Consumer complaint received 2026-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: CO

Complaint narrative:
Date : XX/XX/year> To : XXXX and Consumer Financial Protection Bureau ( CFPB ) RE : Formal Dispute of Fraudulent, Inaccurate, and Inflated Debt Reporting I, XXXX XXXX XXXX, am formally demanding the immediate investigation and removal of inaccurate, misleading, inflated, and unlawfully reported debt information connected to an alleged rental account originating from XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX. This account was improperly transferred and reported by ProCollect , Inc. with materially inaccurate balances, unauthorized fees, and misleading account information in direct violation of federal consumer protection laws. The facts are as follows : The original court-related balance associated with this matter was {$2300.00}. The appeal bond connected to this matter was approximately {$4600.00}. Even when combining those figures, the amounts still do not support the balance ultimately reported by the third-party debt collector. XXXX XXXX XXXX of XXXX, reported an alleged balance of {$6200.00} and later reflected a balance of approximately {$7800.00} from the third party creditor Procollect , Inc This reflects an unexplained increase of approximately {$1500.00} beyond the already disputed figures. I immediately contacted the original creditor, XXXX XXXX XXXX, XXXX regarding these discrepancies. The original creditor acknowledged the reporting discrepancy and advised me that they had sent communication by email notifying ProCollect , Inc. that the reported balance was incorrect. Despite notice of the inaccuracies, the false balance continues to be reported, causing substantial harm to my consumer credit profile, financial reputation, and ability to obtain housing and credit. The actions of the creditor and debt collector appear to violate multiple federal laws, including but not limited to : FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681s-2 Failure to report accurate information to consumer reporting agencies. 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. 15 U.S.C. 1681i Failure to conduct a proper reinvestigation after receiving notice of dispute. FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ) 15 U.S.C. 1692e False, deceptive, or misleading representations regarding the character, amount, or legal status of a debt. 15 U.S.C. 1692f Use of unfair or unconscionable means to collect or attempt to collect a debt, including unauthorized fees and inflated balances. 15 U.S.C. 1692g Failure to provide proper validation and accounting of the alleged debt. Additionally, reporting inflated balances, adding unexplained fees, and transferring inaccurate information to third-party collectors without proper verification raises serious concerns regarding unlawful consumer reporting practices and negligent handling of personal financial information. I am demanding the following actions immediately : Full deletion of this account and all related derogatory reporting from my consumer credit file. A complete accounting and validation of all charges, fees, and adjustments allegedly added to this account. Documentation proving the legal basis for every amount reported. Immediate cessation of reporting any inaccurate or unverifiable balances. Confirmation that the account has been corrected or deleted with all consumer reporting agencies. If this matter is not corrected immediately, I reserve the right to pursue all available remedies under federal and state consumer protection laws, including complaints for statutory damages, negligent noncompliance, willful noncompliance, and unlawful debt collection practices. This letter serves as formal notice of dispute under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Sincerely, XXXX XXXX XXXX Additional information provided by consumer : XXXX The consumer would like her complaint to go to the collector " ProCollect Inc '' instead of The Enclave Apartments. Their address is XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Their phone number is XXXX Additional information provided by consumer : XXXX Consumer is wanting to complaint to go to Procollect INCXXXX at XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX phone of 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