Consumer complaint received 2018-01-25
Company: Security Credit Services, LLC
State: TX
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:
Original Creditor / Account #: XXXX XXXX  Current Account Owner / Account #: Security Credit Services, LLCXXXX Debt amount: XXXX On XX/XX/XXXXa collection debt in the amount of $XXXX appeared on my XXXX credit reported by Security Credit Services on behalf of XXXX XXXX I contacted Security Credit Services - Collection Company and spoke to XXXX XXXX. I explained I am not familiar with either company and did not make this debt. XXXX XXXX would not research this matter until I contacted the police and provided her with a police report, a notarized affidavit and copy of my Texas driver's license. I provided the proof to her on XX/XX/XXXX. ned this was not my debt. XXXX XXXX acknowledged receipt of the documents on XX/XX/XXXX. After several weeks of not hearing anything from her I sent another email asking for the status of their investigation. XXXX XXXX stated she sent me a letter. After emailing back and forth I discovered she had actually sent the email to the address associated with the fraudulent information. I requested she send me the document with my address on it. She emailed it to me on XX/XX/XXXX OnXX/XX/XXXX I again contacted XXXX XXXX   as the account is still showing on my credit reports. She stated, the request to correct the information on my credit report would occur in 30 days. She stated she sent out the letter to all 3 major credit bureaus and I should expect the correction to appear in 30 days. I have tried to reach XXXX XXXX by phone along with an emails and as of today's date (XX/XX/XXXX) the information remains on my credit report. Regards, XXXX XXXX XXXX EMAIL TRAIL: RE: Erroneously reported debt Original debtor: XXXX   Account #XXXX Debt amount: $XXXX This email should serve as proof account number XXXX was fraudulently opened in my name and erroneously report to XXXX XXXX and XXXX. I have never had an account with XXXX XXXX and request this information be submitted to all three credit reporting agencies immediately for removal. The XXXX police has been notified of this the fraud on XX/XX/XXXX. XXXX case: #XXXX   Deputy: XXXX XXXX XXXX XXXX Burglary and Theft XXXX  Regards, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to me Hi XXXX, If you are stating that this account is fraud, the following documents will need to be submitted so that we can start a fraud investigation: Police Report (with account information listed on report) Notarized Affidavit of Forgery Copy of drivers license Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX [XXXX] Sent: Tuesday,XX/XX/XXXXXXXX XXXX To: Customer Service Credit; XXXX   Subject: Fraud investigation - account XXXX   XXXX XXXX XX/XX/XXXXto XXXX XXXX I suspect it to be fraud however it can simply be in error in the reporting process made to your company from XXXX. I would suggest you investigate it further determine it. I followed the directions you gave me to report it to my local police and I expect for your company to do something about it. Because again, it does not belong to me. I need that information removed from my credit report immediately! If you do not have the authority to do that then I need to speak to your supervisor. XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XX/XX/XXXX to cs, XXXX Documents requested by your regarding fraudulent account #XXXX. This email along with documents you requested should serve as proof of my identity as it relates to fraudulent account XXXX set up in error in my name using my personal information and reported by you to the national credit bureaus.. Again, I have not ever opened any account with Security Credit Services nor with XXXX XXXX This information should be immediately reported as fraud or erroneous to all three major credit bureaus. If this information remains on my account longer than 30 days I will report this to this matter to the Federal Trade Commission. I would like your actions relating to this matter in writing. Regards, XXXX XXXX XXXX. Attachments area XXXX XXXXXX/XX/XXXX to me Hi XXXX, We received your fraud documents. Please allow 3-5 days for fraud investigation period. Feel free to contact our office if you have any questions. Thanks, XXXX XXXX   From: XXXX XXXX [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX To: Customer Service Credit; XXXX XXXX XXXX   Subject: Re: Fraud investigation - account XXXX   XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX It has been several weeks since I provided you documentation you requested which should unequivocally prove I am not the person whom opened this account. I have not heard back from you by email not by mail as I requested you reply in writing to me regarding this matter. In addition, the information is still reflected on my credit report. Please advise what steps you have made in investigating this and when I can anticipate this erroneous information removed from all three major credit bureaus. RegardsXXXX XXXX XXXX Sent from my XXXX XXXX XXXX  XX/XX/XXXX to me Hi XXXX This account XXXX was closed due to fraud on XXXX. A letter was mailed to the address we have on file, XXXX XXXX XXXX XXXX  IL, XXXX. A deletion was submitted to the credit bureaus to update this account. The update may take up to 30 days for the credit bureaus to update your account. Attached you will find documentation for your records. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX   From: XXXX XXXX   [XXXX] Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX   Attachments area XXXX XXXX  XX/XX/XXXX to XXXX XXXX XXXX I did not receive the original document because the XXXX address is the fraudulent address. I reside in XXXX Texas and have never lived in XXXX. However I do appreciate your follow up on this matter and am looking to see this information removed properly from bureaus. XXXX XXXX. Sent from my XXXX XXXX XXXX XX/XX/XXXXto me Hi XXXX, I am sorry about the incorrect address on file. Do you want me to email you another letter with your corrected address information? If so, what is your correct address? From: XXXX XXXX   [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX Yes, I would like the correct address on the document. My address is: XXXX XXXX XXXX XXXX XXXX TX XXXX   Sent from my XXXX XXXX XXXXXX/XX/XXXX to me Hi XXXX, Attached you will find the requested corrected information. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX   [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX Attachments area XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX, The fraudulent account is still reflected in my credit reports. I realize you said I should wait 30 days however I am in the process of applying for credit and expected quicker movement on this since it has been adversely effect in my credit for several months now. Please advise when the correction was submitted to all three major bureaus and again, when I can expect this matter to be resolved. Regards XXXX XXXX XXXX  Sent from my XXXX XXXX XXXX XX/XX/XXXX to me Hi XXXX As stated in previous email this account update could take up to 30 days for credit bureaus to update your account. A deletion letter was mailed on XX/XX/XXXX for your records. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation