Consumer complaint received 2021-10-12
Company: Merchants and Professional Bureau, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that I do not recognize or believe are inaccurate. The accounts in question are listed below : NAME OF ACCOUNT : MERCHANTS & PROFESSIONAL ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT DETAIL : Open account XXXX, Collection XXXX, Collection Account XXXX DATE OPENED : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX PAYMENT STATUS : N/A XXXX, Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department XXXX, Unpaid XXXX LAST REPORTED : XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, N/A XXXX LAST ACTIVE DATE XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX LAST PAYMENT DATE : N/A XXXX, N/A XXXX, N/A XXXX CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. 
Pursuant to 15 USC 1692c. ( c ) ( 2 ) I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports. 
Clear out payment history. 
Grant me my title lien free.

No negative reporting Please provide me with a copy of my updated or corrected consumer file showing these items are removed. I demand the following listed accounts be legally verified by showing me the sources of verification or removed immediately. 
I assume that your company has verified the accuracy of these disputed items before you chose to published them on my credit report. 
Please provide me with copies of the documents that you have in your files as of this date that you used to verify the accuracy of the disputed accounts. 
Under the Fair Credit Reporting Act, in section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts listed above that you are reporting in my consumer file. 
It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed accounts to my credit file in error. Please verify that the social security number and signature on the credit application used to open these disputed accounts reported on my credit report are truly mine. You can do this by sending me a signed copy of the credit application that was used to open the disputed accounts. Please verify that all of the information given to you by the provider and then published on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items. 
***IMPORTANT*** Please dont respond to my request by saying that these accounts have been verified by the information provider. Send me copies of the documents that you have retained in your files that your company used to verify the accuracy of these disputed accounts. 
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to 3rd parties you are damaging my reputation and credit worthiness. 
If you do not have any documentation in your files that verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information the provider told you. The law is clear, that a credit reporting agency that does not comply with the verification requirement of 1681i if it simply parrots the information providers electronic response. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed above within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
After doing so please provide me with an updated credit report reflecting the changes.

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