Superlative RM on Your Credit Report: Your Options Explained

Superlative RM, also known as Comstock Holdings and Superlative Receivables Management, collects for auto lenders, banks, credit card companies, fintech lenders, and healthcare providers. They also purchase debt outright and operate from headquarters in Elk Grove, California with a secondary office in Phoenix, Arizona.

Three documented complaint patterns stand out: calling consumers at work and attempting to extract Social Security number digits in front of coworkers, calling a family member four times a day after being told the consumer had no contact with them, and using local area codes to disguise their California origin.

This guide covers who SRM is, their documented conduct, and how to respond.

Who Is Superlative RM?

Superlative RM (SRM) is a third-party debt collection agency and debt buyer founded in 2008 in Elk Grove, California. The company also operates under the names Comstock Holdings and Superlative Bis and maintains a secondary payment website at resolvemyaccount.com.

SRM has 53 BBB complaints and 28 CFPB complaints and is not BBB-accredited. They are certified by the Receivables Management Association International and are a member of ACA International. California consumers have additional protections under the Rosenthal Fair Debt Collection Practices Act that apply to SRM alongside the federal FDCPA.

Workplace Calls and SSN Requests in Front of Coworkers

A documented BBB complaint describes SRM calling a consumer at their workplace where a coworker answered. SRM then attempted to verify the consumer’s identity by asking for the last four digits of their Social Security number with the coworker present.

Requesting partial SSN information in a setting where a third party can overhear creates serious identity security concerns and may violate FDCPA Section 1692c(a)(3). SRM’s own BBB response confirmed they attempted SSN verification and stated they block further workplace calls once a consumer says personal calls are not permitted.

If SRM has called your workplace and requested identifying information in a shared environment, document the date, what was said, and who was present.

Four Calls Per Day to a Family Member

A documented BBB complaint describes SRM calling a consumer’s brother four times per day after the consumer told SRM they had no contact with their brother.

Under FDCPA Section 1692b, a collector may contact a third party only once to obtain location information and cannot call again unless they reasonably believe the earlier response was erroneous.

Four daily calls to a family member after being told the consumer has no contact with them far exceeds what the FDCPA permits. California’s Rosenthal Act, which applies to SRM as a California-based collector, provides additional third-party contact protections beyond the federal standard.

Local Number Spoofing

A documented consumer complaint describes SRM calling from a local area code despite being located in California. Using a local area code to increase the likelihood a consumer will answer a call from a debt collector is a deceptive practice. Under FDCPA Section 1692e, a debt collector cannot use false, deceptive, or misleading representations in connection with collecting a debt.

If you receive a call from a local number that turns out to be SRM, document the number displayed, the date, and the time of the call.

The 2021 Hunstein Class Action: SRM Won

In June 2021, a class action was filed against SRM and an investment group in Cook County, Illinois, alleging SRM violated the FDCPA by sharing consumer debt information with a third-party letter vendor without the consumer’s consent.

In June 2022, the federal court ruled that using a letter vendor to send collection notices constitutes a “ministerial duty” and does not violate the FDCPA’s third-party disclosure provisions. The plaintiff also confirmed no actual damages.

SRM successfully defended this case. It is notable because it shows SRM actively litigates FDCPA claims brought against it and has retained creditors’ rights counsel.

What SRM Cannot Do Under Federal and California Law

Based on their documented complaint record:

• Request Social Security number digits in a workplace setting where third parties can overhear: The documented BBB complaint shows SRM attempting this. Partial SSN disclosure in a shared environment is a privacy risk regardless of FDCPA compliance arguments.
• Call a family member more than once after being told the consumer has no contact with them: The documented four-calls-per-day pattern far exceeds what FDCPA Section 1692b permits.
• Use a local area code to disguise their California origin: Deceptive caller ID practices violate FDCPA Section 1692e.
• Continue calling a workplace after being told personal calls are not permitted: SRM’s own policy confirms they block further workplace calls after notification. A call after that notice is a policy and FDCPA violation.
• Report inaccurate balances to credit bureaus: A general FDCPA and FCRA requirement. SRM has also stated in a complaint response that they do not always report to credit bureaus, so confirm whether SRM is actually the source of a credit report entry before disputing it as an SRM account.

Verify the Debt Before Paying Anything

Send a written validation request by certified mail within 30 days of first contact. Request the name of the original creditor, the account number, the date of charge-off, and a full itemized breakdown of the claimed balance.

Because SRM also purchases debt, request documentation confirming the chain of assignment from the original creditor to SRM if they own the debt. If SRM is collecting on behalf of the original creditor, request proof of their authorization to collect.

California has a 4-year statute of limitations on written contracts. The relevant statute is typically the state where you currently reside.

How to Check Your Credit Report for SRM Entries

Search all three credit reports for “Superlative RM,” “Superlative Receivables,” and “Comstock Holdings.” SRM has stated in at least one complaint response that they do not always report to credit bureaus, so confirm SRM is actually the furnisher of a disputed entry before attributing it to them.

If SRM is reporting the entry, confirm the original creditor, the charge-off balance, and the date of first delinquency before engaging.

Your Options for Resolving an SRM Account

• Document every workplace call and all coworker-adjacent contact immediately: The BBB complaint shows SRM requesting SSN digits in a workplace setting. Log date, time, who answered, and what was said.
• Send a written notice if SRM calls a family member more than once: One call to a third party for location information is permitted. Additional calls are not. A certified letter documenting the multiple contacts creates a legal record.
• Note the caller ID number on every SRM call: If SRM uses a local number to disguise their origin, document it for a potential FDCPA Section 1692e claim.
• Confirm SRM is actually the credit bureau furnisher before disputing: SRM has stated they do not always report to credit bureaus. Verify the tradeline source before directing a dispute to SRM specifically.

How to Contact Superlative RM

• Address: Superlative RM, 9355 E Stockton Boulevard, Suite 210, Elk Grove, CA 95624
• Phone: (888) 558-0692

Bottom Line

Superlative RM has three specific documented complaint patterns: calling consumers at work and requesting SSN digits in front of coworkers, calling a family member four times a day after being told the consumer had no contact with them, and using local area codes to disguise their California location. All three implicate FDCPA and California Rosenthal Act provisions.

Before engaging or paying, send a written validation request and confirm SRM is actually reporting to your credit bureaus. If SRM has called your workplace, a family member, or used a spoofed local number, document those contacts immediately.