Consumer complaint received 2024-12-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ProCollect, Inc. (TX)

A dispute that I have filed with the three credit reporting agencies, XXXX, XXXX and XXXX XXXX regarding inaccurate information on my report. 

In XXXXXXXX XXXX XXXXXXXX, I became aware of a debt reported on my credit reports. The amount reported is for {$2100.00}. The reporting collection agency is Pro-Collect ; acting on behalf of XXXX XXXX where I once resided. 

I promptly disputed this reported debt in accordance with the Consumer Financial Protection Bureau guidelines for How to I dispute an error on my credit report ( Attachment A ). and XXXX XXXX, XXXX Direct Disputes ( Attachment B ). 

I disputed this debt owed with the three credit bureaus, XXXX, XXXX and XXXX XXXX in accordance with the dispute process. 

I have requested from the furnisher and the crediting reporting agencies to validate this debt. To date, I have received no response. This negative information is and has impacted my chances of obtaining home ownership. The bank has rejected my application for loan financing due to this negative information on my credit reports. 

Outlined below are the steps taken and their corresponding dates of action, that I have taken with each credit reporting agency along with the supporting documentation to confirm these actions. 

XXXXXXXX XXXX XXXX XXXX Certified Letter - Notice of Dispute and request to furnish me with supporting documentation validating the debt reported to the credit report agencies XXXX XXXX XXXX XXXX. 

Return Receipt Attachment XXXX Copy of Letter sent to Pro-Collect Collection Agency advising that the information reported to them by XXXX House is being disputed. 
( XXXX  XXXX ). 

Pro-Collect Collection Agency Acting on behalf of Furnisher Certified letter sent advising that collection item being reported has been disputed ( XXXX  XXXX ) Return Receipt ( XXXX  XXXX ) XXXX XXXX Mailed via US Postal Service letter to XXXX XXXX, dated XX/XX/XXXX, disputing reported debt information by XXXX XXXX. ( XXXX  XXXX ). 

Online dispute letter submitted on-line XX/XX/XXXX ( XXXX  XXXX ) Confirmation of submittal ( Attachment XXXX ) XXXX Mailed via US Postal Service letter to XXXX XXXX XXXX XX/XX/XXXX, disputing reported debt information by XXXX XXXX  ( XXXX  XXXX ) XXXX 

On-line Dispute letter submitted XX/XX/XXXX ( XXXX  XXXX ). 

Confirmation of submittal XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX notice of completed investigation of dispute ( Attachment XXXX ) XXXX  Mailed via US Postal Service letter to XXXX, dated XX/XX/XXXX, disputing reported debt information by XXXX XXXX. ( XXXX  XXXX ). 

Pro-Collect on-line dispute submitted XX/XX/XXXX ( Attachment XXXX ) Dispute Results stating information furnished has been validated ( Attachment XXXX Online submission of Appeal Letter to XXXX to Dispute Findings dated XX/XX/XXXX, and submittal confirmation ( XXXX  XXXX & XXXX ). 

Letter to request Experians validation process ( Attachment XXXX ). 

Letter to request File Disclosure dated XX/XX/XXXX ( Attachment XXXX ). 

Consumer Financial Reporting Regulations state that if the reported information is not validated by the Furnisher upon request by the consumer, the information is deemed unvalidated and is to be removed from all credit reports.

The Furnisher has not complied with the consumer request to furnish supporting documentation for their claim o
f a debt owed within the 30 day required time period from the date of the request. Additionally, as of this writing, the requested information has not been received from the Furnisher.

The Summary of Your Rights Under the Fair Credit Reporting Act ( Attachment C ) states the following : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

FCRA 611 ( 15U.S.C. 1681I ) Item # XXXX item ( i ) ( Attachment D ) states the following : promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the results of the reinvestigation As documented and stated within, the furnisher has been non-compliant with the request by this consumer to forward supporting documentation to validate their claim. Failure to submit this documentation with the required XXXX makes the debt unvalidated and should be removed from all the consumers credit reporting files. 

The process outlined above and the non-compliance of my request to validate the debt owed, the reported information is the basis of my request to you to enforce the regulations as set forth by the Consumer Financial Protection Bureau, by directing the to direct the Credit Reporting Agencies to immediately remove the unvalidated debt information reported by XXXX XXXX XXXX and ProCollect Collection Agency ; and to cease and desist with further reporting of this item. 

As of this writing, my requests have yet to be complied with by XXXX XXXX, XXXX, XXXX or XXXX. 

Since my request to XXXXXXXX XXXX XXXX to furnish the appropriate documents have gone unfulfilled, this debt owed of {$2100.00} is deemed unvalidated and should be promptly removed in accordance with FCRA subsection 611 ( 15 U.S.C. subsection 1681I ) Procedure in Case of Disputed Accuracy.

I am requesting the Consumer Financial Protection Bureau review my dispute and all supporting documentation and enforce the regulations as set forth by the Consumer Financial Protection Bureau, with the removal of the unvalidated information stated within this letter.