Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TekCollect Inc.
State: PA

Complaint narrative:
I am disputing a collection account reported by TekCollect on behalf of XXXX. The account appears on my credit reports with a balance of {$2200.00}, and TekCollect has listed it as a collection with both XXXX XXXX XXXX 

In my initial complaint ( Reference # XXXX ), I explained that the original company, XXXX, has filed for bankruptcy and is no longer operating. TekCollect claims they sent a debt validation notice on XX/XX/XXXX. However, I did not receive any such notice because they sent it to an old address where I no longer reside. I was never given a fair opportunity to review or dispute the debt within the 30-day period. As a result, they failed to properly validate the debt under the Fair Debt Collection Practices Act ( FDCPA 809 ), and continued to report it to the credit bureaus anyway. This is a violation of my consumer rights. 

Additionally, I never received the full treatment I was promised by XXXX before they shut down. Because the services were never completed and the creditor is now bankrupt, the amount being collected is inaccurate, inflated, and not legally enforceable. 

TekCollect is continuing to report this incomplete and unverifiable debt, which is harming my credit. I am formally requesting that this account be removed from my credit reports under FCRA 607 ( b ) ( inaccurate/incomplete reporting ) and 611 ( a ) ( failure to properly verify the debt ). 

I have already tried resolving this directly and through my previous CFPB complaint. I now ask that this account be deleted from my credit reports immediately. 

DECLARATION of XXXX XXXX I, XXXX XXXX, declare under penalty of perjury that the following is true and accurate to the best of my knowledge : I am disputing a collection account being reported by TekCollect for a SmileDirectClub debt in the amount of {$2200.00}. I believe this information is inaccurate and damaging to my credit. 

The original creditor, XXXX, has filed for bankruptcy and is no longer actively operating. I also want to state that I never received the full treatment that was promised to me by XXXX. The service was incomplete before they shut down operations. 

TekCollect has not provided full documentation or legal proof of the debt. Because the original creditor is bankrupt, the debt is based on an incomplete service, and proper validation has not been provided.

TekCollect claims they sent a debt validation notice on XX/XX/XXXX. However, I did not receive any such notice because it was sent to an old address where I no longer reside. I was never given a fair opportunity to review or dispute the debt within the 30-day period. As a result, they failed to properly validate the debt under the Fair Debt Collection Practices Act ( FDCPA 809 ) and continued to report it to the credit bureaus anyway. This is a violation of my consumer rights.

I am requesting this account be removed from my credit reports immediately under my rights established by the Fair Credit Reporting Act ( FCRA ). 



Signed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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