Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am formally disputing the alleged debt placed on my credit report by [ XXXX XXXX XXXX ] in connection with XXXX XXXX XXXX XXXX XXXX ( XXXX ) and its representative, XXXX XXXX. This debt is fraudulent and violates multiple state and federal laws, and must be permanently removed from my credit and public records. 

XXXX. Fraudulent and Unverified Debt The only obligation ever acknowledged in open court was attorneys fees in the amount of {$1500.00} payable to the attorney representing XXXX. I do not owe XXXX, XXXX XXXX, or XXXX any additional amounts. The debt now reported at more than {$7000.00} is based on falsified documentation, including a lease containing a forged signature that is not mine, and undated/unsigned damage photos with no chain of custody or witness verification. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), I have the right to full validation of any alleged debt. A falsified lease and unsubstantiated charges do not constitute proof of debt. 

XXXX. XXXX XXXX of XXXX XXXX XXXX unlawfully transmitted my confidential, government-issued identification and Social Security number to a third-party collection agency without my knowledge or written consent. This conduct violates : XXXX XXXX ( 15 U.S.C. 6801-6809 ) which prohibits financial institutions and creditors from disclosing a consumers nonpublic personal information to non-affiliated third parties without providing notice and obtaining consent. 
Fair Credit Reporting Act ( 15 U.S.C. 1681b ) which strictly limits the purposes for which a consumers credit information and identifiers may be accessed, requiring permissible purpose and authorization. 
Texas Business & Commerce Code 521.051 which prohibits the unauthorized disclosure of sensitive personal information including drivers license and Social Security numbers. 

Each of these laws provides for fines, penalties, and civil liability against parties that improperly share consumer data. 

XXXX. FDCPA and FCRA Violations By reporting fraudulent debt based on falsified records, the debt collection agency has violated : FDCPA, 15 U.S.C. 1692e prohibits false, deceptive, or misleading representations in connection with debt collection.

FDCPA, 15 U.S.C. 1692f prohibits unfair or unconscionable means to collect or attempt to collect any debt.

FCRA, 15 U.S.C. 1681s-2 ( a ) requires furnishers to report only accurate information to credit bureaus ; knowingly reporting false debt is a violation.

FCRA, 15 U.S.C. 1681n & 1681o provide for consumer remedies, including statutory damages, punitive damages, and attorneys fees, for willful or negligent violations. 

XXXX. Pattern of XXXX and XXXX XXXX XXXX XXXX has multiple open cases involving workplace retaliation, harassment, and falsifying records. Evidence presented to XXXX XXXX, the XXXX, XXXX, and my attorneys demonstrates a pattern of retaliatory conduct, including falsifying debts to damage residents and employees. The fraudulent reporting of this account is part of that ongoing misconduct. 

XXXX. Harm and Public Awareness This false debt has caused my XXXX XXXX to drop by over XXXX points, preventing me from securing housing and hindering employment opportunities. Under 15 U.S.C. 1681i, I have the right to demand reinvestigation and correction of inaccurate information. If the debt is not immediately removed, I will exercise my right to pursue damages in federal court and will also make this matter public through filings with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, the Federal Trade Commission ( FTC ), and through lawful consumer reporting channels to warn the public about this agencys unlawful practices. 

Demand for Relief I hereby demand that : 1. This fraudulent account be immediately deleted from all credit reporting agencies, public records, and housing systems.

2. Written confirmation be provided that the account will not be resubmitted or sold.

3. All further collection activity cease immediately, as required under 15 U.S.C. 1692c ( c ).

4. Any unlawful sharing of my personal data be investigated and addressed.

Failure to comply will leave me no option but to seek full remedies under the FDCPA, FCRA, Gramm-Leach-Bliley Act, and state consumer protection and privacy laws, including statutory damages, attorneys fees, and public disclosure of these unlawful practices.

Company response to consumer: Closed with explanation