Professional Debt Mediation, Inc.

On XX/XX/year> I was contacted by this debt collector stating I have a balance of XXXX from my of apartment on XXXX XXXX XXXX XXXXXXXX XXXX I asked them how & why would I have this balance if they stood with my deposit they stated I left apartment damaged which I know 100 % is a lie I never had this issue in any apartment I ever lived at I was going thru a hard time in life when I was living there & due to not paying rent on time they proceeded with an eviction but before it got to that I ended up leaving they are trying to Charge me for a whole month of rent that I didnt stay there for I had been moved out I have my new lease of my new apartment to prove it & there should of been cameras in hall ways that proved I left on time & wasnt living there & they are trying to charge me for damages I know I didnt do I asked for proof of all this & told them I moved out on time that what would they be charging me a XXXX transfer month of rent or for damages and they wasnt able to provide no…

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/year> Professional Debt Mediation, INC. ( PDM ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Certified Mail, Return Receipt Requested Account / Reference Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX RE : NOTICE OF DISPUTE AND DEMAND FOR DEBT VALIDATION To Whom It May Concern, I am writing this letter in response to your attempts to collect an alleged debt associated with the account number listed above. This letter constitutes a formal dispute of the validity, accuracy, and existence of this alleged debt. To date, your company has failed to provide any tangible, verifiable proof whatsoever that I owe this debt, that you have the legal right to collect it, or that the amount claimed is accurate. Pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I demand that you provide competent, legally binding evidence to validate this alleged debt.…

I am submitting this complaint regarding inaccurate and fraudulent collection reporting associated with identity theft. I recently completed and submitted an FTC Identity Theft Report regarding accounts being reported by your company that I do not recognize and did not authorize. I formally disputed these accounts and requested investigation, validation, and removal pursuant to FCRA Section 605B, 15 U.S.C. 1681c-2. Despite my dispute and identity theft documentation, these accounts continue to be reported and/or collected upon, causing significant harm to my consumer reports and housing opportunities.…

I lost my driver license and it was altered to a XXXX female how got an apartment under my name. I am a XXXX male that has never owned or rented under my name

XX/XX/year>, {$550.00}, Professional Debt Mediation. I applied for a place and I was denied because of inaccurate and negative reporting. It was reported as non payment of rent. I reach out original owner of debt and the debt collector about this matter. I also ask for it to be removed and a cancellation of debt ( XXXX ).

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

PROFESSIONAL DEBT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research, PROFESSIONAL DEBT XXXX is a debt collector. They are falsely reporting on my credit! Account XXXX is falsely reporting credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation.

XXXX \ [ Your Full Name ] [ Your Full Address ] [ City, State ZIP Code ] [ Email Address ] [ Phone Number ] Date : [ Insert Today 's Date ] To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX Subject : Formal Debt Validation and Cease Reporting Demand - FCRA XXXX, XXXX ( a ) ( XXXX ), XXXX XXXX ; FDCPA XXXX ( b ) - Account No. [ Insert Account Number or Reference Number ] To Whom It May Concern, This letter is a formal and lawful demand for full validation and immediate investigation o the account alleged to be associated with my name and credit file under the name of XXXX XXXX XXXX, managed or serviced by XXXX XXXX XXXX. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. CXX/XX/XXXXe XXXX ( b ), and the Fair Credit Reporting Act ( FRA ), 15 U.S. CXX/XX/XXXXe XXXX, XXXX, XXXX, and XXXX. Be advised that I am fully aware of my legal rights as a consumer.…

I am filing this complaint against TransUnion and XXXX XXXX XXXX for failure to validate a debt as required by the FCRA. Approximately XXXX months ago, I sent formal dispute letters to both XXXX and XXXX XXXX XXXX requesting full validation of this account, including the original signed contract and proof of debt. Neither company provided any of the requested documentation. More than 30 days ago, I sent a second round of letters to both companies, demanding they either provide the specific proof requested or delete the unverified account immediately. In response, TransUnion claimed the debt was 'verified ' but failed to provide any actual evidence, contracts, or documents to support this claim. I have never accepted this debt as mine, and despite my repeated requests, I have received XXXX proof of its legitimacy. The companies are in violation of the FCRA by continuing to report unverified information.…

I had ended a lease per the Soldiers and Sailor Relief Act and had my entire deposit of {$990.00} claimed as well as an additional for other damages. I received my final statement including what was owed on XX/XX/year> over email afte which I went into the office to attempt to dispute it to which I was told they could do nothing and to email the managament. I then explained in an email on XX/XX/XXXX as well that the damages were not mine and that I would like to dispute the charges before I paid. I detailed exactly what damages were not mine and what damages I claimed, including wear and tear for flooring. After multiple calls unanswered I had to stop calling them so I could go to my duty station at XXXX XXXX XXXX XXXX, IL where I did not have phone access. When I got my phone back I was informed my bill was in collections. This is negatively affecting my credit and I did everything in my power to pay what I owed, but the neither XXXX XXXX XXXX.…

I have a old rent collection from apartments out please years ago and because of this I can not get nowhere to live I'm basically living in a hotel taking care of my mother that has XXXX XXXX

I am submitting a complaint regarding a rental debt that is currently being reported by a third-party collection agency. This account does not appear to be collected or reported directly by the original apartment community, but instead by a collection agency. I have concerns regarding the accuracy and completeness of the information being reported. Specifically, I am requesting verification of the full account details, including the original creditor, the total balance, and the authority of the collection agency to collect and report this debt. At this time, I have not received sufficient documentation validating the accuracy of this account or confirming that all reported information is complete and correct. I am requesting that this matter be investigated, and that any inaccurate, incomplete, or unverifiable information be corrected or removed from my credit report in accordance with the Fair Credit Reporting Act.…

I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information.…

The documentation provided by the company contains multiple inconsistencies. The photos show only XXXX couch, yet I was charged for XXXX. The photos also show only XXXX trash bag, while I was charged for XXXX. Additionally, there is no itemized breakdown explaining how the charges were calculated. The company also failed to provide justification for full carpet replacement or evidence of damage beyond normal wear and tear. Due to these discrepancies and lack of proper validation, the debt remains inaccurate and unverified. I am requesting full deletion of this account from all credit bureaus.

police report was filed this account is inaccurate and unverifiable and need to be removed is part of identity theft. All credit bureau was contacted as well as identity theft.gov PROFESSIONAL DEBT MEDIATION XX/XX/year> XXXX $

I attempted to pay a settlement amount in good faith on XX/XX/year>, at approximately XXXX XXXX EST. I contacted Professional Debt Mediation, a collection agency acting on behalf of XXXX. XXXX XXXX ( XXXX. XXXX XXXX ), by phone. During this conversation, we agreed to a settlement amount of {$2200.00}, which is approximately 50 % of the alleged balance of {$4500.00}. The representative, XXXX, allowed me to select a payment date for the settlement, and I chose XX/XX/year>. Prior to submitting any payment, I requested a written settlement offer letter to clearly outline the terms of the agreement, including the original balance and the agreed upon settlement amount. Although I did receive the offer letter via email, it failed to clearly define key terms. Specifically, the letter listed two different balances : {$4500.00} and {$2200.00}. Without clearly stating which amount must be paid to satisfy the account as paid or settled.…

I paid the debt collector in full back in XXXX of 2022. I was told it would be deleted off my credit but is is currently saying I owe more than {$2500.00}. I need this taken off immediately. I a currently having health issues and it is crucial for me to obtain housing

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 a debt being collected by Professional Debt Mediation related to a prior apartment lease. This debt is inaccurate, inflated, and not properly validated. The company is attempting to justify charges using photographs that were taken during my tenancy, not after I moved out. These images do not reflect the condition of the unit at move-out and can not be used to support post-tenancy damage claims. Presenting in-tenancy photos as move-out evidence is misleading and does not establish liability. There are also clear inconsistencies in the charges : The move-out statement lists a {$200.00} charge for wall/crayon markings, yet the only invoice provided is for {$970.00} for painting services. This invoice does not match the amount charged and appears to be a general or full repaint, not a charge specific to my unit or actual damage.…

My name is XXXX XXXX, and I am writing to formally dispute a debt collection account reported by PROFESSIONAL DEBT ME under account number XXXX. This account, with a reported balance of {$330.00}, is currently listed on my credit reports with XXXX XXXX and XXXX and is negatively impacting my credit scores, which are currently XXXX, XXXX, and XXXX, respectively. I have consistently maintained that this debt is not mine. I have no knowledge of any account that would result in this collection attempt. I have taken several steps to resolve this issue, including filing disputes on three separate occasions : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>. Each time, the dispute was returned with an automated response stating that the details were verified as accurate. However, I have not received any substantial evidence from PROFESSIONAL DEBT ME proving that this debt is mine or any original documentation that ties me to this account.…

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.…

I didnt recieve any communcation about this debt. no phone calls emails or letters. now its on my credit report this is not fair practice as it preventing me from buying a home. collection agency PROFESSIONAL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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.…

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.

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.…