Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Procollect , Inc . 


Cease and Desist Request Unlawful Debt Collection Practices and Disputes Regarding False Debt Reporting Dear Sir/Madam, I am writing to formally demand that Procollect, Inc. cease and desist from any further communication and debt collection attempts regarding the debts you have alleged against me. The accounts referenced are : XXXX XXXX, Account Number : [ Begins with XXXX ], Amount : {$390.00} XXXX XXXX XXXX, Account Number : [ Begins with XXXX ], Amount : {$250.00} I believe these debts are inaccurately attributed to me, and I have never had any business dealings with either XXXX XXXX XXXX XXXX XXXX XXXX Therefore, I contest that these alleged debts are valid. 

Additionally, I was never afforded an opportunity to dispute or request verification of the debts prior to your agency placing them on my credit report. This failure to provide proper validation of the debts and the subsequent reporting of them to credit bureaus has caused significant harm to my credit profile. As a result, I have been unable to secure necessary funding for home repairs during XXXX national disasters, which has exacerbated the distress caused by your unlawful debt collection activities. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ), you are required to provide me with a written notice of the debt, including an itemized statement of the debt and a request for verification. To date, you have failed to do so, and instead, you have falsely reported these debts to the credit bureaus without allowing me an opportunity to dispute them as required by law. 

I also want to bring your attention to the false and misleading response that was provided by Procollect , Inc. to my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ). I will be resubmitting my complaint along with proof of the collection attempts, including evidence of communication made outside of business hours, as well as records showing that no valid verification of the debts was provided prior to your report to credit agencies. 

Therefore, I demand the following actions be taken immediately : Cease and desist all communication with me, including phone calls, letters, or any other means of contact regarding the alleged debts. 
Remove the inaccurate debt information related to XXXX XXXX and XXXX XXXX XXXX from my credit reports with all credit bureaus, including but not limited to XXXX, XXXX, and XXXX. 
Provide proof of validation for any alleged debts you are attempting to collect, including a detailed account of how the debts were incurred, the original creditor 's name, and any documents showing that I am legally responsible for these debts. 
Provide written confirmation that the information you reported to credit bureaus has been retracted and corrected. 
Should you fail to comply with these requests, I will have no choice but to pursue further legal actions, including reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seeking relief through the courts for violations of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 

I expect your prompt attention to this matter. Please confirm in writing within XXXX days that you have taken the necessary steps to correct the false reporting and cease your collection efforts. 

Sincerely, XXXX XXXX