Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
CFPB Complaint Date : XX/XX/year> VIA CERTIFIED MAIL & EMAIL Security Credit Services , LLC XXXX. XXXX XXXX, XXXX, MS XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Website : XXXX  Complainant : XXXX XXXX XXXX ( XXXX XXXX XXXX Re : Formal complaint re-reporting, failure to validate, untimely response, and unlawful communications I am filing this complaint against Security Credit Services , LLC XXXX `` SCS '' ) and its third-party agent XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ) for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Key account information : - Security Credit Services reference number : XXXX - XXXX XXXX XXXX reference number : XXXX - Alleged balance : {$1400.00} Summary of events & timeline : - XX/XX/year> : I submitted a formal debt validation request to Security Credit Services. 
- On or about XX/XX/year> : Security Credit Services responded untimely with a back-dated letter that failed to validate the debt properly. 
- Shortly after deletion of prior reporting ( original creditor : XXXX ), Security Credit Services re-reported the same account to XXXX  under the name " XXXX XXXX XXXX '' while continuing to report to XXXX  under its own name and even falsely reporting a payment that I did not make. 
- XXXX XXXX XXXX contacted me claiming to collect on behalf of Security Credit Services under a different reference number ( XXXX ). Their correspondence does not state they purchased the account ; it states they are collecting on behalf of SCS. 
- I issued a Cease & Desist to Security Credit Services. Despite that, XXXX continued communications on behalf of SCS. 
Violations alleged : - FCRA : furnishing inaccurate information, failing to report the account as disputed, and re-reporting under a different furnisher name ( " XXXX XXXX XXXX '' ). 
- FDCPA : failure to validate the debt properly, untimely response to validation requests, continuing communications after a written Cease & Desist, and misrepresentation of the account 's status and payment history. 
- Unfair/deceptive business practices : use of multiple account numbers to confuse the consumer, re-reporting after deletion, and harassment through third-party collectors.

Requested remedies : 1. Permanent deletion of all reports of this account ( including any listings under " XXXX XXXX XXXX '' ) from XXXX XXXX XXXX, and any other consumer reporting agency to which you furnished it. 
XXXX. Written confirmation that Security Credit Services and XXXX XXXX XXXX will cease all collection efforts and communications regarding this account. 
XXXX. Written confirmation that XXXX XXXX XXXX have been notified and the records corrected/removed. 
XXXX. An explanation and documentation for why the account was re-reported under " XXXX XXXX XXXX '' and why XXXX is showing a different reference number. 
XXXX. Compensation for damages ( statutory and actual ) caused by inaccurate reporting and harassment, and confirmation you will refrain from further unlawful collection practices. 
Enclosures : copies of prior communications, Cease & Desist, XXXX  dispute reference. 
Please direct all future communications to my address in writing only. No phone calls or third-party communications are authorized. 
Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation