Consumer complaint received 2024-05-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc. (WI)

An improper, negative credit report entry was claimed by Pro Collect, which I only learned of through a XXXX XXXX notification. I had no notice of or opportunity to dispute the unverified and untrue adverse claim, have no information regarding the identity of and no details about Pro Collect beyond the XXXX XXXX notification ( limited to its name and XXXX XXXX XXXX as the claimed creditor ), and have never received any communication from Pro Collect. I owe nothing to Pro Collect or XXXX XXXX. 

The Consumer Financial Protection Bureau mandates a debt collector present a validation notice and contact an alleged debtor before it sends information about the alleged debt to a credit reporting company, none of which occurred. The collector is required to but did not speak with me in person or by telephone, and never mailed a letter or sent an electronic communication to me. 

If an alleged debt is purchased by a collection agency, they must notify the alleged debtor ; no notification was received. The law requires receipt of written notice within five days of the debt collector 's first attempt at contact ( no contact in this case ) which must include the amount claimed, the name of the original creditor, and a statement of the right to dispute the debt, along with a tear-off form that can be sent to the collector to dispute the debt or take other actions. See 15 USC Section 1692g. Again, there was no communication whatsoever from Pro Collect and their claim is unfounded. Pro Collect has violated Section 809 and other provisions of the Fair Debt Collection Practices Act, 15 U.S.C. Section 1681s-2, and other provisions of the Fair Credit Reporting Act. In addition to the immediate removal of the false report, Pro Collect is subject to civil and other penalties. See 15 USC Section 1692k, et al. Specifically, I was not furnished with the name and mailing information of the debt collector ( only know the name because of XXXX XXXX ), name of alleged creditor ( only known because of XXXX XXXX ), account number associated with the debt ( none shown ), itemization of the current amount of the debt ( no valid debt, claimed amount not itemized ), current amount claimed for the alleged debt ( no amounts owed and no validation notice provided ), or information about debt collection rights, including how to dispute the debt ( never provided ).

This is a request for your review of this matter, removal of the inaccurate, unsupported, and improper information wrongly claimed in my financial file and restoration of my excellent credit score, cessation of collection efforts for the non-existent debt, and imposition of appropriate sanctions against Pro Collect. I owe nothing to Pro Collect or XXXX XXXX and have no liability whatsoever to either ; any claim and report are fraudulent and false, and there exists no legitimate support for the invalid assertion in the credit report. The incorrect and improper reporting has resulted in severe and negative consequences to me. I note the extensive complaint history against Pro Collect in the CFPB database, which is reinforced by substantial negative entries with XXXX XXXX XXXX, XXXX, and others.