Consumer complaint received 2023-09-19
Company: Security Credit Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed on XX/XX/XXXX I received an alert from my credit stating an account from smart security service has reported to my credit and it was collections. I have never done business with smart security service XXXX XXXX XXXX  ). To be honest I never heard of the company. I have been a victim of identity theft from cable bills put in my name, hospital bills, XXXX data breach, etc. I had to have if and ssn and all change. I now have an alert on my credit. I have no dealings with this company and want it off my credit asap or the next response will be from my lawyer. I work too hard for my credit for me to wake up and XXXX points of one credit report and XXXX off another. I was never late on nothing and have a great credit score. I have also contact the company and advised of my information and was advised we dont have an account for you. My last complaint as you can see the company is stating they dont have an account for me and can not speak to anyone but the primary I AM THE PRIMARY that you guys are reporting on. My information from credit reporting has the sameee name which is my legal name. If you are saying you I have no account per my legal name HOW ARE YOU REPORTING TO MY CREDIT THE SAME LEGAL NAME. The credit bureau can only report names based on verification which means they have already verified based off my ID THAT THIS NAME IS CORRECT so how is it when disputing because the company saying my name has no account in their office but yet respond to dispute as verified. I am trying to give the company an opportunity to fix it but I have an attorney thats waiting to eat this company alive. He is begging for this case because its wrong and defamation of character and affecting my credit to FASELY report false information to my credit. We already have proof that the company said I dont have an account with them well how are you reporting? I called and was sent a packet of someone else information which is alert # 2. I was told to go to website but the option is not listed for fraud. I want the record to reflect this company is Fraud! Reporting illegal information on people credit report. If you pull the account number it has an name attached that is different from mines who is reporting the account that you are saying is not mines. Secondly the EXACT acct number I disputed with the credit bureau with the same different name that the credit bureau verified is me that you guys are reporting to and you are saying is my account FRAUD!! You have no account in your system with my name as you stated the account number provided has a different name REMOVE FROM MY CREDIT IMMEDIATELY! The name attached has no account with your office!! The account number attached name listed in your system and credit bureau is DIFFERENTREMOVE FROM MY CREDIT!! Remove this account its FRAUD! I have never DONE BUSINESS WITH YOU GUYS AND NEVER DONE BUSINESS!! Remove from my credit or I will sue for pain and suffering, my character, loss wages for seeing my attorney, court fees and etc!! Remove this account immediately because in your system it is attached to another persons demographics but with the credit bureau its attached to me the WRONG PERSON INFORMATION!

Company response to consumer: Closed with explanation