Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #20801910
Credit Reporting Agency Accused of Improper Report Use
Complaint Overview
Complaint ID: 20801910
Company: Procollect, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Mississippi
ZIP Code: 39739
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Improper use of a credit report can lead to financial harm and violations of consumer protection laws.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report
AI Analysis
CFPB complaint 20801910 was filed against ProCollect, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Improper use of your report". A consumer filed a complaint alleging ProCollect, Inc. improperly used their credit report. The complaint was received on March 31, 2026 from Mississippi. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should monitor their credit reports regularly and dispute any inaccuracies or unauthorized inquiries.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports.
Regulatory Insight
Reporting companies must have a permissible purpose to access and use a consumer's credit report.
Resolution Likelihood
mixed
State-Specific Consumer Protections
This complaint originated in Mississippi.
Industry Comparison
Improper use of credit reports is a recurring issue across the credit reporting industry.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20801910 about?
CFPB complaint 20801910 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Improper use of your report", specifically "Reporting company used your report improperly". This complaint was filed against ProCollect, Inc. on March 31, 2026.
Which company is complaint 20801910 filed against?
Complaint 20801910 was filed against ProCollect, Inc.. You can view all complaints against this company on their profile page at /company/procollect-inc.
What was the company's response to complaint 20801910?
ProCollect, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20801910 filed?
Complaint 20801910 was received by the CFPB on March 31, 2026. It was sent to ProCollect, Inc. on March 31, 2026.
What state was complaint 20801910 filed from?
Complaint 20801910 was filed from Mississippi. You can view all complaints from this state at /state/MS.
Was the consumer satisfied with the resolution of complaint 20801910?
Dispute information is not available for complaint 20801910.
What product category is complaint 20801910 about?
Complaint 20801910 is categorized under "Credit reporting or other personal consumer reports", specifically "Credit reporting". This is one of the product categories tracked by the CFPB.
How was complaint 20801910 submitted?
Complaint 20801910 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20801910?
The Fair Credit Reporting Act (FCRA) governs the use and accuracy of consumer credit reports. This relates to a Credit reporting or other personal consumer reports complaint against ProCollect, Inc. involving "Improper use of your report".
How likely is complaint 20801910 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20801910?
This complaint is rated as medium risk. Improper use of a credit report can lead to financial harm and violations of consumer protection laws.
What regulatory actions apply to complaint 20801910?
Reporting companies must have a permissible purpose to access and use a consumer's credit report. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit reporting or other personal consumer reports industry.
What should the consumer do about complaint 20801910?
Consumers should monitor their credit reports regularly and dispute any inaccuracies or unauthorized inquiries.
Are there state-specific protections for complaint 20801910?
This complaint originated in Mississippi. This complaint was filed from Mississippi.
How does complaint 20801910 compare to industry norms?
Improper use of credit reports is a recurring issue across the credit reporting industry.
What constitutes 'improper use' of a credit report under the FCRA?
Improper use includes accessing a report without a legally permissible purpose, such as for employment, credit, insurance, or other specific transactions authorized by the consumer or law.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.