Consumer complaint received 2025-07-08 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: IL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Complaint Against : ProCollect Inc. 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Subject : Alleged Debt Collection Activity Request for Investigation and Review XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Complaint Summary : I am filing a complaint against ProCollect Inc. regarding an alleged debt associated with account number XXXXXXXX XXXX XXXX I assert that ProCollect Inc. does not have standing to collect on this debt and has provided hearsay and inadmissible evidence in its communications with me. 

Details of the Complaint : Lack of Standing to Collect Debt : ProCollect Inc. has failed to provide any verifiable documentation or proof that they are authorized to collect this alleged debt. As of this date, I have received no clear evidence showing that ProCollect Inc. owns or has been legally assigned the debt in question. The company has only referenced the alleged debt and has not provided valid documentation, such as a copy of the original contract or proof of assignment, which would verify their legal standing to collect on this account.

Hearsay and Inadmissible Evidence : In previous communications from ProCollect Inc., the evidence provided to support their claim of the debt appears to be hearsay and inadmissible under consumer protection laws. They have only supplied documents that contain unsupported statements and third-party information, which does not meet the required standards for debt validation under the Fair Debt Collection Practices Act ( FDCPA ). Such evidence does not constitute valid proof of the debt and should not be considered sufficient to substantiate their claim.

Request for Further Investigation : I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter further. ProCollect Inc. has failed to validate the alleged debt in accordance with FDCPA requirements, and I believe their actions may be in violation of consumer protection laws. I request that ProCollect Inc. provide proper documentation to verify the debt and prove their standing to collect.

Additional Concerns : If any other aspects of this case are found to be in violation of FDCPA or other applicable consumer protection regulations, I ask that you take appropriate action to ensure that ProCollect Inc. is held accountable for any illegal or unethical debt collection practices.

Resolution Requested : I am requesting that : The CFPB investigates ProCollect Inc. 's practices concerning this alleged debt.

ProCollect Inc. be required to provide valid documentation to prove their legal right to collect on this debt.

If ProCollect Inc. is found to be in violation of any consumer protection laws, corrective actions are taken in accordance with federal law.

Thank you for your attention to this matter. I trust that the CFPB will investigate my complaint thoroughly and ensure that ProCollect Inc. adheres to all applicable consumer protection laws. 

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