Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: RI

Complaint narrative:
I am being contacted by TekCollect regarding an alleged debt. I have disputed this account 4 times in writing and requested proper validation. Below is the timeline of my correspondence : XX/XX/scrub> 2025 After receiving numerous emails of this alleged debt from TekCollect, I sent my first email dispute requesting full legal validation and listed the five categories of information required by law to validate debt. I also instructed TekCollect to cease and desist from contacting me by any means other than in writing i.e., the email listed, and postal mail.

In response to this email, TekCollect mailed me improper documents dated XX/XX/year>2025 and received by me on XX/XX/year>2025. 

XX/XX/scrub> 2025 I followed up, acknowledging receipt of their mailing, but explained it was insufficient and failed to validate the alleged debt. 

XX/XX/scrub> 2025 I sent a third written demand for complete and accurate validation, detailing what they had failed to provide as I had not heard back. That same day, TekCollect replied stating : The validation was sent out on XXXX-2025. You should be receiving it any day. 

XX/XX/year>2025 I sent a fourth written dispute in response to their mailing dated XX/XX/year>2025 and postmarked XX/XX/scrub> 2025, again pointing out that their second mailed response did not constitute legal debt validation. 

XX/XX/scrub> 2025 TekCollect replied : Everything required by law has been sent to you. The account will remain in collections until it is paid. Filing a complaint will not make the account go away. 

Deficiencies in the documents TekCollect provided : They sent a total of 2 mailings. Their mailings consisted of a copy of an application/contract, some terms and conditions from XXXX XXXX XXXX , a TCPA consent form, and a one-page account history letter on finance company letterhead dated XX/XX/scrub> 2025. That letter explicitly states : The account balance does not reflect the current payoff amount. To obtain a payoff, please call Violations include : Failure to identify the current creditor TekCollects letters refer vaguely to our client but never name the current creditor in a clear and compliant manner, violating 15 U.S.C. 1692g ( a ) ( 2 ).

Failure to provide proof of ownership or authority TekCollect has not provided a bill of sale, assignment, or other legal documentation proving they own the alleged debt. If they do not own it, they are required to identify the creditors full legal name and mailing address and provide written proof of their authority to collect on the creditors behalf. No such proof has been given.

Failure to provide a complete accounting The account history letter is not compliant with 12 C.F.R. 1006.34 ( c ) ( 2 ). It does not include : An itemization date The amount of the debt on that date An itemized breakdown of interest, fees, payments, and credits since that date The current balance ( it expressly admits the balance shown is not current ) Failure to provide a right-to-dispute disclosure Their initial communications did not include the required 30-day dispute notice explaining my right to dispute the debt, request verification, and request the name and address of the original creditor, violating 15 U.S.C. 1692g ( a ) ( 3 ) - ( 5 ).

False and misleading representation TekCollect stated in writing that everything required by law has been sent, which is untrue. Misrepresenting compliance with the law constitutes a violation of 15 U.S.C. 1692e.

Why this matters : Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), once a written dispute is made, collection activity must cease until proper verification is mailed. TekCollect has continued collection efforts without providing proper verification.

Under the CFPBs Regulation F ( 12 C.F.R. 1006.34 ), a validation notice must include the current creditors name, an itemization date, the balance on that date, an itemization of all adjustments, and the current amount due. TekCollect has failed to provide this.

Their false claim of compliance is misleading and unlawful under 15 U.S.C. 1692e.

What I am requesting : Require TekCollect to cease all collection activity unless/until they mail a legally compliant validation notice.

Require TekCollect to identify the current creditor and provide a complete and accurate itemization including the current balance.

Require TekCollect to provide proof of ownership or assignment if they claim to own the account, or proof of authority to collect if they are acting on behalf of another entity.

If they can not provide proper validation, require TekCollect to close this collection account and permanently cease collection activity.

Require that all further communication be in writing only.

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