Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
XXXX XXXX XXXX Boxwood XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> To Whom It XXXX Concern, Subject : Formal Demand to Block and XXXX XXXX XXXX XXXX XXXX to XXXX XXXX. XXXX I am writing to formally demand the immediate blocking and permanent deletion of all fraudulent and derogatory accounts appearing on my credit report, which are the result of identity theft. This request is made pursuant to my rights under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I pulled my credit reports from XXXX XXXX XXXX XXXX. I discovered multiple accounts and derogatory entries that I did not authorize, open, or use. These include but are not limited to XXXX XXXX XXXX XXXX ( XXXX  ) : Auto loan charged off, {$16000.00} balance Security Finance ( XXXX  ) : Charged-off account, {$490.00} balance XXXX XXXX XXXX XXXX  ) XXXX Charged-off account, {$500.00} balance XXXX XXXX XXXXXXXX ( Experian ) : XXXX account, {$270.00} balance Other suspicious and unauthorized accounts across all three bureaus I have never opened or used these accounts. They were fraudulently opened without my knowledge or consent. I have filed a formal FTC Identity Theft Report, dated XX/XX/year>, which is enclosed with this letter. 
Under 15 U.S.C. 1681c2, you are required by law to : Immediately blocked and permanently deleted under 15 U.S.C. 1681c2 of the Fair Credit Reporting Act.

No longer reported or reinserted unless the data furnisher provides certified documentation verifying the accuracy and legitimacy of the accounts, as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Accompanied by written confirmation from each credit bureau that : The accounts have been deleted, The reason for deletion, and The exact date action was taken. 


That all fraudulent names, addresses, or employment entries associated with identity theft be investigated and removed to prevent future fraud activity. 


That an XXXX XXXX XXXX remains active on my credit file for the full seven-year period, and that all potential creditors are required to contact me directly prior to opening any new accounts. 


That I be provided with updated and free copies of my credit report from Experian, Equifax, and TransUnion after the deletions have been completed, so I XXXX verify that all inaccurate items have been removed. 


That any associated debt XXXX be notified by the credit bureaus to cease reporting or collecting on fraudulent accounts, and remove those items from any collection records or databases. 


That any credit bureau which has shared these items with third-party consumer reporting agencies or data brokers ( such as XXXX, ChexSystems, XXXX XXXX ) take all necessary action to notify those parties and have the fraudulent data suppressed or deleted across all platforms. 



You have XXXX ( XXXX ) calendar days from the date of receipt of this notice to provide me with written confirmation that these accounts have been blocked and removed from my credit file. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission, and the Texas Attorney Generals Office. 
Enclosures : FTC Identity Theft Report ( XX/XX/year> ) Copy of my social security card Copy of my government-issued photo ID Utility bill for identity verification Time is XXXX the essence. I expect immediate action and written confirmation within XXXX days of your receipt of this notice. 
Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation