Consumer complaint received 2026-02-03 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: FL

Complaint narrative:
Subject/Complaint Title : Inaccurate and Unverified Collection Account Reported on XXXX  Credit Report Violation of FCRA and FDCPA Date of Issue : XX/XX/XXXX ( date of XXXX report showing the item ) Companies Involved : XXXX ( credit reporting company XXXX XXXX, XXXX ( furnisher/debt collector ) Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Phone XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX of the Problem : I am submitting this complaint against XXXX  and XXXX, XXXX for reporting an inaccurate, incomplete, and unverified collection account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On my XXXX  credit report dated XX/XX/XXXX ( attached ), a collection account appears under XXXX, XXXX ( Account Number : XXXX ; Original Creditor : XXXX XXXX XXXX XXXX XXXX  Amount : {$9400.00} ; Date Opened : XX/XX/XXXX ; Status : Collection account ). This item is harming my FICO XXXX  XXXX ( currently XXXX ) and is listed as a major negative factor under XXXX and/or XXXX 

I dispute this debt in its entirety. I do not believe I owe this amount, and I have no knowledge of or responsibility for this alleged obligation. The account appears suspicious, especially given my active fraud/security alert on file since XX/XX/XXXX ( Personal Statement : XXXX XXXX XXXXXXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. ), which warns of potential identity theft or fraudulent activity. 
Steps Already Taken : XXXX. On or around XX/XX/XXXX, I sent a formal dispute letter to XXXX  under FCRA 1681i, requesting a reasonable reinvestigation, deletion of the unverifiable item, and a description of the method of verification used. 
XXXX. I also sent a debt validation and cease-and-desist letter to ProCollect, Inc. under FDCPA 1692g and 1692c ( c ), demanding full verification ( including original contract with my signature, itemized breakdown, proof of licensing in Florida, etc. ) and cessation of all collection activity/reporting until validated ( attached copy ). 
XXXX. To date, I have not received adequate validation from ProCollect or confirmation of deletion/reinvestigation results from Experian. The item remains on my report, and if ProCollect is continuing to report it without verification, this violates FCRA 1681s-2 ( b ) ( duty to investigate disputes ) and FDCPA requirements for validation and accurate reporting.

Harm Caused : This unverified collection is significantly damaging my credit score and limiting my ability to obtain credit, housing, or employment.

It causes ongoing stress and financial uncertainty.

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