Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TekCollect Inc . 
XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Re : Formal Demand for Validation and Removal of Alleged Debt Account # XXXX Amount : {$500.00} To Whom It May Concern, This letter is a formal dispute and demand for validation of the alleged debt referenced above. I do not acknowledge this debt, and I am requesting full verification and proof that your company has the legal right to collect or report it. 

This request is made under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. You are not permitted to assume this debt is valid or continue collection efforts until complete documentation has been provided. 

Required Documentation : The original signed agreement or contract between myself and the original creditor establishing a legal obligation. 

A complete chain of assignment or transfer, showing all sales or transfers of this debt from the original creditor to Tek Collect, including names, signatures, and dates. 

Proof of ownership or legal assignment, including the bill of sale or purchase agreement granting Tek Collect authority to collect. 

A complete and itemized accounting showing how the balance of {$500.00} was calculated, including principal, interest, and any additional charges. 

The name, address, and contact information of the original creditor, along with the date the account was opened and charged off. 

Copies of all correspondence or billing statements allegedly sent to me, with proof of mailing or delivery. 

Proof of your license and authorization to collect debts in the State of XXXX, including your license number and bond information. 

Legal Notice : A billing statement, internal note, or printout is not proper validation under federal law. Providing such documents will be considered a willful violation of FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), which requires that all collection activity cease until proper verification is obtained and mailed to the consumer. 

If Tek Collect can not provide verifiable documentation, you must immediately : Delete this collection account from all credit reporting agencies. 

Cease all collection activity related to this alleged debt. 

Confirm in writing that this account has been permanently removed from your system. 

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office. I also reserve the right to pursue civil damages for willful and negligent violations under 15 U.S.C. 1681n, 1681o, and 1692k. 

This is not a request for an explanation or summary it is a demand for full, verifiable proof. If the requested documentation is not received within XXXX days, you must immediately delete this account and cease all reporting activity. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation