McKay filed a complaint with the Commission for Complaints for Telecom-television Services, an independent organization that helps customers in Canada resolve complaints related to internet and television services. Rogers replied to that complaint in an email, saying McKay didn't have the authority to dispute the account because it wasn't hers.

"The complainant has expressly confirmed that they are not the account holder and are therefore not authorized to submit a complaint on behalf of the account holder," it said.

McKay said that when she tried to dispute her debt with Equifax, one of Canada's largest credit-rating agencies, Rogers told them the account is legitimate and that the debt is hers.

"So, on one hand … they're telling me I don't have any authority to complain about how this is being handled or about the fact that I'm being held responsible for something," she said.

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[–] VicksVaporBBQrub@sh.itjust.works 2 points 1 day ago

Here in the US, small claims court limits are now at $10,000 and 10 years. The good news being if monies are under that amount and aged nearing ten years old are not worth going into court for the debt collector (and more worthwhile for the defendant to proceed into court).

Pros- higher limits, courts may be in your favor.
Cons- credit scores, only affects those that need credit for reasons.

McKay is doing all the right steps and has plenty more time and options ahead of her.