Consumer complaint received 2025-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, acting Pro XXXX pursuant to Florida Statutes XXXX and reserving all rights under UCC 1-308 without prejudice, hereby file this formal complaint against XXXX, XXXX for the unvalidated and inaccurate reporting of a collection account in the amount of {$2500.00} ( original balance {$4800.00} ), listed as " collection account '' on my Experian credit report ( dated XX/XX/XXXX, account number XXXX, opened XX/XX/XXXX, status updated XX/XX/XXXX, account type Collection, status Collection account, balance updated XX/XX/XXXX, original creditor XXXX XXXX  XXXX / XXXX XXXX, XXXX Joint, terms 1 Month ), on my Equifax credit report ( dated XX/XX/XXXX, Confirmation # XXXX, account number * XXXX ), and on my TransUnion credit report ( File # XXXX, dated XX/XX/XXXX, date updated XX/XX/XXXX, high balance {$4800.00}, pay status Collection, remarks Placed for collection, estimated removal XXXX/XXXX, loan type XXXX XXXX  ). This reporting constitutes multiple willful violations of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681s-2 ( b ) ( failure to conduct a reasonable investigation upon notice of dispute ), 1681b ( lack of permissible purpose for accessing and reporting on my consumer report, as the debt is unverified and potentially unenforceable ), 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy of reported information ), 1681i ( noncompliance with procedures in case of disputed accuracy, including timely reinvestigation ), and specifically 1681i ( 1 ) ( A ) ( failure to conduct a reasonable reinvestigation free of charge within 30 days of receiving notice of the dispute ). Additionally, this breaches the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( failure to provide debt validation upon request, including the original creditor 's name, amount owed, and consumer rights notice ), and Florida 's XXXX XXXX Practices XXXX, XXXX XXXX. XXXX ( prohibiting the collection or threat to collect debts through false, deceptive, or misleading representations, and XXXX requiring written notice of assignment before collection attempts ). 
Despite my prior disputes and demands for validation, XXXX, XXXX has not provided any verifiable evidence of the debt 's legitimacy, such as the original signed contract, complete chain of assignment or securitization details ( including the name of any trust, date of closing, assignment contract, and proof of transfer ), itemized statements showing how the alleged balance was calculated, payment history, or proof that the debt is legally enforceable under applicable statutes of limitations ( e.g., Florida 's XXXX limit for written contracts under XXXX XXXX XXXX XXXX ( XXXX ) ( b ) ). Furthermore, no IRS Form XXXX has been issued or provided for this charged-off debt exceeding {$600.00}, violating IRS requirements under 26 U.S.C. 6050P and Treasury Regulation XXXX, which mandate reporting of canceled debts to both the consumer and the IRS. The absence of such documentation suggests this reporting XXXX stem from a data breach, negligent merging of files, or identity theft, as my personal information across bureaus is inconsistent ( e.g., incorrect addresses and phones on Equifax and Experian reports ). This inaccurate reporting has caused substantial harm, including lowered credit scores ( e.g., Experian XXXX XXXX ), denial of credit opportunities, higher interest rates, and emotional distress, entitling me to actual damages, statutory damages up to {$1000.00} per violation under XXXX XXXX. XXXX ( willful noncompliance ), and punitive damages. 
I demand an immediate and thorough reinvestigation under 1681i ( XXXX ) ( A ), full validation of the debt as required by XXXX, provision of the XXXX, and permanent deletion of this item from all credit reports if it can not be fully validated within 30 days. Failure to comply will be treated as continued willful violation, subjecting XXXX, XXXX to further liability. Enclosed are my XXXX XXXX for identity verification and copies of my TransUnion, Equifax, and Experian credit reports highlighting discrepancies.

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