Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: GA

Complaint narrative:
I am submitting this complaint because XXXX continues to report a collection account from TekCollect for a XXXX debt that is invalid, disputed, and legally questionable. 

My credit score dropped more than XXXX points right when I just got it above a XXXX. That affected my ability to purchase a vehicle that safely allowed me to do business and work. 

XXXX, a XXXX XXXX, has filed for bankruptcy and is no longer in operation. Despite this, a debt was allegedly transferred or sold to TekCollect. I submitted a formal written dispute to TekCollect, which was ignored. Instead of proper debt validation, they mailed me a generic contract, which failed to address my actual dispute. 

Here is the email I sent to TekCollect : " Dear TekCollect, I received a contract agreement via mail today. However, this response does not address the nature of my dispute. 
XXXX failed to provide the services I paid for, including sending me the wrong-XXXX XXXX and shipping XXXX XXXX to the incorrect address on multiple occasions. Furthermore, the company filed for bankruptcy and did not honor its XXXX XXXX XXXX 
I am not disputing the existence of a contractI am disputing the validity and fairness of the debt due to breach of service, failure to deliver, and unresolved issues well-documented under my original support case numbers : # XXXX, # XXXX, # XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), you are required to consider the merits of a consumer dispute, especially when the debt arises from services that were not fulfilled. 
Again, I am requesting that you cease all collection efforts, including any credit reporting activity, until this matter is fully investigated and resolved. 
If you continue to pursue this debt without addressing these serious service failures, I will consider filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
I request written confirmation within 15 business days that this account is either removed or that youve initiated a deeper investigation into the legitimacy of the debt based on the facts provided. 
Sincerely, '' As of this filing, TekCollect has not responded substantively. According to FDCPA 1692g, they are required to cease collection activityincluding credit reportinguntil the debt is validated. That has not occurred. 

XXXX also offered a XXXX XXXX XXXX, which they failed to honor due to their poor service and eventual shutdown. I was never given proper customer support or a resolution, which makes the underlying debt morally and contractually invalid. Collecting on a debt from a defunct company that failed to uphold its own guarantee is both deceptive and unfair under Section 5 of the FTC Act ( 15 U.S. Code 45 ).

Additionally, XXXX has already removed this collection account, acknowledging the issue. Yet XXXX continues to report itdespite the same lack of validationwhich violates FCRA 1681i, which requires credit bureaus to remove unverified or disputed information.

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