Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #18064817
Debt Mediator Accused of Improper Credit Report Use
Complaint Overview
Complaint ID: 18064817
Company: Professional Debt Mediation, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: South Carolina
ZIP Code: 29662
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The improper use of a consumer's credit report by a debt mediation company can lead to financial harm and identity theft concerns.
Consumer Sentiment: negative
Topics: Credit Reporting, Consumer Protection, Debt Mediation
AI Analysis
CFPB complaint 18064817 was filed against Professional Debt Mediation, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint alleging that Professional Debt Mediation, Inc. improperly used their credit report. The complaint was received on November 30, 2025 from South Carolina. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should be cautious about sharing personal financial information and monitor their credit reports for any unauthorized inquiries or activity.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports and prohibits their improper use.
Regulatory Insight
Companies handling sensitive consumer data must adhere to strict regulations regarding data access and usage to prevent misuse.
Resolution Likelihood
mixed
State-Specific Consumer Protections
South Carolina residents are protected by state and federal laws regarding credit reporting and consumer data privacy.
Industry Comparison
This complaint highlights a potential issue within the debt mediation industry, where oversight of data handling practices is crucial.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064817 about?
CFPB complaint 18064817 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against Professional Debt Mediation, Inc. on November 30, 2025.
Which company is complaint 18064817 filed against?
Complaint 18064817 was filed against Professional Debt Mediation, Inc.. You can view all complaints against this company on their profile page at /company/professional-debt-mediation-inc.
What was the company's response to complaint 18064817?
Professional Debt Mediation, Inc. responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 18064817 filed?
Complaint 18064817 was received by the CFPB on November 30, 2025. It was sent to Professional Debt Mediation, Inc. on November 30, 2025.
What state was complaint 18064817 filed from?
Complaint 18064817 was filed from South Carolina. You can view all complaints from this state at /state/SC.
Was the consumer satisfied with the resolution of complaint 18064817?
Dispute information is not available for complaint 18064817.
What product category is complaint 18064817 about?
Complaint 18064817 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 18064817 submitted?
Complaint 18064817 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18064817?
The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports and prohibits their improper use. This relates to a Credit reporting or other personal consumer reports complaint against Professional Debt Mediation, Inc. involving "Improper use of your report".
How likely is complaint 18064817 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 18064817?
This complaint is rated as medium risk. The improper use of a consumer's credit report by a debt mediation company can lead to financial harm and identity theft concerns.
What regulatory actions apply to complaint 18064817?
Companies handling sensitive consumer data must adhere to strict regulations regarding data access and usage to prevent misuse. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 18064817?
Consumers should be cautious about sharing personal financial information and monitor their credit reports for any unauthorized inquiries or activity.
Are there state-specific protections for complaint 18064817?
South Carolina residents are protected by state and federal laws regarding credit reporting and consumer data privacy. This complaint was filed from South Carolina.
How does complaint 18064817 compare to industry norms?
This complaint highlights a potential issue within the debt mediation industry, where oversight of data handling practices is crucial.
What specific actions constitute 'improper use' of a credit report by a debt mediation company?
Improper use can include accessing a report without a permissible purpose, sharing it with unauthorized third parties, or using it for discriminatory practices.
What recourse does a consumer have if their credit report is misused by a debt mediation company?
Consumers can file a complaint with the CFPB, report the incident to credit bureaus, and potentially pursue legal action against the company.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.