Debt collection -- False statements or representation -- Complaint #14343057
Complaint Overview
Complaint ID: 14343057
Company: Professional Credit Management, INC
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Tennessee
ZIP Code: 38125
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-06-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : l am writing to you in response to a collection account listed under my name. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am requesting validation and verification of the alleged debt referenced above. Please provide alI the following : 1. Proof that your agengy has legal authorty to collect on this debt, including a signed assignment or purchase agreement from the original creditor. 2. An itemized breakdown of the debt including principal, interest, fees and payment history. 3. A copy of the original signed contract or agreement that initiated this debt. 4. Proof that your company is licensed to collect on debt in my State of Tennessee. Until these items are provided, I request that all collection activity cease and decease, including reporting this account to any credit bureaus. Please note that any attempts to validate this debt must comply fully with Federal and applicable State laws ( 15 U.S.C. $ 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. {$1600.00} ). Sincerely. XXXX XXXX
Frequently Asked Questions
What is Complaint #14343057 about?
Complaint #14343057 was filed against Professional Credit Management, INC regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-06-27T12:00:00-05:00.
How did Professional Credit Management, 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 Credit Management, INC?
Yes, visit the Professional Credit Management, INC company profile at readthecomplaint.com/company/professional-credit-management-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.