Professional Credit Management, Inc CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/17/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 72116	Web
I do not have an " open account '' with the creditor they represent, XXXX XXXX, formerly XXXX XXXX. Using the common definition of an " open account '' as one not being closed and active, or the legal, banking definition of an " open account '', a revolving account, such as a loan/credit card, this agency is communicating to me false, deceptive, and misleading information. Under the FDCPA, reporting to the credit bureaus is a communication to me, the consumer. XXXX v. XXXX XXXX , XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX ) ( " Reporting to credit bureaus is a communication within the FDCPA ) ) Banks v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX, XXXX ) ( " rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) ( " The court has learned through its work on countless FDCPA cases that threatening to report and reporting debts to CRAs is XXXX of the most commonly-used arrows in the debt collector 's quiver '' ) ) Professional Credit Management alleges and communicates to me, via my credit reports, that I made a " last payment '' to their client on XXXX XXXX, XXXX, although they do not state the payment amount ( see attachment ). Along with having no " open account '' with either bank, nor have I ever made the alleged payment which PCM is illegally reporting and communicating to me via my credit reports. This agency has been reporting against me for over two years, and has refused to remove their illegal reporting. I recently filed a complaint with your agency, because I owe no money to the bank which PCM alleges. PCM only respond with their own internal document that stated nothing more than I owe what they claim, yet provided no actual independent admissible, in a court of law, proof. The did not state the name of the party verifying the information. This agency is a repeat violator of the FDCPA against me, and even paid a settlement to me two years ago, for their violations against me. They claimed I owed another debt which I clearly did not owe. They could provide no proof of the debt, and even illegally disclosed to a third party that another party owed a debt. Myself and this other party were forced to retain counsel ( XXXX XXXX, XXXX ). It was only after an attorney forced them to comply with the law, did they finally comply with the law. Currently, they have violated the FCRA and FDCPA for over two years against me, with its current illegal reporting. I respectfully ask that your agency demand that PCM provide to you proof of the alleged payment made on this alleged account on the date PCM claims I made such payment. PCM 's conduct, as it did two years ago against me, violates the FDCPA, FCRA, the Arkansas Fair Debt Collection Practices Act, and the Arkansas Deceptive Trade Practices Act. Their conduct is also perilously close to civil RICO violations, as they have been put on notice numerous times their conduct is illegal, yet they continue to target me. I can only assume it 's in retaliation for bringing them to justice the last time they violated the law against me. A literally false statement violates the FDCPA as a matter of law. See, XXXX v. XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ). PCM 's statements on my credit reports are false, and this violates the law. PCM 's disagreement with the law does not trump the law. This is a repeat FDCPA violator, and if they dispute this, I can provide your agency with proof of their prior violations and proof they were forced to pay FDCPA damages. In approx. two weeks I am filing a private action against PCM and XXXX XXXX, which I will forward to you also. I can also provide to you contact information of others PCM was forced to pay FDCPA settlements for clear violations of the Act.
03/02/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 716XX	Web
On XX/XX/XXXX I pull my credit report and found out that PROFESSIONAL CREDIT MANAGEMENT/ ORIGINAL CREDITOR : XXXX XXXX / ACCOUNT # XXXX & XXXX they said I owed them. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt ( I have attach of copy of that letter ). The PROFESSIONAL CREDIT MANAGEMENT has the following non-compliance violations : 1 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 2 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 3 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, XXXX XXXX, No. XXXX, XXXX XXXX XXXX XXXX. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 4 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 5 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre, .6 ) Last and not least I am not committing to pay this debt. I ask them to validate by answering the following questions and provide documents. They answer none of this : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. ______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : Provide the name and address of the bonding agent for PROFESSIONAL CREDIT MANAGEMENT, in case legal action becomes necessary:7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.XXXX ( XXXX. XXXX XXXX, XXXX ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately. I hereby reserve my right to take private civil action against you to recover damages.
10/07/2020	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 Their investigation did not fix an error on your report	AR 72034	Web
When I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus. The bureaus advised that Professional Credit had verified the account. To that end, I communicated in writing to Professional Credit. Professional Credit had indeed inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. My credit reports reflect Professional Credit opened the account in XX/XX/XXXX and began reporting in XX/XX/XXXX. This is illegal p er Affordable Care Act ( ACA ). Per ACA, medical bills are not to be reported before six months. ( See credit reports attached where they blatantly violated this law. Additionally, I received no correspondence from them advising me that they were attempting to collect a debt thus granting me my consumer right to dispute the validity of their claim -- -- another blatant violation. In my first letter to Professional Credit, I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. Professional Credit provided a response ( see attached ), that in no form, validated the inaccurate information they continue to report. This letter is a mere stall tactic. In response to this stall tactic letter, I responded in writing ( see attached ), requesting Professional Credit to provide the financial responsibility page for this alleged debt. To date, I have not received a response. Professional Credit has yet to respond. If they are indeed alleging I owe this debt, then they should have a copy of the financial responsibility page. Both of my disputes to Professional Credit have been very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. As you can see XXXX does not reflect the account being in dispute. Another violation. Professional Credit did not provide any documents that bore my signature nor did they provide the original delinquency date nor a complete accounting of the alleged debt. Professional Credit must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for an alleged medical bill, why did they not provide a copy of the ledger to reflect any payments on this alleged account? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
04/21/2021	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	AR 72401	Web
Professional Credit Management continues to blatantly report inaccurate, unverifiable entry ( s ) on my credit reports ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX XXXX. The entry on my reports reflect that Professional Credit reported this entry in XX/XX/2020 on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Professional Credit ( see attached ). To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entries they are continuing to negligently report. This company has had over 6 months to respond to me, yet they have not. In my first dispute letter to them, I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release my medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the XXXX provides a collection company must wait 6 months. Professional Credit Management did not and to date has not provided a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. It is obvious that Professional Credit Management has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, and remove this entry from my credit report immediately. Lastly, why are they continuing to report a paid account? This is misleading and yet another inaccuracy of this company. If the debt is paid, why are they continuing to report this information as if they are collecting on it? This is further diminishing my creditworthiness.
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38017	Web	Servicemember
This complaint is regarding an account that was added to my credit report ( all 3 bureaus ) on or about XX/XX/XXXX. Company name XXXX XXXX. As a victim of identify theft, I followed the procedures by promptly filing a dispute with all three credit bureaus, as well as sending a debt validation letter directly to XXXX XXXX requesting validation of the debt. I received no response. On or about XX/XX/XXXX, the collection was deleted from my credit reports. On today, XX/XX/XXXX, I received an alert from XXXX that my credit score had dropped XXXX points. To my dismay, the collection account XXXX XXXX had been re-added to my credit report. I thought that once removed, debt could not be re-added. I immediately contacted XXXX to inquire about this, and was told that they only report what the company tells them to, but that I could dispute the item again with them, and also directly to the company. I filed another dispute. I have in my possession a police report & identity theft report. I also added a fraud alert and credit freeze to my credit file, when I realized my identity had been used fraudulently. XXXX has copies of these reports. This collection does not belong to me. I have no knowledge of this company nor the company from which they purchased the debt. ( I was told today by XXXX the debt was originally from XXXX XXXX XXXX XXXX ). I have never had an account or affiliation with XXXX XXXX. I am requesting that this company be investigated, and that the collection be promptly removed from my credit report ( XXXX ), and this company permanently blocked from future reporting as this has been a complete nightmare for me and my family, and has taken a tremendous toll on me XXXX, and also taken a lot of time and effort to attempt to resolve. It has also caused me stress and frustration. I am filing this complaint for assistance with this matter, as I am at my wits end. My next step is to contact my Attorney General to report the matter, with the hope that it can end and my credit report be restored to reflect accurate information. Additionally, there is another inaccurate collection reporting to my XXXX credit file. Professional Credit Management. I have disputed this account multiple times since XXXX as a result of identity theft. I was successful at getting the item removed from both XXXX and XXXX, but not XXXX. Recently, I attempted to dispute it again ( XX/XX/XXXX ) with XXXX, but was told that since it has been disputed numerous times, I could not file a dispute with the credit bureau, only the debt collector directly. I contacted Professional Credit Management by mail in XX/XX/XXXX, requesting validation of the debt, but received a letter stating that they have sent me information regarding the debt in the past, and that they will no longer send further information. I have never received a phone call or any correspondence from this company, and have no knowledge of this debt. As a consumer, I feel that all XXXX credit reports should reflect both accurate and consistent information. With this collection on my XXXX report, that is not the case.
10/21/2021	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	AR 72404	Web
Professional Credit Management continues to blatantly report inaccurate, unverifiable entries on my credit reports ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The entry on my reports reflect that Professional Credit reported this entry on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries by disputing in writing to them and the credit bureaus. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Professional Credit. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entries they are continuing to negligently report. I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release the alleged medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the ACA provides a collection company must wait 6 months. Professional Credit Management did not prove they met this requirement and to date has not furnished a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. It is obvious that Professional Credit Management has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, remove this entry from my credit report immediately. This erroneous, inaccurate reporting is misleading and is further diminishing my creditworthiness.
12/01/2016	Yes	Debt collection Medical	Disclosure verification of debt Right to dispute notice not received	AR 72450	Web
I never received a single bill from this company ( Professional Credit Management ), nor did I receive a voicemail message from this company that identified themselves, made a claim upon the debt, and asked for a return phone call in accordance with 15 U.S.C. $ {$1600.00}, or to otherwise notify me that I had a debt with this company and/or to make or set up payment arrangements. Then, i received a summons and complaint in the district court, to sue me for the balance owed from their attorney XXXX XXXX XXXX. This was the first communication I received from this company, which is also a violation of FDCPA 15 USC $ {$1600.00}. I filed a response in the district court, including objections and a brief citing Arkansas Supreme Court ruling on the matter, interest and attorneys fees, in which this company filed arguments that directly contradicted the FDCPA, in which under $ section XXXX, a debt collector under FDCPA is not entitled to attorneys fees or interest other than provided from in the original contract, to which this company was seeking above both allowed by Arkansas and federal law.. This company and/or their lawyer cited Arkansas law regarding " prejudgment interest and fees '', however, it neglected to accept that the original contract and debt provided for " no interest '' and " no fees '', which the company suing me was in violation of the Federal Debt and Collections Practices Act. I filed motion to produce documents and interrogatory response regarding this matter, in which legal counsel of this company refused to provide, and in which this is also a debt collection agency, which is also owned by the attorney, which is also a violation of the due process clause of the Constitution and the view of a judicial hearing in which when a claim is made, a defendant is entitled to " through due process '' adverse evidence and/or interrogatory response and production of documents, to which the plaintiff ( in this case XXXX and XXXX XXXX XXXX ) are required to provide. All of these are direct violations of the FDCPA, in which : a. ) I never received a bill or communication from the company, in which the first thing I received was a complaint to sue me, b. ) the company ( PCM ) and their attorney was seeking attorneys fees in violation of the FDCPA. c. ) The company PCM and their attorney was seeking interest above the contract and state law and federal law under 15 U.S.C. $ {$1600.00}, which is another violation of the federal debt and collection practices act. In which this matter needs to be investigated as unethical and violations of the FDCPA have occurred in this matter, then there is no telling how many other violations of citizens rights, that this company and their lawyer have committed. Whereas if it has happened once, then it is probably a regular occuring violation, which takes advantage of the consumer.
11/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38018	Web
1.I have never had an account with this company PROFESSIONAL CREDIT, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are PROFESSIONAL CREDIT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
06/22/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web
Back on XXXX I sent out a certified letter requesting validation this was never answered. XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX PCM To Whom It May Concern : Be advised this is an attempt to get a Validation of Debt Request Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt that you say I owe PCM. I am requesting proof that there was indeed a contractual agreement between XXXX XXXX and PCM signed and dated with both my signature and PCM signature on it, stating that I agreed to pay this debt to your company. If this said to be true that PCM claims, I am also requesting the beginning and ending of services that I rendered from PCM with my signature and again PCM XXXXAgent signature on it. Also, last but not least if PCM can show me Proven Documentation of their company practices are not using EXTRA TACTICS, MISLEADING - INVALIDATION of INFORMATION to the three major Credit Bureaus and no type of UNJUST ENRICHMENT within the company for gain off my personal information that was retain without my consent. Im respectfully requesting that your offices provide me with competent evidence of Court Documents showing proof that I have any legal obligation. At this time I will also inform you that if your offices have or continue to report Invalidated/ misleading information to any of the three major credit bureaus ( XXXX XXXX XXXX , XXXX XXXX ), I will move Rapidly to other steps legally. These actions constitute fraud and Identity theft under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company, again I will not hesitate in bringing legal action against you and your company for the following : Violation of the Fair Debt Collection Practices Act Defamation of Character Identity Theft XXXX___ [ Signature of Affiant ] Subscribed and sworn to before me, this XXXX day of XX/XX/2020. NOTARY SEAL _______________________________________________________ [ Signature of Notary ] ___________________________________________________________ [ Print name of the Notary ] NOTARY PUBLIC My commission expires : XXXX, 2020
09/01/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38135	Web	Older American, Servicemember
First, I am a XXXX Veteran. While in the care of the XXXX XXXXXXXX XXXX in XXXX TN for XXXX XXXX, they required me to perform XXXX on XXXX XXXX XXXX at XXXX XXXX in XXXX TN. The imaging was approved by the XXXX XXXX XXXX XXXX for payment thru the XXXX. The XXXX XXXX would not have performed the test without prior authorization from the XXXX as I had several other tests performed there and was refused treatment because they did not have prior authorization. I would also add that this XXXX approved test was during the heightened time of the COVID pandemic, when businesses were struggling with employee staffing. Also during this time the XXXX was transitioning from XXXX to the XXXX XXXX XXXX to process their billing. When I received a medical bill from XXXX XXXX for {$390.00}, I contacted the the XXXX XXXXXXXX XXXX in XXXX to take care of the bill. The XXXX XXXXXXXX XXXX XXXX representative said they would contact XXXX XXXX to get it paid. 5 or 6months went by until I received a notice that the bill would be sent to collection. I immediately contacted the XXXX again and was placed on a conference call between the XXXX representative and the Professional Credit Management agent. Again, the XXXX representative approved the bill for payment. However, It was not paid again because the XXXX claimed that XXXX XXXX failed to submit the bill to the correct XXXX billing agency, then XXXX, and because the bill was now over six months old and that this is the XXXX 's internal policy. In addition, the XXXX representative told me that XXXX XXXX would " write off '' the bill due to their error. This medical bill is the direct result of negligence on the part of XXXX XXXX, XXXX, XXXX, and the XXXX for failure to work together, communicate, process, and close out a medical bill the XXXX originally approved to pay, and by no means failure on my part by my many attempts to get each agency involved to work together and handle this medical bill professionally. In this case, the consumer has been wrongfully held responsible and other agencies have neglected to function together on the behalf of the customer.
02/18/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72204	Web	Servicemember
I recieved a letter regarding an alleged debt from PCM mangement ( XXXX XXXX XXXX XXXX, XXXX, AR XXXX ). I sent them a certified letter on XX/XX/2020 regarding them having unauthorized access to my medical information. Specifically i attached this language in the letter : " Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. " I am very concerned about a 3rd party having access to my medical information without my consent. They have refused to respond to my request for validation.
05/25/2020	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 Their investigation did not fix an error on your report	AR 72204	Web
Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Professional Credit XXXX, XXXX XXXX XXXX ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX XXXX XXXX and but yet are appearing on my report to this day. In addition XXXX XXXX XXXX XXXX has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
02/01/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70785	Web
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file.
06/25/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72762	Web
i was going to a XXXX, that was located in XXXX in XXXX, Ar. and they were using my XXXX insurance i paid the estimated out of pocket the first date i had the treatment. couple months later, this branch had closed i didn't need anymore treatment. i had to move to another location because i had some plumbing problems at my house. so i had to move out temporary to my sister in law house. and i forwarded all my mail to the new address in XXXX since i left which was in XX/XX/2017. in XX/XX/2017. i saw a collection on my from professional XXXX XXXX that was oppened. i called them the same day and i told them that i was never notified of this and that i have money on my health spending account. and i don ; t understand why they didn't contact me or send me a letter informing so i can make the payment. they advised that if i make a full payment of the XXXX dollars. they will remove it. i paid on the phone right away. they never removed the collections from my 3 credit bureaus. i disputed the collection with each of the credit bureau. it was removed from XXXX, and XXXX. but they don't want to remove it from XXXX. i have never owed a bill to anyone and i paid religiously all my bills i disputed this collection with transunion multiple times. and they keep telling me that creditor said that it's accurate. i'm reaching out to you guys to please help me remove this from my credit score. i always paid all my bills i'm never late. i'm a young person working hard to finish my degree and success in life. this is not fair. these credit companies are treating humans like insects we all deserve to be respected and this people are extremely rude and not helpful at all. they hang up the phone on me everytime i try to call them to correct their mistake.
02/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 728XX	Web	Servicemember
I received a credit report in XX/XX/XXXX while trying to do a refi on a home. A collection is reported from Professional Credit Management for {$170.00} with XXXX and XXXX says date of report was XXXX. I called the company and inquired PCM said it was for a XXXX bill with XXXX XXXX in XXXX XXXX. I informed PCM I had never been a client there, and all my medical was done through XXXX PCM said I would have to file a police report for identity theft if it wasn't mine. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the receptionist and then billing. She searched my name, my social, my birth date and married and maiden name and I was no where in there system, she searched back to XXXX. She even called old XXXX that use to work in that office and no one had heard of me. XXXX XXXX then called PCM and informed them the data they had was not correct, and PCM couldn't provide enough information for a claim to be valid anyhow. PCM representative stated she wasn't for sure what to do since claim came from them allegedly, and XXXX XXXX informed PCM they should drop it due to lack of data and they were corroborating I did not owe them a debt. I contacted PCM again after my conversation with XXXX XXXX. And they said I would have to file a police report, yet they didn't have sufficient data and was informed by their client PCM data was obviously incorrect. PCM representative confirmed I had disputed it in XXXX yet it didn't go anywhere and was still on my credit. PCM did not follow through with an investigation and is still trying to collect a debt I do not owe, and which was validated by PCM client.
05/08/2018	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AR 72703	Web
I received notifications of bill from the hospital and they agreed to accept monthly payments. Then the hospital turned my account over to Professional Credit Management. I contacted them and they agreed I could make monthly payments. I was told I would not receive any billing statements or phone calls to attempt the debt owed. I tried to call the hospital and they had no information on the company to contact. So I patiently waited for some kind of contact or post from them. I didn't know who to pay much less where to send it. My account has a guarantor on it and at first the bill was in his name and then they put it in mine.I am covered by my parent 's insurance although I am of legal age. Initially they spoke with the guarantor, but then refused shortly there after. On or around XX/XX/XXXX and again on or around XX/XX/XXXX, and other multiple dates, attempts were made to contact them. I actually received a post in the mail of a facsimile copy of their bill marked in red " Collection '' .Even the envelope could be mistaken for " junk mail ''. Immediately I paid the account balance in full in XX/XX/XXXX. This collection marked my credit reports and I honestly believe, in good faith I was attempting to pay the debt. I understand collection agencies have policies and procedures they must follow, however my credit up to this point was impeccable. I simply ask the collection be removed from all of my credit reports. Thank You!!
06/19/2020	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 Their investigation did not fix an error on your report	MS 38637	Web
I had about 7 medical bills all with the same company for testing. After disputing some of the charges they were sent to a company called Professional Credit Management which a debt collector out of XXXX, Arkansas. I contacted this creditor on numerous occasions. I was told by several representatives that my paid accounts would be removed from my credit report but they would not remove them until they were all paid in full. Well I have paid ever single account. When I noticed the accounts were not being removed from my credit reports I contacted PCM via phone and mail. I was told that by a female representative that they would not be removing my paid accounts. When I advised her that I was told they would be removed she said the person was new and did not understand how PCM does business. The representative refused to provide me her name or reference number. She then called me a " XXXX '' and told me to " pay my XXXX bills on time next time. '' When I tried to call back to speak with a manager, PCM blocked my phone number and will not accept a call from me. When I call from another number and I tell them who I am, they place me on hold without ever picking back up. I am asking for help. I am a consumer that has been taken advantage of and treated poorly. I can provide proof of payment on all accounts and also a copy of the letter that I received from PCM in reference to deleting paid accounts.
10/05/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72450	Web
I have two collection accounts on my XXXX Credit Report that is being reported by a collection agency names Professional Credit Management in XXXX Arkansas that is reporting negatively on my credit report. I have attempted to clarify to the agency that I have never signed a contract with them to pay them any money in reference to this medical debt. I sent them a debt validation letter by certified mail requesting they validate such debt and they responded without the complete paperwork requested to validate the debt at which time I requested the remove these items from my credit file. I was met by the manager of the collection agency XXXX in a very rude and explict way informing me she and the agency would not follow the FCRA guildlines that she didnt give a XXXX about the FCRA and it will remain on my file. XXXX XXXX XXXX claims they sold the debt to them for collection and could not help so i am reaching out to you at FTC for help. This is not only showing a balance which is inaccurate information on my credit report because by FCRA guildlines anything that reports as a collection should not be showing as an open account or a balance. Will you please help me do the right thing and get these items removed from my credit file per FCRA guildlines? Thank you very much for your help solving this urgent matter... ..XXXX XXXX
08/16/2020	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 386XX	Web
Sometime in 2016, I was involved in a vehicular accident. After about two days later, my XXXX had a XXXX XXXX XXXX and my XXXX XXXX XXXX, my wife cautioned that I should get an XXXX on my XXXX XXXX and XXXX. During this time, I was still going to work as usual. I had to research where would be a good medical institution to get XXXX, since most places would be closed when I get off from work. I looked up the cost for XXXX for XXXX XXXX XXXX at the XXXX XXXX hospital website : ( XXXX - {$250.00} ) & XXXX ( {$350.00} ). After work I went to XXXX and explained to the Doctor on duty that I only have my car insurance and would like to know the cost before accepting any XXXX. She said that everything should be {$1.00}, XXXX and no more. I then agreed to sign the medical forms. I was given two XXXX, one to my XXXX and another to one of my XXXX. And was sent away after the Doctor said everything looks good. My car insurance at the time - XXXX XXXX, paid XXXX {$5000.00} which was the maximum medical payout on the car insurance. To my surprise, they sent me a bill for some XXXX XXXX XXXX more to be paid. I wrote them a letter concerning all those made up charges on my bill. Now they have on my Credit Report that I owed some {$340.00}. I am disputing this as fraud since the bill had been paid by my car insurance.
07/07/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72034	Web
Professional Credit Management continues to report a debt on my credit profile after I have disputed the account asking them to validate it is my account. They failed to validate the account with my social and my signature. They sent me an itemization showing what procedures were done at XXXX ( HIPAA violation ). I have no knowledge of the account so I asked for these pieces of information ( social and my signature ) to validate that it is actually my debt. The first letter was sentXX/XX/XXXX and the second one in XX/XX/XXXX. I have even offered to pay the amount they say I owe if they would remove it from my credit profile inXX/XX/XXXX. That request was denied. I 've included an attachment to show when this account was opened. You will also see the remarks that shows I have disputed this. The opened date of XX/XX/XXXX also puts them outside of Arkansas Statue of Limitations for Medical Collection : Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I have not paid anything towards this debt and continue to go back and forth with them over an account that is being reported outside of my state 's statue of limitations.
08/30/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 656XX	Web
According to Professional Credit Management XXXX XXXX an account was opened in my name for non payment of medical debt on XXXX XXXX XXXX. Upon first contact with Professional Credit Management I informed them that I was making payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and that no further correspondence should be made over phone. I explicitly informed them to direct any further correspondence via mail. This request was not followed and I continued to receive harassing phone calls. According to Medical Debt Relief Act of 2016 all credit reporting agencies are required " 180-day waiting period before medical debt will be reported on a consumer 's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. '' I paid off the Medical debt prior to the 180-day waiting period and yet my account shows a paid collection account. Professional Credit Management has unlawfully affected my credit score resulting in denial for health insurance on the basis of unpaid medical debt.
01/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web
Please refer to Complaint XXXX I repeatedly disputed a medical bill that I was not familiar with. The amount is {$940.00} for a XXXX XXXX. During the time of the procedure I was pregnant and covered by state healthcare. I should not have had any medical expenses. XXXX XXXX are not typically performed on XXXX XXXX. I have no reason to have had a XXXX XXXX I contacted the original creditor in which they informed me the bill belong to another patient with my same name but a different DOB. Contacted the collection agency again and was given the run around. I asked that they verify the debt. They refused. Filed CFPB complaint XXXX to help get this resolved. It came back validated once again. I then called the original creditor to get additional details. My assumption was that if the medical bill was, in fact, mine then I should be able to get my test results and medical records. I could not. It was determined again, that the bill belonged to another patient. The original creditor emailed the collection agency her findings. I am concerned about the due diligence of collections agencies, credit reporting agencies, and consumer protection agencies. For a debt to be returned " validated '' repeatedly when it was not is very concerning.
03/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38017	Web
On XX/XX/21, I noticed a collection on credit karma from Professional Credit Management Collection agency in which I did not recognize the collection company. I immediately mailed a certified letter requesting validation of the debt. In turn, Professional Credit Management collection agency sent me records detailing sensitive information about my health in which my family did not have prior knowledge violating my HIPPA rights. I did not sign nor give consent to Professional Credit Management collection agency permission to obtain my sensitive health related documents which is my right as a consumer. Professional Credit Management Collection does not have in their possession a HIPPA release document with my written signature nor have ever received a verbally consent to to release my personal health related documents from me which is punishable by law. Therefore, I am demanding Professional Credit Management Collection Agency to immediately to cease all collection efforts and to remove Account numbers XXXX and Account number XXXX from all Credit Bureaus including XXXX, XXXX, and XXXX immediately. This has provided great mental anguish and hurt to me and my family. I have provided documents to support this claim.
09/24/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72712	Web
Last year on XX/XX/XXXX I noticed my credit score decreased by XXXX point. I researched the issue and found it to be because of a {$310.00} medical bill that had gone to collections. I contacted the collection agency immediately and it was discovered they were sending notices to an old address so I never received the notices. They didn't care. I was willing to pay the bill, but wanted it off my credit report. They said no. I contacted the original hospital and the anesthesiology group. Everyone had the wrong address because the hospital neglected to update my records the day of the procedure. I provided the right address to everyone at that point, but no one would help resolve the issue. I actually have a copy of the official medical records that show I provided the hospital with a copy of my Driver 's License with the correct address. After numerous calls, I gave up last year trying to fix this. I decided to pay the bill today, XX/XX/XXXX with the credit agency because I owe the money. They said it was past the time limit to collect. I stated that I always wanted to pay the bill because I owe it. I just want it off my credit report because I never got a bill from the anesthesiology group or the credit agency.
03/10/2021	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	AR XXXXX	Web
There are ( 4 ) separate accounts with Professional Credit Management. 1. XXXX XXXX, XXXX. Acct # XXXX. {$310.00} Date of Service XXXX XX/XX/XXXX 2. XXXX XXXX XXXX Acct # XXXX. {$410.00} Date of Service : XX/XX/XXXX 3. XXXX XXXX XXXX Acct # XXXX. {$710.00} Date of Service : XX/XX/XXXX 4. XXXX XXXX # XXXX. {$130.00} Date of Service : XX/XX/XXXX On each of these dates of service I was insured through XXXX of Arkansas. POLICY #. XXXX Member ID : XXXX By her own admission, XXXX, who works in the billing office at XXXX XXXX XXXX said they are in network with all AR Medicaid providers. I was responsible for no deductible or copays under this policy. I never received bills from any of the above-listed entities. They were simply turned over to a collection agency who reports them monthly to National Credit Reporting Agencies. When you are in network with a Medicaid provider, you accept their payment as payment in full for services rendered, yet, theyre still trying to collect these debts from me and reporting these balances to national credit reporting agencies. I would like each of the above companies notified of this complaint. You only allowed ( 3 } to be listed.
11/07/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38114	Web
I pulled my credit report and noticed XXXX XXXX from Professional Credit Management. I was unfamiliar with the debt so I reached out to them to get more information. They noted some medical bills. XXXX was very old from XXXX that I don't recall. XXXX others were from during the pandemic in XXXX. I asked for an itemized statement and they sent me a collection letter with XXXX line items noting only the original creditor and amount due. I then contacted the original creditor to get additional details. The agent there said that one of the bills in question did not match my identity information she had on file. She was unable to provide much more information. I called the collection agency back and informed them that I was questioning the validity of the bill. During the time in question, I was pregnant and on state provided XXXX. I should not have been responsible for any medical bills at all. However, in talking to both the original creditor and the collection agency, neither can prove that the debt does in fact belong to me. They want to keep putting the responsibility on the other to rectify. I have disputed with the credit reporting agencies to no avail.
03/28/2017	Yes	Credit reporting	Incorrect information on credit report Account terms	AR 72401	Web
I have disputed this account with the Credit Bureaus as well as Professional Credit Management. I disputed this account with Professional Credit Management on 2 occasions and on each occasion, they were unable to provide copies of documents sent to me regarding my account and any papers that bear my original signature that reflect that I agreed to pay what they say I owe. Each letter they sent said they validated the name and address ; however, validation of an accounted they are claiming I owe them consists of providing substantiating information to prove beyond a reasonable doubt that this account indeed belongs to me See attached letters I sent them as well as the letters they sent in response which as I have stated above DO NOT VALIDATE THE DEBT. I have never heard of this company nor have I ever did business with them. I have never signed any contracts nor had any obligation to them. This item is not 100 % accurate ( Collection accounts have no terms, so why are they reporting a term of 1 month if I never signed any contract or agreement with them, nor is it verifiable ; therefore, this items should be deleted from my report immediately.
05/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72401	Web
As a result of mistaken balance billing from " medic one '', I was billed from XXXX of XXXX that which was a result of identity theft.Ive never gotten a notice of a bill of any time until it came upon my credit report in XX/XX/XXXX through an alert from the XXXX credit bureaus notifying me that I had something in collections.I then took note of it and called " professional credit management ( pcm ) '' and they said that I owed them a bill of {$1200.00} due to an ambulance ride.I told them that I've never got into their ambulance in the year of XXXX and requested an itemized breakdown of the bill with my signature signifying that particular bill also proving that it was me with a contractual agreement with my signature " in agreement '' on the itemized bill... and all I received back through my email was a bill with my name on it with a date of XX/XX/XXXX without still no signature of agreement nor anything proving any contractual agreement signifying that I was the actual person they had picked up and put into their ambulance. In result of this, my credit report is damaged and is beyond repair.
02/26/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72450	Web
Debt was due to a Doctor visit in XXXX. Debt was believed to have been paid in the full amount and we never received any other information regarding payment. That is, until summer XXXX we received a letter informing us we were now in debt collections and needed to pay this amount. We were very surprised but it was an insignificant amount so we paid to clear our debt history. Another year has passed, now in early XXXX and we decided to refinance our home. As we go through the process it is found that we are again in debt collection, this time for {$50.00}. Again, I have paid to clear this debt. All of this is still stemming back to the original XXXX doctor visit. Notice, we have received no information about this debt whatsoever, by phone or mail to our address. I only now found it because of the refinance while it has sat on our credit report for nearly 2 years. This has undoubtedly and unnecessarily damaged my credit. I can only hope it does not affect my homes refinance, as it will cost me upwards of {$70000.00} because of a {$50.00} charge that should've been fulfilled years ago.
08/31/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	AR 72223	Web
To Whom It May Concern : From my reading of the Fair Debt Collections Practices Act, I have the right to dispute the validity of any alleged debt, and Professional Credit Management used abusive practices. According to the Fair Debt Collections Practices Act [ 15 U.S.C. 1692 ] Section 802. Congressional findings and declarations of purpose ( a ) Abusive Practice. The company Professional Credit Management has conducted the following act : 809 Validation of debts ( d ) Legal pleading A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ). Before receiving a certified letter of a filing made on behalf of Professional Credit Management, I did not receive any correspondence is mail or phone regarding the alleged debt listed in said filing. I have made numerous attempts via phone ( phone records available ) to show that I called Professional Credit Management to address the matter immediately after receiving the certified letter ( first tactic of communication ).
02/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 38135	Web
Professional Credit Management of XXXX, AR ( PCM ) intentionally and illegally reported and continues to report false information to Equifax. I had a procedure in XXXX of XXXX. They originally reported the date of first delinquency as XXXX of XXXX, three months prior to the date of service. Pursuant to the Fair Credit Reporting Act ( FCRA ) they must report accurate to the credit bureaus. I have their manager, XXXX XXXX, on a recorded call stating that they do indeed report false information so the information will come off sooner. Reporting false information is still illegal. Since then, PCM has reported the debt as unpaid when it has been paid and now they 've changed it again. In the last 2 months PCM has reported several different false reports, defamed my character, and jeopardized my ability to get sound interest rates. PCM should be shut down immediately and required to cease operations. I am also asking the CFPB to do a full audit of PCM.
03/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN XXXXX	Web
I WAS AFFECTED BY THE XXXX SECURITY BREACH AND ALSO A VICTIM OF IDENTITY THEFT. THE COLLECTION AGENCY IS PROFESSIONAL CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX ... .COLLECTING FOR XXXX XXXX XXXX THIS IS WHAT I AM SEEING ON MY CREDIT REPORT. I REACHED OUT TO XXXX ON THIS ISSUE AND THEY REMOVED IT AND BLOCKED THE COMPANY. I GET A LETTER XX/XX/18 FROM XXXX STATING THEY VERIFIED THE COLLECTION AND PUT IT BACK ON MY REPORT. QUIT NATURALLY THE COMPANY WILL SAY ITS MINE BECAUSE MY INFORMATION MUST HAVE BEEN USED BY FRAUD..XXXX GOT SOME NERVE AFTER ALL THEY HAVE PUT US CONSUMERS THRU LETTING MILLIONS INFORMATION GET STOLEN. THE AMOUNT OWED IS {$260.00}. I HAVE WRITTEN TO THE AGENCY AND ADVISED THE ACCOUNT S FRAUD, I HAVE NOT GOTTEN A RESPONSE THAT HAS BEEN MONTHS, AND ALSO CALLED THE AGENCY AND THE COMPANY THEY ARE COLLECTING FOR NO RESOLUTION BECAUSE THE REPS WERE SO RUDE, SO I ENDED THE CALL..XXXX IS RESPONSIBLE AND NOW THEY WONT FIX IT
07/01/2015	Yes	Payday loan	Can't contact lender	AR 72076	Web
I have received several phone calls from a debt collector mentioned above. They state that a payday loan was taken out in XX/XX/XXXX and that the balance of this loan has not been paid off and has been sent to them for collection. I have no records of taking out any pay day loans at that time and no documentation of a due or past due loan. The representative informed me that they are trying to collect this debt and that if I do not pay the settlement through them, I be summoned to appear in court and be responsible for the full amount of the debt plus legal fees. I explained to them that since I have no recollection of taking out this payday loan, that I would require documentation specifically stating the exact loan and its current status before moving any further on this matter. I received my XXXX call on XX/XX/XXXX and have not received any documentation to this point. This collection agency has also started calling my family
11/23/2019	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	AR 724XX	Web
I sent a certified procedural verification letter tracking # XXXX delivered and signed by XXXX XXXX XXXX XXXX from USPS on XX/XX/19 and has been 30 days since they received the letter. I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, I have not received any response at all from XXXX and I have not received any information from anyone to verify these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
08/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... XXXXXXXX XXXX ACCT # XXXX ... XXXX XXXX # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
11/24/2019	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	AR 724XX	Web
I sent a certified procedural verification letter and I requested documentation of proof of the accounts referenced in the letter to be validated and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that XXXX is unacceptable for verification. However, All I received was a letter stating we have verified with the company that the information is accurate or updated Yet again, wheres the documents verifying that to me? I have not received any information from anyone that verified these accounts. I have exhausted my pro-bono abilities and obviously can not resolve these matters without legal representation. I have disputed and requested actual verification several times and I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
10/11/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
It has been several months and Professional Credit Management continues to violate the Fair Debt Collection Practice Act and Fair Credit Reporting Act by continuing to report a fraudulent debt to my credit file that was never opened by me. This account was previously deleted from my file and re-sold which is clearly a FCRA violation. Even after being notified this debt was a result of identity fraud Professional Credit Management continues to report this account to the major consumer reporting agencies. In addition in the state of Arkansas, Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). I find these actions totally unacceptable and Professional Credit Management must be held accountable for their actions.
12/27/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 723XX	Web
The company states the I owe a debt with 4 different accounts. The accounts need to be verified. I don't want a statement. I want my contract with this company for the 4 accounts with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The accounts have several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the accounts from my report. I DO NOT give my consent to this company to report anything on my credit report. I demand that the accounts be removed. The account being in these numbers 676, 681, 661, 679 needs to be deleted as soon as possible.
08/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75032	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... PROFCRJXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
10/01/2021	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	TN 38016	Web	Servicemember
Upon return from Military XXXX, I was made aware of an outstanding debt with XXXX XXXX, a cable service provider I had service with, in XXXX TN. I contacted them and made payment in full on XXXX XX/XX/2021. Receipt provided showing the correct date. The following month I noticed Professional Credit Management ( PCM ), a collection agency for XXXX XXXX, was erroneously reporting incorrect information to my personal credit file. I have disputed this account multiple times with all three credit bureaus and PCM has failed in correcting the erroneous information. Since PCM continues to tarnish my financial reputation with erroneous data and cant seem to get it right after multiple investigations resulting in them stating data is validated, I demand deletion of this account and request your assistance in ensuring this action takes place. Thanks.
07/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38115	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70068	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
01/22/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 722XX	Web
As of XX/XX/22. Any medical bill under XXXX should not be collected. WASHINGTON, D.C. The Consumer Financial Protection Bureau ( CFPB ) today released a bulletin reminding debt collectors and credit bureaus of their legal obligations in light of the No Surprises Act, which protects consumers from certain unexpected medical bills. Companies that try to collect on medical bills that are prohibited by the No Surprises Act, or who furnish information to credit bureaus about such invalid debts, may face significant legal liability under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The bulletin advises credit bureaus that the accuracy and dispute obligations imposed by the FCRA apply with respect to debts stemming from charges that exceed the amount permitted by the No Surprises Act.
02/08/2023	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TN 381XX	Web
I visited XXXX XXXX XXXX in XX/XX/2022 for a XXXX ultrasound. I was referred there by a XXXX because I was XXXX XXXX XXXX. After the appointment I began receiving bills for XXXXXXXX XXXX XXXX ultrasounds instead of the XXXX ultrasound that I was supposed to receive. Over the course of 6 months, I reached out to the company 7 times to get my bill corrected. Each time they acknowledged that my bill was incorrect and promised to send me a correct bill. I never received any follow up from them, never received a new bill and the next thing I know I am getting a letter from a collections company. I wrote to the collections company explaining that I was being billed incorrectly but never heard back from them either. Next thing I know, this incorrect bill is on my credit report and has dropped my XXXX XXXX by about XXXX points!
02/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MO 640XX	Web
Hello, I paid my medical bill with the hospital and it is on my credit report. I called the agency and asked them to contact the hospital because the debt was precociously paid. They refused. I contacted the credit agency. XXXX to explain the bill was paid and I have the receipt. I attempted to upload the receipt to the online portal would Not allow me to Attach the receipt of proof. It appeared to be an issue with the system. They then opened a new dispute and it remains on my credit report although I explained to both XXXX and Professional Credit Management that the debt was paid. I also offered to Email it to Professional Credit Management and was told they can not accept emails and XXXX was informed their system would not allow me to upload proof. It has been removed from the other two credit reports but not XXXX.
06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TN 38017	Web
Professional credit management is in violation of FCRA 15 USC 1681a ( 2 ) ( B ) and has furnished this information to a consumer reporting agency to hurt my character. 15 USC 1681a ( 2 ) ( B ) falls under the exclusions section, exclusions define what aren't supposed to be included in a consumer report. It reads ... any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; this account was allegedly extended and is not supposed to be included. XXXX is also in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) which is also under the exclusion section for what is to be excluded from consumer reports and it reads ... report containing information solely as to transactions or experiences between the consumer and the person making the report ;
03/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MS 38654	Web
on XXXX this company put a medical bill on my credit report but with the wrong address and i have tried talking with them to remove this from my credit reports, they went in and they are using a loophole to get this done by using a company name ( professional credit management ) .this is not fair according to the ftc . but they still said its for the imaging center that was for XXXX for XX/XX/XXXX. I been at my home here since XX/XX/XXXX and they said that they tried calling me and i did not answer calls, then they said they sent it to another address that was not associated with me.I need some help please upon removing this from my credit reports because I supposed to be closing on my home in may. I have paid this XXXX $ but its the hardship behind all of this illegal loophole that they have done. Thanks XXXX XXXX
04/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76116	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
05/09/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38654	Web
I requested to validate the alleged debt on XXXX / XXXX / 2017 via registered mail. The letter requested a breakdown of fees including collection costs and medical charges, a copy of my signature with the provider of the service to release my medical information, a copy of my signature with the provider of the service accepting the responsibility of the costs associated with the services provided, and to cease any credit reporting until the debt has been validated by me. Professional Credit Management r eceived the registered letter on XXXX / XXXX / 2017 . It has been well over the 30 days allotted to respond to my request and I have not received any validation of this debt that is being reported on my credit report. Therefo re, Professional Credit Management is il legally reporting an invalid debt.
11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72204	Web
Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions. This debt was opened as of XXXX or XXXX depending on which consumer reporting agency you are reviewing which is inaccurate information.
01/11/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72401	Web
I submitted an Identity Theft Affidavit to the CRA who then notified PROFESSIONAL CREDIT MANAGEMENT that all four of these collections were the result of fraudulent activity. Was successful with deleted them from XXXX and XXXX. But PROFESSIONAL CREDIT MANAGEMENT continues to verify, update and ignore FCRA. I 've sent several letters and attempted to contact the company. The consumer financial Bureau is the last attempt before I commence filing a lawsuit against this company who is reporting fraudulent accounts on my credit report. All 4 of this collection accounts are unknown collections. Items Name\| 1. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX XXXX. PROFESSIONAL CREDIT Account Number : XXXX 4. XXXX XXXX Account Number : XXXX
11/23/2019	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	AR 724XX	Web
I sent a certified procedural verification letter dispute # XXXX XX/XX/19 requesting documentation of proof of the accounts referenced in the letter to be valid and that the collection agencies, XXXX, any third party or court provide me documents of the alleged collections or public record accounts. And, that E-oscar is unacceptable for verification procedure. However, all I received was a copy of my credit report stating The company has reported the information has certified to XXXX that the information is accurate or updated This is NOT acceptable. I have not received any information from anyone to verify these accounts. I am demanding immediate removal of these disputed items. Or, I will be acquiring an attorney to represent me in these violations of the FCRA.
04/20/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR XXXXX	Web
I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received an insufficient response from them and they did not update the credit report as disputed. XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
02/12/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 38116	Web
I received a credit monitoring alert indicating that a collection had been placed on my credit report. Professional Credit Management , Inc., was listed as the debt collector for an amount of { {$340.00} }. I contacted the collection agency and advised them that this is not my debt ; that I have never received any communication from them regarding this debt ; nor had I received any communication from an original company owning the debt ( since it is not my debt ) ; and requested that they remove this debt from my credit report. It has not yet been removed and, therefore, I am filing this complaint. I respectfully request that this debt be removed from all three credit bureaus ' files since it is not my debt. Thank you! move from credit report.
07/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38141	Web
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXXXXXX XXXX XXXX PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
08/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70816	Web
I was contacted by Professional Credit Management regarding a collections account in the amount of {$110.00} ( in XX/XX/XXXX ). Upon this communication, I was told that paying this account would result in it being deleted from my credit report. On XX/XX/XXXX, I paid the account and received confirmation of the payment to my email account. After a few months ( XX/XX/XXXX ), my credit report was reviewed my credit report and found that this account, while showing paid, was still there. I contacted the company to inquire about this. I was then told by a representative that they could not delete the account from my credit report. This is completely different from the information that I was told prior to paying this account.
12/29/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 72764	Web
The company states that I owe a debt. The account needs to be verified. I don't want a statement. I want my contract with this company for the alleged account with my wet signature and the company 's signature. I want the services that I had with this company, and I also want to know if this company is a third-party debt collector. I have already filed a complaint with the Attorney General and the FTC. Pursuant to 18 USC 8 & HJR 192 of 1933 it's the US obligation. The account has several different dates on my credit report, and they are also reporting to all three CRA 's and I want them to delete the account from my report. I DO NOT give my consent to this company to report anything on my credit report
03/23/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 723XX	Web
Professional Credit Management Is the debt collector for XXXX XXXX XXXX XXXX in XXXX Arkansas. They are attempting to collect a debt of less than {$100.00} x XXXX. The hospital is aware that I have XXXX insurance policies. XXXX is XXXX XXXX XXXX XXXX XXXX XXXX. XXXX is XXXX XXXXXXXX. The last is XXXX XXXX XXXX. The hospital was notified that the XXXX is the primary but they still always claim the XXXX XXXX XXXX XXXX XXXX because it pays the most etc. They are breaking the law by picking and choosing which is best for them. They have put items on my credit report and causing me not to be able to use my credit. They need to delete their records on my credit and they should have to pay for their mistake
04/27/2021	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	AR 72315	Web
Hello I have disputed with both XXXX and the collection company on the inaccuracies being reported on my report. I sent certified letters on XX/XX/2021 with no response to the company. Professional Credit Management has violated my ( HIPAA ) rights as I have asked them to provide documentation of my written signature stating the release of any information or contract I have signed be provided to me. I am allowed to have my privacy PROCTED. I disputed on XX/XX/2021 with XXXX. See CERTIFIED LETTER XXXX XXXX has allowed this violation by continuing to validate and not verify this information. The results of there dispute are attached along with letter I sent to them requesting verification.
07/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
After reviewing by a copy of my credit report and I realize that as a consumer Professional Credit XXXX is violating my rights. They are defaming my character and harassing me according to 15 USC 1692d. They are harming my life and my future. As a consumer I have every right to make sure that my rights are not violate, but yet they are being violated. They are saying that I owe this alleged debt which this debt is not mines. This is abusive practices 15 USC 1692a.You can have access to this alleged debt but you should not have my Personal Information. You have violate other rights which each violation is {$1000.00} per occurrence. have attached my ID to help identify me.
07/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MO 63901	Web
I was on contacted on XXXX XXXX at XXXX XXXX from a representative for Professional Credit Management ( XXXX ) XXXX XXXX , AR about a medical debt. I informed PCM that I am not responsible for said debt, that I have a court order from my divorce settlement stating any prior and future medical bills for the children are the responsibility of my exhusband. It was then tha t PCM told me they do not pay attention to or obey court orders and I was responsible and would be reported to the XXXX credit bureaus as deliquent and sued for the debt. XXXX I was not aware that debt collectors could pick and choose which laws and court orders they had to obey.
01/19/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70816	Web
XXXX, 2022 a charged off medical account was on my credit report from a company named Professional Credit Management. I contacted the company to question them about the account and they asked for my personal information then hung up in face when i declined to share that until they tell me who they were. I submitted disputes online to XXXX, XXXX, and XXXX. XXXX, deleted the account the next day. XXXX and XXXX said the debt was validated without doing ANY investigation. A few days later i received mail from Professional Credit Management and it was a detailed bill of a medical procedure i had years ago. They are in direct violation of HIPAA laws and violated my rights.
11/02/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR XXXXX	Web
On or around XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor ) sent account for {$690.00} to Professional Credit Management ( Collection Agency ) On or around mid XX/XX/XXXX or XX/XX/XXXX XXXX XXXXl also sent another account in the amount of {$480.00} to the same collection agency in error. The original creditor never filed this with my insurance provider. I have spoken with several different people at XXXX XXXX XXXX Department and XXXX XXXX agency to get this matter resolved. I have been unsuccessful in getting the {$690.00} removed. I did not authorize XXXX XXXX to share any information with anyone which is a violation of the HIPPA LAW.
11/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72032	Web
Professional Credit Management continues to violate the Fair Debt Collection Practice Act by continuing collection efforts after being notified this debt never belonged to me and attempting to collect on Medical Debt in the state of Arkansas after the statue of limitations has expired per ( A.C. A. $ 16-56-106 ) Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ). These actions are clearly a violation of my consumer rights and Professional Credit Management must be held liable for their actions.
09/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MS 38637	Web
After waiting over 180 days for a response, they send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more. There is too much going on right now to request a consumer to wait EVEN LONGER than federally mandated. The FCRA was created for a reason. They are to follow it. Every item should be removed
10/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38117	Web
I have been harassed at XXXX point daily for money I did not owe. I could not afford a lawyer and they took me to court even after never serving me papers or letting me know. I have time and time again disputed this amount as I do not owe it and it's a result of identity fraud that occurred. I have proof from the IRS that this happened and they refuse to acknowledge it and would rather threaten me and call members of my family in an attempt to collect a debt that doesn't belong to me and is being falsely attributed to me. They have also never once provided any evidence or proof that this is mine and have no way of certifying it.
02/18/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TN 37076	Web
The account was paid in full and agreed to be removed from my credit history. However the account still remains on XXXX and XXXX. Please remove. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ( XXXX ) XXXX Placed for Collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$0.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$76.00} Original Creditor : XXXX ( Medical/Health Care ) Pay Status : & gt ; Account Paid in Full ; was a Collection & lt ; Date Closed : XXXX/XXXX/XXXX Date Paid : XXXX/XXXX/XXXX
12/31/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 716XX	Web	Servicemember
On XX/XX/22 I disputed credit information provided by Professional Credit Management to XXXX XXXX XXXX as inaccurate due to not being updated to reflect a bankruptcy filing that was filed XX/XX/22. Professional Credit Management Updated my XXXX, and XXXX file as accurate reflecting it being included in XXXX XXXX bankruptcy, and/or having a XXXX balance however has not updated XXXX account information despite 2 attempts to dispute with provided case number, date of bankruptcy filing, and a written request to have it updated to a XXXX balance, or reflecting that it's included in XXXX XXXX bankruptcy filing.
09/30/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38133	Web
XXXX XXXX sent a bill for collection which had already been paid by insurance. I have called them multiple times to no avail. The 3 credit reporting agencies are still reporting the original billed amount ( {$280.00} ) dollars even though I have sent them the XXXX from the insurance company that included the check # and the date they paid it. They simply will not remove it and state that this isn't sufficient evidence! original creditor : XXXX XXXX XXXX I am enclosing 2 screenshots which show the Explanation of Benefits and the amount the insurance company paid and the check number.
02/14/2017	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	AR 72601	Web	Servicemember
the original debt was for a physician, I have repeatedly tried to contact every office of Professional Credit Management that I can find in Arkansas. All of the phone numbers are disconnected or ring incessantly. This is a very old debt and I do not even know if it is valid ; I did owe this clinic but they have not brought it up in numerous subsequent visits made since XX/XX/2011. This collection is hurting my credit i am trying hard to rebuild ; and I can not even reach or contact this company to make my case. There is no way to contact these people.
04/28/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 38116	Web
I called this agency in XX/XX/2019. I thought my insurance had paid ( {$160.00} ) after our talk. I never spoke with them again until today. They sent bill ( s ) to wrong address. I NEVER received a bill from them. They said they never received the mail back. I explained to them that it I am not responsible for my neighbor 's actions. They did not take responsibility for sending them information to the wrong address. They will not remove the collection notice from my credit. My credit was excellent with XXXX before their submission.
06/20/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	MO 656XX	Web
Professional Credit Management Inc hired a lawyer and filed suit on XXXX XXXX, 2015. I have not been notified by mail that they intended to pursue the matter in court, and was given no opportunity to discuss any potential settlement or payment.. I have not as of XXXX XXXX, 2015 been notified of their intent to sue or that they have actually filed suit as of XXXX XXXX, 2015. Research indicates this company has a D rating by the Better Business Bureau. This company has not called me as it does not have my phone number.
06/21/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78216	Web
My credit has been negatively damaged by PROFESSIONAL CREDIT MANAGEMENT. They four negative collections on my credit report. I have called PROFESSIONAL CREDIT MANAGEMENT in hopes that they would remove those negative remarks. They refuse to do so. Collections 1 : {$2100.00} Collections 2 : {$360.00} Collections 3 : {$88.00} Collections 4 : {$1000.00} All these collections accounts have to do with identity theft that occurred at this location : XXXX XXXXXXXX XXXX. I have no knowledge or history with this entity.
06/21/2017	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	AR 726XX	Web
upon reviewing my credit report, XXXX and XXXX, I found numerous instances of collection companies not licensed in my state, trying to collect and reporting on my credit file. I am a resident in Arkansas and have been for the last 4 years. I have also asked for validation of these debts from them 2 times, from XXXX and XXXX, and I have never recievced any documents from them verifying that the debt is in fact mine. XXXX has deleted these accounts from their report, stating that they could not verify them.
10/29/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR XXXXX	Web	Servicemember
I was in the XXXX for a week my second year of college in XX/XX/2016. When I got out I never heard anything for a year when I got a phone call from a debt collector. I was asked to pay my outstanding balance around {$500.00}. I paid immediately and have since found that I have 9 derogatory marks on my credit report. They were all from one stay in the hospital and were paid as soon as I was notified. They may have notified my parents, but that was never brought to my attention because of our relationship.
08/14/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72034	Web
I sent the credit bureaus and Profession Credit disputes because they are on my credit and I did not apply for credit with them ever and I don't know why they are there. They sent me a letter stating that I owed money for medical reasons, and they sent me my private medical information through the mail with no HIPPA release. I believe they have violated my rights according to the FCRA, HIPPA, and they have willfully intruded onto my credit. I'm baffled at how a company could do this! PLEASE HELP ME!
04/27/2021	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	AR 72204	Web
I reviewed a copy of my credit report and I saw that there were collection items, and charge off items listed that I wasn't aware of. I attempted to contact the companies and request verification and received nothing back. I understand that this is a violation of FDCPA and need to have accounts deleted. I also tried speaking with the CEO of XXXX about late payments that were reported on my account, which is also unverifiable, which is again, a violation of FDCPA, and need all late payments removed.
02/16/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 750XX	Web
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Professional Credit Management, using address XXXX XXXX XXXX, XXXX, Ar XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas , for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.
01/02/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72204	Web
Professional Credit Management , Inc. had agreed to submit paid collections for deletion for accounts XXXX and XXXX. XXXX has already deleted collections from credit report. XXXX and XXXX have not. These two credit bureaus have been reported to CFPB as well. They keep stating that the accounts are verified and accurate yet I received the letter in the mail from Professional Credit Management , Inc. stating that any accounts under {$50.00} have been submitted for deletion.
09/09/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 724XX	Web
I have attempted several times to dispute collection accounts from Professional Credit Management of XXXX Arkansas for medical collections on my credit report that are not mine. This is also a HIPPA Violation. I have requested that they send me a copy of the HIPPA form showing proof that i signed it and they failed to do so. This needs to be removed from my XXXX report immediately! There are 4 accounts on my report from this company that are in violation of the HIPPA Law.
04/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AR 72653	Web
I have a derogatory mark on my credit report from " XXXX XXXX XXXX XXXX by XXXX '' for an amount of {$65.00} from XX/XX/2017. I know if I went to XXXX XXXX XXXX XXXX that I would have paid the amount then and there and I do not know where this collection came from. I do not even know how to pay it off. I believe it went to a collection agency called Professional Credit Management ( Profcrdtmg ). No one notified me that I owed anything or that there was a collection.
09/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38128	Web
Went to the XXXX room XX/XX/XXXX or XX/XX/2020 I had insurance at the time. Some how they failed to update my insurance. They have placed a medical collection on my credit report for {$160.00}. I have called the collection agency along with the imaging center and updated my insurance with both of them. Also, a law was passed XXXX collections agencies are not able to report medical bills under {$500.00} the collection agency is professional credit management
01/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 724XX	Web
XXXX XXXX XXXX XXXX XXXX Arkansas is reporting XXXX XXXX on my credit reports that are for less than {$500.00}. Starting XX/XX/2023 medical debt under the amount of {$500.00} are to be removed from credit reports. XXXX has yet to do so. Please remove all collection under {$500.00} from my credit report. Account numbers : XXXX XXXX XXXX XXXX ( this is listed twice on my reports ) XXXX XXXX XXXX XXXX XXXX This are all for under the amount of {$500.00}
07/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web
I have sent certified letters to Professional Credit Management on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting to verify this debt that was placed on my credit report as a collection item. I have reached out to the original lender, XXXX XXXX, who stated they do not see me owing anything in their records. This is a XXXX violation, and I did not give permission to any healthcare facility to disclose my personal information.
02/07/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 387XX	Web	Servicemember
I received a notification that a collections was added to my credit report. I contacted the reporting agencies and advised that I was unware of this debt, did not receive any prior communication from the collection agency, and lastly, I have full coverage medical insurance through the State of TN for the last 26 years. I have disputed this debt and attempted to reach out to the collection agency multiple times, to no avail.
10/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38024	Web
I sent a debt verification request to Professional Credit Management , INC on XX/XX/2021 and it was confirmed received on XX/XX/2021 and the company has failed to adequately validate the alleged debt. Instead, they sent me a list of medical procedures done, which I know is a direct violation of HIPAA regulations. I never signed and they could not produce a release form authorizing them to have access to this information.
03/09/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AR 72404	Web
Professional credit has reported and alleged debt on my credit report and continues to contact me by phone. I believe they gave violated the FDCPA, FCRA, and defamation of character by reporting derogatory and or delinquent allegations upon my credit. I have sent a ceased and desist to this company as well Im regards to this alleged debt. I have not authorized anything within this company of this alleged debt.
03/21/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	GA 30017	Web
Hey, I am XXXX years old and I have a collection from Professional Credit MA located in XXXX, AR for the amount of {$160.00} that is reporting illegally on my credit. I was not old enough to have signed a contract, at that time I was 14 years old and right now it is hindering me from moving forward in my life while I'm trying to establish my credit.
09/01/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72023	Web
Professional Credit MA, has put a charge off on my credit report in the amount of {$1100.00}. Opened in XX/XX/2015. I have never been contacted about this debt from anybody. I haven't ever received any phone calls, emails, or letters in the mail.. Isn't this against the law? Aren't the creditors supposed to contact me about a debt?
11/09/2021	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	AR 720XX	Web
I've reviewed a copy of my credit report and I see there is a collection item listed that I'm not aware of. I attempted to contact the collection company on XX/XX/2021, and request verification and I received nothing back. I understand that this is a violation of 15 U.S. Code 1681I ( A ) ( 1.A ) and need to have account deleted.
03/20/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72113	Web
Professional Credit Management falsified statements to obtain a default judgement against me. This is not my debt and I have not been served, nor has anyone in my household has been served. It is illegal to obtain a judgement without serving someone. In addition, this is not my debt! Release the garnishment asap!
03/01/2023	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 72076	Web
I was contacted by XXXX XXXX and saw XXXX XXXX on my credit report. I have never talked to or signed anything with this company, to have my personal information. I have three different account with my name on it. I believe it was an account with XXXX It is 2 accounts with {$83.00} and one account with {$96.00}
05/23/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	LA 70815	Web
XXXX XXXX ,2017- $ XXXX - Ca ll XXXX XXXX and ask them to remove this off my credit report because was my Ex-wife Account. she fill Bankruptcy. XXXX XXXX call my Ex-wife ( XXXX XXXX ) a nd said because you fill Bankruptcy we will put this account on your Ex-husband credit report.
06/10/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AR 72601	Web
I notified Professional Credit Management that since this debt is medical, the claim needs to be filed with my insurance ( XXXX and XXXX ). I owe no deductible for this debt as insurance will/has pay/paid in full. PCM appears to be trying to collect from me and from my insurance for a double payout.
12/04/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 726XX	Web
Wrong date on credit report ( XX/XX/2022 ). Also, duplicate report on credit report. The company is Professional Credit Management out of XXXX, Arkansas. This Credit agency keep renewing this duplicate debt date. which my insurance paid. I have tried disputing multiple times with no results.
12/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	AR 724XX	Web
My identity was stolen and i summited a police report to all XXXX credit bureaus and disputed all unauthorized hard inquiries and disputed a collection that did not belong to me and advised them that this is also against XXXX XXXX. The fraudulent inquires and collection were not removed.
12/07/2017	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AR XXXXX	Web
I sent a certified letter to this company on XX/XX/2017, requesting a verification of debt. Although the company did however receive the letter, they continue to call my phone 2-3 time per day. I asked that all communications cease until the medical bill is properly/correctly verified.
04/08/2022	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	AR 72223	Web
Professional management is illegally pursuing to collect a debt and breaking the HIPAA laws! No HIPAA transcript or disclosure was mailed with the debt validation packet! I previously mailed the company certified mail to inform them this must be deleted but no action has been taken
05/28/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 38127	Web
I asked for a breakdown of what I owe and why and I was sent a paper in the mail showing me where they're saying the charges are coming from. All of this has been sent from a third party company in which I did not authorize to have my information so this is a violation of HIPAA.
09/22/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 380XX	Web
This bill was paid in XXXX {$75.00} I am NOT PAYING IT TWICE and the people have been very rude. This was taken off of my credit reports 5 months ago and now it is showing back up on my reports- this again was paid in full so please remove this from my credit reports asap!!!
04/27/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38654	Web
Company continues to report false and inaccurate information to the credit bureaus and will not provide proof is such debt as by way of a debt validation letter that has been asked for numerous of times. Continues to threaten legal action and repeated calls
02/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 725XX	Web
In XXXX 2019 I was in a car accident and the other lady 's insurance was supposed to pay my medical costs as well as my daughters yet it is shown as in collections on my credit and I should only have one medical bill on my credit from 3 years ago
04/14/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38141	Web
This medical debt has been delete because they didnt provide me with the hipaa transcript and my hipaa rights was violated so this need to be deleted and Professional Credit Management is a debt buyer that bought this debt that has been deleted.
01/04/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 722XX	Web	Servicemember
I SENT PROFESSIONAL CREDIT MANY OF DISPUTES TO PROVIDE ME PROOF OF ALLEGED DEBT, ITS BEEN OVER 6 MONTHS, AND THEY HAVE YET TO PROVIDE ME ANY PROOF OF PAID DEBT, THIS ACCOUNT NEEDS TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
05/12/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AR 717XX	Web
Professional Credit Management has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
05/15/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48238	Web
Professional Credit Management XXXX XX/XX/2017 Has purposely done this on purpose. Because I challenged them on my credit report and they never responded but still on my credit report a 609 fair credit report.
01/24/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	AR 72712	Web
COLLECTORS KEEPS CALLING MY FAMILIES CELL NUMBERS WE WILL 17 CALLS ON RECORD WITH SCREEN SHOTS AND ARE CALLING ( XXXX ) XXXX. AFTER CEASE AND DESIST COLLECTIONS AND COMMUNICATIONS. STOP CALLING XXXX XXXX XXXX
02/02/2017	Yes	Credit reporting	Improper use of my credit report Report improperly shared by CRC	AR 724XX	Web
I ask professional credit managment to validte the account and all they sent is medical bill with my insurance and patient id and nothing with my signature. Also believe they violated my hipaa law rights.
02/15/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38111	Web
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX MO XXXX ) XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
04/23/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72712	Web
ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.
02/05/2020	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	MI 48238	Web
I never owed anything to these people. Show my signature in blue ink because these accounts are showing closed and open on my credit report. Itemized screen shots isnt my signature nor my bill.
03/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
An Debt Appeared on my XXXX Credit Report that I have no Knowledge of from PROFESSIONAL CREDIT MA for {$400.00} and I would like it removed. Have asked several times with no response.
09/28/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	AR 727XX	Web
I have requested via mail to have these unverifiable accounts eliminated 4 times from the credit bureaus dates are as follow : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021
03/06/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72204	Web
XXXX XXXX was paid directly in full on XX/XX/2019 of {$660.00}. Receipt is attached along with Goodwill Letter, and XXXX XXXX Report of deletions back in XX/XX/2019.
07/14/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38671	Web
i sent a letter in XX/XX/XXXX asking for proof of account, i never received any documents in regards to the account, and it still reporting on my credit.
05/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 387XX	Web
I asked them to delete an unauthorized & unverified account, legally by law according the FCRA this account should be removed from my credit reports.
02/07/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	MS 38671	Web
Professional Credit Management did not provide adequate verification of debt in question. No documents were provided showing a signature or contract.
07/01/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38116	Web
I have requested debt validation from the following company Professional Credit Management in the following Amounts : XXXX & XXXX
10/11/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72204	Web
Professional Credit Management XXXX XXXX XXXX XXXX, AR XXXX Subject : Account # s : XXXX & XXXX See attached document ...
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 724XX	Web
After reviewing my credit report I have noticed several accounts that do not belong to me. I ask that these be removed.
04/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 708XX	Web
I contacted Professional Credit management to pay to delete a debt on XX/XX/2021 and made the payment online.
12/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72756	Web
Company has not responded to my previous disputes. The account is not mine
12/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 724XX	Web
I have collections on my account that do not belong to me.
01/29/2024	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37210	Web

01/11/2024	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 721XX	Web

01/04/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AR 72301	Web

07/17/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 716XX	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AR 72401	Web

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AR 72401	Web

05/25/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MO 64850	Web	Servicemember

04/12/2023	Yes	Debt collection Medical debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	AR 72727	Web

04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

02/27/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38125	Web

02/24/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72419	Web

02/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 76502	Web	Servicemember

01/11/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web

01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72476	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72454	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72454	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72454	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72454	Web

12/09/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	AR 72043	Web

12/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72404	Web	Servicemember

11/15/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70806	Web

11/06/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	FL 32303	Web	Servicemember

10/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72301	Web

09/25/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77009	Web

09/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72335	Web

08/08/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 71923	Web

07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72301	Web

07/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70769	Web

06/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72401	Web	Servicemember

05/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AR 72401	Web

05/04/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	AR 72401	Web

04/25/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72450	Web

03/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 89148	Web

03/01/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	AL 35758	Phone

02/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72738	Web

02/20/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MN 55447	Web

02/15/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	MS 38637	Web

02/02/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TN 38018	Web

12/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

11/23/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38115	Web

11/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72401	Web

10/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 38133	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38603	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38632	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38637	Web

10/11/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38655	Web

10/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75043	Web

09/29/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72260	Web

09/29/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70748	Web

09/28/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38134	Web

09/17/2021	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70769	Web

08/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38018	Web

07/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38671	Phone

07/28/2021	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	TN 38106	Web

07/16/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70791	Web

07/09/2021	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	TX 77505	Web

06/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70816	Web

06/22/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38118	Web

06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 71658	Web

06/04/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

05/29/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72315	Web

05/25/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

05/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70811	Web

05/20/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

05/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	MS 38672	Web

04/05/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 37148	Web

03/22/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 71602	Web

03/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70810	Web

03/04/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72315	Web

02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72704	Web

02/03/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TN 38184	Phone

01/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38671	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web

01/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72401	Web

01/13/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72712	Web

01/11/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72712	Web

11/25/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	MS 38732	Web	Older American

11/09/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 38107	Web

10/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77079	Phone

10/08/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72472	Web

09/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38671	Web

08/30/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	AR 72404	Web

08/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 36877	Web

08/05/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MO 65775	Web

07/08/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 71118	Web

06/29/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38125	Fax

06/12/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72701	Web

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38141	Fax

04/21/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS 38637	Phone

04/16/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70714	Web

02/24/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10166	Fax

02/03/2020	Yes	Debt collection Medical debt	False statements or representation Told you not to respond to a lawsuit they filed against you	AR 72601	Web

01/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TN 38106	Web

01/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72211	Web

12/26/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72416	Web	Servicemember

11/08/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	LA 71107	Web

11/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72704	Web

10/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AR 72204	Web

09/04/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38116	Web

08/26/2019	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	AR 72704	Web

07/18/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	AR 72223	Web

05/08/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AR 72118	Phone

04/15/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 70805	Web	Servicemember

02/26/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	LA 70726	Referral

01/21/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TN 38118	Web

11/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33169	Web

10/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38135	Web

09/25/2018	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Contacted your employer	AR 72455	Web

08/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33169	Web

06/15/2018	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OK 74137	Web

02/23/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	MS 38637	Web

12/31/2017	Yes	Debt collection Medical debt	False statements or representation Impersonated attorney, law enforcement, or government official	TN 38109	Web

10/25/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	AR 72730	Web

10/12/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IA 50501	Web

09/27/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MS 38654	Web

08/20/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	LA 70805	Web

08/15/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TN 38125	Web

08/05/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AR 72401	Web

08/05/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	FL 32303	Web

05/25/2017	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TN 38016	Web

03/31/2017	Yes	Credit reporting	Incorrect information on credit report Account status	AR 72461	Web

03/21/2017	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TN 38002	Web

03/16/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	KS 66071	Web

02/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	AR 72734	Web

02/18/2017	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TN 37076	Web

02/04/2017	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 38134	Web

01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75088	Web

08/20/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	AR 72762	Web

12/20/2015	Yes	Debt collection Medical	Improper contact or sharing of info Talked to a third party about my debt	WV 25414	Web	Older American

12/08/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	AR 72801	Web

12/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AR 72116	Web

07/07/2015	Yes	Payday loan	Can't contact lender	AR 72076	Web

06/29/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 38181	Phone

06/12/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	AR 72564	Web

04/07/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	NJ 08873	Web

03/25/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	CA 93302	Phone

03/01/2015	No	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MS 38663	Web

02/24/2015	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	TN 38119	Web

01/03/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	SC 29301	Web

12/15/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AR 72301	Web

12/05/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	AR 72301	Web

11/19/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29301	Phone

09/14/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	TX 77449	Web	Older American

08/04/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	MO 65737	Web

07/16/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	AK 72701	Phone

06/19/2014	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt resulted from identity theft	AR 72404	Web

04/30/2014	Yes	Debt collection Medical	Disclosure verification of debt Not disclosed as an attempt to collect	AR 72209	Web

03/30/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	AR 72401	Web

02/04/2014	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	TN 38128	Postal mail

02/03/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	AR 72501	Web

01/29/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	AR 72019	Web