Consumer complaint received 2023-10-27
Company: Security Credit Services, LLC
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX number ( XXXX ) XXXX Re : Request for Verification of Debt Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt associated with the account referenced above. I appreciate your attempt to provide documentation ; however, there are significant concerns I need to address. 



First and foremost, your documentation does not contain any verification or validation that I owe this debt. What is presented appears to be a bill that does not bear my signature, neither written nor electronic. Additionally, the provided documentation does not bear my name or address, and there is no direct link to me. 



It is essential to adhere to the Fair Credit Reporting Act ( FCRA ) regulations, which require that accurate and verifiable information is reported. The absence of my signature, name, or address on the documentation raises questions about the legitimacy of this debt. This situation is of utmost concern because it directly affects my creditworthiness and reputation. 



I would like to draw your attention to the FCRA 's requirement of fair and accurate reporting. Your current approach raises concerns about defamation of character, slander, and potential violations of consumer laws. I am prepared to provide documentation that establishes my name, address, and residence history, all of which predate the date associated with the account in question. I am confident that this will demonstrate that the documentation you have is not connected to my identity. 



In the spirit of resolving this matter promptly and in compliance with all relevant laws, I kindly request that you provide me with detailed verification of this debt. This verification should include evidence that establishes my liability for the debt, such as a signed agreement or other valid documentation. 



I expect a thorough investigation into this matter to rectify any inaccuracies in your records, and if the debt can not be validly verified as mine, I request its immediate removal from my credit report. 



Please keep in mind that my rights under the FCRA and other consumer protection laws must be respected. Therefore, I anticipate a prompt and diligent response to this request for debt verification. Please remove from my credit report as well as quit reporting inaccurate information. 



Sincerely, XXXX XXXX XXXX XXXX was the last letter I sent to them disputing the evidence that they so-called had was totally wrong that was the last letter I sent to them disputing the evidence that they so-called had was totally wrong XXXX XXXX Consumer Dispute XXXX XXXX XXXX XXXX XXXX, PA XXXX Security Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  Dear Sir or Madam, I am writing to express my profound disappointment in the actions of XXXX, XXXX, and Security Credit. Over the course of my efforts to resolve discrepancies in my consumer credit reports, it has become abundantly clear that these companies have violated consumer rights, the code of ethics, and the Fair Credit Reporting Act ( FAIR Act ). 

I have initiated disputes with XXXX and the two creditors, XXXX and Security Credit, to address inaccuracies in my credit report. Despite sending dispute letters, debt validation letters, and debt verification letters, I have been met with a deafening silence, as my efforts to rectify these discrepancies have been entirely ignored. 

My dispute with XXXX stemmed from an account with XXXX that displayed an incorrect address, which I promptly challenged with documentation proving that I received mail at my correct address around the same time. However, it appears my concerns have fallen on deaf ears. Moreover, XXXX is attempting to collect on behalf of XXXX, even though I have never had any business dealings with them. I have provided substantial documentation, including bank statements as proof of my residency, and yet they continue to pursue a debt that is not mine. 

The heart of the matter is that both XXXX and the collection agencies should never have reported information that they could not validate. The " evidence '' presented is far from validation, with the name being incorrect and the address differing from mine. This glaring discrepancy leaves one to question how such information can be considered valid. 

Consumer laws are being violated, as investigations conducted by these entities lack depth and due diligence. The current approach, where automated systems like " XXXX '' assign a number to the dispute, and data is cross-referenced with databases like XXXX, fails to constitute a legitimate investigation. 

XXXXXXXX XXXX lack of proper investigative procedures has resulted in tarnishing my creditworthiness, and this is something that should not be taken lightly. Negative information should only be reported if it is verified. It is disheartening to see that this is not consistently adhered to. It is unjust that creditors can make claims against me without proper validation, affecting my reputation and creditworthiness. 

When consumers like me attempt to report discrepancies, it is only fair that we are subject to a rigorous validation process. But do not do the same to the creditors should be asked for evidence and required documentation before any negative information is included in our credit reports. But they don't they just take what a creditor says and puts it on our credit report and It is disheartening to witness the negligence in upholding consumer protection laws. 

I am deeply dissatisfied with the way these consumer laws are being disregarded, and I implore you to rectify this situation on behalf of all individuals who have been wronged by such practices. My credit is being unfairly tarnished, and I am continuously denied access to credit opportunities, all due to the irresponsibility of the credit reporting agencies and creditors. 

In conclusion, I kindly request that you take immediate action to address these issues, rectify the inaccuracies in my credit report, and ensure that proper investigative procedures are followed in accordance with consumer protection laws. 

Thank you for your attention to this matter. I trust that you will uphold the principles of fairness, integrity, and accuracy that are fundamental to our consumer credit system. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation