Consumer complaint received 2022-05-19
Company: Professional Debt Mediation, Inc.
State: TX
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:
*THIS IS NOT A DUPLICATE COMPLAINT* This is In response to CFPB complaint # : XXXX, My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against PROFESSIONAL DEBT MEDIATION, INC. for violating a cease and desist notice they received on XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have never given PROFESSIONAL DEBT MEDIATION, INC. any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibits A which is a copy of the accounts reporting on my consumer reports, Exhibit B is a copy of their response to CFPB complaint # XXXX and a .pdf of an FTC report that will be labeled as Exhibit C when filing for a litigation in Federal Court to this complaint.

I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have not validated any alleged debt with PROFESSIONAL DEBT MEDIATION, INC. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving PROFESSIONAL DEBT MEDIATION, INC. any right to collect on this alleged debt. It is my belief that PROFESSIONAL DEBT MEDIATION, INC. are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms.

I have never received any documentation requesting validation from PROFESSIONAL DEBT MEDIATION, INC. before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If PROFESSIONAL DEBT MEDIATION, INC. can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until PROFESSIONAL DEBT MEDIATION, INC. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and PROFESSIONAL DEBT MEDIATION, INC. continues its collection efforts, I will file for litigation for actual damages caused and PROFESSIONAL DEBT MEDIATION, INC. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation