Consumer complaint received 2022-10-04
Company: Collection Professionals, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I am having an issue with a medical debt reported on my consumer credit files with a company called Collection Professionals Inc. I have disputed the debt multiple times to no avail. No information has ever been provided, no documents of any kind which would prove the validity of the account. I know because it is not mine. The company has never once comported itself according to the fair and judicious practices of the FCRA compliance which it says it does. The bureaus, being paid to report this data, take the company 's side without so much as a requirement for validation, as requested. 

I called the company on XX/XX/XXXX, less than a week ago to inquire about this debt and was informed that they will gladly remove it if I pay it, but I asked for documents pertaining to it, they tell me they moved offices and the paperwork from the hospital must be lost, because they dont have it. So, the woman I spoke with stated they had to contact the hospital for it, which is why they can't provide it. She also informed me about a debt pertaining to a business I owned and sold in its entirety. The woman said they had a judgment against me for this other debt, which I explained was not mine as the company had been sold, was an LLC and that this was done prior to the debt in question. Again, I call for one thing and am told another. There accompanied a veiled threat to report this information as well if I did not pay, even when I explained I had no knowledge of it, and it was obviously not mine. The woman told me she would look into it and for me to call Monday. 

I called Monday and asked for the complete file of data they have on me, including all debts, collection efforts, the supposed judgment and anything else as I would retain legal counsel and they needed this information. The agent told me she could not provide me with any information because they did not have it, and whatever they had on me would need the approval of her bosses. 

Every document I ask for is denied, their explanation is they do not have it, it is waylaid, lost in a move of offices which they have recently undergone. Yet, they inform me that if I pay their fraudulent debts, they will erase everything. This is just a tad unprofessional and violates my rights as a consumer. Also, I called a Wyoming number, but that office has been moved to Illinois, so they are using the remote number, but their address is at another location. 

The debt is not mine, there is no judgment against me, nor have I ever received any kind of documentation from Collection Professionals Inc or any other company or court for any other judgment or debt. This entire matter stinks to me. I am seeking the mediation of this agency to help oversee this issue of phantom inaccurate debts and the scam I feel I am being subjected to. 

Collection Professionals Inc. is acting in violation of the FCRA, my consumer rights and common decency. They are threatening to ruin my credit, affect my credit score and worthiness to collect a debt I do not owe and which by their own admission, can not validate or document. I am further being asked to pay a judgment against me, and that they will erase all items. But again, I have never had a judgment against me, they also refuse to provide me with this information, yet insist I pay it. 

This data has no reason to be on my credit report, it does not meet FCRA compliance as they state and is simply not mine on any level. 

I have asked for documents from the source and have had none provided at any given moment, neither prior to me calling them or after. I am asking that this agency have them provide this information or any other information they have on me, in regard to debts or judgements as required under the law. 

I will consider legal redress against Collection Professionals Inc on my own but am asking this federal agency for assistance in mediation, to insure that not only this illegal practice is put on the record but also for others who find themselves similarly situated.

Company response to consumer: Closed with explanation