Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Complaint Type : Debt Collection Company : ProCollect Inc Account : XXXXXXXX XXXX XXXX XXXX XXXX Issue : False validation, continued collection after dispute, and misrepresentation of compliance Complaint Title ProCollect Inc. Falsely Claimed Debt Validation and Continued Collection in Violation of FDCPA Complaint Narrative I am submitting this second complaint against ProCollect Inc. due to the companys failure to comply with federal debt collection laws and for misrepresenting compliance in its response to my prior CFPB complaint.

ProCollect Inc. previously claimed that it mailed proof of the debt to me on XX/XX/year>. However, ProCollect has never provided any documentation that satisfies the validation requirements under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : No copy of any contract bearing my signature No proof of assignment or chain of title No documentation demonstrating ProCollects legal authority to collect No itemized accounting from the original creditor Merely asserting that documents were mailed does not constitute validation under FDCPA 1692g ( b ). ProCollects response to the CFPB contained no description of what documentation was allegedly provided and therefore constitutes a false representation of compliance.

Furthermore, ProCollect improperly attempted to shift the burden to me by stating that I had not provided proof that the debt was invalid. This is a misstatement of law. Under the FDCPA, the burden of validation rests entirely with the debt collector, not the consumer.

Despite my dispute, ProCollect continued collection activity by inviting payment in its CFPB response. Continued collection activity after a disputed debt without proper validation violates FDCPA 1692g ( b ).

ProCollects conduct constitutes violations of : FDCPA 1692g ( b ) failure to properly validate a disputed debt FDCPA 1692e false or misleading representations FDCPA 1692f unfair collection practices In addition, ProCollects response to the CFPB misrepresented its compliance status and attempted to portray noncompliance as lawful validation, which undermines the integrity of the CFPB complaint process.

Resolution Requested I respectfully request that : ProCollect Inc. be required to provide competent legal validation of this alleged debt, including full chain of title and contractual proof.

ProCollect Inc. be required to cease all collection and reporting activity until lawful validation is produced.

If ProCollect can not provide proper validation, the account must be permanently removed from all consumer reporting agencies.

The CFPB record reflect that ProCollects prior response did not constitute lawful validation under the FDCPA.

Consumer Impact Statement This matter has caused ongoing harm through improper collection attempts and continued reporting of an unverified debt. I have acted in good faith, while ProCollect has relied on unsupported assertions rather than lawful documentation.

Publication Consent I consent to this complaint being published after CFPB redaction of personal information.

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