case 2:15-cv-02248-CSB-EIL (C.D. Illinois, Urbana Division, 2015) is the primary documented federal case against CCM. The matter was later settled. The filing establishes that federal FDCPA claims against CCM have proceeded to court and been resolved through settlement.

BBB Pattern of Complaint Alert

The BBB has posted a formal Pattern of Complaint Alert on CCM’s profile, a designation requiring a sustained volume of similar complaints. The alert specifically documents harassing phone calls using rude and vulgar language, collecting debts consumers did not owe, and improperly billing consumers.

Common CCM Complaint Patterns

• Promising not to report, then reporting: A documented BBB complaint describes a consumer who post-dated a check for an $81 medical balance and specifically asked whether CCM would report it to credit bureaus. The representative confirmed it would not be reported. CCM reported the account anyway.
• Reporting inconsistent data across bureaus: A documented 2025 BBB complaint describes CCM reporting different account open dates, last activity dates, and account descriptions to Equifax, Experian, and TransUnion for the same single account.
• Collecting on apartment debts consumers dispute as fraudulent: The Timberline Apartments complaint documents CCM placing a collection entry for a lease the consumer never signed.
• Calling outside legal hours: Multiple BBB reviews describe calls before 8 a.m. and after 9 p.m., both FDCPA violations.
• Refusing to provide accessible documentation: Consumer accounts describe CCM sending validation through channels the consumer cannot access, then claiming documentation was provided.

What CCM Cannot Do Under Federal Law

• Make representations about credit reporting and then act contrary: Promising not to report an account and then reporting it is a potential FDCPA Section 1692e violation.
• Report inconsistent data across bureaus for the same account: The FCRA requires accurate and complete reporting. Different open dates and descriptions for the same account across bureaus violates this standard.
• Call before 8 a.m. or after 9 p.m. local time: Each prohibited call is a separate FDCPA violation. The BBB Pattern of Complaint Alert documents this as recurring CCM conduct.
• Use rude, vulgar, or abusive language: The BBB alert specifically names this conduct. Abusive language during collection calls violates Section 1692d.
• Continue collection after a written validation request: All activity must pause until CCM produces documentation.

Missouri Merchandising Practices Act

Missouri residents have additional state-level protections under the Missouri Merchandising Practices Act (MMPA). Unlike the federal FDCPA, the MMPA can apply more broadly and provides enforcement channels through the Missouri Attorney General’s office, allowing for actual damages, punitive damages, and attorney fees.

File complaints with the Missouri AG Consumer Protection Division in addition to the CFPB.

Verify Before Paying CCM

For medical accounts, send a certified validation letter demanding the original provider’s name, the original itemized bill with CPT codes, the insurance Explanation of Benefits, and proof that insurance was billed before the account was referred to CCM.

For apartment accounts, demand the signed lease agreement bearing your signature and a complete itemized move-out statement.

If CCM made any verbal representation about credit reporting, document that statement with date, time, and representative name before sending any payment.

How to Check Your Credit Report

Pull all three reports at AnnualCreditReport.com and look for Consumer Collection Management or CCM as the furnisher. If the account open date, last activity date, or description differs across Equifax, Experian, and TransUnion for the same CCM entry, dispute each bureau’s entry separately citing FCRA accuracy requirements.

How Long Can CCM Legally Pursue the Debt?

Missouri allows five years on most open accounts and credit cards, and ten years on written contracts. Medical accounts and apartment lease balances typically fall under the ten-year written contract window. Any payment can restart the civil statute in Missouri.

Your Options for Resolving the Account

• Document any promise not to report: If CCM told you verbally that an account would not be reported, note the date, time, and representative name immediately before making any payment.
• File a CFPB complaint for inconsistent bureau reporting: If CCM is reporting different data across bureaus for the same account, file simultaneous CFPB complaint and bureau disputes citing FCRA accuracy requirements.
• Dispute apartment accounts you never signed: If CCM is collecting on a lease you never signed, demand the original signed agreement. If CCM cannot produce it, dispute with all three bureaus and the CFPB.
• File with the Missouri AG: The MMPA gives state regulators enforcement authority with broader scope than the federal FDCPA.

How to Contact Consumer Collection Management

Handle all communication in writing. Send disputes by certified mail with return receipt requested:

• Address: Consumer Collection Management, Inc., 2333 Grissom Dr., Suite 100, St. Louis, MO 63146
• Mailing address: Consumer Collection Management, Inc., PO Box 1839, Maryland Heights, MO 63043
• Phone: (314) 432-2430 or (800) 325-6611

Bottom Line

Consumer Collection Management has a BBB Pattern of Complaint Alert for harassing calls and collecting debts consumers did not owe, a settled federal FDCPA case, and a documented pattern of promising not to report accounts to credit bureaus and then reporting them anyway.

If CCM made any verbal representation about credit reporting before you made a payment, document that immediately. The complaint history shows this specific broken promise recurs.

If a CCM account is on your credit file, the right move depends on the original creditor, whether the data reported across all three bureaus is consistent, and whether CCM can produce the original signed agreement for apartment accounts.