Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: TX

Complaint narrative:
XXXX XXXX Pro Collect for XXXX XXXX XXXX and State Laws Regarding Disputed Accounts with balances of {$3300.00} and {$6800.00}. 

I am filing this formal complaint against Pro Collect, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, for multiple violations of federal and state consumer protection laws related to XXXX fraudulent accounts reported on my credit report : An Account with alleged balance of {$3300.00} and Account with an alleged balance of {$6800.00}. Despite my repeated efforts to dispute these accounts and request validation, Pro Collect has failed to comply with legal obligations, causing significant harm to my credit and emotional distress. Below, I outline the details of the violations, my attempts to resolve the issue, and the legal basis for this complaint. 

# # # Background and Summary of Issue On XX/XX/year> and XX/XX/year>, I sent initial dispute letters to Pro Collect regarding the aforementioned accounts, which appeared on my credit report without my knowledge or consent. I have no recollection of any contractual relationship with Pro Collect or the alleged creditors, and I believe these accounts are fraudulent or erroneous. My letters requested validation of the debts, including specific documentation to substantiate their legitimacy, as required by law. Pro Collect failed to respond within the legally mandated XXXX period and has continued to report these disputed accounts to credit bureaus, damaging my credit score and causing emotional distress. 

On XX/XX/year>, I sent second notices to Pro Collect, restating my disputes, expanding my demands for documentation, and explicitly warning of their violations of federal and state laws. To date, Pro Collect has not provided any validation, ceased reporting the accounts, or responded to my requests, demonstrating willful noncompliance. 

# # # Violations of Federal and State Laws Pro Collects actions constitute clear violations of multiple consumer protection statutes, including but not limited to : XXXX. * * Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ) * * - * * Violation : * * The FCRA requires furnishers like Pro Collect to conduct a thorough investigation of disputed information within 30 days and to ensure the accuracy of reported information. Pro Collect failed to investigate or respond to my disputes for both accounts within the mandated timeframe and continues to report inaccurate information to credit bureaus. 
- * * Impact : * * This has resulted in ongoing damage to my credit score, limiting my financial opportunities and causing emotional distress. 

XXXX. * * Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692e, 1692g ) * * - * * Violation : * * The FDCPA prohibits false or misleading representations and requires debt collectors to validate debts upon consumer request. Pro Collect has not provided any validation for either account despite my requests on XX/XX/year>, and XX/XX/year>. Additionally, their continued reporting of these disputed debts without validation constitutes a false representation of the debts status. 
- * * Impact : * * Pro Collects failure to validate the debts has perpetuated the fraudulent reporting, harming my credit and causing undue stress. 

XXXX. * * Texas Debt Collection Act ( TDCA ) ( Tex. Fin. Code 392.001 et seq. ) * * - * * Violation : * * The TDCA prohibits unfair or unconscionable collection practices and requires compliance with state licensing requirements. Pro Collect has not provided evidence of a valid license to collect debts in Texas or a surety bond, as requested, and their continued reporting of unvalidated debts is unconscionable. 
- * * Impact : * * These actions violate Texas law, further exacerbating the harm to my financial standing. 

XXXX. * * Texas Deceptive Trade Practices Act ( DTPA ) ( Tex. Bus. & Com. Code 17.41 et seq. ) * * - * * Violation : * * The DTPA prohibits deceptive business practices, including misrepresenting the validity of a debt. Pro Collects reporting of unverified debts and failure to respond to my disputes constitute deceptive practices, knowingly conducted given their history of similar violations. 
- * * Impact : * * This misconduct entitles me to seek treble damages for the knowing violation, as well as compensation for emotional and financial harm. 

XXXX. * * Telephone Consumer Protection Act ( TCPA ) ( 47 U.S.C. 227 ) * * - * * Violation : * * While Pro Collect has not yet contacted me via phone, I noted in my letters that any unauthorized contact would violate the TCPA. This serves as a preemptive warning, given their pattern of noncompliance with other statutes. 

# # # Specific Actions Taken by Complainant I have taken the following steps to resolve this matter directly with Pro Collect : - I sent letters disputing both accounts requesting : - Name of the creditor. 
- Total amount of the debt. 
- A signed contract or verification bearing my signature. 
- Proof of debt transfer or purchase. 
- Evidence of Pro Collects license and surety bond in Texas. 
- Form 1099-C, if applicable. 
- I informed Pro Collect of my rights under the FCRA and FDCPA, warned that continued reporting without validation would violate these laws, and requested that they cease reporting the accounts to credit bureaus until validated. 

XX/XX/year> Second Notice - After receiving no response, I sent follow-up letters restating my disputes and expanding my demands to include : - A detailed breakdown of the alleged debts ( principal, interest, fees ). 

- Complete payment history for the accounts. 

- Copies of correspondence between Pro Collect and the original creditor. 

- Copies of all notices sent to me by Pro Collect. 

- Confirmation that Pro Collect notified credit bureaus to cease reporting the accounts. 

- I reiterated that their failure to validate the debts and continued reporting violate the FCRA, FDCPA, XXXX, and DTPA, and warned of impending complaints and litigation. 

Despite these efforts, Pro Collect has not complied with any of my requests, validated the debts, or ceased reporting them to credit bureaus. 

-Harm : Caused by Pro Collects Actions Pro Collects actions have caused significant harm, including : -Financial Harm : The fraudulent accounts have lowered my credit score, limiting my ability to secure loans, housing, or employment opportunities.

- Emotional Distress : The ongoing stress of dealing with these erroneous accounts, combined with Pro Collects refusal to address my disputes, has caused considerable anxiety and frustration.

- * * Time and Resources : * * I have spent substantial time drafting letters, researching my rights, and preparing this complaint, diverting my attention from personal and professional obligations.

# # # Requested Relief I respectfully request that the CFPB investigate Pro Collects practices and take the following actions : XXXX. * * Compel Pro Collect to Validate the Debts : * * Require Pro Collect to provide all requested documentation for Accounts with the balances of {$3300.00} and {$6800.00}. As outlined in my letters, or permanently remove these accounts from my credit report. 
XXXX. * * Cease Reporting to Credit Bureaus : * * Order Pro Collect to immediately stop reporting these accounts to all credit bureaus until the disputes are resolved. 
XXXX. * * Impose Penalties for Violations : * * Hold Pro Collect accountable for their violations of the FCRA, FDCPA, XXXX, and DTPA, including statutory damages, actual damages, and attorney fees. 
XXXX. * * Correct My Credit Report : * * Ensure that all credit bureaus are notified to remove these accounts. 
XXXX. * * Investigate Pro Collects Practices : * * Examine Pro Collects broader debt collection practices, given their history of FDCPA violations, to prevent further harm to other consumers. 

I am preserving all records and communications with Pro Collect as evidence for potential legal proceedings and am prepared to provide additional information as needed. 

Conclusion- Pro Collects refusal to validate the disputed accounts, coupled with their continued reporting of unverified debts, constitutes a willful violation of the FCRA, FDCPA, XXXX, and DTPA. These actions have caused me significant financial and emotional harm, and I urge the CFPB to take swift action to protect my rights and hold Pro Collect accountable. I am prepared to pursue further action, including complaints to the FTC, Texas Attorney XXXX XXXX, and XXXXXXXX XXXX XXXX XXXXXXXX and Regulation, as well as litigation, if necessary.

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