Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Professional Mitigation Services, Inc
State: FL

Complaint narrative:
XXXX did work for me, and a final statement of work was required for my insurance company, which they failed to provide. Additionally, they did not complete all the agreed-upon work, which is where my complaint began. 
Once they claimed the work was complete, I requested all administrative documents. Although I come to accept that some of the work was unfinished ( ive had to conduct more repairs since this shotty job ) and came to terms with all of thisbut, I still need/ed a final itemized invoice ( final statement of work ) and a warranty for my shingles. The itemized invoice was necessary to activate the warranty, and I was also required to provide the company owner 's signature or provide my homes deed to activate it myself since XXXX refused to do so. but i was back at square one with no itemized invoice to show warranty what was on my roof XXXX was ready to collect additional money. However, I informed them that I would not make any further payments until I received a final invoice and warranty, as I was unaware of what materials and labor had been performed. I did, however, have a clear understanding of what had not been completed or provided as promised. 
A collections representative, falsely posing as an attorney, contacted me. In response, I formally notified XXXX regarding their collection practices and ordered them to cease and desist all contact from XXXX XXXX XXXX. I also instructed them to refrain from using my personal identifiable information ( PII ). Despite this, they proceeded to run a credit check on me for a non-credit transaction and placed erroneous data on my credit report, preventing me from being approved for a new home. I neither applied for credit nor was approved for any line of credit with XXXX, and they were never given permission to use my PII. I have no knowledge of how they obtained my Social Security number or any other information to conduct a hard pull. 
I requested arbitration, but XXXX placed this unvalidated debt on my credit report and conducted multiple hard inquiries, which I believe are illegal. They subsequently took me to court, claiming I owed a significant amount. However, they voluntarily dismissed the case, leaving the debt unvalidated between us. 
Now, both parties have been invited to return to court. Before the court events, at the time of the court events, today after the court events, I have not and do not acknowledge this as a valid debt, nor should I be obligated to. XXXX has used every legal avenueand some illegal ones, including offering incentives they were not legally permitted to provide under Florida roofing lawsto harass me after failing to conduct business in a professional manner. 
In addition to having this matter removed from my credit report, I hope XXXX is held accountable for their illegal consumer and FTC actions.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation