Consumer complaint received 2025-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: IA

Complaint narrative:
Pro-Collect XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Formal Dispute of Debt and Reporting Inaccuracies To Whom It May Concern, I am writing to dispute any and all debts alleged to be owed to your agency. Additionally, I have identified multiple inaccuracies on my credit report that are directly linked to your agencys reporting. These inaccuracies are in violation of federal laws and have negatively impacted my creditworthiness. Remove them immediately or legal action will be taken!

Pursuant to 15 U.S. Code 1637 ( 2 ) ( 9A ), 15 U.S. Code 1681, 15 U.S. Code 1681s-2 ( a ) ( 3 ), and 15 U.S. Code 1681e ( b ), I am asserting my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. Specifically : 1. 15 U.S. Code 1637 ( 2 ) ( 9A ) : I demand full disclosure of any and all documentation related to the alleged debt, including the original contract or agreement that establishes my liability. If no such documentation exists, this debt must be considered invalid and removed from my credit report.

2. 15 U.S. Code 1681 : Your agency has a responsibility to ensure the accuracy, fairness, and privacy of information reported to consumer reporting agencies. The inaccurate reporting of this alleged debt violates these provisions.

3. 15 U.S. Code 1681s-2 ( a ) ( 3 ) : You are required to update or correct information you have reported to credit reporting agencies. Failure to correct or remove inaccurate information constitutes a breach of your legal obligations.

4. 15 U.S. Code 1681e ( b ) : Consumer reporting agencies must maintain procedures to ensure maximum possible accuracy of reported information. Your failure to provide accurate information has resulted in harm to my credit report and is a violation of this statute.

I demand that you immediately : Provide all documentation validating the debt, including the original contract, the name and address of the original creditor, and proof of your agencys right to collect. 
Cease all collection activities on the disputed debt until validation is completed. 
Investigate and correct all inaccuracies reported to consumer reporting agencies. 
Notify all credit reporting agencies to which you reported this debt of the dispute and inaccuracies within the timeframe required by law. 

Please be advised that any further reporting of inaccurate or unverified information will be considered a willful violation of federal law, and I reserve the right to pursue all available legal remedies to protect my rights. 

I also revoke any consent for your agency to contact me via text messages. All future communication must be in writing and sent to my mailing address listed above. 

This is a formal demand for compliance under federal law. I request that you respond to this dispute with all requested documentation within 30 days of receipt of this letter. Failure to validate the debt or correct inaccuracies will result in further action.

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