Consumer complaint received 2025-10-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I, XXXX XXXX, acting Pro Se pursuant to Florida Statutes 27.51 and reserving all rights under UCC 1-308 without prejudice, hereby file this formal complaint against PROCOLLECT INC. ( collection on XXXX  ) for unvalidated and inaccurate reporting of an rental-related collection account in the amount of {$2500.00} on my XXXX credit report ( Date generated : XX/XX/year> ). This reporting constitutes multiple willful violations of the Fair Credit Reporting Act ( FCRA ) and related statutes, including : FCRA 15 U.S.C. 1681s-2 ( b ) : failure to conduct a reasonable reinvestigation upon notice of dispute.

FCRA 15 U.S.C. 1681b : lac

k of permissible purpose for accessing and reporting on my consumer report, as the debt is unverified and potentially unenforceable. FCRA 15 U.S.C. 1681e ( b ) :
failure to follow reasonable procedures to assure maximum possible accuracy.

FCRA 15 U.S.C. 1681i : noncompliance with procedures in case of disputed accuracy, including timely reinvestigation.

FCRA 15 U.S.C. 1681i ( 1 ) ( A ) : failure to conduct a reasonable reinvestigation free of charge within 30 days of receiving notice of the dispute.

FDCPA 15 U.S.C. 1692g : failure to provide debt validation upon request ( including the original creditor 's name, amount owed, and consumer rights notice ).

Florida Consumer Collection Practices Act, Fla. Stat. 559.72 : prohibiting collection or threat to collect debts through false, deceptive, or misleading representations.

Fla. Stat. 559.715 : requiring written notice of assignment before collection attempts.

Despite prior disputes and requests for validation, XXXX XXXX has not provided verifiable evidence of the debts legitimacy, such as : The original lease agreement, Complete chain of assignment or securitization details ( including the name of any trust, date of closing, assignment contract, and proof of transfer ), Itemized statements showing how the alleged balance was calculated, Payment history, Proof that the debt is legally enforceable under applicable statutes of limitations ( e.g., Florida 's 5-year limit for written contracts under Fla. Stat . 95.11 ( 2 ) ( b ) ).

Additionally, no IRS Form 1099-C has been issued or provided for this charged-off debt exceeding {$600.00}, violating IRS requirements under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1, which mandate reporting of canceled debts to both the consumer and the IRS. The absence of such documentation suggests the reporting may stem from a data breach, negligent merging of files, or identity theft, as my personal information across bureaus is inconsistent ( e.g., incorrect addresses and phone numbers on XXXX reports ). 

This inaccurate reporting has caused substantial harm, including lowered credit scores, denial of credit opportunities, higher interest rates, and emotional distress. Under applicable law, I seek actual damages, statutory damages up to {$1000.00} per violation under 15 U.S.C. 1681n ( willful noncompliance ), and injunctive relief including deletion of the item if it can not be fully validated within 30 days. 

I demand : An immediate and thorough reinvestigation under 1681i ( 1 ) ( A ).

Full validation of the debt as required by 1692g, including the original creditors name, amount owed, and consumer rights notice.

Provision of the 1099-C ( if applicable ) or notice explaining why it was not issued. 
Permanent deletion of this item from all credit reports if it can not be fully validated within 30 days. 
A written explanation of any investigative findings and corrected reporting to all credit bureaus. 

Failure to comply will be treated as continued willful violation, subjecting PROCOLLECT INC. to further liability. Enclosed are my U.S. Passport for identity verification and copies of my XXXX XXXX XXXX XXXX credit reports highlighting discrepancies.

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