Consumer complaint received 2020-10-07
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:
When I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus. The bureaus advised that Professional Credit had verified the account. To that end, I communicated in writing to Professional Credit.

Professional Credit had indeed inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. My credit reports reflect Professional Credit opened the account in XX/XX/XXXX and began reporting in XX/XX/XXXX. This is illegal p

er Affordable Care Act ( ACA ). Per ACA, medical bills are not to be reported before six months. ( See credit reports attached where they blatantly violated this law. Additionally, I received no correspondence from them advising me that they were attempting to collect a debt thus granting me my consumer right to dispute the validity of their claim -- -- another blatant violation. In my first letter to Professional Credit, I specifically requested that they provide : An agreement that states your 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 Name and address of the bonding agent for collection agency in case legal action becomes necessary. Professional Credit provided a response ( see attached ), that in no form, validated the inaccurate information they continue to report. This letter is a mere stall tactic. In response to this stall tactic letter, I responded in writing ( see attached ), requesting Professional Credit to provide the financial responsibility page for this alleged debt. To date, I have not received a response. Professional Credit has yet to respond. If they are indeed alleging I
owe this debt, then they should have a copy of the financial responsibility page.

Both of my disputes to Professional Credit have been very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. As  you can see XXXX  does not reflect the account being in dispute. Another violation.

Professional Credit did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt.

Professional Credit must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for an alleged medical bill, why did they not provide a copy of the ledger to reflect any payments on this alleged account?

Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity.

Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

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