Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Services LLC is reporting a collection of {$850.00} ( original creditor XXXX XXXX XXXX, opened XX/XX/XXXX ) on my XXXX XXXX XXXX XXXX files, with the XXXX Original Creditor Name shown as " No Info. '' This account opened only months ago, yet Security Credit reports it without identifying the original creditor on XXXX and has provided me no chain of title or itemized validation linking this account number to a XXXX contract. I have received no validation of this debt. This is not a " not mine '' dispute. It is a demand that the reported balance, ownership, and chain of title be documented or the tradeline deleted. Because this account is recent ( opened XX/XX/XXXX ), the assignment documentation should be immediately producible. I demand the following XXXX documents under FDCPA Section 1692g ( b ) : 1. The signed installment contract or electronic acceptance bearing my signature for the original XXXX XXXX account. XXXX. An itemized inventory of the financed merchandise ( model numbers, prices, dates ). XXXX. The complete account-level chain of assignment from XXXX XXXX XXXX XXXXo Security Credit Services LLC , proving THIS account was included in the portfolio. XXXX. The date of first delinquency and date of last bona fide payment. XXXX. Proof of Security Credit Services ' licensure to collect in the State of XXXX Statutes : FDCPA Section 809 ( b ) / 1692g ( b ) ( collection must cease until validation is provided ), FDCPA Section 807 / 1692e ( false or misleading representation ), FCRA Section 623 ( a ) ( 5 ) and 623 ( b ) ( 1 ) ( 15 U.S.C. 1681s-2, accurate furnishing and reasonable investigation ; the " No Info '' original-creditor field is a facial accuracy defect ), FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ), XXXX XXXX. XXXX ( FCCPA ), XXXX XXXX. XXXX ( FDUTPA ). Under binding XXXX Circuit precedent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the furnisher 's XXXX ( b ) reasonable-investigation duty applies to the objectively and readily verifiable facts here : whether a chain of title to this account exists and who the original creditor is. Publication to third parties : This inaccurate information has been or will be published to every third party that pulls my consumer file in the ordinary course of underwriting. I am presently in the credit pre-qualification stage ; the continued presence of this unvalidated {$850.00} tradeline materially increases the probability of denial and worse terms. Any such denial will be documented and added to the actual-damages record. This satisfies the XXXX XXXX injury predicate and pre-empts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Damages : The unvalidated {$850.00} has materially depressed my credit standing and the terms available to me, constituting continuing actual damages within FCRA Section 616/617 for as long as it remains. Feedback-option preservation : If this complaint is closed as " verified, '' " validated, '' or any procedural deflection without addressing the XXXX documents demanded above, I will treat the closure itself as a 1692g ( b ) and 623 ( b ) violation and immediately file a follow-up complaint. Anti-deflection clause : A response that fails to provide documents XXXX through XXXX will be treated as a non-response and will result in ( a ) a follow-up CFPB complaint citing the non-response as a separate violation, ( b ) a XXXX Attorney General XXXXDUTPA complaint citing these federal violations as XXXX XXXX XXXX XXXX predicates, and ( c ) a XXXXa XXXX XXXX XXXX XXXX complaint regarding Security Credit Services ' state collection licensure under XXXX XXXX. XXXX. The federal and state pressure on this matter will not abate until validation is provided in writing or the tradeline is deleted.

Company response to consumer: Closed with explanation