Consumer complaint received 2026-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
DEMANDING CFPB INTERFERENCE IN THIS ONGOING ISSUE!! I NEED HELP! Re : Rebuttal to CFPB Complaint Nos. XXXX and XXXX This filing is my third CFPB complaint regarding this matter and serves as my formal rebuttal to both of my previous CFPB complaints, as well as the responses submitted by ProCollect. ProCollect is attempting to collect an alleged debt in the amount of {$3000.00} on behalf of XXXX at XXXX XXXX. From the outset of this dispute, I have consistently exercised my right to request validation of this alleged debt because I do not believe the debt has been substantiated. In both of my previous CFPB complaints, I specifically requested documentation sufficient to establish that this debt is legitimate and legally owed by me. My requests included, but were not limited to : A complete copy of the lease agreement bearing my signature. Any lease renewals, amendments, or extensions. An itemized move-out statement identifying every charge being claimed. A complete payment ledger showing all charges, credits, and payments. Documentation supporting any claim for unpaid rent. Documentation supporting the alleged early termination fee, including the lease provision authorizing such a charge and proof that the lease was actually terminated early. Move-out inspection reports. Repair invoices, photographs, or any documentation supporting alleged damages. Any documentation showing exactly how the balance of {$3000.00} was calculated. Despite making these requests in two separate CFPB complaints, ProCollect has failed to provide any of the documentation necessary to validate this alleged debt. Instead, ProCollect merely mailed what appears to be a self-generated, one-page invoice containing generalized descriptions such as " rent, '' " late charges, '' and " early termination fee. '' This document is not validation of a debt. It contains no signed lease, no lease renewals or extensions, no payment history, no accounting ledger, no move-out inspection report, no invoices, no repair documentation, no photographs, no proof of damages, no proof of unpaid rent, no documentation establishing that an early termination actually occurred, no documentation showing when the lease was scheduled to expire, and no evidence demonstrating how the balance being claimed was calculated. Most concerning, the document itself appears to contain a designated signature line for management approval that is completely unsigned. An unsigned, internally generated invoice created by either the creditor or its collection agency is not independent evidence that a debt exists, that the amount claimed is accurate, or that it is legally enforceable. It is merely an unsupported assertion by the party attempting to collect the debt. Even more troubling is ProCollect 's handling of my CFPB complaints. After carefully reviewing the responses submitted to both of my previous complaints, it is apparent that ProCollect simply copied and pasted its original response into the second complaint. The responses are virtually identical. The only substantive difference is that, in response to my first complaint, ProCollect stated that it " will mail proof of the debt to the consumer today on XXXX. '' In response to my second complaint, they merely changed that sentence to state that they " sent the proof on XXXX. '' Everything else remained substantially the same. This demonstrates that ProCollect did not conduct a new investigation, did not review the specific issues raised in my second complaint, and did not respond to my renewed request for actual debt validation. Instead, they recycled the same boilerplate response while completely ignoring the substance of my dispute. More importantly, what ProCollect claims to have mailed on XX/XX/XXXX still does not constitute validation. Mailing the same unsupported internal invoice does not satisfy my repeated requests for the underlying documentation establishing that I legally owe this debt. My second complaint clearly explained why the document previously provided was inadequate and specifically identified the documentation that remained missing. Rather than addressing any of those deficiencies, ProCollect simply submitted the same canned response and ignored every issue I raised. This pattern demonstrates an unwillingness to meaningfully investigate my dispute or provide competent evidence supporting the debt they continue to report. I am not required to pay {$3000.00} simply because a collection agency claims I owe it. If ProCollect is asserting that I have a legal obligation to pay this debt, then they should be able to produce the documents proving it. To date, they have failed to do so despite being given multiple opportunities through the CFPB complaint process. Their continued refusal to provide the requested documentation while simultaneously reporting this account to the nationwide consumer reporting agencies is causing substantial and ongoing financial harm. I am currently attempting to purchase a home, and this unverified collection account has already caused me to lose a home-buying opportunity. It continues to negatively impact my creditworthiness and my ability to qualify for mortgage financing. Consumers should not be forced to repeatedly dispute the same account while a collection agency responds with recycled, boilerplate language instead of conducting a meaningful investigation and producing competent documentary evidence. At this point, this matter has been before the CFPB on three separate occasions, and ProCollect still has not produced the basic documentation necessary to establish that this alleged debt is valid, accurate, or legally enforceable. The burden is on ProCollect to substantiate the debt they are attempting to collectnot on me to simply accept their unsupported assertions. Accordingly, I respectfully request that the CFPB require ProCollect to do one of two things : Produce complete documentary evidence validating this alleged debt, including the signed lease agreement, any renewals or extensions, a complete payment ledger, move-out documentation, documentation supporting every charge claimed, and all other records necessary to establish both liability and the accuracy of the amount being reported ; or Immediately cease all collection activity and request the permanent deletion of this collection account from XXXX XXXX, and XXXX because XXXX despite XXXX CFPB filings and repeated opportunities to substantiate the debt, ProCollect has failed to provide competent evidence that this alleged obligation is valid. I have acted in good faith throughout this process. I have repeatedly requested documentation that any reasonable consumer would expect before paying thousands of dollars to a collection agency. Rather than providing that documentation, ProCollect has repeatedly relied on an unsigned, self-generated internal invoice and recycled responses that fail to address my legitimate requests. After XXXX CFPB complaints, ProCollect has demonstrated either an inability or an unwillingness to validate this alleged debt. Their continued reporting of an unsubstantiated collection account is causing ongoing financial harm and undermines the accuracy and integrity of my credit file. For these reasons, I respectfully request that the CFPB require the immediate deletion of this collection account from XXXX, XXXX, and XXXX and grant the relief requested in my prior complaints.

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