Are you panicking after seeing an unfamiliar collection account on your credit report? What Champion Strategy Holdings wants you to do is react emotionally, not strategically.
Seeing Champion Strategy Holdings on your credit report is not the emergency you think it is. Did you know that once you receive that first threatening letter or call from a debt collector, you probably have more power in this situation than the collector does? Their business model relies on you not knowing your rights under federal law.
Once you do, the script flips entirely in your favor. Did you know that according to U.S. PIRG, 79 percent of credit reports contain errors or inaccuracies? Knowing this alone should shift how you approach any collection account. The issue is not whether you owe a debt. The issue is whether the collection agency can prove it with the proper paperwork.
Who is Champion Strategy Holdings?
Champion Strategy Holdings is a debt collection agency that has operated under multiple names while trying to collect from consumers over supposed debts. Before you do anything, you need to understand who is calling you.
Champion Strategy Holdings LLC CSH Mediation Group, CHS Mediation 2295 Parklake Drive NE, Suite 436, Atlanta, GA 30088 (855) 623-6065 (877) 311-2348 (833) 431-3754 championsh@protonmail.com championstrategyholdings.com December 27, 2019 (GA) Admin Dissolved – October 22, 2020
What public records reveal about this debt collector
There’s an information imbalance in the debt collection game that typically goes in favor of the debt collector. They know your name. They know your phone number. They know details about the debt they are trying to collect. You don’t know much of anything about them. That’s by design. Leveling that playing field is your first move.
Champion Strategy Holdings was dissolved by the state of Georgia in October 2020 for failure to file annual registration. Yet, it has continued to operate as a debt collector through 2025 and into 2026. This means Champion Strategy Holdings has been attempting to collect debts without the legal authority to do so.
Champion Strategy Holdings has racked up 94 complaints with the Better Business Bureau over three years and has failed to respond to every single one. That’s a 100 percent non-response rate that resulted in an F rating, the lowest rating possible. If a debt collection company systematically ignores complaints through an official channel like the BBB, that tells you a lot about how it will treat your complaint.
Champion Strategy Holdings Federal Lawsuits
What the debt collection industry does not want you to know is that its business practices often land it in federal court. Champion Strategy Holdings has been a defendant in four federal lawsuits accusing it of violating consumer protection laws. These lawsuits represent consumers who took the situation seriously enough to file a claim in federal court.
Stephenson v. Champion Strategy Holdings LLC, filed in the Western District of Michigan in August 2021, alleged FDCPA violations. The lawsuit named not only Champion Strategy Holdings as a defendant but also individuals Willie G. Ivy and Fredrick R. Holliman.
Other lawsuits against Champion Strategy Holdings have been filed in the Southern District of New York, the Central District of California, and the Northern District of Indiana.
Why this federal lawsuit history matters to you
If you dispute a collection account, credit reporting agencies will investigate by reaching out to the entity that furnished the information. A debt collection agency facing active federal lawsuits and with a history of complaints that it ignores will face a different risk calculation than one without that history.
Having a terrible rating and pattern of complaints is not just a warning to other consumers. It’s evidence of systematic problems that can be used to support dispute claims. When a company has been sued multiple times for the same types of violations, it becomes harder for that company to claim that any single complaint lacks merit.
Red flags you should not ignore
What’s wrong with Champion Strategy Holdings? A review of complaints filed against Champion Strategy Holdings with the Better Business Bureau reveals a number of concerning behaviors.
One consumer told the BBB: They claim is is a loan for $1000 and that if I wish to dispute it, they will add another $3000 onto it.
Threatening to penalize consumers for disputing a debt is a clear violation of federal law.
Other consumers have reported being contacted about debts they never incurred, usually in the form of alleged payday loans from companies they never used. When those consumers tried to verify the debt through the proper process, Champion Strategy Holdings refused to provide the requested information, according to the complaints filed with the BBB.
One consumer reported to the BBB that Champion Strategy Holdings told them they were being difficult by asking for proof of the debt.
Multiple consumers have reported Champion Strategy Holdings threatening lawsuits, wage garnishment, and even arrest for fraud. Those threats appear designed to create a false sense of urgency and fear rather than reflect any actual legal process.
Debt collectors who rely on urgency and fear are doing so because informed consumers are much harder to pressure into immediate payment.
The attorney impersonation issue
One of the most troubling patterns involves how Champion Strategy Holdings identifies itself. Consumers have reported that when Champion Strategy Holdings calls, company representatives claim to be from “CSH Mediation Group.” They claim to be calling from “an attorney’s office” or “law office.”
One complaint filed with the BBB came from a law office itself: We received a call this morning from a Michelle Lewis with Champion Strategy Holdings stating that this was an attempt to collect a debt from a professional debt mediator. We are a law office and our office doesn’t have any outstanding debts.
Impersonating an attorney is a serious violation of federal law. This is the kind of deception that’s designed to make consumers believe they face more severe legal consequences than they actually do.
Your rights are stronger than you think
The Fair Debt Collection Practices Act
Congress passed the Fair Debt Collection Practices Act because it concluded that debt collectors have historically engaged in abusive, deceptive, and unfair practices. The law offers specific protections to consumers that when used properly shift the burden of proof to the debt collector.
Under the FDCPA, a debt collector must provide consumers with written validation of the debt within five days of the initial communication. Consumers then have 30 days to dispute the debt in writing. Upon receiving a dispute letter, the debt collector must stop collection activities until it provides verification of the debt.
The behaviors documented in the complaints against Champion Strategy Holdings, such as threatening to add fees for disputing and refusing to validate, appear to be direct violations of the FDCPA.
Here’s what debt collectors rarely tell consumers: They often don’t have all the documentation needed to validate the debt. When the original creditor sells a debt to a collection agency, the paperwork frequently ends up incomplete or entirely lost. That’s why the dispute strategy can be so effective when done through the proper channels.
The Fair Credit Reporting Act
The Fair Credit Reporting Act gives consumers additional leverage when dealing with a credit reporting agency. When consumers dispute an item directly with credit bureaus, those bureaus have 30 days to investigate. If the entity that furnished the information cannot verify, the credit bureaus must delete the item.
That verification process is where many collection accounts fail. A debt collection agency that’s been administratively dissolved, that ignores 100 percent of the complaints filed against it, and that’s a defendant in multiple federal lawsuits may not have the capacity to respond properly to a credit bureau investigation within the allotted 30 days.
Why paying it may be the worst move
If Champion Strategy Holdings is on your credit report as an unpaid collection account, your first instinct may be to pay it off and move on. However, paying a collection account is often the worst financial move you can make.
What debt collectors won’t tell you is that when you pay a collection account, you’re not removing it. You’re simply changing the status from unpaid to paid. The account remains on your credit report for up to seven years from the original delinquency date. Paying a collection account can even cause your credit score to drop in some scoring models because the payment resets the date of last activity.
If you dispute an account that cannot be verified, you may be able to get it completely removed. That’s as if the account never existed on your report at all. The difference between those two outcomes is substantial.
The hidden documentation gap that works in your favor
When an original creditor sells a debt to a collection agency, it usually only provides limited documentation. The collection agency may not receive the original contract that was signed, the payment history, or the account statements. That creates a verification gap that a formal dispute process can uncover.
If Champion Strategy Holdings cannot produce the original paperwork that proves you owe the debt it’s trying to collect, credit bureaus must remove the item from your report.
Champion Strategy Holdings’ pattern of ignoring all complaints filed against it and its status as an administratively dissolved company suggest there may be organizational issues that could affect its ability to respond to verification requests.
The value of professional representation
When dealing with a debt collection dispute, your best option is to have professional representation. Trying to navigate this on your own puts you at a disadvantage. You’re up against companies that do this all day every day. They know all the tactics that pressure consumers into paying. They’re counting on you not knowing your rights.
Professional credit repair levels that playing field. When a credit repair company gets involved, debt collectors understand they’re now dealing with someone who knows the rules and will make them pay for violating those rules.
Professional representation is a sign of seriousness in a way that individual representation often isn’t. The same tactics debt collectors use to pressure individual consumers into paying become legal liability when aimed at represented clients.
The leverage of strategic silence
One of the most important services a credit repair professional can provide is creating space between you and the debt collector. Direct communication with a debt collection agency is rarely to your advantage as a consumer. Everything you say can be used to try and restart a statute of limitations or confirm information the collector didn’t actually know.
Sometimes, saying nothing at all is the most powerful thing you can do. When you handle disputes through the proper channel and with professional representation that understands the process, you take away the debt collector’s most powerful tool: psychological leverage. The emphasis shifts from intimidation to documentation. That almost always works in favor of consumers.
Conclusion
If Champion Strategy Holdings is on your credit report, it’s not the end of the world. Champion Strategy Holdings’ administratively dissolved status, its F rating with the BBB and 94 complaints it has refused to answer, its role as a defendant in four federal lawsuits, and its documented history of troubling behaviors all point to a company with some glaring weaknesses.
The debt collection industry relies on consumers not knowing their rights and reacting out of fear. It relies on consumers not understanding that disputing a debt is often a better strategy than paying it, that collectors frequently cannot validate the debts they’re trying to collect, and that federal law offers substantial protections if you know how to use them.
Now you know.
What do you do now?
If Champion Strategy Holdings is on your credit report, the worst thing you can do is react emotionally or pay without doing your research. The best thing you can do is work with professionals who understand how to use federal law and documented patterns of bad behavior to your advantage.
FightCollections.com specializes in taking on debt collectors through the dispute process. We understand what documentation debt collectors need to have. We understand the verification process that can root out accounts that don’t meet the proper standards. We handle the process so you don’t have to face the harassment of aggressive debt collectors.
Request your free consultation today. Let us evaluate your credit report and the Champion Strategy Holdings listing on it. Let us talk through a strategy to remove it. You have more power than you realize. It’s time to use it.
