Stephen Collins -- Victim Says Apology NOT Accepted

The woman who was just 10 when Stephen Collins molested her and placed her hand on his penis says she's not buying his belated apology.

The woman -- now in her 50s -- is telling family members, "Stephen is minimizing the incident. It was not just a spontaneous touching ... that aggression resulted in him ejaculating."

She also scoffs at Collins decision not to apologize to her and another one of his victims, saying, "His assertion that he wanted to avoid reopening an old wound seems nonsensical to me."

She doesn't believe there are only 3 victims -- the ones he confessed to on audio.

The woman has filed a police report with the NYPD and an investigation is underway, but we're told any case would be rejected because of the statute of limitations.

She clearly wants more than a mea culpa, asking, "Why isn't he donating any disposable income, beyond what he needs to survive, to a child-abuse charity?" And she says, "Maybe he should at least try apologizing to his victims."