Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

Subject : Formal Dispute Regarding Debt Collection Practices Request to Cease All Contact XXXX XXXX XXXX XXXX way XXXX Ga, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Re : Collection Dispute for [ Account Number ] with Security Card Services Account Holder : XXXX XXXX Dear Sir or Madam, I am writing to formally dispute a debt that is being reported by Security Card Services and request immediate review and resolution of this matter. This letter is in accordance with my rights under federal law, specifically 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), and 15 USC 1681-s 2 ( 7 ) ( a ), and is intended to address various concerns related to inaccurate information and improper communication by the collection agency.

Basis of Dispute : 1. Failure to Provide Clear Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide specific information related to the alleged debt in their initial communication. Security Card Services has failed to provide clear and complete validation of the debt in question, which is a direct violation of this requirement.

2. Failure to Provide Consumer Rights Notification : Per 12 CFR 1006.34 ( c ) ( 4 ) ( i ), debt collectors must provide a clear and conspicuous statement outlining the consumers rights, including the right to dispute the debt. Security Card Services has neglected to provide proper notification, limiting my ability to fully exercise these rights.

3. Inconsistent Debt Reporting : According to 12 CFR 1006.34 ( d ), the collection agency must ensure the accuracy of the reported debt. The information being reported by Security Card Services contains inaccuracies, which are damaging to my credit report. Please conduct an immediate investigation and correction of this inaccurate reporting.

4. Failure to Follow Reasonable Procedures in Debt Reporting : Under 15 USC 1681-s 2 ( 7 ) ( a ), furnishers of credit information are required to adopt and follow reasonable procedures to ensure the maximum possible accuracy of the data being reported. Security Card Services has violated this provision by reporting incorrect and harmful information to the credit reporting agencies, despite my previous requests for clarification and correction.

Request for Cease and Desist Communication : In accordance with my rights, I formally request that Security Card Services cease all forms of communication with me, including phone calls, text messages, and emails. All future correspondence should be in writing only and directed to my mailing address listed above.

Failure to comply with this request and further attempts to contact me in any other form will be considered a violation of my rights under federal law, and I will not hesitate to pursue further legal action, including filing a formal complaint with the CFPB and other relevant authorities.

Conclusion : I kindly ask that the CFPB review my dispute and work towards a fair resolution of this matter. Please ensure that Security Card Services takes immediate steps to correct the inaccuracies in my credit report and ceases any further direct communication with me. 

I appreciate your prompt attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX