Consumer complaint received 2024-10-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (FL)

I am filing this complaint against Security Credit Services , LLC, for engaging in deceptive and misleading practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Over the course of my interactions with them, Security Credit Services has demonstrated multiple failures and violations that have caused significant harm and confusion regarding a disputed debt account under my name.

Here are the key issues Ive faced : 1. Failure to Report Dispute Status to Credit Bureaus ( Violation of FCRA ) : Despite Security Credit Services claim in their correspondence that they reported my account as disputed to the credit bureaus ( XXXX, XXXX, and XXXX ), I have confirmed through my XXXX credit report that no such update was made. 
This is a violation of the FCRA as they are required to report accurate information, including dispute statuses, to the credit bureaus. The failure to do so is misleading and harms my credit standing. 

2. Misleading and Conflicting Contact Information ( Violation of FDCPA ) : Security Credit Services has repeatedly provided inconsistent and conflicting addresses, making it impossible to communicate effectively with them regarding this debt. 
Here are the addresses Ive received : An initial invalid address : ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ), which resulted in returned certified mail ( evidence available ). 
A second address : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 
A third address : po box XXXX, XXXX, XXXX XXXX. 
These conflicting addresses are not only confusing but also suggest that Security Credit Services is deliberately avoiding transparency and making it difficult for me, as the consumer, to resolve the matter. This behavior violates the FDCPA, which requires debt collectors to provide accurate contact information and act in good faith.

3. Failure to Properly Investigate My Identity Theft Claim ( Violation of FDCPA ) : I reported this debt as fraudulent due to identity theft, providing Security Credit Services with my FTC Identity Theft Report, police report, and bank notice of a data breach ( related to the theft of my personal information ).

Despite this, Security Credit Services has failed to properly investigate my claim, instead repeatedly asking for unnecessary documents ( such as a notarized affidavit ), which I have already provided through other means. This delay and failure to act promptly further violate their obligations under the FDCPA. 

4. Deceptive Practices in Requesting Additional Documentation : Security Credit Services continues to demand more personal information, such as a State Issued ID and notarized Affidavit of Forgery. Given that I am a victim of identity theft, I am extremely hesitant to provide further sensitive information to a company that has already demonstrated a lack of professionalism and good faith. 
Their insistence on this additional documentation, despite having sufficient proof of the fraudulent nature of the debt, further illustrates their bad-faith approach to this matter. 

Supporting Evidence : I have attached the following documents to support my complaint : Letters from Security Credit Services showing multiple conflicting addresses. 
Return receipts and proof of failed communication attempts due to their invalid contact information. 
FTC Identity Theft Report and XXXX Bank XXXX XXXX Notice of Data Breach, show my personal information was compromised.