Consumer complaint received 2025-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Collectors Corp.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Debt Validation & Cease and Desist Request To Whom It May Concern, I am formally requesting validation of the alleged debt that your agency claims I owe, pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). I do not recognize this debt, nor have I ever agreed to any contract, terms, or payments with your agency. If you believe this debt is valid, you are required to provide the following documentation : Proof of the Debt An itemized bill, original signed agreement between myself and the your agency as the creditor, and bookkeeping entries that support the alleged amount per Generally Accepted Accounting Principles ( GAAP ). 

Legal Standing to Collect A forward flow agreement proving your legal authority to collect this debt and documentation showing the chain of custody from the original creditor. 

My Explicit Consent A wet-ink signature agreement proving that I have legally authorized any transactions related to this alleged debt. 

Additionally, under the newly established Consumer Financial Protection Bureau ( CFPB ) regulations, the following protections apply : Medical Debt Protections : Lenders are prohibited from considering medical information in lending decisions, including medical devices that could be used as collateral. 

Consumer reporting agencies are banned from including medical bills on credit reports to prevent coercive collection tactics. 

Furthermore, per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act - GLBA ) and 15 U.S.C. 1681b ( Fair Credit Reporting Act - FCRA ) : A third-party debt collector can not access or obtain my credit information without a " permissible purpose. '' If my personal data was sold, accessed, or shared without my explicit consent, you may be in violation of federal law.

I demand proof that you legally obtained any credit information about me. If this was done unlawfully, you must immediately delete all related records.

Demand for Immediate Action In accordance with 15 U.S.C. 1681 ( n ), 15 U.S.C. 6802, and 15 U.S.C. 1692, this letter serves as : A Formal Arbitration Demand You must cease all collection efforts and remove any negative entries from XXXX XXXX XXXX XXXX.

A Cease and Desist Notice I revoke any implied consent to be contacted regarding this matter. Under 15 U.S.C. 1692c ( c ), you are prohibited from contacting me further, except to provide written proof of the debt or notify me of case closure.

A Dispute Notification If you can not validate this debt in its entirety, you must delete the reporting of this account from all credit bureaus immediately.

Failure to comply may result in legal action for violations of federal law, including but not limited to unauthorized access to personal data, failure to validate a disputed debt, and unlawful collection practices.

You have 30 days from receipt of this letter to respond with complete and verifiable documentation. If you fail to provide sufficient evidence, you must immediately remove any negative reporting related to this debt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation