Consumer complaint received 2025-08-10 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: NC

Complaint narrative:
RE : Formal Dispute Request Security Credit Services Account # * XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my Equifax credit report. This account is being reported with the following issue ( XXXX ) : Unvalidated collection, duplicate reporting, unverifiable debt. 
This is a direct violation of the following consumer protection statutes : 15 U.S.C.

1681i ( a ) ( 1 ) ( A ), 1692g ( b ), 1681s-2 ( a ) ( 1 ) ( A ), UCC 3-501 I hereby request, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and Uniform Commercial Code provisions, that you conduct an immediate investigation and delete this account permanently from my credit file if it can not be verified with original, signed documentation.

Under 15 U.S.C. 1692c ( c ), I also demand that all further collection activities regarding this account cease immediately unless full validation is provided. This also serves notice under 15 U.S.C. 6802 ( b ), regarding unauthorized sharing of my personal information. 
Please respond within 30 days as required by law RE : Formal Dispute Request Kikoff Lending, XXXX Account # * XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my XXXX  credit report. This account is being reported with the following issue ( XXXX ) : Inconsistent reporting, outdated delinquency timeline. 
This is a direct violation of the following consumer protection statutes : 15 U.S.C. 1681e ( b ), 1681i ( a ), UCC 1-308 I hereby request, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and Uniform Commercial Code provisions, that you conduct an immediate investigation and delete this account permanently from my credit file if it can not be verified with original, signed documentation.

Under 15 U.S.C. 1692c ( c ), I also demand that all further collection activities regarding this account cease immediately unless full validation is provided. This also serves notice under 15 U.S.C. 6802 ( b ), regarding unauthorized sharing of my personal information. 
Please respond within 30 days as required by law. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX Account # * XXXX To Whom It XXXX Concern, I am writing to formally dispute the reporting of the above-referenced account on my XXXX  credit report. This account is being reported with the following issue ( XXXX ) : Unverified charge-off, lacks documentation. 
This is a direct violation of the following consumer protection statutes : 15 U.S.C. 1681i, 6802 ( b ), UCC 3-501 I hereby request, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and Uniform Commercial Code provisions, that you conduct an immediate investigation and delete this account permanently from my credit file if it can not be verified with original, signed documentation.

Under 15 U.S.C. 1692c ( c ), I also demand that all further collection activities regarding this account cease immediately unless full validation is provided. This also serves notice under 15 U.S.C. 6802 ( b ), regarding unauthorized sharing of my personal information.

Please respond within 30 days as required by law.

RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my Equifax credit report. This account is being reported with the following issue ( s ) : Unverifiable and inaccurate reporting of charged-off account.

This is a direct violation of the following consumer protection statutes : 15 U.S.C. 1681s-2, 1681e ( b ), UCC 9-210 I hereby request, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and Uniform Commercial Code provisions, that you conduct an immediate investigation and delete this account permanently from my credit file if it can not be verified with original, signed documentation. 
Under 15 U.S.C. 1692c ( c ), I also demand that all further collection activities regarding this account cease immediately unless full validation is provided. This also serves notice under 15 U.S.C. 6802 ( b ), regarding unauthorized sharing of my personal information. 
Please respond within 30 days as required by law. 

RE : XXXX XXXX XXXX XXXX XXXX XXXX Account # * XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account on my XXXX  credit report. This account is being reported with the following issue ( XXXX ) : Account reported after assignment ; duplicate of Security Credit Services. 
This is a direct violation of the following consumer protection statutes : 15 U.S.C. 1681c, 1681s-2, UCC 9-404 I hereby request, per my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and Uniform Commercial Code provisions, that you conduct an immediate investigation and delete this account permanently from my credit file if it can not be verified with original, signed documentation.

Under 15 U.S.C. 1692c ( c ), I also demand that all further collection activities regarding this account cease immediately unless full validation is provided. This also serves notice under 15 U.S.C. 6802 ( b ), regarding unauthorized sharing of my personal information. 
Please respond within 30 days as required by law.

Company response to consumer: Closed with explanation