Consumer complaint received 2024-10-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: LA

Complaint narrative:
Pursuant to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy, however, this is not the case because Procollect , INC is purposely violating my consumer 's rights by reporting an alleged debt that is negatively affecting my creditworthiness. I requested ProCollect , INC to provide me specific documents in regard to my debt validation request for an alleged owed debt on XX/XX/year>. Procollect , INC responded on XX/XX/year> stating, " XXXX has mailed proof of the debt to the consumer 's listed address XX/XX/year> ''. However, today is XX/XX/year> and I have NOT received any " proof of this debt '' via mail or email. This company continues to furnish incorrect and fraudulent information on my credit report and I want it deleted IMMEDIATELY. 

Below is this information that I initially requested from this creditor : XXXX. Provide the assignment contract - In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership. 
XXXX. A copy of the original contract and/or original purchase agreement that created the alleged debt. 
XXXX. Also include a full accounting history from the original creditor including date and amount of each payment, the Date of First Delinquency leading to the collection status and Date of Last Activity. 
XXXX. If any interest or fees have accrued or been added onto the balance, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
XXXX. Proof that you are legally allowed to collect on alleged debts in the state of Louisiana, including your Third-Party Debt Collection Bond.

XXXX. Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your firm maintains. 

ProCollect , INC is in clear violation of my consumer rights, and I want action taken IMMEDIATELY. It shouldn't take so long to provide " proof of this alleged debt ''. I should have been received the documentation that was claimed to be mailed over XXXX months ago. However, they are willingly and knowingly playing XXXX XXXX with my credit reports. This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

Therefore, ProCollect , INC needs to DELETE the below account from my consumer report, this company is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the referenced account, will result in legal action being taken against your company, for which I will also be seeking financial compensation for actual damages, attorney 's fees, and court costs.

XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g violations. 
XXXX. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC 1681n ). 

Account Name : PROCOLLECT , INC | Account Number : 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