If you have a lump on the tip of your collarbone and it does not hurt could it still be an infection?

If there is no inflamation, swelling or pain, it may be a fatty [sebaceous ] cyst[ in an odd place] or even just a natural overgrowth of cartilege. If it's not growing or causing you any discomfort, and you have no recent injury , just remember to point it our to your doctor at your next visit.