Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect Inc. is unlawfully reporting an alleged {$9800.00} apartment lease debt from XXXX XXXX XXXX to my credit file. The lease in question was co-signed by myself, my siblings, and my late mother, who was the primary leaseholder and financial provider. She has since passed away, and by law, any obligation tied to her lease should not be reassigned entirely to me or reported as solely my responsibility. 

At no point did I ever sign or authorize any agreement giving ProCollect access to my personal data. I never gave permission for my personal information to be shared, transferred, or sold to this company. By law, they are required to show documentation that I agreed for my name, Social Security number, address, and private financial information to be released to them. No such authorization exists.

I was never notified or introduced to ProCollect, nor was I ever given any notice that this company would be reporting on my credit file. This v
iolates my rights under federal consumer protection laws.

ProCollect has failed to provide : A copy of the original signed lease agreement with all co-signers clearly listed.

A final move-out statement with an itemized breakdown of how the alleged {$9800.00} balance was calculated.

Proof that I signed or agreed to allow my personal information to be transferred to ProCollect.

Documentation proving they were lawfully assigned this account and have the right to report or collect.

Legal evidence showing that co-signer responsibility was divided correctly and not falsely placed solely on me.

Their actions violate numerous provisions of federal law : FCRA 602 ( a ) : Reporting must be fair and accurate. Applying the full {$9800.00} balance solely to me is inaccurate and unfair.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Furnishers must ensure maximum accuracy. Reporting this debt under my name only is inaccurate.

FCRA 609 ( a ) ( 1 ) : Consumers are entitled to full disclosure of information in their file. I have not been given the lease, itemized charges, or assignment paperwork.

FCRA 604 [ 15 U.S.C. 1681b ( f ) ] : A consumer report can not be obtained or used without a permissible purpose. ProCollect has not shown they have legal authorization.

FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : Furnishers can not report information they know or should know is inaccurate.

FCRA 611 [ 15 U.S.C. 1681i ] : Furnishers and CRAs must reinvestigate disputes. ProCollect continues reporting without validation.

FCRA 605 ( a ) ( 4 ) [ 15 U.S.C. 1681c ( a ) ( 4 ) ] : Prohibits reporting accounts that are not legally collectible, including those tied to a deceased primary obligor.

FDCPA 807 ( 2 ) ( A ) [ 15 U.S.C. 1692e ( 2 ) ( A ) ] : Misrepresentation of the character, amount, or legal status of a debt is prohibited.

FDCPA 807 ( 10 ) [ 15 U.S.C. 1692e ( 10 ) ] : Prohibits deceptive means to collect a debt. Reporting without validation or consent is deceptive.

FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] : Once disputed, the collector must cease collection and reporting until full validation is provided. ProCollect has ignored this.

FDCPA 805 ( b ) [ 15 U.S.C. 1692c ( b ) ] : Prohibits sharing consumer information with third parties without consent. My personal information was transferred to ProCollect without permission.

Because the primary leaseholder is deceased, there is no lawful basis for ProCollect to collect or report this debt. The responsibility was not reassigned legally, and no document exists showing I gave consent for them to possess or use my 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