Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: AZ

Complaint narrative:
On XX/XX/year>, I submitted a dispute to all three credit bureaus to remove an inaccurate reporting from my credit profile of an account from ProCollect. The bureaus responded on XX/XX/year>, that the account was updated and verified. When I responded with a correspondence asking for a copy of the method used on how the account was verified and who verified the account, I received no response. On XX/XX/year>, I submitted a second dispute through the credit bureaus to dispute the same inaccurate account from ProCollect that continued to be reported to my credit profile. The bureaus came back and stated the account was again verified and updated. On XX/XX/year>, I asked all bureaus to provide me proof in which they were able to verify validity of this account belonging to me and from who and in which method this account was verified, and they have all failed to do so again. On XX/XX/year>, I wrote a dispute to the original creditor asking them to stop reporting the account to my credit profile as the account did not belong to me or send me debt validation with my original wet ink signature, and they in response mailed me a lease agreement that showed someone else 's information and someone else 's social security number with nothing proving the account belonged to me and nothing with my wet ink signature on any of the documents they provided. After confirming this inaccuracy, I rebutted and called ProCollect on XX/XX/year>, emailed a copy of the lease agreement they mailed to me showing someone else 's information, a copy of my social security card, and a copy of my driver 's license to show proof they were reporting inaccurate information that did not belong to me as well as a copy of a FTC report and they needed to immediately get this removed and corrected with the credit bureaus. However, ProCollect, XXXX XXXX specifically, refused to remove the reporting from my credit profile even with my current driver license and a copy of my social security card showing her that information they had did not belong to me and she needed to submit what was needed to the bureaus to correct this issue before it presumes to litigation against both her and the bureaus reporting this inaccuracy as it violates my rights under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681. On XX/XX/year>, I submitted a more prompt dispute through the CFPB to report this negligent behavior from both the original creditor, ProCollect, and the bureau involved in continuing to report this inaccuracy, and I am now being forced to file a lawsuit as this account is continuing to be reported as a past due collection even with sufficient evidence the account does not belong to me. Pursuant to 15 U.S. Code 1681c2, I have submitted an FTC identity theft report to get this account removed from my credit profile, and this law specifically states, " a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. '' It has been well over 4 days from receipt of this report, and I am using this last attempt to get the CPFB to correct this erroneous reporting and remove this account from any and all of my credit profiles immediately. I will no longer accept verified and updated as a response when I have proven time and time again this account does not belong to me, and I demand immediate removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation