Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Professional Debt Mediation is reporting a fraudulent debt amount of {$12000.00} to both XXXX XXXX XXXX  credit bureaus when the actual court judgment is only {$2100.00}, an illegal inflation of {$10000.00} ( 468 % over the legal amount ). 
I have disputed both credit bureaus, advising this is fraud, but the account was NOT removed. This fraudulent reporting is causing me severe harm through repeated housing denials. 
Additionally, the underlying judgment was obtained through an illegal eviction during the CDC 's federal eviction moratorium, making the entire debt void. Im currently in the process of filing a Motion with the courts to remove the eviction. 

Professional Debt Mediation is reporting an amount that is FOUR AND A HALF TIMES the court ordered judgment with absolutely no legal basis. Professional Debt Mediation 's claim of {$12000.00} is IMPOSSIBLE under Florida law. 

1. Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692e ( 2 ) ( A ) - False representation of debt amount.

They are claiming {$12000.00} when court judgment is {$2100.00}.

This is a blatant false representation of the character and amount of debt.

15 USC 1692f - Unfair practices Attempting to collect {$10000.00} not authorized by any court judgment.

Collecting amounts not permitted by law.

15 USC 1692e ( 10 ) - False or deceptive means Using massive inflation to coerce payment.

Creating false impression of legal obligation. 

Federal Eviction Moratorium Violation The judgment was obtained during the CDC 's federal eviction moratorium : XXXX Order : 85 FR 55292 ( Section 361 of Public Health Service Act ) Moratorium Period : XX/XX/XXXX - XX/XX/XXXX This Eviction Filed : XX/XX/XXXX ( DURING moratorium ) The XXXX Order explicitly stated : " a landlord ... shall not evict any covered person from any residential property. '' I Qualified for XXXX Protection I was a " covered person '' under the XXXX Order because : 1. My income was under {$99000.00}.

2. I experienced substantial loss of household income ( hours reduced to part-time ).

3. I worked for a non-essential business affected by COVID-19.

4. I was unable to pay full rent due to COVID-19 circumstances.

5. Eviction rendered me homeless ( which occurred ).

The eviction proceeding violated federal law. The resulting judgment is VOID.

Legal Implications Any debt arising from a void judgment is legally unenforceable : The eviction should not have occurred. 
The judgment has no legal basis.

Professional Debt Mediation has NO RIGHT to collect.

All credit reporting based on this void judgment is fraudulent.

The account was VERIFIED and NOT REMOVED. 
My credit report shows : " Account information disputed by consumer '' ( appears twice ) This proves : 1. I have disputed this multiple times 2. Credit bureaus notified Professional Debt Mediation 3. Professional Debt Mediation either : o Provided no documentation o Provided false documentation o Claimed the fraudulent amount is " accurate '' 4. Credit bureaus failed to properly investigate This is a systemic failure of the credit reporting system.

Company response to consumer: Closed with explanation