Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: TX

Complaint narrative:
CFPB COMPLAINT XXXX XXXX XXXX XXXX TekCollect , Inc. XXXX XXXX XXXX XXXX and XXXX ( Also relevant : XXXX prior collector ) Issue Incorrect information on credit report / Improper use of credit report / Attempts to collect debt not owed / Failure to provide validation Complaint I am filing this complaint regarding a collection account being reported and collected by TEK-COLLECT INC on behalf of XXXX XXXX XXXX XXXX and XXXX. This account has been disputed repeatedly since XXXX and has never been properly validated, yet it continues to be reported as accurate on my credit file. Summary of the Issue ( See Timeline Document for a more in-depth view of events ) I received dental services in XXXX and paid a total of {$1000.00} at the time of service. No additional balance was disclosed. In XXXX, the provider requested medical insurance information, which was provided multiple times. After XX/XX/XXXX, there was no follow-up, no billing explanation, and no notice of any outstanding balance. In XX/XX/XXXX, I received a bill for approximately {$1400.00} with no itemization, no explanation, and no documentation supporting the charges. I immediately disputed the bill and requested a full breakdown. Despite multiple emails, phone calls, and escalation attemptsincluding contact with office management and corporate representativesthe provider failed to respond or provide any explanation. While my dispute was active and unresolved, the account was sent to collections ( XXXX ) within approximately 25 days of the first bill. I formally disputed the account with the collection agency in XX/XX/XXXX and provided full documentation, including proof of payment and a detailed timeline. No validation was provided. The account was later transferred to TEK-COLLECT in XX/XX/XXXX without resolving the dispute. Failure to Validate the Debt Since XXXX, I have repeatedly requested documentation to substantiate this alleged balance, including : Itemized billing statements Payment and adjustment ledger Insurance Explanation of Benefits ( EOBs ) Documentation showing how the balance was calculated Any signed financial responsibility agreement Documentation establishing the Date of First Delinquency Proof of assignment and authority to collect None of this documentation has ever been provided by : XXXX XXXX XXXX XXXX XXXX TekCollect Instead, the collector has continued to attempt collection and furnish this account to credit bureaus without substantiation. Inaccurate Credit Reporting / DOFD Issue The account is currently reported as remaining on my credit file until XX/XX/XXXX, which implies a Date of First Delinquency ( DOFD ) around XX/XX/XXXX. This is inaccurate and unsupported because : Services and payments occurred in XXXX No delinquency was disclosed in XXXX The first unexplained bill was issued in XX/XX/XXXX No documentation has ever established a valid DOFD Reporting an unsupported or estimated DOFD constitutes inaccurate reporting and potential re-aging in violation of the Fair Credit Reporting Act. Credit Bureau Disputes Ignored / Verified Without Evidence In XX/XX/XXXX, I formally disputed this account with XXXX and XXXX and submitted detailed documentation, including : Full timeline of events Payment records Evidence of repeated dispute attempts since XXXX Despite this, both credit bureaus reported the account as verified as accurate. I then submitted formal appeals and requests for Method of Verification, specifically requesting : Who was contacted What documentation was reviewed Evidence supporting the balance and DOFD No meaningful Method of Verification or supporting documentation has been provided. Instead, the furnisher appears to have simply restated the balance without evidence, and the credit bureaus relied on that response. Continued Collection Activity Without Validation TEK-COLLECT continues to : Attempt to collect this debt Offer settlements Furnish this account to credit bureaus All without providing validation or documentation supporting the debt. Settlement offers have been made, but no explanation of the underlying charges has ever been provided. Pattern of Neglect and Non-Response This issue is not a simple billing dispute. It reflects a multi-year pattern : Repeated requests for explanation ignored Escalations to management and corporate ignored Formal disputes ignored Debt transferred without resolution Credit reporting continued without substantiation Requested Resolution I am requesting that the CFPB require the company to : XXXX. Provide full validation of the debt, including : o Itemized billing o Payment ledger o Insurance documentation o Documentation of the Date of First Delinquency o Proof of authority to collect OR XXXX. Immediately request deletion of this account from all credit reporting agencies if the above documentation can not be produced Additionally : Cease all collection activity until proper validation is provided Cease furnishing inaccurate or unverified information to credit reporting agencies Final Statement This account has been disputed continuously since XXXX. No party involved has ever provided documentation explaining the alleged balance, yet the account continues to be collected and reported as accurate. This constitutes a failure to properly investigate disputes, failure to ensure accuracy in credit reporting, and continued collection activity without validation. I am requesting immediate review and resolution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation