Professional Credit Analysts of MN, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
07/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02740	Web
HI PROFESSIONAL CREDIT ANALYTS ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
05/01/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30082	Web	Servicemember
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. PROFESSIONAL CREDIT Last reported XX/XX/2020 {$2400.00} in a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 3. Please provide a complete account history, including any charges added for collection activity. You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
07/22/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MN 55033	Web
I joined XXXX XXXX to find out that I had a {$96.00} outstanding debt from XX/XX/2011. I disputed the amount since I did not know about it. After disputing it with both XXXX and XXXX. XXXX dropped it from my report and XXXX left it on my credit. The company in question : PROFESSIONAL CREDIT PO BOX XXXX XXXX, MN XXXX ( XXXX ) XXXX The above agency contacted me after I disputed the amount and wanted money. I told them to send me a copy of the bill and I would review it and pay if I thought it was right. I also stated I would not just send them money not knowing what it was for. I never received the statement or bill from this agency. After a month I did not recieve anything so I filed another request to XXXX to inform them that this needs to be investigated because I have received no information regarding this bill. Again they left it on my report and the same company contacted me wanting money with no documentation. I stated to them that I will not pay for this without documentation and that they need to remove it from my credit report because I have never received documentation for this bill. They stated that is not how this works. Another month has gone by and I still have not received any paperwork for this bill. They have updated XXXX and stated it is still due. Attached is the only information I have ever received which is off my credit report. Professional Credit has never sent me ANY documentation on this bill even after I have asked for it twice and told them I am disputing it.
10/04/2017	Yes	Debt collection Medical debt	Communication tactics Used obscene, profane, or other abusive language	MN 55076	Web
I received a letter from Professional Credit Analysts of Minnesota alledging that I owe a debt of XXXX to XXXX XXXX XXXX. This letter was dated XXXX/XXXX/XXXX. I decided to respond in writing as I need validation and verification for this alleged debt. Today, XXXX/XXXX/XXXX I received a call from someone who identified himself I believe as " XXXX '' I believe he said. His name was hard to catch because he was talking fast in the beginning of the call. He stated that he was calling in reference to this debt. I said " ok '' and he gave me the amount. I said " I 'll be responding in writing '' He started yelling at me, he said " We are a collection agency your writing wo n't do anything! '' I again said, " I 'll be responding in writing ''. Then he yelled again and said " So are you refusing to pay me?? '' I again said, I 'll be responding in writing, thank you for your call today. '' and I hung up. I thought that was very unprofessional the way he yelled and that he used the language " are you refusing to pay me? '' since clearly if I do owe this debt it is to the company he represents not to him personally. How can he say my writing will do nothing when the letter they personally send says things like " If you request this office in writing within 30 days after receiving this notice ... '' Completely rude and blatant harassment!
03/25/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MN 55025	Web
This complaint stems from a debt that I have contacted this company to settle the debt for a lesser amount than original. The company in question is Professional Credit Analist-Minnesota, XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ( XXXX ) XXXX. I contacted XXXX and we had come to an agreement after several calls on or about XX/XX/ thru XX/XX/2019 to settle from {$2100.00} down to {$1400.00}. I borrowed money from XXXX XXXX XXXX XXXX to repay this debt and then I asked for a balance sheet and address for my Credit Union to remit the check. The Manager ( XXXX ) at Professional Credit Analist-Minnesota would not send any paper work to either myself or the Credit Union so we had a document stating what we agreed to pay for settlement. The Credit Union Manager tried repeatedly to contact the Manager ( XXXX ) and did not receive a call back. The Credit Union would not remit payment for agreed amount with out the statement. I did not feel comfortable paying this company without assurance that this would complete. I feel it is his responsibility to give me an agreement sheet and he did not. I did my best to resolve this issue and it is still affecting my credit score and my life. This has been in limbo for more than a year and I need some assistance please. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Mn. XXXX
10/16/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60477	Web
For over a year now ( XX/XX/XXXX XXXX, I've been requesting, on multiple occasions, via certified letter, USPS, that Professional Credit Analysts of MN send me proof of validation of multiple debts they are reporting on my credit reports. As of today XX/XX/XXXX, they have failed to furnish any signed contracts or any of the other docs requested. In addition, the first time I've even heard of this company was when I pulled my credit report last year and saw a number of accounts. I NEVER received any initial communication from Professional Credit Analysts alerting me to any of these alleged debts, and not letting me exercise my right to dispute. By refusing and failing to provide me validation for over a year, and not sending an initial communication letter, they have proven they're intent on defaming my character by reporting erroneous items on my credit report. Not only that, but based on what's on my reports, they are reporting wrong information, and on top of that,, reporting a number of different dates across all 3 bureaus, it appears they are attempting to re-age these debts.
01/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55447	Web
I received a letter from Professional Credit Analysts of Minnesota ( PCA ). The letter tells me that I have failed to make arrangements on Acct # XXXX for XXXX XXXX XXXX with a balance of {$950.00}. The letter asks me if I would agree to a voluntary wage assignment. I have no accounts with XXXX XXXX XXXX XXXX XXXX MN. I asked what the loan was for and proof of my signature. They told me they would have to " request '' this information. PCA said that my SSN and birthdate were on this loan. I have asked them for proof of the loan and proof of my signature on this loan. What if someone received this letter and didn't know their rights? They'd automatically pay this. Who does this to someone? When I got off the phone with PCA I called XXXX XXXX XXXX XXXX XXXX MN and they told me they have no accounts for " XXXX XXXX. '' How did my name, SSN and birthday get attached to this loan and why is PCA saying I owe this money and asking me to agree to a voluntary wage assignment?
12/19/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MN 55369	Web
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. also please remove these account from all three of the major reporting agancies ASAP IN WHICH THESE ACCOUNT ARE SHOWING ON MY CREDIT REPORTS please remove the two accounts froms my credit report! Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor
10/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web
In XX/XX/2018, I filed a complaint with this organization regarding Professional Credit Analysts of MN , Inc. My complaint ( XXXX ) centered around the fact that they placed a collection on my account, and never responded to my letters ( XX/XX/XXXX and XX/XX/2018 ) regarding my request to validate the debt. To date, they still haven't provided any information that validates this debt as mine, yet they continue to have this collection on my account. As of XX/XX/2018, I have confirmed via XXXX, that this company isn't even registered to do business in the State of Florida. They don't have an office nor a registered agent in the state. So they are not only filing erroneous collections, but they are also acting illegally by not being registered with the state of Florida as a debt collector.
09/08/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ME 039XX	Web
Received electronic notification from credit monitoring service of new derogatory entrants to my credit reports. In all, 11 accounts reported to my XXXX, 5 to XXXX, 5 to XXXX. The accounts are for {$100.00} a piece, all share the same account number with each individual entrant listed as Acct # XXXX, XXXX, XXXX, etc. No communications were mailed to my address. Upon calling the debt collector listed, was told I better pay all outstanding balances immediately before " we XXXX XXXX your credit score even more. '' My credit scores have gone down over 60 points across the board. This collector is entering false information into reports first, then using it as blackmail to prevent further credit damage. I have zero accounts for any of the amounts listed.
12/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 79423	Web	Servicemember
I had discovered XX/XX/2018 that an account was charged off and sent to collections. I reached out to the account holder directly and was re directed to the collection agency. I spoke with an individual and had expressed interest in resolving the matter, and he had indicated that he was seeing another account that was removed by the credit agencies and remarked with a " do not list '' from the credit agency. I asked for a copy of that letter and was denied. the representative had also stated that as long as I keep to the current arrangement then he would not re list the other account. I have attempted to contact this agency to discuss the matter but have not been able to reach them for comment.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33027	Web	Older American
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX. On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. The sale was made to a party in XXXX XXXX, FL, and not to me personally. The collection Agencies have not responded, nor has the collection Agency. This is adversely effecting my Credit Score. I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
11/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 22191	Web
On XX/XX/2021, PROFESSIONAL CREDIT ANALYTS added a derogatory on my credit per XXXX. Upon further research this account was transferred/ sold and I'm no longer responsible for this account. Debtor 's collectors did not verify this collection. Also there was NO written communication, contract or signature for this account at all. A bill without a signature does not validate a debt and anybody can send a bill and say it's mine. According to the FCRA, PROFESSIONAL CREDIT ANALYTS has violated my rights and I'm requesting legal action to remove account immediately.
12/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 560XX	Web
I just received a response from Professional Credit Analysts. They are refusing to remove a item from my credit file and outwardly being rude to me. I feel a investigation should be done on this company. They Stated that they provided all information I asked on them through PDF files. They did not. Bill of sale or some type of chain of title. I feel I am under no contractual obligation to this company. There is no contract. They need to show me the contract. This company I am very leary of. I really wish for the CFPB to look into this company further.
04/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93274	Web
From or around XXXX thru XXXX my identity has been used by others who lived with me or family members that didn't live with me but knew my information, they used my personal info to receive credit, loans, items under my name. They used my computer, internet, phone, address, personal documents. They had access to all of this because I kept my files in my home fully accessible. I did not monitor my credit report on a timely basis, however some credit issues are just appearing that are dated years back. I'm being haunted with all these issues now.
04/27/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Older American, Servicemember
I was seen in the Emergency Room in Minnesota while I was visiting my great grandkids out there. I was very sick and they took films, cost {$450.00}. I was covered by XXXX at the time. I gave them my card before I was seen. I contacted XXXX when I returned to California. I gave them the account number of the bill, date, and mailing address. They said they would pay it, but they did not. Subsequent calls from their collection agency were answered and they seemed satisfied, but then I find this issue on my credit report.
12/13/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11368	Web
XX/XX/2016 : The collection by name of Professional Credit Services, a company in Minnesota, for an amount of {$2000.00} was reported to my XXXX credit report. I have never known this company, never received any communication from them, never lived in Minnesota. I tried to dispute with XXXX when i tried to get my first car, they said it meets requirement and no other information and closed the dispute. This is so frustrating. Seems like they can just make debt out of thin air and targets specifically immigrants.
09/19/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MN 560XX	Web
XXXX XXXX XXXX XXXX bought XXXX from XXXX XXXX. They bought and forgave all unpaid debt when they incurred the company. I have a letter of forgiveness from XXXX stating I do not owe any dollar amount to the school. And they the debt has been forgiven. Also I filed bankruptcy in 2017 in which this item was included and the company refused to acknowledge or comply with the guidelines or results of the bankruptcy. At the time in 2017 I did not know XXXX had bought XXXX, so I included it in the bankruptcy.
12/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 560XX	Web
Professional Credit Anyalysis is trying to collect a debt I have no knowledge of. Im not asking for validation and I just want these people of my credit report. I also find it odd that the original creditor reports as another collection agency called XXXX XXXX and would like the Consumer Financial Bureau to investigate this. Also another odd thing is I have searched there address and it is a abandoned building. From what I search on XXXX.
04/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 44685	Web
Two collection accounts appeared on my credit report from Professional credit analyst with the date of XX/XX/2018. The collection account belongs to XXXX XXXX XXXX. I have no knowledge of this account. After attempting to get the debt validated by the collection agency with no success, I have filed a complaint with the XXXX and consumerfinance.gov in hopes to get these collections removed.
10/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ME 039XX	Web
i have had a collection agency, " XXXX XXXX XXXX '', who has misrepresented my debt. Originally the three debts appeared as roughly {$800.00}, {$900.00}, and {$600.00}, but now they have combined the three into one for {$2400.00}, yet left the three uncombined on my report as well. This is illegal and i demand all be removed.
11/03/2017	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
I recently applied for a mortgage and there was a judgement recently added to my credit report on XXXX XXXX,2017 and I did not know I even owed a debt I believe this is a fraudulent account and I was not able to ask the creditor for the validity of the debt because they sent the notice to some unknown address.
12/18/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 34714	Web
Placed for collection on XX/XX/2015 for {$1100.00}. No actions by me but the company is reporting to the credit bureau and trying to collect a debt from me. They are not licensed in the state of Florida to do so. I do n't owe this company I do n't have anything to do with them.
02/10/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 56001	Web
I opened my credit report and found this collection PROFESSIONAL CREDIT ANALYSTS, which I was never notified of, it is an account that is reported without validating and I am being affected in my credit, they can not report an account without notifying me.
10/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	UT XXXXX	Web
I sent over a validation of debt request back on XX/XX/2022 and I have never received in insight back on Account # Professional CR Analys-Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I will send copy of tracking and letter requesting information.
04/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30341	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any invention result
01/22/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MT 59803	Web

03/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33592	Web

02/22/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 56001	Web

01/03/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78753	Web

09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 10470	Web

07/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75043	Web

04/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MN 55379	Web

02/08/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AL 35555	Web

12/02/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33351	Web

08/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else		Phone

07/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07203	Fax

10/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91761	Web

09/19/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89052	Web	Servicemember

06/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44105	Web	Servicemember

06/12/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44105	Web

08/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64130	Web

07/31/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web	Servicemember

07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web

07/16/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web	Servicemember

04/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45426	Web

02/14/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34787	Web

10/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70001	Web

10/20/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	ME 03908	Web

03/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	MN 55016	Web

03/08/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IA 50263	Web

01/19/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MN 55014	Referral