Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( PDM ) XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Re : Formal Dispute of Reporting / Validation Demand / Notice of Intent to Sue Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : This letter serves as a formal dispute of the alleged debt XXXX XXXX XXXX XXXX XXXX is reporting and/or attempting to collect. It is issued pursuant to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Florida Consumer Collection Practices Act ( XXXX ), and applicable Florida licensing laws. This also acts as a Notice of Intent to Sue if the matter is not resolved lawfully. 



1. FCRA VIOLATIONS INACCURATE, CONFLICTING, AND UNVERIFIED REPORTING PDM is reporting inconsistent, contradictory, and inaccurate information to the consumer reporting agencies, including but not limited to : Differing account status or category Conflicting dates ( opened, delinquency, last payment, charge-off ) Different balances across bureaus Failure to establish chain of title Conflicting data between Experian, Equifax, and TransUnion These inconsistencies violate : FCRA 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681s-2 ( b ) failure to correct inaccurate information after notice of dispute FCRA 1681i ( a ) failure of the CRAs to conduct a reasonable reinvestigation Because the information furnished is contradictory, the account is legally unverified and must be deleted if proper documentation is not produced immediately. 



2. FAILURE TO PROVIDE PROPER DEBT VALIDATION FDCPA VIOLATIONS If PDM or its agents communicated with me about this debt, demanded payment, or continued collection activity without providing adequate validation, this constitutes violations of : FDCPA 1692g ( b ) continued collection activity without validation FDCPA 1692e false or misleading representations FDCPA 1692f unfair collection practices Under federal law, PDM must provide : A copy of the original signed contract or agreement Full itemized accounting of the alleged balance Complete chain of title from the original creditor Proof of legal right and authority to collect If you can not provide full validation, the account must be deleted immediately. 



XXXX. FLORIDA LICENSING COMPLIANCE PDM IS LICENSED BUT MUST PROVE AUTHORITY According to publicly obtained licensing data, PDM holds : Florida Consumer Collection Agency License : XXXX Status : Active Expiration : XX/XX/year> While PDM is licensed, Florida law still imposes strict requirements on all collectors : Under the FCCPA & Licensing Statutes : XXXX XXXX. XXXX ( XXXX ) prohibits asserting a legal right that does not exist XXXX XXXX. XXXX ( XXXX ) prohibits communicating false credit information XXXX XXXX. XXXX ( XXXX ) requires lawful, compliant operation at all times Even with a license, PDM may not : Report contradictory or inaccurate information Attempt to collect without proper documentation Continue collection during validation disputes Misrepresent the debt Furnish incomplete or unreliable data I require PDM to confirm : You are currently licensed You were licensed on each and every date collection activity occurred You have legal right to collect the debt 4. NOTICE OF INTENT TO SUE If PDM fails to validate the debt, correct inaccurate reporting, or ceases any unlawful collection activity, I will pursue litigation for : Under the FCRA : Statutory damages ( 15 U.S.C. 1681n ) Actual damages ( 15 U.S.C. 1681o ) Punitive damages Attorneys fees Under the FDCPA : Statutory damages up to {$1000.00} Actual damages Attorneys fees Under the FCCPA : Statutory damages up to {$1000.00} per violation Punitive damages Attorneys fees and court costs All rights are fully reserved. 



5. WHAT PDM MUST PROVIDE WITHIN 30 DAYS A. Full validation of the alleged debt, including : Executed contract or agreement Complete billing history Chain of assignment Itemized breakdown of all fees B. Proof of Florida licensure, specifically : License number Effective and expiration dates Proof that licensure was active on all collection dates C. Correct all inaccurate reporting, or delete the account entirely if you can not legally verify anything you are reporting.

Failure to respond will be documented as willful noncompliance.

6. REQUIRED METHOD OF RESPONSE PDM must respond in writing to the address above.

Phone calls are not an acceptable method of communication.

I expect full compliance with state and federal law.

Company response to consumer: Closed with explanation