Consumer complaint received 2022-03-07
Company: Professional Debt Mediation, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/XXXX Complaint no : XXXX was filed on Debt collectors : Professional Debt Mediation Inc. Debt collectors Professional Mediation Inc. XXXX replied on XX/XX/XXXX. 

All Parties involved : XXXX XXXX XXXX President / CEO of Professional Debt Mediation Inc., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. 

XXXX XXXX XXXX President / CEO of Professional Debt Mediation Inc., provided documents from their alleged client. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX agreed to accept all responsibilities from all documents provided. The signature is displayed on page 1 and 3. ( Please see New Collection File Checklist 1-12 ) XXXX XXXX  XXXX XXXX XXXX CEO of Professional Debt Mediation Inc. , agreed to accept all responsibilities from all documents provided. The signature is displayed on page 14. ( Please see Professional Debt Mediation Inc., Page 13-14. ) XXXX XXXX XXXX provided unverified documents with electronic signatures not captured by XXXX XXXX. Due to XXXX XXXX XXXX dishonor : XXXX XXXX private information is currently on display for anyone to take advantage due to XXXX XXXX XXXX providing phone numbers, addresses, work history, and social security numbers. 

According to the documents provided by XXXX XXXX XXXX, XXXX XXXX XXXX application for Residency is invalid, there appears to be only one signature. The alleged contract is void. There is not a responsible party listed for XXXX at XXXX. Who submitted this Application for Residency? ( Page 4-5 ) On page 6 titled : Apartment Lease Contract, Us the owner is listed as XXXX has XXXX XXXX XXXX According to the South Carolina Secretary of State ( XXXX XXXX ) XXXX has XXXX XXXX is not a legitimate company and yields no results. Again, proving XXXX XXXX never entered into any contracts with the above-mentioned parties or owes a debt of any sort. 

On page 13 titled : Professional Debt Mediation Inc., please be advised that XXXX XXXX does not self-identify as XXXX XXXX XXXX XXXX XXXX XXXX, Residents Name, Applicant full name, he, or his ; and have ever used such titles. Professional Debt Mediation Inc., acknowledged the fact that they are not Holders in Due Course and they do not have a contract with XXXX XXXX. ( See attachments Page 13 ) No services from Professional Debt Mediation Inc., was provided to XXXX XXXX. 
Please be advised that Professional Debt Mediation Inc., will receive another notice via Certified Mail No. XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX ( Please see each attached notice ). XXXX XXXX will keep the CFPB updated with their acquiesce. 

It is extremely uncommon to release private information without a written consent signed wet-ink and reporting unverified information to credit bureaus is also extremely uncommon especially if you are not a Holders In Due Course. 

Please provide proof of an initial letter mailed from Professional Debt Mediation Inc., to XXXX XXXX on XX/XX/XXXX stamped by the postmaster. Provide the postal notice received at Professional Debt Mediation Inc., on XX/XX/XXXX. If XXXX XXXX is indeed your client, the documents will not be a problem to produce. Note : All mailings must be stamped by the postmaster to serve as proof that Professional Debt Mediation Inc., are honorable debt collectors that allows their alleged clients to dispute the validity of their debts before placing any accounts with the credit bureaus for collection. 

For the record, Professional Debt Mediation Inc., are not Holders In Due Course and have not provided any licenses proving they are allowed to collect on alleged debts in my state. 
This brings into question Will they provide the necessary documents needed to prove a debt is actually owed to them from XXXX XXXX on behalf of someone else? Who decided it was legal to give a debt collection company my social security number? 

Note : It appears that XXXX of XXXX did not give away my private information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX volunteered to be the responsible party. 
XXXX XXXX XXXXXXXX failed to reply to complaint no. : XXXX.

Company response to consumer: Closed with explanation