Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: SC

Complaint narrative:
Date : XX/XX/year> SECURITY CREDIT SERVICES , LLC RE : Agency # XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX NOTICE OF DISPUTE, DEMAND FOR VALIDATION, NOTICE OF PRESERVATION OF EVIDENCE, AND FORMAL NOTICE OF INTENT TO INITIATE LITIGATION You are hereby placed on formal notice that I dispute the validity, character, legal enforceability, ownership, and amount of the alleged debt you claim is owed. Your continued collection activity and furnishing of derogatory credit information despite material inconsistencies constitute evidence of potential violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. Specifically, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX is furnishing information to consumer reporting agencies reflecting : a {$0.00} balance, a closed account status, profit and loss write-off, and purchased by another lender. However, SECURITY CREDIT SERVICES , LLC is simultaneously attempting to collect an alleged balance of {$3900.00} a figure substantially exceeding the previously reported balance and highest balance associated with the account. These contradictory representations are materially misleading, deceptive, and legally actionable. Be advised that furnishing information known, or reasonably expected to be known, as inaccurate to consumer reporting agencies after receipt of notice of dispute may constitute willful and negligent noncompliance under the FCRA, including but not limited to violations of : 15 U.S.C. 1681s-2, 15 U.S.C. 1681e ( b ), and related federal consumer protection statutes. Additionally, any attempt to misrepresent : the character, legal status, amount, or enforceability of an alleged obligation may constitute violations of 15 U.S.C. 1692e and 1692f of the FDCPA. Accordingly, you are hereby demanded to produce competent admissible evidence establishing : The existence of a legally enforceable obligation ; A complete chain of title and assignment ; Proof of standing to collect ; The original executed contract bearing my wet-ink or legally compliant electronic signature ; A complete itemization of all principal, interest, fees, penalties, and charges ; A sworn accounting establishing the legal basis for the inflated balance now being demanded ; Documentation demonstrating compliance with all federal and state consumer reporting and collection laws. Take further notice that this correspondence constitutes : a formal dispute pursuant to federal law, a demand for validation, and a litigation hold notice. You are instructed to preserve all records, recordings, metadata, internal notes, account histories, communications, collection logs, credit furnishing data, and electronically stored information related to this matter. Any destruction, alteration, concealment, or failure to preserve evidence after receipt of this notice XXXX give rise to spoliation claims and adverse evidentiary inferences in subsequent litigation. Should you continue collection activity, verification reporting, or derogatory furnishing without first conducting a lawful investigation and producing competent evidence substantiating your claims, I will proceed without further notice to : file complaints with the Federal Trade Commission, pursue all available private causes of action, and seek statutory damages, actual damages, punitive damages, attorneys fees, costs of litigation, and all equitable relief available under applicable law. Any continued reporting or collection of inaccurate, misleading, unverifiable, or legally deficient information after receipt of this notice will be construed as willful noncompliance and bad faith conduct. Govern yourselves accordingly.. Sincerely, XXXX

Company response to consumer: Closed with explanation