Consumer complaint received 2023-10-24
Company: Security Credit Services, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to responses sent to me from your company, via the Consumer Financial Protection Bureaus portal, and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Your response to me, on XX/XX/XXXX included the following four documents below : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

Per FDCPA, prior to initiating any collection or reporting action, I was supposed to receive a letter, from Security Credit Services including the following : - Statement that the communication is from a debt collector.

- My name and mailing information. 
- The name and mailing information of the debt collector. 
- The name of the creditor alleged debt is owed to. 
- The account number associated with the alleged debt. 
- An itemization of the current amount of the alleged debt that reflects interest, fees, payments, and credits. 
- The current amount of the alleged debt when the notice is provided. 
- My right to dispute the alleged debt within 30 days of the receipt of letter. 

In violation of FDCPA and FCRA, this notice was NEVER sent to me by Security Credit Services, eradicating my right to dispute, and erroneous, enegative, invalidated information was illegally put on my credit report.

Per Security Credit Services uploaded documentation, I have several concerns regarding any liability on my behalf to pay Security Credit Services, the legitimacy of Security Credit Services documentation, the legitimacy of Security Credit Services right to collect and the fact that Security Credit Services never sent a legitimate notice of debt collection to me, despite falsely claiming notices were sent. 

The first notice, dated, XX/XX/XXXX, was allegedly sent from a company called XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and the second notice dated XX/XX/XXXX, was allegedly sent from a company called XXXX XXXX XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX. These are clearly different companies from Security Credit Services, and does not eradicate Security Credit Services to follow the law, and send its own properly formatted debt collection notice, with all required components, which Security Credit Services did not produce or upload to the CFPBs portal, in response to my complaint, because it was never sent to me. This is a violation of the FDCPA and FCRA. 

Per Security Credit Services XX/XX/XXXX letter, it recognizes itself as a debt buyer and debt collector. It therefore must comply with FDCPA and FCRA. 

In addition to Security Credit Services never sending me proper notification of debt and the right to dispute, the notifications that were provided by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were sent to addresses that I have never resided at. The XX/XX/XXXX notice was sent to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VA XXXX and XX/XX/XXXX notice was sent to XXXX XXXX XXXX XXXX XXXX VA XXXX. I, again, have never resided at these addresses. 

The lease to purchase agreement provided does not constitute any proof that I have any obligation to pay Security Credit Services, nor that this is an agreement that was initiated by me. Neither does my email address matching the email address Security Credit Services has on file. 

Per 12 CFR 1006.18, a debt collector must not use any false representation or decep-tive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Security Credit Services failed to adhere to the above referenced provision by failing to send me notification of this alleged debt, providing notifications from oth-er debt collectors as though it were from Security Credit Services , and providing con-flicting information, that I must contact XXXX XXXX to dispute this debt, but that Security Credit Services is the alleged owner of the debt. 

To be clear, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay Security Credit Services what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Show me the purchase agreement of this alleged debt from XXXX XXXX to Security Credit Services Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that as your office has reported invalidated information to all of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action constitutes fraud under both Federal and State Laws. Due to this fact, if any negative mark/account continues to remain on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any continued action occurs, which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. 

If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. 

I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 

It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. 


Best Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation