Consumer complaint received 2021-04-21
Company: Professional Credit Management, Inc
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Professional Credit Management continues to blatantly report inaccurate, unverifiable entry ( s ) on my credit reports ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX XXXX. The entry on my reports reflect that Professional Credit reported this entry in XX/XX/2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Professional Credit ( see attached ). To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entries they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the XXXX provides a collection company must wait 6 months. Professional Credit Management did not and to date has not provided a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. 

It is obvious that Professional Credit Management has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, and remove this entry from my credit report immediately. 

Lastly, why are they continuing to report a paid account? This is misleading and yet another inaccuracy of this company. If the debt is paid, why are they continuing to report this information as if they are collecting on it? This is further diminishing my creditworthiness.

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