Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Formal Complaint Against Pro Collect , Inc. and XXXX XXXX XXXXXXXX for Deceptive Practices, Violation of Consumer Rights, and Ignoring Legal Settlement Attempts Introduction : I am filing a complaint against Pro Collect , Inc. and XXXXXXXX XXXX XXXXXXXX due to their engagement in deceptive leasing practices, unauthorized dealings on my behalf, and the mishandling of a debt that has unjustly impacted me. This situation has been further aggravated by their failure to respond to a settlement attempt made by my attorney, exacerbating my existing XXXX  health conditions. 

Narrative of Events : My ordeal began with what I was led to believe was a month-to-month lease with XXXXXXXX XXXX XXXXXXXX, given the apartment 's poor condition, which I promptly documented and communicated to them. I informed them of my decision not to move in, as the living conditions were not as promised. Unbeknownst to me, a 12-month lease was executed on my behalf through electronic signing by my mother, coerced by the lessor, without my direct consent or knowledge. Additionally, my mother was seemingly co-signed on this lease without our clear understanding or agreement. 

Due to my significant XXXX  health challenges in XXXX, my mother handled communications on my behalf. Without any consent or prior knowledge from me, this alleged debt was then sold to Pro Collect , Inc., a company that has exhibited a complete lack of communication and transparency, obstructing any possibility of resolving the issue. Furthermore, my attorney 's attempts to negotiate a settlement with Pro Collect , Inc. and XXXX XXXX  XXXX have been met with silence, showing a disregard for resolving this matter amicably. 

Violations and Requested Resolution : Electronic Fund Transfer Act ( EFTA ) and Truth in Lending Act ( TILA ) : The unauthorized signing and the lack of transparency regarding the lease agreement may violate these acts. 

Fair Debt Collection Practices Act ( FDCPA ) : The failure of Pro Collect, Inc. to provide a means of communication or to acknowledge a legal settlement offer potentially violates the FDCPA. 

Americans with Disabilities Act ( ADA ) : The failure to accommodate my condition during this process, and the coercion involved, may breach the ADA. 

I request the CFPB to : Conduct an in-depth investigation into both entities regarding their handling of my lease and the debt. 
Mandate the correction of inaccuracies related to this debt on my credit report and ensure the removal of any derogatory marks stemming from this issue. 
Seek monetary compensation for the distress and financial harm caused by their negligent actions. 
Require Pro Collect , Inc. and XXXXXXXX XXXX XXXXXXXX to acknowledge and respond to my attorneys settlement attempts, facilitating an equitable resolution. 
Conclusion : The negligent and deceptive actions of Pro Collect, Inc. and XXXXXXXX XXXX XXXXXXXX have not only infringed upon my rights as a consumer but have severely affected my XXXX  health and financial well-being. I implore the CFPB to take swift action to rectify these wrongs and hold the responsible parties accountable. 

Sincerely, XXXX XXXX