Consumer complaint received 2020-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Trojan Professional Services, Inc. (CA)

In reviewing my credit reports from the 3 major Consumer Reporting Agencies, I noticed that TROJAN PROFESSIONAL SERVICES was  attempting to collect on a debt I allegedly owe in the amount of {$840.00} noting the original creditor as XXXX XXXX XXXX. I never received any notification by the original creditor nor Trojan Professional Services regarding this alleged debt. 

I understand that, I should have received a dunning letter that notifies my of the debt and all the consumer rights for requesting validation of the alleged debt and amount. On XX/XX/2020 I sent a letter ( 15 U.S.C 1692g ( b ) to TROJAN PROFESSIONAL SERVICES requesting a validation of this debt and the amount reported. I still have not received a response from Trojan Professional Services and this is still being reported to on my credit report. 

15 U.S.C 1692g ( a ) states " ( a ) Notice of debt ; contentsWithin five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor 15 U.S.C 1692g ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

Reporting to the Consumer Reporting Agencies is an attempt to collect on a debt. In this case a debt that has not been validated. This is causing me distress and negatively impacting my credit that is causing me to be denied credit or finance opportunity or given extremely high interest rates.