Consumer complaint received 2017-07-06
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX an appliance in my kitchen broke down. Responding to credit emails, I went to my local XXXX store in XXXX, CA and ended up leasing a new appliance. XXXX charged my checking account and their leasing company called XXXX  charged my checking account for 3 more monthly payments that totalled almost {$1000.00}. The appliance developed a vibration and a noise. XXXX came and got the appliance and the charges stopped being deducted. In XXXX my credit monitoring company notified me a negative item appeared on my XXXX reports ; a " collection '' by Security Credit Services, XXXX, Ms . The collection was for {$1300.00} for an entity called XXXX ; which apparently is another name for XXXX I disputed the item. Correspondence with SecurityCreditServices followed. They said they " verified '' the collection and YES it was mine. I repeated my diespute and asked how they verified it. No reply ; instead an electronically generated copy of a contract that also said contained a verified signature, but no signature. I disputed it again. Also pointed out Public Law 111 that concerns responsibilities of debt collectors. And then I discovered that Security Credit Services LLC was in fact not a collection company, but an accounts receivable purchaser in this case buying a bundle of misc debts in the hopes they can get alleged debtors to pay them something. It was pointed out to XXXX XXXX at Security Credit Services that the contract they bought has a provision for settling disputes through arbitration and they refuse to respond to demands they open an arbitration. They also have said iof I would give them a copy of my ID they would do some other kind of investigation. After speaking to Office XXXX of the XXXX MS Police Dept,  he agreed with me that I do n't sent Security Credit Services my ID.
I have discovered that Security Credit Services LLC was fined {$800000.00} for deceitful collection practices and the Federal Trade Commission in XXXX paid out probably tens of thousands of refunds in a stipulated judgement agains Security Credit Services LLC. A complaint has been also registered with the BBB of Mississippi. Included in that complaint is the observation that a more than 6 yr old address where I did live is the one that appears with my name on the electronically generated contract. Additionally in matters legal, my father 's name is XXXX with no middle initial because he had none. My name is XXXX but I have a middle name and middle initial, which legally I always have. That is what prompted me to include the potential that a fraud was committed by someone, I do n't know who. Personally, I think the fraud has been perpetrated by whomever generated the fake contract with the 6 yr old address as a means of seemingly " verifying '' their collection efforts. The requirement to VERIFY seems apparently to be not that the alleged debtor might actually owe something to someone, but rather in this case did whomever doctored up the contract not in my legal name and not with my actual address now for nearly 3 years, but is some name kinda like mine and an address that was used nearly a decade ago. Security Credit Services simply does n't want to hear the actual facts. And XXXX can assist by pulling the appliance record and having the arbitor compare this to the reality of where is that appliance? So simple.

Company response to consumer: Closed with explanation