Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX SECURITY CREDIT SERVICES , LLC XXXX : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX NOTICE OF FORMAL DISPUTE, DEMAND FOR DELETION, FAILURE TO VALIDATE, AND VIOLATIONS OF FCRA & FDCPA To Whom It May Concern : This letter constitutes FORMAL NOTICE OF DISPUTE regarding the following account currently being reported on my consumer credit file : Debt Collector : Security Credit Services , LLC Account Number : XXXX Account Type : Collection Reported Balance : {$3100.00} / {$3100.00} I do NOT acknowledge ownership, liability, or contractual obligation for this alleged account. 

FAILURE TO MEET BURDEN OF PROOF Pursuant to 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1692g, you are required to possess and produce competent, admissible evidence proving : A valid, enforceable contract bearing my signature Your legal standing and authority to collect That the reported balance of {$3100.00} is accurate and lawfully calculated Full XXXX reporting compliance That this account has not been sold, insured, transferred, securitized, or reported to the IRS via XXXX XXXX To date, no such evidence has been produced. 

UNLAWFUL VERIFICATION Any claim that this account was verified through automated systems, internal databases, or third-party data matching does NOT meet verification requirements under FCRA 611 ( a ) ( 1 ).

Verification requires documentary proof, not conclusory statements.

DEMAND FOR STRICT DOCUMENTATION Provide the following within 15 days or DELETE THIS ACCOUNT IMMEDIATELY : Original signed contract or application Complete itemized account history Proof of assignment or bill of sale identifying this specific account Full chain of title from the original creditor to Security Credit Services , LLC Proof of authority to collect in Pennsylvania Proof of Metro-2 compliance Proof the balance of {$3100.00} was not paid, settled, insured, or tax-reported The exact method, date, and source used to verify this account with the credit bureaus Failure to produce ANY XXXX of the above constitutes non-compliance. 

VIOLATIONS ON RECORD Continued reporting without lawful validation constitutes violations of : FCRA 1681e ( b ) FCRA 1681s-2 ( b ) FCRA 611 ( a ) ( 1 ) FDCPA 1692e FDCPA 1692f Each violation exposes you to statutory damages, actual damages, and attorneys fees. 

FINAL NOTICE If this account is not deleted immediately, I will proceed without further notice by : Filing complaints with the CFPB, FTC, and Pennsylvania Attorney General Pursuing civil litigation for willful non-compliance Seeking damages for continued harm to my consumer report This letter serves as formal notice and opportunity to cure. 

REQUIRED ACTION DELETE THIS ACCOUNT IN FULL OR Provide COMPLETE, LAWFUL DOCUMENTATION as demanded. 

Anything less will be treated as intentional non-compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation