You’re lucky then, in a way that doesn’t generalize to the broader question of collections being or not being worthless. Many debt collectors will routinely report longstanding uncollected debts to credit reporting agencies.
Maybe you got a rare debt collection agency that doesn’t bother, or one which decides your debt was too small to be worth their bother for that, or maybe your debt collector is actually the accounts receivable department of the gym (which probably isn’t set up to submit credit reports) rather than an external collections agency (which usually would be set up for that).
The thing about it is - fuck them - I'm not paying someone who scammed money out of me, no matter how they threaten me. If debt collection is part of that scam, then fuck them too.
I respect your feelings, and as I said upthread I do want it to become mandatory for cancellation to be as easy as signing up. Gym membership cancellation hassles are an awfully common abusive scam that should be legislated or regulated away and turned to something that’s actually fair for both sides instead of predatory.
My earlier replies to you were simply discussing the law as it is and the practices and consequences currently typical in debt collection, aside from when I agreed that changes in the legal rules would be a good thing. Neither your feelings nor my policy preferences change how the world currently works.
Maybe you got a rare debt collection agency that doesn’t bother, or one which decides your debt was too small to be worth their bother for that, or maybe your debt collector is actually the accounts receivable department of the gym (which probably isn’t set up to submit credit reports) rather than an external collections agency (which usually would be set up for that).