Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #20842612
ProCollect Accused of Improper Credit Report Use
Complaint Overview
Complaint ID: 20842612
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: Georgia
ZIP Code: 31210
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The complaint was closed with an explanation, suggesting the issue was addressed or clarified by the company, thus posing a low risk of significant regulatory action.
Consumer Sentiment: neutral
Topics: Credit reporting, Improper use of report, Debt collection
AI Analysis
CFPB complaint 20842612 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 against ProCollect, Inc. alleging improper use of their credit report, which was closed with an explanation. The complaint was received on April 1, 2026 from Georgia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communications and disputes with credit reporting agencies and debt collectors.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the permissible purposes for which consumer reports can be accessed and used.
Regulatory Insight
This case highlights the importance of adherence to FCRA's rules regarding the proper use of consumer reports by third parties.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The complaint originated in Georgia, and state-specific consumer protection laws may also apply.
Industry Comparison
Improper use of credit reports is a recurring issue across the credit reporting industry, often involving third-party access.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20842612 about?
CFPB complaint 20842612 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 April 1, 2026.
Which company is complaint 20842612 filed against?
Complaint 20842612 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 20842612?
ProCollect, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20842612 filed?
Complaint 20842612 was received by the CFPB on April 1, 2026. It was sent to ProCollect, Inc. on April 1, 2026.
What state was complaint 20842612 filed from?
Complaint 20842612 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 20842612?
Dispute information is not available for complaint 20842612.
What product category is complaint 20842612 about?
Complaint 20842612 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 20842612 submitted?
Complaint 20842612 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 20842612?
The Fair Credit Reporting Act (FCRA) governs the permissible purposes for which consumer reports can be accessed and used. 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 20842612 to be resolved?
Resolution likelihood: unlikely. 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 20842612?
This complaint is rated as low risk. The complaint was closed with an explanation, suggesting the issue was addressed or clarified by the company, thus posing a low risk of significant regulatory action.
What regulatory actions apply to complaint 20842612?
This case highlights the importance of adherence to FCRA's rules regarding the proper use of consumer reports by third parties. 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 20842612?
Consumers should keep detailed records of all communications and disputes with credit reporting agencies and debt collectors.
Are there state-specific protections for complaint 20842612?
The complaint originated in Georgia, and state-specific consumer protection laws may also apply. This complaint was filed from Georgia.
How does complaint 20842612 compare to industry norms?
Improper use of credit reports is a recurring issue across the credit reporting industry, often involving third-party access.
What constitutes 'improper use' of a credit report under the FCRA?
Improper use includes accessing a report without a permissible purpose, such as for employment, credit, insurance, or other legally defined reasons, or using the information in a discriminatory manner.
What does 'closed with explanation' typically mean in CFPB complaint resolutions?
It generally means the company provided a response or justification that the CFPB found acceptable, resolving the complaint without further action, but the consumer may still disagree with the outcome.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.