Consumer complaint received 2024-09-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Validation under the Fair Debt Collection Practices Act ( FDCPA ) and California Fair Debt Collection Practices Act ( CFDCPA ) Account Number : XXXX Account Name : SECURITY CREDIT SERVIC Dear Security Credit Services, I am writing regarding the alleged debt you are attempting to collect under account number XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809, and the California Fair Debt Collection Practices Act ( CFDCPA ) under California Civil Code 1788 et seq., I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same. Please supply the following information so that I can be fully informed : 1. Proof of My Responsibility for the Debt Documentation showing that I am responsible for this debt : Provide a copy of the written agreement that created my original obligation to pay, or any other document that substantiates that I owe this debt to the current creditor, as required under FDCPA 15 USC 1692g ( b ) and California Civil Code 1788.14.

2. Details of the Debt Breakdown of charges : Please provide me with a detailed explanation of the amount owed, including a breakdown of all additional charges, interest, and payments made, as per California Civil Code 1788.15.

Last billing statement : Provide a copy of the last billing statement sent to me by the original creditor, as required under California Civil Code 1788.17, incorporating the FDCPA requirements.

Amount owed at the time of transfer : Indicate the amount of the debt at the time you obtained it, and if any additional interest, fees, or charges have been added, provide an itemized breakdown showing the dates and amounts of each addition.

3. Name and Address of the Original Creditor Identification of the original creditor : If this debt has been transferred or sold, provide the name and address of the original creditor, along with the account number used by that creditor and the amount owed at the time of transfer. California Civil Code 1788.17 mirrors this requirement under the FDCPA.

Transfer of the debt : Inform me when the current creditor obtained the debt and from whom they obtained it. This is in line with the requirements for accurate and complete information under Californias Rosenthal Fair Debt Collection Practices Act.

4. Proof of Your Authority to Collect This Debt Documentation of your legal authority : Provide proof that your agency has the legal authority to collect this debt on behalf of the current creditor. This should include any contract or agreement that grants you the right to act on behalf of the original creditor.

Debt collection license in California : Provide the details of your debt collection license in California, including the date of issuance, the name on the license, the license number, and the contact information of the state agency that issued the license. In California, debt collectors must be licensed and bonded under the California Department of Financial Protection and Innovation ( DFPI ) regulations.

5. Additional Requested Information Due date and delinquency : Indicate when the creditor claims this debt became due and when it became delinquent, as required by California Civil Code 1788.52. Also, identify the date of the last payment made on this account.

Statute of limitations : Under California Code of Civil Procedure 337, the statute of limitations for written contracts is 4 years. Have you determined that this debt is within the applicable statute of limitations? Please state when you believe the statute of limitations will expire and how you made this determination.

Legal Consequences for Non-Compliance If you fail to comply with the above requests, any further attempt to collect this debt will be considered harassment under California Civil Code 1788.10 and the FDCPA, and I reserve the right to take legal action, including filing a complaint with the California Department of Financial Protection and Innovation ( DFPI ), or pursuing a civil lawsuit under California Civil Code 1788.30.

Cease Collection Efforts Until I receive the requested validation, I consider any attempt to collect this debt inappropriate and in violation of the FDCPA and CFDCPA. Therefore, I request that you cease all collection efforts until proper validation has been provided.

I expect to receive the requested information within 30 days of your receipt of this letter. Failure to respond in a timely and legally compliant manner will indicate that this debt is not legally enforceable. 

Thank you in advance for your cooperation and attention to this matter. 

Sincerely, XXXX XXXX