Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding improper handling of a disputed debt and premature referral to collections. On XX/XX/XXXX, I received a final account statement from XXXX XXXX XXXX related to my former apartment ( Unit XXXX ). On that same date, I disputed the charges in writing because the balance was inaccurate based on previous conversations with XXXX XXXX. I was informed by XXXX XXXX that the charges would be reviewed and that I would receive a corrected final invoice. Payment instructions were yet to be discussed ; again as directed by XXXX XXXX. Following my dispute, XXXX XXXX XXXX ceased communication and failed to provide the corrected invoice or payment instructions as agreed. On XX/XX/XXXX, I became aware of the collection account only after receiving a credit report alert through my bank app. I had not received any prior written notice or communication from the collection agency. Upon discovering this, I promptly disputed the account with ProCollect , Inc . Despite the account being actively disputed and unresolved, the balance had already been referred to ProCollect , Inc. and reported to the credit bureaus, negatively impacting my credit. On XX/XX/XXXX, I contacted XXXX XXXX XXXXXXXX again requesting : * Recall of the account from collections * Removal of the credit reporting * A corrected final invoice and payment instructions On XX/XX/XXXX, XXXX XXXX XXXX provided a corrected statement, confirming that the original balance I disputed was inaccurate and no acknowledgement to my requests. I followed up multiple times and on XX/XX/XXXX, XXXX XXXX XXXX responded. Despite acknowledging the error, they refused to recall the account from collections and instructed me to pay the collection agency directly. Again, I did not receive any written notice or validation of the debt from ProCollect , Inc. prior to being contacted or prior to the account appearing on my credit report. I am now being pressured by ProCollect , Inc. and the apartment complex to pay a debt that was previously disputed, later corrected, and never properly finalized prior to being placed into collections and reported. This raises concerns regarding : * Referral of a disputed and unresolved account to collections * Failure to provide accurate and finalized billing prior to collection activity * Credit reporting of a debt before completion of the dispute process * Failure by the collection agency to provide required written notice or validation of the debt * Continued collection activity despite acknowledgment that the original balance was inaccurate I am not disputing my willingness to resolve a finalized and accurate balance. However, I am disputing the process by which this account was handled and reported, which has caused unnecessary credit harm and collection pressure.

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