Consumer complaint received 2024-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ProCollect, Inc.
State: NV

Complaint narrative:
Procollect has not provided the requested information to verify this debt including a signed contract for this debt by me. This must be deleted from all bureaus immediately. 

I noticed that you are reporting the referenced account from XXXX XXXX XXXX, even though there is not a valid debt. This is a violation of the FCRA and I respectfully request that this account be deleted immediately. According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. Utility companies and rental management companies do not offer credit and therefore, do not fall under this category. No credit was applied for, or received, and no credit can be reported. A business does not have the right to place items for collection or list them on credit reports simply because it states that money is owed to said business, it would be credit applied for and issued to a consumer. Please see below that no offer of credit was given nor applied for. FCRA Section 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( what credit lines can be reported ). A firm offer of credit or insurance. The term " firm offer of credit or insurance '' means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : The consumer being determined, based on information in the consumer 's application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established : ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification : ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using the information in a consumer report on the consumer, information in the consumer 's application for the credit or insurance, or other information bearing on the creditworthiness or insurability of the consumer; or ( B ) of the information in the consumer 's application for credit or insurance, to determine that the consumer meets the specific criteria bearing on creditworthiness or insurability. ( XXXX ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was : ( A ) established before the selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. I also noticed that I never received validation of this debt and validation of the collector having the ability to collect on this debt. I am requesting all documentation and competent evidence regarding this debt. The company simply stated that I owe such a debt is not sufficient evidence and contracts with signatures are required. The company showing an a list of charges is also not acceptable verification of a debt there must be proof that I owe debt with signatures, not that a business states I owe debt with a list of charges. I expect all contracts with physical signatures and rental ledger to be provided to me at this time. If any information is found to be incorrect it is a violation of the FCRA and I respectfully request that this listing is deleted immediately. According to section 611 of the FCRA, inaccurate information contained within a consumer report must be accurate. The account that is not accurate is as follows ; XXXX. XXXX XXXX XXXX and Procollect Here 's the exact text to which 1refer : FCRA Section 611. Procedure in Case of Disputed Inaccuracy ( 15 U.S.C. 1681a ) J ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the tile of the consumer. ( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ). the information may not be reinserted in the tile by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate with competent evidence.

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