Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
b'Security Credit Services, LLC Complaint Narrative\n\nConsumer: XXXX XXXX XXXXCompany: Security Credit Services, LLC\nProduct: Credit reporting or other personal consumer reports\nIssue: Inaccurate or unverifiable account reporting / Failure to validate debt\nFiling DateXXXX XXXX XXXX XXXXReference: Former XXXX XXXX XXXX XXXX  Account Ending XXXX1. Background and Context\n\nOn XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX sold my credit account ending in XXXX  to Security Credit Services, LLC (Security), as confirmed by XXXX written sale letter dated XXXX XXXX XXXX  (attached as Exhibit A).\n\nImmediately following this sale, Security began furnishing the same account to XXXX XXXX XXXX XXXX as an active collection account with a reported balance of XXXX. No validation of debt was ever mailed or provided to me, as required under FDCPA 809(b). I became aware of Securitys reporting only by reviewing my credit files  not through any legally required debt validation notice.\n\nDuring this same period, XXXX  continued to report the same account as a charge-off, producing dual and conflicting reporting of a single obligation. This created inaccurate, duplicate derogatory data and significant financial harm through elevated interest rates and credit denials.\n\n2. Prior Resolution by the XXXX XXXX XXXX\n\nIn response to my formal consumer disputes filed in XXXX, all three major credit reporting agencies (XXXX XXXX XXXX XXXX completed investigations and deleted the Security Credit Services tradeline by XXXX XXXX XXXX concluding that the information furnished by Security was unverifiable.\n(AttacheXXXX XXXX Before and After reports confirming deletion  Exhibits D & E.)\n\nThis deletion constitutes an official finding that the data was not verifiable and bars its reinsertion without full certification of accuracy under FCRA 611(a)(5)(B).\n\n3. Ongoing Non-Compliance by Security Credit Services\n\nDespite this deletion, Security has never produced any validation of ownership, assignment, or accounting for the alleged debt. On XXXX XXXX XXXX  I sent Security a certified Debt Validation Request under FDCPA 809(b) (Exhibit B), received and signed for by an authorized agent XXXX XXXX. on XXXX XXXX XXXX  (Exhibit C).\n\nTo date, Security has not provided any of the required documentation or acknowledgment. This constitutes a continued violation of FDCPA 809(b) and FCRA 623(a)(1)(A).\n\nI subsequently issued a Final Notice  Illegal Reporting and Permanent Reinsertion Prohibition on XXXX XXXX XXXX mailed Certified XXXX XXXX XXXX XXXX XXXX XXXX  (Exhibit H), restating that the account remains deleted and unvalidated, and warning against any reinsertion or reassignment.\n\n4. Legal Summary of Violations\n\nSecurity Credit Services has violated multiple consumer protection statutes:\n\nFDCPA 809(b)  Failure to provide validation after written request and continuing to maintain records implying collection activity.\n\nFCRA 623(a)(1)(A)  Furnishing information known or reasonably believed to be inaccurate after deletion.\n\nFCRA 611(a)(5)(B)  Reinsertions prohibited without certification of accuracy (this deletion was confirmed XXXX XXXX XXXX\nFCRA 607(b)  Failure to maintain reasonable procedures to ensure maximum accuracy.\n\n5. Closure of Potential Defenses\n\nTo avoid ambiguity or future misuse, the following points clarify that no legitimate defense remains available to Security:\n\nNo initial validation notice was ever sent. Therefore, the FDCPA 30-day window never began. Security remains in a permanent validation hold under 809(b).\n\nDeletion does not cure past violations. The act of reporting unverifiable data prior to deletion remains actionable under 616-617 of the FCRA.\n\nGood-faith reliance on XXXX  is not a defense. Once Security received my written dispute (XXXX XXXX XXXX, it assumed an independent duty to verify before reporting or retaining the debt.\n\nInternal recordkeeping does not exempt FDCPA obligations. Any continued storage or transmission of unverifiable data violates 807(8) (false representation of credit information).\n\nResale or reassignment is prohibited. Pursuant to 611(a)(5)(B), any attempt to re-report or transfer this account constitutes a new federal violation and will be treated as willful non-compliance.\n\nThis complaint is directly related to my pending CFPB Case XXXXXXXX XXXX XXXX XXXX  and is part of the same transaction chain; please cross-reference both matters for enforcement and damages analysis.'

Company response to consumer: Closed with explanation