Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Professional Debt Mediation, Inc.
State: ME

Complaint narrative:
I was just on chat this morning w/XXXX, and on a good note, the chat went well. However, I am not here to complain about XXXX. I am here to voice my concerns regarding the inconvenience of having to spend unnecessary funds, I believe on the website its referred to as unnecessary spending for your agency to remove requested disputed delinquent accounts from my credit report when you have a website where I can solve and retire this years long fight to an end. 

The two main accounts are my student loan accounts, and " the first date of delinquent reporting on the account. And the ultimate bane of my existence, Professional Debt Mediation, another originating creditor. Let us start with w/The Dept of Education . 
The COVID-19 relief for federal student loans, including the payment pause and 0 % interest rate, ended on XX/XX/XXXX. Payments restarted in XX/XX/XXXX. The payment pause and 0 % interest rate were in place from XX/XX/XXXX, until XX/XX/XXXX. Student loan payments resumed in XX/XX/XXXX. Therefore, I should not be reflecting on a 90-day past due account. If this were the case, the report would reflect a 30-day and 60-day delinquency. Second, I was enrolled at The University XXXX XXXX XXXX  ( please see attached transcript ), which began on or about XXXX XX/XX/XXXX and ended on or about XXXX XX/XX/XXXX. 

According to the FAFSA, if youre enrolled in an eligible college or career school at least half-time, your loan will usually be automatically placed into a deferment executed by The University XXXX XXXX XXXX XXXX 

Additionally, my personal and financial data were compromised, violating FERPA, which should be grounds for that information to be either removed or canceled point-blank. But your organization had they investigated it properly wouldve discovered that I am a veteran, and the VA is responsible for that educational debt, and I should have no late payments. And again, I have submitted evidence showing that I am a veteran, and the loan is fully forgiven. And the university received full payment for the said time frame of the 90-day delinquent account via XXXX XXXX XXXX XXXX XXXX. Now lets tackle the latter of my complaint Professional Debt Mediation. 

The landlord should have taken me, the tenant, to court ( never happened ), provided evidence of lease default and the amounts due per the terms of the lease, which never occurred and was never litigated in a court of law. Additionally, what upsets me the most they were able to call your organization legally have you add this unmitigated and non-litigated accusation of debt delinquency, and I had to suffer for now seven ( 7 ) years, worrying about putting a roof over my head, in fear of denial of residency because they didnt go through the proper legal means to prove their accusation of a delinquent account - and if the claim is valid the court will award the landlord a " judgement '' for the amounts owed ( which will include court costs etc. ) which said judgement would be reflected on my credit under the judgements tab. The Department of Veterans Affairs offered to pay them the delinquent rental payments via their HUD/XXXX program. But Manager XXXX demanded cash from the agency. And this resulted in the VA rescinding its offer. For that reason, it's not organizational policy to pay outlays in cash. Second, her demands appeared sketchy and suspect. Had they accepted the VA 's offer to resolve this issue. This situation could have been avoided on all fronts. The only one that lost here was me the veteran. I ended up homeless and without employment. 

In South Carolina, a landlord generally has four years to sue a tenant for back rent if the rental agreement was in writing, or two years if it was oral, according to South Carolina landlord-tenant law. This is known as the statute of limitations, which defines the period within which a lawsuit can be filed. 

Elaboration : As it pertains to a written lease agreement, if the initial lease agreement was written, even if it later transitioned to a month-to-month basis, the four-year statute of limitations applies. 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I am requesting that your organization acknowledge XXXX XXXX  removal of said delinquent collection account from my credit report. I am not responsible for when the originating creditor reported it to you. And while we are on the subject. If the original report date is so important, why would the originating creditor wait an entire year to report said delinquency to your agency, after already reporting it to XXXX? 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit for the purchase of my first home. I would appreciate a copy of my credit report once this issue is resolved. I have been disputing this negative impact on my credit report since XXXX, when I couldnt be approved for several rental properties when I accepted my employment offer from the XXXX XXXX XXXX, hereinafter, XXXX which resulted in my dismissal from my employer. 

I cant upload documents to your website because I am disputing an account. Now I am forced to spend {$30.00} to {$50.00} via certified mail when, with just a few clicks, I can have the evidence and proof you need to make a rational judgment on the validity of the account, in a matter of minutes. I have done most of the work for you. And I have to spend money, I dont have to provide you guys with evidence to back my claim. But you didnt need evidence from Professional Debt Mediation to ruin my credit. I provided your organization with sufficient evidence on several occasions. And somehow, I am still fighting to get this data updated on my credit report. And you are expecting me to use snail mail, which can take a substantial amount of time to reach your facility and then to be properly sorted and distributed to the responding body, and when it's all said and done, still have this account remain on my credit report. I beg to differ. This major purchase for me is important. I busted my XXXX over the past 90-days working countless hours of overtime to pay off those creditors that I am responsible for and too still have a seven year account still hold me back via an underwriter expressing concern of the account is unfathomable to me. Its like you're saying all my efforts to make this purchase a reality have been thwarted due to a technicality of when the account was originally reported to your agency. When the first agency, XXXXXXXX, was reported to have had it for the past seven years, and had deleted it from my account on or about XX/XX/XXXX. So, can we properly take care of this at once?? I am on a sensitive timeline. And I need some real support.

Company response to consumer: Closed with explanation