Consumer complaint received 2022-12-30
Company: Security Credit Services, LLC
State: FL
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:
When viewing my XXXX report on XX/XX/2022, after receiving a monitoring alert from XXXX, I noticed there was a new alleged collection item as follows : Account Name : SXXXX XXXX XXXX  Account Number : XXXX, Alleged Balance : {$2900.00} and Alleged Past Due Amount : {$2900.00}, Date Opened : XX/XX/2022 that was just added to my XXXX credit report. 
The XXXX XXXX added this collection account to my XXXX credit report on XX/XX/2022 ( see attached ) and purposely placed the Date Opened : date of XX/XX/2022 so they could avoid the new Fair Debt Collection Act laws that were active as of XX/XX/2022 which clearly states the following : Before a collector furnishes information about a debt to a consumer reporting agency, the final rule generally requires the collector to take XXXX of several actions to contact the consumer about the debt. These actions include speaking with consumers about their debts by telephone, mailing a letter to the consumer, or sending an electronic message about the debt to the consumer. If mailing a letter or sending an electronic message to the consumer, the collector must wait a reasonable period of time to receive a notice of undeliverability, such as 14 days, before furnishing information to a CRA and must not furnish if a notice of undeliverability is received unless the collector takes additional steps. Collectors are also prohibited from, and will be strictly liable for, suing or threatening to sue a consumer to collect a time-barred debt, which is defined as a debt for which the applicable statute of limitations has passed.

Under the final rule, collectors will be also be required to provide readily understandable disclosures that contain more information than consumers currently receive when the collector first begins to communicate with the consumer to collect the debt. The disclosures must include details about the debt and consumer protections, including the right to dispute the debt and to request information about the original creditor. The disclosures also must continue to include a statement that indicates the communication is from a collector and is about a debt. The disclosures will help ensure that consumers are able to recognize debt they may owe and raise concerns about unfamiliar debts. A model form in plain language is provided that debt collectors may use to comply with the rule. 

Please note that I phoned this company on XX/XX/2022 to get information on who they are and I informed them that I had no knowledge of this debt. I also informed them that they had placed this alleged debt on my credit report without first allowing me the legal right to dispute the debt. I informed them they had not communicated with me in writing, via phone or electronically prior to placing this debt on my credit report. I also informed them they HAD NOT provided me with the following ; isclosures that contain more information than consumers currently receive when the collector first begins to communicate with the consumer to collect the debt. The disclosures must include details about the debt and consumer protections, including the right to dispute the debt and to request information about the original creditor. The disclosures also must continue to include a statement that indicates the communication is from a collector and is about a debt. The disclosures will help ensure that consumers are able to recognize debt they may owe and raise concerns about unfamiliar debts. 

They ignored my request to provide the information and the representative hung up on me.

Company response to consumer: Closed with explanation