Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8162163
Complaint Overview
Complaint ID: 8162163
Company: Tekcollect INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Mississippi
ZIP Code: 39110
Date Received: 2024-01-13T12:00:00-05:00
Date Sent to Company: 2024-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX is reporting a balance of {$210.00} on my credit report. In XX/XX/2023, TeKcollect, a collection email sent a dunning letter, on behalf of XXXX XXXX XXXX XXXX. in the letter, TekCollect letter stated that as of XX/XX/2023 i owed XXXX XXXX XXXX XXXX, XXXX. The letter also stated that i paid or were credited XXXX leaving a balance of XXXX Currently, XXXX XXXX XXXX is still reporting a balance of XXXX on my credit report after the letter from tekcollect shows XXXX for the same accounthave reached out to both companies and neither will correct the issue. i have attached both documents as proof as well as my credit reports. Additionally Tek Collect is a collection company which means that XXXX XXXX XXXX XXXX sold the account to a third party which will make it a violation to continue to report a balance on an account that has been sold. Furthermore, XXXX XXXX XXXX XXXX reporting the account as a open account when it is reporting as as collection./chargeoff which means its closed by default. These inconsistencies prove that no reasonable or proper investigation has occurred. I have been disputing these accounts for a year. FCRA section 616 for civil liability for willful non compliance, ( 15 U.S.C section 1681nh states that any person who fails to willfully comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of A- any actual damage sustained by the consumer as a result of the failure or damage of not less than {$100.00} and not more than {$1000.00}. i have suffered damages to my credit profile which has impacted my financial wellbeing. I would like to be compensated by these bureaus in the sum of more than {$100.00} and not more than {$1000.00} for their negligence in causing these violations and damages to my credit report According to FCRA 623a ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX continues to report the balance of XXXX and an open account status for an account that is a chargeoff/collection B ) reporting information after notice and confirmation of errors- a person shall not furnish information relating to a consumer to any credit reporting agency if ( 1 ) the person has been notified by the consumer at the address specified by the person for such notices that specific information is inaccurate and the information is infact accurate. Here, for the i have dipsuted for a year with all three credit buraus constantly pointing out the inconsistencies that are being report. Each time, the bureaus confirms that XXXX has verfied the account as accurately, however, all of these consistencies and inaccuracies remain. Furthermore, outside of XXXX, XXXX and XXXX reporting the chargeoff as a open account, XXXX is reporting the date of last activity as XX/XX/2023 XXXX is reporting XX/XX/2023 and XXXX is reporting XX/XX/2023. XXXX and XXXX fails to report the date of last payment while XXXX is reporting the date of last payment as XX/XX/2023 when this account was paid in XXXX, therefore it is evident that XXXX did not conduct a reasonable investigation as the date of last activity should reflect the last date a payment was made This account was disputed with XXXX, XXXX and XXXX, and all companies fail to mark the account as disputed as outlined in the 15 U.S.C section 1681
Frequently Asked Questions
What is Complaint #8162163 about?
Complaint #8162163 was filed against Tekcollect INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-01-13T12:00:00-05:00.
How did Tekcollect INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Tekcollect INC.?
Yes, visit the Tekcollect INC. company profile at readthecomplaint.com/company/tekcollect-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.