Consumer complaint received 2025-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate reporting by Professional Debt Mediation ( The XXXX ) on my credit report. I am requesting written proof of this account and all debt that is listed in my credit report. I have previously disputed this debt, this account, and any knowledge of this collection agency, yet the creditor continues to report the account as This reporting is inaccurate and misleading. I request the contracts with my signature for said debt, all documents pertaining to the details of said debt, documents showing when/where there were attempts made to resolve this debt prior to it being sent to collections and place on my credit report, and public records. The amount listed in my credit report in collections is {$7200.00}. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) & ( b ), furnishers of information are required to provide accurate information to consumer reporting agencies and to correct or delete information they know or should know is inaccurate. By continuing to report this account incorrectly, Professional Debt Mediation ( XXXX XXXXXXXX ) is in violation of these provisions. 

Additionally, I previously disputed this account, collections, debt and yet the information remains incorrect. This constitutes a failure to conduct a reasonable investigation under the FCRA, 15 U.S.C. 1681i. 

I am requesting that the CFPB require Professional Debt Mediation ( XXXX XXXX ) to : 1. Accurately update the account to reflect its correct status as closed ; 2. Remove any inaccurate delinquency or status information being reported ; 3. Ensure full compliance with the FCRA in the handling of consumer disputes.

Key Laws to Mention FCRA, 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate. 
FCRA, 15 U.S.C. 1681s-2 ( b ) : After a consumer disputes information, furnishers must investigate and correct inaccuracies.

FCRA, 15 U.S.C. 1681i : Credit reporting agencies must conduct a reasonable reinvestigation when a consumer disputes accuracy. 
I am filing a complaint regarding Professional Debt Mediation ( XXXX  XXXX ) for improper collection and reporting of a debt. 

A collection account was placed on my credit report and public records under account number [ last 4 digits or reference number ]. I was never contacted or provided notice of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), which requires a debt collector to send written notice within 5 days of the initial communication. 

After discovering the account on my credit report, I submitted a written request for debt validation on [ date ]. To this day, I have not received any proof of the debt or verification as required by 15 U.S.C. 1692g ( b ). Despite this, the collector continues to report the account to credit bureaus and in public records. 

Reporting a debt without providing validation upon request is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishers from reporting information they know or should know is inaccurate.

1. Provide proper validation of the alleged debt ; or 2. Remove the account entirely from my credit report and public records ; and 3. Ensure compliance with the FDCPA and FCRA in future reporting. 



Key Laws to Reference FDCPA ( Fair Debt Collection Practices Act ) : 15 U.S.C. 1692g ( a ) : Debt collectors must send written notice within 5 days of initial contact.

15 U.S.C. 1692g ( b ) : Debt collectors must cease collection until they provide verification if the consumer disputes or requests proof.

FCRA ( Fair Credit Reporting Act ) : 15 U.S.C. 1681s-2 ( a ) : Furnishers must not report information they know ( or should know ) is inaccurate.

15 U.S.C. 1681s-2 ( b ) : After a dispute, furnishers must investigate and correct inaccuracies.

Company response to consumer: Closed with explanation