Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * ProCollect , Inc . * * Account Information * * * Balance Reported : {$2600.00} * Highest Balance Reported : {$2600.00} * Date Opened : XX/XX/2024 * Account Status : Open Collection Account * * Complaint * * I am filing this complaint against ProCollect , Inc. regarding a collection account being reported on my consumer credit reports that I dispute. ProCollect , Inc. is reporting a collection account with a balance of {$2600.00}. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. I have not been provided with sufficient documentation establishing the nature of the debt, the original creditor, the calculation of the balance being reported, or ProCollect 's legal authority to collect and report this account. Without adequate documentation, I am unable to verify whether the debt is accurate, legally enforceable, or properly attributed to me. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Furnishers may not report information they know or have reasonable cause to believe is inaccurate. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon receiving notice of a dispute, furnishers must conduct a reasonable investigation, review all relevant information, and correct or delete any information that can not be verified. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means to collect debts. Debt collectors must maintain sufficient documentation establishing the validity of the debt, the amount owed, and their authority to collect it. I request that ProCollect, Inc. provide : 1. Identification of the original creditor. XXXX. The original account number associated with the alleged debt. XXXX. Documentation proving I am legally responsible for the debt. XXXX. Documentation establishing ProCollect 's authority to collect the debt. 5. Any assignment, placement, or collection agreements authorizing collection activity. XXXX. A complete itemized accounting supporting the reported balance of {$2600.00}. XXXX. Documentation showing all payments, credits, adjustments, fees, interest, penalties, or offsets applied to the account. XXXX. Documentation establishing the date of first delinquency. XXXX. Copies of any records used to verify the account during prior disputes or investigations. XXXX. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. The Consumer Financial Protection Bureau has repeatedly emphasized that debt collectors and furnishers must maintain adequate records supporting the accuracy and integrity of information reported to consumer reporting agencies. If ProCollect can not provide competent evidence validating the debt, ownership, authority to collect, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that ProCollect, Inc. conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

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