Debt collection -- Took or threatened to take negative or legal action -- Complaint #18903714

Complaint Overview

Complaint ID: 18903714

Company: Collection Professionals, INC. (Macomb, Il)

Product: Debt collection

Sub-Product: Other debt

Issue: Took or threatened to take negative or legal action

Sub-Issue: Sued you without properly notifying you of lawsuit

State: Illinois

ZIP Code: 604XX

Date Received: 2025-11-26T12:00:00-05:00

Date Sent to Company: 2026-01-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

To whom it may concern : The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires all data in a consumer 's file be documented and validated before it can be used by creditors, so I take this seriously! The allegations of delinquency and derogatory behavior against me are false. Your report accuracy is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what is being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format, as this is required by law ( FCRA ) as well as reporting standards XXXX XXXX However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately, or else there could potentially be serious consequences. I'm giving you 30 days from the date of this letter ( that was XX/XX/XXXX ) to resolve this issue, otherwise there could be consequences. I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case. Below is a summary of the data in which I am challenging : I noticed that this account COLLECTION PROFESSIONA with the number XXXX is showing the wrong rating of CollectionOrChargeOff on my credit report, and I want it fixed now! You said this account was opened on XXXX and had a date of last activity of XXXX. That just cant be right. Please take this account off my report! You also said you last verified this account on XXXX. According to the law, specifically 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I have the right to see how you verified it. Send me the info you used to check this. And another thingI need proof that I really owe {$7300.00} because I dont owe anything. Remember, according to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), if you cant prove this info, it has to be taken off! Also, see the image above for COLLECTION PROFESSIONA ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Lets take a look at Payment Status ( BS-17B ) reporting CollectionOrChargeOff. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the XXXX XXXX standards. There can be no deviation from these requirements. I want to bring to your attention Creditor Remarks ( BS-19 ) reporting ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then YOU ARE REQUIRED to remove my profile! Upon inspecting Loan Type exhibiting CollectionAttorney. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated. Faithfully XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, IL XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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