Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: WA

Complaint narrative:
This was submitted to all companies involved ( including collections ). No action to resolve the issue has been taken... 

To Whom It XXXX Concern, I am submitting this as a formal dispute and legal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). 

This dispute concerns the XXXX ( XXXX ) account that XXXX is now attempting to collect on, following the companys operational wind-down and bankruptcy. 

XXXX. XXXX Breached Its XXXX XXXX materially breached its contract with me prior to its bankruptcy filing by failing to deliver the complete products and services for which I entered into agreement. Specifically : XXXX full sets of aligners were never delivered. 
The prescribed retainers were never provided. 
Multiple attempts to contact XXXX went unanswered. No replacement shipments, refunds, or corrective actions were offered. 
Further, SDCs bankruptcy filing and permanent closure have rendered all contractual guaranteesincluding the advertised Lifetime Smile Guaranteevoid and unenforceable. This termination of services is a direct admission that SDC is no longer capable of fulfilling its obligations under the original contract. 
Therefore, XXXX the consumeris in breach of contract. The agreement has failed for lack of performance and consideration, and no valid payment obligation remains. 

XXXX. XXXX XXXX XXXX Confirms Cancellation of Undelivered Accounts XXXX XXXX XXXX ( XXXX ), which originally serviced SmileDirectClubs installment plans, has publicly stated at XXXX : XXXX : If you entered into a XXXX plan and did not receive the initial set of aligners or did not receive your aligners in full, you are not obligated to continue making payments under your Retail Installment Contract ( XXXX ), and any outstanding balance under the XXXX will be canceled. 
My account falls squarely under this policy : the aligners and retainers were not delivered in full, and no contractual services ( including the Lifetime Smile Guarantee ) remain active. Thus, the account is legally null, and any continued attempt to collect is in violation of both HFDs own public policy and federal consumer protection law. 

XXXX. Legal Demand for XXXX XXXX XXXX to XXXX XXXX. XXXX and XXXX XXXX. XXXX ( b ), I am formally demanding that XXXX : -Cease and desist all collection activity related to this invalid account. 
-Remove any negative credit reporting or inquiries associated with this account from all consumer credit agencies ( Experian, Equifax XXXX and TransUnion XXXX immediately. 
-Provide written confirmation within XXXX calendar days that the account has been closed, the balance set to {$0.00}, and all related credit reporting entries deleted. 

XXXX. Notice of Enforcement Any continued attempt to collect, sell, or report this disputed account will be considered a willful violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. If XXXX fails to comply, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX XXXX XXXX XXXX Attorney General for investigation and enforcement. 
XXXX documented breach, bankruptcy, and inability to honor its Lifetime Smile Guarantee make any attempt to enforce payment both unlawful and unethical. I expect full resolution and written confirmation within 15 days of receipt of this notice. 

Thank you for your prompt attention.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation