Consumer complaint received 2023-12-03
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to dispute again ( previous complain XXXX ) the collection account listed on my credit report under PFC account # XXXX, reported by Professional Finance Company ( PFC USA ) . The original creditor for this account is a medical provider, XXXX XXXX XXXX ( XXXX  ), and the account is related to in-home medical services rendered. I am disputing this debt for the multiple reasons, against unfair practices, unequal treatment and unclear policies. 

In this specific case, none of the following companies/organizations have done due diligence considering customer credibility and significant impact to a law-abiding family 1 ) XXXX XXXX XXXX  ( XXXX  ) Degraded and no verified record for services These were in-home service, they haven't provided any proof of services commencement with our ( parent ) signatures Policy changes without any prior communication to us Even after multiple requests and communication XXXX  Haven't provided services as per agreed weekly approved hours 2 ) Professional Finance Company ( PFC ) No correspondence sent to me for this account No physical or phone communication Account reported to credit bureaus without even single communication to us Not provided all the requested information and specific clarification from XXXX  on validation of individual services Provided FALSE information in previous response to CFBP complaint ( XXXX ) regarding physical mail on XX/XX/XXXX. Call with collector agent ( name sounding XXXX XXXX on XX/XX/XXXX and she confirmed that no physical mail was sent, I have registered for USPS informed delivery and there is no mail from PFC. I cant fine any email from PFC till date.

Even after requesting multiple times PFC havent shared when this dispute will be completed and not agreed to remove reporting this account till detailed investigation. 
3 ) XXXX and XXXX XXXX impact to credit score. Unfair score model to weigh too much on single collection account that too under dispute and medical related XXXX havent performed detailed investigation for this disputed account. XXXX is used by many creditors hence its their responsibility to closely investigate such anomaly accounts for customer like me with excellent credit score and significant impact to individual and their family.

4 ) CFBP Not taking strict action against unfair practices and blindly relying on PFC response without validating the facts No clear policies and guidelines to all the parties for disputed collection account and related credit score impact I am not aware of any of my fault and still the only one suffering from declined new credit and mental trauma to follow-up with XXXX, PFC, CFBP and credit bureaus. Without any prior notice and communication with customer, PFC have reported this account to credit bureaus. This has impacted my credit score by almost XXXX points, dropped from XXXX now to XXXX. Being an immigrant to United States in XXXX, I have built this credit history with immense hard work and consistently on time payment. I have no history of missed payment and my previous excellent credit score is the testimony of my credibility. Recently declined for new credit ( letter attached ). 
This specific account has ruined our family year end planning. Our family was planning to move to a big house to help with future need to my special need son but due to derogatory comment and updated low credit score it won't be possible and I will be on mercy of XXXX, PFC and credit bureaus to fix the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation