Consumer complaint received 2024-05-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

Professional Credit Management of XXXX, AR has listed a debt on my credit bureaus for {$520.00}. This debt was paid directly to the original creditor. 

I had a connversation on XX/XX/XXXX @ XXXX XXXX MST and requested they remove this listing : Here is a copy of the conversation. 

You are reporting a collection on my bureaus that was paid directly to the creditor XXXX XXXX  XXXX has joined the XXXX XXXX  Thank you for contacting us. Your privacy, all consumer / patient privacy is very important to us. In order to ensure I am speaking to the right person, please verify your home address. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX  XXXX  As we begin, I'm required to say : This is an attempt to collect a debt, and any information obtained will be used for that purpose. I've successfully identified your accounts and am reviewing. 
XXXX XXXX XXXX  I'm showing multiple accounts in our office, which account are you referring to? 
XXXX XXXX  I understand. I am only looking for the account that is directly related to me not to the XXXX XXXX XXXX  The NEXT accout ( Personal ) was already paid. I am referring to the XXXX in the amount of XXXX per the credit bureaus XXXX XXXX  XXXX  Did you make the payment directly to XXXX? 
XXXX XXXX  Yes, Payment was made directly to XXXX, which means Professional Credit does not have the right under my FDCPA to report on my bureaus XXXX XXXX  XXXX  When did you make the payment? 
XXXX XXXX If you have a share link I would be happy to share the PDF or screenshot XXXX XXXX  XXXX  I'm not sure if the chat feature will allow that. However, you can email it to me if you would like. XXXX XXXX XXXX  I have just sent you an email. 
XXXX XXXX  As Professional Credit does not own this account, and the original creditor was paid directly ; I would like to request you immediately update my credit bureaus and remove this account from the bureaus. 
XXXX XXXX  XXXX  The payment was made on XX/XX/XXXX, they have up to 30 days to report the payment to us. They have not reported the payment at this time. Once the payment is reported, we will update the credit bureaus that the account has been paid and will reflect a {$0.00} balance. 
XXXX XXXX  Again, I request Professional Credit remove this listing from my bureau. As you are not the owner of this account, and payment made to the original creditor, You have no right to continue to report XXXX XXXX  XXXX  You are correct in that we are not the owner of the debt, we are collecting on behalf of XXXX XXXX XXXX XXXX XXXX, the payment being made directly to the provider has nothing to do with the provider. Non-medical collection debt does not get removed from the credit report once paid in full, regardless of whether the bill was paid to the original creditor or to PCM. The balance will be updated to a {$0.00} balance once the payment is reported. 
XXXX XXXX  You are not collecting on their behalf they are paid XXXX XXXX XXXX Once XXXX XXXX XXXX XXXX XXXX reports the payment, we will update that the account has been paid. 
XXXX XXXX  Ok, I am currently filing a complaint with the FDCPA. I will let them work on my behalf. 
XXXX XXXX  XXXX  Thank you for contacting us today. Is there anything further I can assist you with?