Consumer complaint received 2025-01-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Request for Immediate Removal of Collection from My Rental Credit Report I am writing to formally dispute a collection item listed on my rental credit report by ProCollect , inc, which I recently became aware of. The collection appears to be incorrect, as I have no prior knowledge of it, and it does not appear on my traditional credit report and never has. I am requesting that this collection be immediately removed from my rental credit report based on the following reasons : Unawareness of the Collection : I was never notified about this collection before it appeared on my rental credit report. I have had no prior communication or correspondence from the creditor regarding this debt. As such, I was unaware that I owed anything in relation to this matter until I reviewed my rental credit report.

Inability to Obtain Information : Upon discovering the collection, I contacted the creditor to inquire about the nature of the debt and its legitimacy. I was told by a representative that if I was not willing to pay the debt, they would provide no further information and refused to clarify what the collection was for. This interaction occurred during a recorded call, which should be available for review and can substantiate my claim.

Possible Error or Fraud : Given that I have no prior knowledge of this collection, and I have been unable to obtain any information from the creditor, I believe this collection does not belong to me. It is possible that there has been an error in reporting, or this may be a case of mistaken identity or fraud.

Violation of Fair Debt Collection Practices : I also believe that the creditors refusal to provide information on the debt may constitute a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). Specifically, Section 809 of the FDCPA requires debt collectors to provide verification of the debt upon request. The creditors refusal to respond adequately to my inquiries could be considered non-compliance with this law.

Laws : Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) : Under the FCRA, you are required to maintain accurate information on consumer credit reports and remove any inaccurate or unverifiable items. Given that I have not been notified about this debt and was unable to receive any valid information, this collection item should be considered inaccurate and should be removed immediately.

Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 et seq. ) : The FDCPA prohibits debt collectors from engaging in unfair practices, including failing to provide proper validation of debts when requested. The creditors refusal to disclose information about the collection violates my rights under this law.

The Right to Dispute Inaccurate Information : Under the FCRA, consumers have the right to dispute any inaccurate, incomplete, or unverifiable information on their credit reports. I am exercising my right to dispute this collection, and I request that you thoroughly investigate and remove the item from my rental credit report.

Given these circumstances, I respectfully request that this collection be removed from my rental credit report immediately. Please confirm in writing once the item has been deleted, and provide me with an updated copy of my rental report. 

Thank you for your prompt attention to this matter. If you require any additional information or documentation, please do not hesitate to contact me. 

Below will be some attached document * Credit Report From All Three Credit bureaus * Proof Of Identity * Proof Of Me Making The Phone Call To Procollect , inc 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