Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> Experian XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Demand for Immediate Deletion of Unlawful/Incorrect Collection Accounts To Whom It May Concern, I am formally disputing the following collection accounts currently reported on my Experian credit file. These accounts are inaccurate, unlawful, and in violation of multiple federal statutes, and I demand immediate deletion within 15 calendar days pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), HIPAA ( 45 CFR 164.502 ), and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 et seq. ). 

The continued reporting of these accounts is causing financial and emotional distress and constitutes willful, negligent, and illegal conduct by all parties involved. 



Accounts in Dispute XXXX XXXX XXXX Account # XXXX | {$980.00} | Original Creditor : XXXX Acute Care Solutions Legal Grounds : XXXX ( XXXX XXXX XXXX ) Unauthorized disclosure of private medical information. XXXX XXXX has no permissible purpose to access, purchase, or report this debt. 

FDCPA 807 ( 8 ) False, deceptive, and misleading debt collection practices.

FCRA 607 ( b ), 611 ( a ) Failure to maintain accurate information and conduct a reasonable reinvestigation upon dispute. 

Action Requested : Permanent deletion due to illegal sale of medical information and unverifiable debt. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX | {$330.00} Legal Grounds : FCRA 1681i ( a ) Right to dispute inaccurate information ; Experian must delete unverifiable accounts.

FDCPA 807 ( 2 ) Misrepresentation of the character and amount of the debt.

FCCPA 559.72 Unlawful collection practices in Florida. 

Action Requested : Permanent deletion ; account is unverified and inaccurate. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX | {$740.00} Legal Grounds : FCRA 1681i ( a ) ( 5 ) Duplicate accounts violate accuracy standards.

FDCPA 807 ( 2 ) ( A ) Reporting multiple debts for the same alleged obligation is misleading.

FCCPA 559.72 ( 9 ) Threatening to report false or nonexistent debts.

Action Requested : Immediate removal due to duplicate, unverifiable debt reporting. 

XXXX XXXX XXXX XXXX XXXX Account # XXXX | {$1300.00} Legal Grounds : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting information known to be inaccurate ; the original creditor is bankrupt and no longer in business.

FDCPA 809 ( a ) Requires debt validation before reporting ; failure to verify constitutes unlawful reporting. 

Action Requested : Immediate deletion due to unenforceable debt from a defunct creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # XXXX | {$48.00} Legal Grounds : FCRA 605 ( a ) Reporting trivial, non-scoreable balances as collections is misleading. 

FCRA 1681e ( b ) Experian failed to maintain reasonable procedures to ensure maximum possible accuracy.

Action Requested : Immediate deletion ; account is inaccurate, misleading, and prejudicial. 

ONLINE INFORMATION SERVICES/ XXXX Regional Utility Account # XXXX | {$700.00} Legal Grounds : FDCPA 807 ( 2 ) ( A ) False representation of the debt ; company issued a check of {$780.00}, deducted {$120.00} for rent, yet reported an outstanding balance. 

FCRA 611 ( a ) ( 1 ) Experian failed to conduct a reasonable reinvestigation of a clearly inaccurate account.

FCCPA 559.72 Misleading and deceptive collection in Florida.

Action Requested : Permanent deletion due to fraudulent, misleading, and unlawful reporting. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX/ RISE Account # XXXX | {$870.00} Legal Grounds : FDCPA 807 ( 2 ) ( A ) Company issued a check for {$780.00} and deducted {$120.00} rent owed but still reported the account as delinquent. 

FCRA 607 ( b ), 611 ( a ) Experian failed to verify and investigate the reported debt, violating maximum accuracy standards.

FCCPA 559.72 Unlawful and deceptive collection practices under Florida law.

Action Requested : Permanent deletion due to fraudulent and misleading reporting that causes financial and emotional hardship. 



Demand : I demand Experian delete all above accounts from my credit report within 15 calendar days of receipt of this letter. 


This letter constitutes formal notice of Experians legal obligation to correct these errors and remove unlawful accounts. 

Sincerely, XXXX XXXX

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