Professional Debt Mediation, Inc.

I was living jn an apartment complex for over XXXX years. I was forced to move out XXXX of XXXX from the health inspection department because the apartment wasnt safe to lived in with my kids. They put a collection on my account XXXX of this year XXXX for a ridiculous amount over {$12000.00}. They charging me for things that come with wear and tear in a home that you have lived in over XXXX years. They didnt fixed anything since I moved in and the apartment wasnt up to date at that time. They charging me for months that I wasnt there because I had to move somewhere safe with my kids. Again I didnt get evicted I was forced to move out. They keep changing management company.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX I received a letter for debt. i wrote them certified and ask to verification of said debt. thy sent back pictures and lease agreement that was old. I aslo have move out pictures. they said i skipped out during eviction process. they were changing managemnet and companies. I went into the office prior to moving and signed a move out letter with XXXX. they are trying to charge me for screens for which there were no screens upon moving in. maintenace brought me screens from the apartment next store that had been vacant for almost a year man name was XXXX. carpet cleaning for which carpets were cleaned. very well kept. light bulbs for which i have pictures of move out date and bulbs were in place. charges for cleaning unit and again pictures and video of these being done.tubs being resurfaced. the tubs were plastic and when i moved in they had painted the tubs with paint. so it started to peel immediately. they have changed managers and property owning companies at least twice.…

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On XX/XX/year>, I sent a certified debt validation request asking the company to provide documentation verifying the alleged debt. The letter was successfully delivered according to XXXX tracking. In my request, I asked for verification of the debt, including documentation showing that I am responsible for the debt and proof that the company has the authority to collect it. The company never provided any validation or documentation in response to my request. Despite this, the company continues reporting the collection account to credit reporting agencies, including XXXX. Because the company failed to validate the debt after my certified request, I believe the continued reporting of this account is improper. I am requesting that this collection account be deleted from all credit reporting agencies.

I am disputing the alleged rental debt of {$3400.00} reported by Professional Debt Mediation. Several months after moving out of my previous apartment, I was contacted by phone regarding this balance. During that call, I expressed my willingness to resolve any legitimate charges, but I requested a formal debt validation and a detailed, itemized move-out statement explaining the origin of these charges. To this date, the company has failed to provide any written documentation, a copy of the original lease agreement, or an itemized breakdown of the alleged damages/fees as required by the Fair Debt Collection Practices Act ( FDCPA ). They are reporting a significant balance on my credit report without providing the necessary proof of debt. I am requesting a full investigation.…

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I have filed multiple disputes against Professional Debt Mediations stemming from a storage rental in 2019. Each dispute was a request for documents of Debt validation. Professional Debt Mediations persistently failed to disclose any factual evidence and has dismissed each and every dispute with a response saying the account is valid.

I terminated my lease on XX/XX/year> because of XXXXXXXX XXXX, in the HVAC closet from a continuous water leak. However the XXXX XXXX wasnt in the office Friday XX/XX/year> or Monday XX/XX/year>. I also have proof that although I handed XXXX XXXX the keys directly, on XX/XX/XXXX she called and asked for permission to enter the apartment to fix service request. I stated that I handed her the keys, I no longer live there and to fix whatever needs to be fixed. But had a proper walkthrough been done with me, which wasnt, this mistake wouldnt have been made. I have emails that the XXXX XXXXXXXX stated I wasnt charged, I have service request about water leaking and mold, I have pictures of water leakage and mold, and I cut service off to the apartment on XX/XX/year>. I also didnt receive my security deposit back when they had a legal obligation to keep that apartment habitable and didnt hold up their agreement.

RE : Dispute of Inaccurate Credit Information To Whom It May Concern, I am disputing the following collection account on my XXXX credit report : Creditor : Professional Debt Mediation Original Creditor : XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$72.00} This account is inaccurate. I did not receive proper notice or validation of this alleged debt. I am requesting verification of this account and proof that it is being reported correctly. If the furnisher can not validate this account, it must be removed from my credit report. Thank you for your prompt attention.

On XX/XX/XXXX I recieved a credit alert on my report that a collection of XXXX was added to it when I opened it up to look I had no recollection of any of it because I know that I dont have any debt so I immediately disputed it it came back that the debt was mine due to false reporting so I called the number of the creditor to get information on what this was I spoke to a gentleman who gave me information on the debt and once he said my childs father name and the year of XXXX I knew what apartment he was talking about but I explained to him that I have not lived there since XXXX I moved out and my childs father still stayed and occupied the space for about XXXX years after I left and that they are using an invalid lease he told me that they are a third party agency hired by the landlord to collect a debt and they are using the lease that was given to them by the landlord and even though the lease may be invalid the only way to get the debt off my credit was to contact my XXXX XXXX and…

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I am disputing a debt being collected by Professional Debt Mediation related to a residential lease. Although I signed a lease agreement, I never took possession of the apartment and was never provided keys to the unit. Because possession of the unit was never delivered, the lease was never executed in practice. Despite this, the landlord later claimed I owed rent and sent the account to collections. The unit was subsequently re-leased to a new tenant starting XX/XX/scrub>XXXX The collection agency has only provided a lease agreement and a ledger as validation. These documents do not demonstrate that I ever took possession of the property or that the charges are legally owed. Additionally, the collection agency contacted my workplace in an attempt to reach me, which raises concerns regarding improper communication under the Fair Debt Collection Practices Act.…

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XX/XX/year>XXXX I went to court because XXXX XXXX XXXX said I owe them {$5000.00} and tried to evict me saying was none payment. I came with documentation and pictures of the home of being not care in the proper manner. The person over the property and the plaintiff came to an agreement that I don't owe any money to the company. I received a dismissal from XXXX XXXX court of I don't owe anyone nothing. After Court 3 months go by I receive a ding on my credit by Professional Debt Mediation that I owe {$5000.00}. I contact Professional Debt Mediation and let them know we handle in court I dont owe this company nothing. I was told by PDM that its false I still owe them money. Now keep updating the credit bureau with false information. XXXX XXXX XXXX Sold debt to a collection that I didnt authorize or owe. Everything was settle in court. This debt is false and inaccurate.

This company reported an alleged apartment debt from XXXX to my credit report on XX/XX/XXXX without providing proper written notice as required by the Fair Debt Collection Practices Act. I never received an initial written communication regarding this debt. The first time I became aware of it was through my credit report. When I contacted the company to request validation and account details, I was told I must make a payment in order to access information about the account, including the account number. Requiring payment before providing validation is improper and appears to violate federal law. I am formally disputing this debt and requesting : 1. Proof that proper written notice was sent 2. Full validation of the debt 3. Immediate deletion from my credit file if validation can not be provided I am located in Florida and this alleged debt is related to a XXXX apartment lease.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

On XX/XX/XXXX I was involved in a XXXX XXXX with my roommate which led to me going to XXXX and having a XXXX XXXX XXXX with her. On XX/XX/XXXX I made my property manager aware of the situation verbally and in email and also explained that I would be vacating the premises. On XX/XX/XXXX I will send an email to confirm that I had left the unit and would not be back and that was the last communication between myself and the property manager. On XX/XX/XXXX of XXXX I was made aware that I have a collections account on my credit from the leasing property management. The issue is, I was never made aware of any charges prior to it being reported on my credit. No emails or phone calls from the bill collectors or the creditors who would be my property manager.

To Whom It May Concern, I am writing to formally dispute the accuracy of a collection account currently appearing on my credit report. Collection Agency : Professional Debt Mediation Original Creditor : XXXX XXXX Apartments Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Reported : {$11000.00} I dispute this account in its entirety. I do not believe this debt is accurate, complete, or verifiable. To my knowledge, I was never provided proper validation of this alleged obligation, nor have I been presented with documentation proving I am legally responsible for the amount being reported. Under the Fair Credit Reporting Act ( 15 U.S.C.…

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In XX/XX/XXXX, I received my first notice from a collection agency claiming I owed {$4700.00} to my former landlord. I vacated the apartment in XX/XX/XXXX and never received any final bill, move-out inspection report, or itemized accounting of damages. I timely disputed the debt and formally requested validation. The collector provided only a self-generated invoice summary and a copy of the lease. They did not provide a move-out inspection report, photographs of damages, proof of tenant-caused damage, third-party invoices, or any accounting or credit of my {$1800.00} security deposit. Despite the lack of lawful validation and the unresolved dispute, the collector reported the account to credit bureaus in XX/XX/XXXX. The claimed charges appear to consist primarily of routine unit turnover and normal wear-and-tear maintenance, not tenant-caused damages.…

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PROFESSIONAL DEBT MEDIATION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Debt Validation Request Dear PROFESSIONAL DEBT MEDIATION I am writing to request validation of the debt associated with my account for the amount of {$2200.00} Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request this information. Please provide me with the following details : A copy of the original signed contract or application. The name and address of the original creditor. The date and amount of the original debt. A detailed accounting of the debt, including any fees or interest added. Proof that you are legally authorized to collect this debt. Bill of sale Flow Agreement Date of first delinquency Below are the details of the accounts in question : PROFESSIONAL DEBT MEDIATION : {$2200.00} Please treat this letter as a formal request for full validation of the debt.…

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PROFESSIONAL DEBT MEDIATIO XXXX XXXX XXXX XXXX Fl, XXXX XXXX XXXX XXXX Fl, XXXX, FL XXXX | ( XXXX ) XXXX Account Number : * XXXX | Owner : Individual Account Collection Reported : XX/XX/XXXX Amount : {$700.00} Assigned : XX/XX/XXXX Balance as of XX/XX/XXXX : {$700.00} Date of XXXX Delinquency : XX/XX/XXXX Last Payment Date : None Additional Information : None Original Creditor : XXXX XXXXXXXX XXXX Creditor Classification : Personal Services Status as of XX/XX/XXXX : Unpaid

I am submitting this statement regarding an inaccurate account being reported by Professional Debt XXXX on my credit report. I have disputed this information multiple times because it is incorrect, unverifiable, and not owed. I previously filed disputes with XXXX XXXX XXXX and both credit bureaus deleted the account after completing their investigations. This confirms that Professional Debt XXXX could not verify the debt and that the information they furnished was inaccurate or incomplete. However, despite these findings, the account remains on my XXXX credit report, causing ongoing harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ), including the requirement for information to be accurate, verifiable, and corrected across all bureaus. Professional Debt XXXX has failed to properly respond to my disputes and continues to furnish false information, even after the account was deleted by two major credit bureaus.

Professional Debt mediation has failed to validate this debt according to the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws. The company is required by law to provide a complete account ledger detailing all transactions related to this debt. The ledger provided only covers transactions from XX/XX/year> onward. This lack of comprehensive documentation prevents me from accurately verifying the amount owed and understanding how this figure was reached. According to the FDCPA, specifically 15 U.S.C. 1692g, I am entitled to request and receive such documentation. I also need to address the claim that a XXXX XXXX made a payment arrangement on my behalf. I have never been married to a XXXX XXXX and do not have any affiliation with anyone by that name. This raises significant concerns about the accuracy of the information you are maintaining. Furthermore, the ledger provided does not include any deductions for the alleged payment arrangement.…

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The debt being collected is not mine. The original final account statement issued by the landlord listed another tenant as the responsible party. After move-out, the landlord later edited the final account statement to add my name, without a new lease, amendment, court judgment, or my consent.The debt collector is attempting to collect from me individually based on altered documentation rather than a valid agreement establishing liability.I disputed this directly with the property management company and provided written evidence showing the statement was modified after issuance. Despite this, the account was sent to collections.I am requesting investigation and correction of this improper collection attempt. I vacated the unit due to safety concerns and relocated to XXXX XXXX XXXX XXXX XXXX XXXX. Any charges assessed after my departure were incurred while I was no longer in possession of the unit and are not legally assignable to me under XXXX tenant protections.…

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Sent a letter to the company on XX/XX/XXXX and XX/XX/XXXX and disputed the validity and amount of the alleged debt referenced above. Please provide full validation as required under the Fair Debt Collection Practices Act, including : 1. Photographs documenting tenants caused damage beyond normal wear and tear. 2. An itemized invoice showing the actual cost of carpet replacement. 3. Documentation of the age and useful life of the carpet and any depreciation applied. 4. Proof that the amount claimed represents tenant-caused damage rather than routine turnover or normal wear.

Yes the apts that sold my information to this company is illegal .. these apts are know for alot of negative activity .. I moved out, and when i tried to get another apt I had to call them, they instantly said no they wasnt working with me to pay monthly on the debt.and I would have to pay in full .. not even a week later it was on my credit .. its personal.. I ask that this be removed off credit due to personal issues and they illegally sold my info to a debt collector for payment..

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Re : Debt Validation Request To Whom It May Concern, I am writing in response to a collection account that your company has reported on my credit report. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Please provide documentation proving that I am legally obligated to pay this debt, including but not limited to : The name and address of the original creditor The amount of the alleged debt, including an itemized breakdown of principal, interest, fees, or charges Copies of any contract, agreement, or application bearing my signature that establishes my liability Proof that your agency is authorized to collect this debt The date of the alleged delinquency and the date the account was last active Proof that the statute of limitations…

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I am filing this complaint regarding a derogatory account furnished by PROF DEBT on behalf of XXXX XXXX. I never resided at XXXX XXXX and never entered into a lease or tenancy at this property. Notwithstanding the absence of residency, this account was reported on or about XXXX, during the pendency of federal ADA and Fair Housing Act litigation, where I am a protected individual asserting disability-related rights. Furnishing a housing-related debt for a property where I never resided, particularly during active FHA litigation XXXX constitutes retaliation, interference, and inaccurate reporting under : 42 U.S.C. 3617 15 U.S.C. 1681 The furnisher failed to establish lawful tenancy, failed to conduct a reasonable investigation, and caused ongoing credit and financial harm during a federally protected period.

Professional Debt Mediation is reporting a collection account that has not been properly validated. I have not received documentation proving : - That Professional Debt Mediation owns this debt - That the amount reported is accurate - That I am legally obligated to pay this account This collection is being reported without proper verification, which violates the Fair Debt Collection Practices Act ( FDCPA ). I am requesting full validation or immediate deletion of this account from my credit report.

I am disputing an attempt to collect a debt that is not owed. I leased an apartment and terminated the lease early on XX/XX/year> under a signed Early Termination Addendum. Under that addendum, I paid the required {$2100.00} early termination fee in full, which the parties agreed would govern early termination of the lease. The addendum states that this early termination fee is the agreed remedy for ending the lease early and that the landlord waives the right to seek additional rent beyond the month in which possession was retaken. The lease separately references a {$1000.00} insufficient notice fee, but that provision applies only to situations where a tenant fails to give proper notice at the natural expiration of the lease term, not when the lease is ended early under the Early Termination Addendum. Despite this, the debt collector contacted me seeking the additional {$1000.00}, even though early termination was already resolved under the addendum and paid in full.…

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XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX Date : XXXX Re : Dispute of Collection Account Violations of 15 U.S.C. 1692 To Whom It May Concern, I am submitting this letter as a formal dispute of a collection account currently appearing on my consumer credit report. This dispute is made pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681, and involves violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Collection Agency Name : Professional Debt Mediation Account Number : * XXXX I dispute the accuracy and legality of this collection account. To date, I have never received proper validation of this alleged debt, as required under 15 U.S.C. 1692g. Additionally, the continued reporting of this account without lawful validation constitutes misleading and unfair practices under 15 U.S.C. 1692e and 1692f. Because the debt collector has failed to comply with the FDCPA, the reporting of this account is inaccurate and unverifiable.…

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