Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: GA

Complaint narrative:
FINAL NOTICE OF NON-CONSENT | ILLEGAL DATA POSSESSION | UNAUTHORIZED COLLECTION ProCollect Inc. 

This is your final formal legal demand for immediate and permanent deletion of the account you are falsely reporting under my name. You are hereby notified that : 1. I have never entered any contract, agreement, lease, or financial relationship with ProCollect Inc.

2. I have never given ProCollect Inc. consent to obtain, use, or process my personal data, including my name, address, Social Security Number, or identification.

3. The account you are attempting to collect or report stems from a third-party entity with whom I also have no contract, no legal obligation, and no valid relationship.

4. You are knowingly using purchased data without consent to support a claim you have no legal authority to collect or report.

Violations Committed by ProCollect Inc.

FCRA 623 ( a ) ( 1 ) ( A ) : Reporting inaccurate information knowingly is a violation of federal law. You are unlawfully reporting a debt under my name that is not verified, not authorized, and not legally valid.

FCRA 611 ( a ) : All unverifiable information must be permanently deleted. You have failed to verify with any signed documentation from me proving this debt.

FDCPA 807 : Misrepresentation of the legal status, ownership, or character of a debt is illegal. Presenting a debt to me from a third party does not establish your right to collect.

FDCPA 808 : It is a violation to attempt to collect on a debt not authorized by contract. You have no signed contract, agreement, or consent from me.

Gramm-Leach-Bliley Act ( GLBA ) : Your possession and use of my personal data without authorization constitutes a violation of federal data privacy and protection laws.

Texas Business & Commerce Code 20.06 : It is unlawful to report or use false or unverifiable information in a consumer report in Texas. You are using eviction-related or rental data without state court authorization or consumer consent.

DEMAND FOR IMMEDIATE ACTION You have 24 hours from the receipt of this notice to : 1. Permanently delete this account from all credit reporting agencies and your internal systems.

2. Cease and desist from any further communication or collection activity.

3. Provide written confirmation that the account has been permanently removed and will never be reinserted or reassigned under any name or format.

4. Cease using my personal information obtained through third-party data sales without my authorization or contract.

IF YOU FAIL TO COMPLY If this demand is ignored, I will proceed with the following : File a federal complaint for FCRA, FDCPA, GLBA, and state-level data misuse violations Pursue civil damages in excess of {$12000.00} through small claims court Report your continued misuse of my data and credit report to the FTC, Attorney General, and Consumer Financial Protection Bureau Notify all three credit reporting agencies of your willful violations with documented legal proof This is your final and official notice. You are not authorized to possess, use, report, or collect on any account involving my name. Return to sender all third-party data, cease illegal use, and delete this account now. 

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