Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TekCollect Inc.
State: GA

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX, appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the DOFD directly affects the reporting period and the negative impact on my credit profile. 
Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
XXXX. Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : XXXX the original date the account first became delinquent, XXXX complete payment history establishing the DOFD, XXXX any internal records, system notes, or documentation used to determine this date, XXXX and the exact DOFD you furnished to each credit reporting agency. 
If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate. 
XXXX. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : XXXX account status, XXXX payment history codes, XXXX charge-off details ( if applicable ), XXXX balance information, XXXX any remarks or comments, XXXX and all XXXX XXXX fields submitted. 
This request is made to determine whether the data being reported is complete and supported by your internal documentation. 
XXXX. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : XXXX the original contract or account application, XXXX complete and unaltered payment history, XXXX full internal notes related to the management, placement, or adjustment of the account, XXXX any charge-off documentation ( if relevant ), XXXX and any account-level data used to support your reporting. 
If you do not have these records, then the information being furnished may not be verifiable. 
XXXX. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : XXXX inaccurate reporting, XXXX incomplete records, or XXXX unverifiable DOFD information, please update the account to reflect accurate data immediately. If the information can not be verified to the standard required for lawful reporting, the tradeline must be deleted from all consumer reporting agencies. 
This letter is not yet a demand for deletion, but a request for verification so that accurate reporting can be ensured.

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