Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: MI

Complaint narrative:
XX/XX/18 Dear Sir or Madam : This letter of complaint is related to Procollect Inc., XXXX XXXX XXXX XXXX, XXXX, TX XXXX, XXXX, Related to my account # XXXX. Procollect is trying to collect an incorrect amount on the debt. I had an initial debt of {$450.00}. I agreed and established that the debt was valid and I have been paying on the debt as often as two or three times a month. Procollect is not reporting payments to both credit bureaus. The two bureaus have different information about what I owe, which negatively impacts my rating. I submitted moneyorder receipts and asked all agencies to investigate my evidence and make the corrections. XXXX ( Complaint # XXXX ) and XXXX credit reporting agencies have erroneous amounts owed on my reports. 
I have gotten the debt down to {$220.00}. I check my XXXX XXXX account regularly to insure that my payments are being credited and received. I made the monthly payments without specifying a particular amount to be paid each month ( contract ). I am on a fixed income of only {$850.00} per month right now. I did not want to go into default on the debt, if unable to pay what I had agreed upon. I filed a complaint with XXXX  related to the incorrect balance noted on the report ( Complaint # XXXX ). I made sure to write both XXXX and Procollect and ask them to update my list of payments, using the information and copies of moneyorders. They have refused to do so. XXXX stated that they had investigated and say that I now owe {$260.00}. This is a {$37.00} difference from my calculations. The XXXX report states that I currently owe {$360.00} which is way off the mark. 
I am constantly receiving notifications ( from XXXX XXXX ) that my credit is being damaged because ProCollect is not giving me credit. What my records show I owe and what Procollect is reporting to the credit agencies is NOT correct. I sent Procollect copies of my payment receipts ( which they are  ignoring ). The balances between the two credit bureaus are inaccurate. I have made two efforts to dispute the incorrect information. I made copies of the postal moneyorders I mailed to Procollect plus the dates they were mailed out. Neither Procollect or the credit agencies properly investigated or updated the  information. The only thing I asked them to do was to tell me which payments they HAD received from me ( using the list that I provided ) and to let me know which ones were not credited. Inaccurate information is being kept on my credit record even though I have provided proof that I had made these payments. If I am to pay off the rest of the debt, I EXPECT to be fairly audited and that no more derogatory remarks be placed upon my account UNTIL I receive confirmation and validation for the payments I have made. I do not feel that it is fair for me to have to pay {$5.00} to research missing money orders or to have to certify EVERY single moneyorder that I send by mail. 
The credit bureaus and Procollect are not accurately reporting or confirming my payments. I need all organizations to update my credit files and to cease the marks until a resolution is made. Thank you! Questions ( XXXX ) XXXX XXXX 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