Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #20923579
Credit Report Error Dispute with ProCollect, Inc.
Complaint Overview
Complaint ID: 20923579
Company: Procollect, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Texas
ZIP Code: 77048
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: low
The risk is low as the issue involves incorrect information on a credit report, which is a common consumer concern that credit bureaus and collection agencies are equipped to handle.
Consumer Sentiment: neutral
Topics: Credit reporting, Incorrect information, Debt collection
AI Analysis
CFPB complaint 20923579 was filed against ProCollect, Inc. regarding Credit reporting or other personal consumer reports (Credit reporting), specifically about "Incorrect information on your report". A consumer reported incorrect account information on their credit report to ProCollect, Inc., which was closed with an explanation. The complaint was received on April 3, 2026 from Texas. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should dispute any incorrect information on their credit report directly with the credit bureau and the furnisher of the information, providing supporting documentation.
Legal Context & Consumer Protection Laws
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute errors.
Regulatory Insight
This case highlights the importance of credit reporting agencies and debt collectors adhering to FCRA guidelines for accurate information reporting and dispute resolution.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Texas, and state laws may also offer protections regarding credit reporting and debt collection practices.
Industry Comparison
This is a common issue across the credit reporting industry, with many consumers experiencing and disputing inaccuracies on their reports.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20923579 about?
CFPB complaint 20923579 involves Credit reporting or other personal consumer reports (Credit reporting). The consumer reported an issue with "Incorrect information on your report", specifically "Account information incorrect". This complaint was filed against ProCollect, Inc. on April 3, 2026.
Which company is complaint 20923579 filed against?
Complaint 20923579 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 20923579?
ProCollect, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20923579 filed?
Complaint 20923579 was received by the CFPB on April 3, 2026. It was sent to ProCollect, Inc. on April 3, 2026.
What state was complaint 20923579 filed from?
Complaint 20923579 was filed from Texas. You can view all complaints from this state at /state/TX.
Was the consumer satisfied with the resolution of complaint 20923579?
Dispute information is not available for complaint 20923579.
What product category is complaint 20923579 about?
Complaint 20923579 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 20923579 submitted?
Complaint 20923579 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 20923579?
The Fair Credit Reporting Act (FCRA) governs the accuracy and privacy of credit reporting information and provides consumers with rights to dispute errors. This relates to a Credit reporting or other personal consumer reports complaint against ProCollect, Inc. involving "Incorrect information on your report".
How likely is complaint 20923579 to be resolved?
Resolution likelihood: likely. 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 20923579?
This complaint is rated as low risk. The risk is low as the issue involves incorrect information on a credit report, which is a common consumer concern that credit bureaus and collection agencies are equipped to handle.
What regulatory actions apply to complaint 20923579?
This case highlights the importance of credit reporting agencies and debt collectors adhering to FCRA guidelines for accurate information reporting and dispute resolution. 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 20923579?
Consumers should dispute any incorrect information on their credit report directly with the credit bureau and the furnisher of the information, providing supporting documentation.
Are there state-specific protections for complaint 20923579?
The complaint originated in Texas, and state laws may also offer protections regarding credit reporting and debt collection practices. This complaint was filed from Texas.
How does complaint 20923579 compare to industry norms?
This is a common issue across the credit reporting industry, with many consumers experiencing and disputing inaccuracies on their reports.
What steps should a consumer take if a credit reporting agency fails to correct an error after a dispute?
If an error persists after a dispute, the consumer can file a complaint with the CFPB and potentially consult with an attorney specializing in consumer protection law.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.