Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: CA

Complaint narrative:
To Whom It XXXX Concern : I am submitting a formal complaint regarding a debt reported by TEK Collect on behalf of XXXX. This debt is factually inaccurate, illegally reported, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting its immediate deletion from all XXXX credit bureaus ( TransUnion, Equifax, Experian ). Below is the legal basis for this demand : XXXX. No Legal SSN or Work Authorization at Contract Signing The XXXX contract was signed on XX/XX/year> ( see attached contract ). 
My XXXX Employment Authorization application was not submitted until XX/XX/year>, and was not approved until XX/XX/year> ( see attached XXXX approval notice ). 
This means I did not possess a XXXX Social Security XXXX when the debt was originated. 
Attaching this debt to my XXXX credit report is a misattribution of identity, violating : FCRA XXXX ( b ) maximum possible accuracy standard FCRA XXXX ( a ) ( XXXX ) ( A ) inaccurate or incomplete data furnished to CRAs XXXX. Debt Originated Using a XXXX XXXX  Card The payment method used to open this account was a XXXX XXXX  card ending in XXXX, confirmed in the contract. 
This credit line has never reported XXXX XXXX XXXX XXXX and was not tied to a XXXX SSN or address. 
TEK Collect is attempting to collect on a non-XXXX. financial instrument using the wrong legal identity, which violates : FCRA XXXX ( b ) again ( identity mismatch ) FDCPA XXXX ( XXXX ) ( A ) misrepresentation of character/legal status of debt XXXX. XXXX Breached the Contract Before Completion XXXX shut down mid-treatment and filed for Chapter XXXX bankruptcy on XX/XX/year> ( Case No. XXXX, XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Texas XXXX. 
I was billed for services that were never fully rendered and told to continue paying. 
A {$4.00} XXXX settlement was already reached by the New York Attorney General on behalf of defrauded consumers over similar issues. 
XXXX breach invalidates the contract and makes any attempt to collect the full amount unenforceable. 
Continuing to report this debt despite that violates : FDCPA XXXX ( b ) collection without valid verification FCRA XXXX ( a ) ( XXXX ) reporting debts without confirming legal validity XXXX. Dispute Was Wrongfully Verified by XXXX I previously disputed this item with XXXX 
They marked it as verified, even though I had no SSN at the time of origination and no legal debt obligation due to contract breach. 
XXXX is now potentially liable for continuing to report this without full reinvestigation, under : FCRA XXXX ( b ) failure to properly investigate disputed info Attachments : XXXX. XXXX XXXX contract signed XX/XX/year> XXXX. XXXX XXXX XXXX XXXX proves no XXXX existed until XX/XX/year> XXXX. XXXX XXXX XXXX confirming contract enforcement attempt XXXX. Restructuring XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   despite overwhelming evidence Additionally, I never authorized XXXX or any third party to report this debt to XXXX credit bureaus. 
When this account was created, I did not have a Social Security XXXX, a XXXX credit file, or any relationship with XXXX XXXX XXXX 
Attaching this account to my XXXX identity without consent or legal basis is a clear violation of the Fair Credit Reporting Act. 
This was a cross-border transaction linked to a XXXX XXXX  card, and it was unlawfully linked to my XXXXXXXX XXXX once I became eligible years later. 


Thank you for your attention.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation