Debt collection -- Attempts to collect debt not owed -- Complaint #10744471
Complaint Overview
Complaint ID: 10744471
Company: Professional Debt Mediation, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Florida
ZIP Code: 33027
Date Received: 2024-11-09T12:00:00-05:00
Date Sent to Company: 2024-11-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Dear Sir/Madam, I am writing to formally dispute an error on my XXXX & XXXX credit report, specifically account number XXXX, pertaining to XXXX At XXXX XXXX XXXX The account is incorrectly listed as open, and I demand its immediate deletion from my credit report. I request a thorough investigation into this matter and request evidence of the alleged debt, including : A copy of the original contract or agreement Proof of payment history Documentation of any communications or correspondence related to this account. I believe this error may be a result of false, deceptive, or misleading representations by the collector, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically : 15 U.S.C. 1681n : Unauthorized access to consumer reports 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations I urge you to take prompt action to correct this error and ensure the accuracy of my credit report. Please provide : A copy of the investigation results The official history of this debt Please respond within 30 days, as mandated by the FCRA. I look forward to a swift resolution.
Frequently Asked Questions
What is Complaint #10744471 about?
Complaint #10744471 was filed against Professional Debt Mediation, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-11-09T12:00:00-05:00.
How did Professional Debt Mediation, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Professional Debt Mediation, INC.?
Yes, visit the Professional Debt Mediation, INC. company profile at readthecomplaint.com/company/professional-debt-mediation-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.