Date Received: 2018-05-22
Product: Other debt
Issue: Attempts to collect debt not owed
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I submitted a request for PRO COLLECT or XXXX XXXX XXXX to validate a alleged debt, what I received was a lease from 2005 in which I signed a lease with XXXXXXXX XXXX XXXX XXXX PRO COLLECT nor XXXX XXXX can not with 100 % certainty produce any documentation where I signed a lease agreement either entity. I am getting the law directly from your policy FCRA 609. If original debt can not be verified it has to be removed.. This law requires every company that reports credit events — not just the original creditor companies — to be able to produce verifiable proof of the negative event. It holds the credit reporting agencies accountable for the negative information they pass on. This is obviously related to the right of debtors to challenge the accuracy of negative events reported on them. The intent of the government was to protect debtors from having inaccurate information used against them …. I hope this can be resolved without me seeking legal representation and me calling the local news to advise them that my rights are being neglected/overlooked by the agency that has sworn to protect them.
Company: ProCollect, Inc
State/Zip: TX 760XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: No
Did Consumer Dispute Company Response: N/A
Complaint ID: 2913978
The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.
Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.
In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.
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