Consumer complaint received 2017-12-27
Company: Security Credit Services, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and Security Credit Services ( SCS ). XXXX and SCS added a collections account to my credit report on XXXX/XXXX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX  XXXXXXXX XXXX on XXXX XXXX, XXXX. 

When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXXt on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. 

XXXX : XXXX I than received a call from XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX who said he bought the XXXX XXXX XXXX XXXX XXXX number at least 2 yrs ago. XXXX said XXXX XXXX XXXX XXXX XXXX had closed down over 4 years ago. 

I called XXXX back and asked how a new account could be opened on XXXX XXXX XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XXXX XXXX, XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at Security Credit Services ( SCS ) and I should call SCS.

I than called Security Credit Services ( SCS ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the SCS customer service person this was not my address and she started to get very upset. 

I told SCS this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. SCS said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. 

I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. 

Im asking XXXX to remove this fraudulent collections account from my XXXX, XXXX and XXXX credit reports because Im a victim of Identity Theft. 

XXXXm including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation