Consumer complaint received 2025-07-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX PRO COLLECT XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, Subject : Final Demand for Immediate Deletion of Charge-Off and Full Legal Response 5-Day Deadline To Whom It May Concern : This letter serves as my first and final warning. You are hereby notified that your continued reporting of a charge-off account associated with my name and personal financial data is in direct violation of multiple federal and state laws. This correspondence also constitutes your legal notice of dispute and intent to pursue civil legal action.

Violations 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( FCRA 604 ( b ) ) No permissible purpose exists to share or report my utilization or transaction data without legal authorization.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting inaccurate or unverifiable information is a violation of your duty under federal law.

15 U.S.C. 1681s-2 ( b ) You are legally required to correct or delete disputed and inaccurate information. This letter serves as your official dispute.

2. Unauthorized Use of Personal Financial Data You do not have my express, written consent to report my financial data. Under common law privacy rights, this use is unauthorized, unlawful, and actionable.

3. Uniform Commercial Code ( UCC ) Protections UCC 1-308 I reserve all rights without prejudice to protect against involuntary obligations and unauthorized use of my data.

UCC 1-103 Your actions violate the principles of fair dealing and lawful consent under common law and equity.

4. Missouri Consumer Protection Statutes RSMo 407.020 Reporting inaccurate or unauthorized financial data is a deceptive practice.

RSMo 417.200 My personal data is part of my identity, and your use of it without permission violates my right of publicity.

5. Additional Federal Violations FCRA, 15 U.S.C. 1681 et seq. Continued reporting of any resolved, canceled, or invalid debt is unlawful.

Privacy Act of 1974, 5 U.S.C. 552a Unauthorized disclosure of personal financial data may also violate federal privacy law.

DEMAND FOR ACTION 5 DAYS You are hereby ordered to : Permanently delete the charge-off and any associated negative reporting from all consumer credit reporting agencies.

Provide written confirmation of this deletion within XXXX calendar days from the date of this letter. 


Respond in writing to each statute and legal claim cited herein. 



NOTICE OF INTENT TO ESCALATE If you fail to fully comply within 5 days, I will initiate legal action seeking the maximum monetary relief permitted by law, including but not limited to : Statutory damages Punitive damages Court costs and attorneys fees Injunctive relief A formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and relevant state and federal regulators I will pursue this matter to the highest level, including federal court if necessary. 
This is your final opportunity to cure the violations listed above without further consequence. Silence or partial compliance will be treated as willful noncompliance and bad faith. 


Sincerely, XXXX 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