Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: TN

Complaint narrative:
Subject : Formal Complaint XXXX XXXX XXXX XXXX XXXXXXXX Failure to Validate Debt, Lack of Mutual Contract, and Unlawful Credit Reporting To : Consumer Financial Protection Bureau Consumer Complaint Intake From : XXXX XXXX Summary of Complaint This complaint is filed against XXXX XXXX XXXX XXXX XXXX XXXX for continuing to collect, report, and furnish data concerning an alleged debt without producing any evidence of a lawful, mutual, and binding contract between the company and myself. 

Despite written notice requesting validation and proof of claim, XXXX XXXX continues to communicate and report the account as valid, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 


-- - Chronology XXXX. On XX/XX/year> I mailed XXXX XXXX a Validation and Proof of Claim Demand pursuant to 15 U.S.C. 1692g ( b ).

2. The notice requested : A copy of any signed agreement showing my consent and XXXX XXXX consideration ; Full chain of title showing lawful ownership or assignment of the account ; Accounting records proving an outstanding balance ; and Written authorization allowing XXXX XXXX  to furnish information to any credit bureau under 15 U.S.C. 1681b ( a ) ( 2 ). 



3. XXXX XXXX failed to provide this documentation and has instead verified the account to the credit bureaus as accurate. 


4. No mutual contract exists, no wet-ink signature was produced, and no evidence was shown that XXXX XXXX purchased or legally owns any obligation related to me. 


Legal Violations 1. FDCPA 809 ( b ) Failure to Validate Debt XXXX XXXX  continued attempts to collect or report after my written dispute constitute collection activity without validation. 

2. FCRA 1681s-2 ( b ) Failure to Reinvestigate and Correct Inaccuracies After receiving notice of dispute from both me and the credit bureaus, XXXX XXXX failed to conduct a lawful reinvestigation or remove unverifiable data. 

3. FCRA 1681b ( a ) ( 2 ) Unauthorized Furnishing of Information No written consent was given for XXXX XXXX to share or publish my personal credit information, violating the permissible-purpose requirement. 

4. Common-Law Contract and UCC Article 2 Violations There is no mutual agreement showing offer, acceptance, consideration, or meeting of the minds. Any attempt to enforce or sell this account without such proof is deceptive and commercially invalid. 

Requested Resolution and Damages Because XXXX XXXX has failed to prove a lawful relationship or contract, I request that the CFPB : 1. Order immediate deletion of the XXXX XXXX tradeline from all consumer credit reports. 


2. Require XXXX XXXX to produce within 30 days : The original signed agreement ; Chain of title or assignment ; and Proof of written authorization to furnish data.

3. Impose civil penalties for violations of the FDCPA and FCRA. 


4. XXXX XXXX XXXX to compensate me for damages caused by the continued publication of inaccurate data, including : Credit denials and score suppression ; Loss of reputation and financial opportunity ; and XXXX XXXX arising from unlawful collection and reporting. 



5. If XXXX XXXX asserts ownership or a security interest in any asset or obligation under my name without proof, I reserve my right under UCC 1-308 to file a UCC-1 Financing StatemenXXXX to protect my equitable interest and secure my position against unauthorized claims. 



Conclusion XXXX XXXX  ongoing furnishing and collection activity without validation demonstrates reckless disregard for federal law and for consumer privacy rights. I respectfully request that the CFPB initiate a full investigation and require immediate corrective action. 


Respectfully submitted, XXXX XXXX Complainant / Consumer Investigator

Company response to consumer: Closed with explanation