Consumer complaint received 2025-05-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
Date : XX/XX/XXXX Respondent : Professional Collectors Corp . 
Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX NATURE OF COMPLAINT I am filing this complaint against Professional Collectors Corp. for attempting to collect a medical debt that is not valid, for failing to provide proper verification in response to my dispute, and for unlawfully reporting inaccurate information to the credit bureaus. These actions are in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and relevant Wisconsin consumer protection laws. 
STATEMENT OF FACTS 1. In [ XXXX ], I received XXXX medical services. At the time of service the nurses that discharged me provided XXXX XXXX with a fact sheet containing my XXXX XXXX insurance information. 
XXXX. I was recently filed a dispute regarding a debt that Professional Collectors Corp. claimed I owe for XXXX services with the XXXX XXXX XXXXXXXX. The collection agency has reported this debt on my credit report. 
3. I disputed the validity of this debt online and informed them that I was insured under XXXX XXXX during the time of service. 
4. In response, the agency sent a billing statement dated XX/XX/XXXX, referencing the alleged XXXX service. The statement contains no information about the original statement date, no proof of insurance billing, and no itemization of the charges. 
5. There is no documentation showing that a claim was ever submitted to XXXXXXXX XXXX, and I have not received any explanation for why I am being billed directly, in violation of Wisconsins Medicaid billing rules ( XXXX XXXX. XXXX XXXX XXXX ( XXXX ) ). 
6. Despite this, the debt remains on my credit report, and the agency continues to pursue collection. 
LEGAL VIOLATIONS FDCPA ( 15 U.S.C. 1692g ) The collection agency failed to properly validate the debt. Under federal law, once a debt is disputed, they must cease all collection activities until verification is provided. A generic billing statement without evidence that I am responsible or that insurance was billed is not sufficient.

FCRA ( 15 U.S.C. 1681s-2 ( b ) ) The debt collector furnished this debt to consumer reporting agencies. Once I disputed the debt with the credit bureaus, the collector was required to conduct a reasonable investigation. Failing to provide insurance billing records or proof of consumer liability fails to meet this standard. 
Wisconsin Law ( Wis. Admin. Code DHS 106.03 ) If a patient is covered by Medicaid or XXXX XXXX, providers must bill Medicaid before pursuing any balance from the consumer. The collection agency has not provided any proof this was done.

RELIEF REQUESTED I respectfully request the following : 1. ) Immediate deletion of this account from all consumer credit reports with XXXX XXXX XXXX XXXX ; 2. ) Cessation of all collection activity related to this alleged debt ; 3. ) A full accounting and explanation of whether the provider or collection agency submitted a claim to XXXX XXXX and, if not, why ; 4. ) A written statement confirming that this account will not be sold, reassigned, or reported again.

ATTACHMENTS Copy of billing statement provided by the collection agency Copy of proof my coverage at the time

Company response to consumer: Closed with explanation