Debt collection -- Attempts to collect debt not owed -- Complaint #4972595
Complaint Overview
Complaint ID: 4972595
Company: Professional Recovery Management
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: Georgia
ZIP Code: 30281
Date Received: 2021-12-03T12:00:00-05:00
Date Sent to Company: 2021-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To whom it may concern, I, XXXX XXXX, a natural person, and a consumer, receive my consumer report on XX/XX/2021, and noticed and have proof that I am a victim of identity theft as defined under 15 USC 1681a ( q ) ( 3 ). 15 USC 1681a ( q ) ( 3 ) -The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. FOX COLLECTION CENTER has stated that I, a consumer, owe an alleged debt. This alleged debt has been furnished to my consumer report and is a violation of 1692b ( 2 ). See attached I, the consumer, have not given any prior consent or received any court documentation before the communication of this alleged debt. This is a violation of 15 USC 1692c ( a ) FOX COLLECTION CENTER engaged in conduct that has harassed, oppressed, and abused me in connection with the collection of this alleged debt. Oppressing a right would be conducted not allowed under the FDCPA and is a violation of 15 USC 1692d. Credit is my right granted and protected by federal law. FOX COLLECTION CENTER has caused damages to my financial reputation by furnishing this alleged debt to my consumer report in order to coerce payment. This is a violation of 15 USC 1692d ( 4 ) and is known as debt parking described by the FTC. FOX COLLECTION CENTER has communicated a false representation of the character and amount of this alleged debt. This alleged debt is furnished on my consumer report in a positive amount. It is impossible to pay on a positive balance. This is false and misleading and a violation of 15 USC 1692e ( 2 ) ( A ). FOX COLLECTION CENTER has knowingly furnished the credit reporting agencies with false credit information which is a violation under 15 USC 1692e ( 8 ) All of these actions were false and deceptive and a violation under 15 USC 1692e ( 10 ) FOX COLLECTION CENTER has not provided me with any validation of this alleged debt under 15 USC 1692g which should include : 1 ). amount of debt. 2 ). the name of the creditor to whom the debt is owed. 3 ). A Miranda which states unless the debt within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector 4 ). Another Miranda which states if you notify the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. 5 ). And a final Miranda which states upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. My failure to dispute the validity of this alleged debt may not be construed as an admission of liability! 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. These abusive and deceptive actions have caused a denial of credit and FOX COLLECTION CENTER is liable to me for actual damages sustained due to violations committed under the FDCPA.
Frequently Asked Questions
What is Complaint #4972595 about?
Complaint #4972595 was filed against Professional Recovery Management regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-12-03T12:00:00-05:00.
How did Professional Recovery Management respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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 Recovery Management?
Yes, visit the Professional Recovery Management company profile at readthecomplaint.com/company/professional-recovery-management 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.