Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ProCollect, Inc.
State: CA

Complaint narrative:
Subject : Inaccurate Information on Collection Account - Dispute of Investigation Results and Potential Retaliatory Reporting I am writing to dispute inaccurate information on a collection account reported on my credit report and challenge the recent investigation by ProCollect that did not address their errors. There is also concern that this reporting may be an attempt to harm my credit reputation. 

The account number in question is listed with ProCollect Inc as the creditor. 

The following information on the account is inaccurate : Previously Disputed Issue : On XX/XX/year>, I submitted a dispute regarding the inaccurate information on this account. However, the recent investigation by ProCollect was unsatisfactory for the following reasons : Their investigation was insufficient. They did not consider the documentation I provided that proves I do not owe this debt. I called the company three times this afternoon and the call could not be transferred because I was calling from a blocked number. There was no human I could be transferred to per the Admin who answers their business line. 
They did not contact me to discuss the discrepancy, nor have they ever contacted me to discuss the discrepancy. 

They only mailed an itemized bill of charges from the original creditor. 

Potential Retaliatory Reporting : Because the statute of limitations has expired in the state of California, and they placed this complaint on my credit report in XXXX XXXX, I am concerned that ProCollect 's reporting of this debt may be an attempt to harm my credit reputation due to the inability of the original debtor to pay. This debt is associated with my adult son. I was never notified of delinquency by the landlord XXXX XXXX in XXXX, IA. 

It should be noted that my first notification of the debt was illegally via phone call from a ProCollect employee who called me on my mobile device, and threatened to sue me, he called me " irresponsible '' and demanded information about my employers. I contacted the credit bureaus immediately and learned that ProCollect never placed the " collection account '' on my credit report. There is no legal basis for including this inaccurate information on my credit report.

Evidence of Inaccuracy : I have seen copies of the documentation they provided with an itemized bill of property damage which clearly demonstrates the inaccuracy of the information or that I owe the debt. 

Request for Reinvestigation : I request that you reinvestigate this matter and ensure that the credit reporting bureaus have accurate information on my credit report. Please consider the evidence I have provided and contact me if you require any further clarification. I am also concerned that this reporting may violate the Fair Credit Reporting Act ( FCRA ). 

Thank you for your time and assistance.

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