Consumer complaint received 2026-06-08 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: CA

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Security Credit Services , LLC * * Balance Reported : * * {$800.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * XXXX XXXX XXXX * * Remarks : * * Placed for Collection * * Complaint * * I am filing this complaint against Security Credit Services , LLC regarding a collection account being reported on my consumer credit reports. Security Credit Services is reporting a collection account with a balance of {$800.00} allegedly associated with XXXX XXXX XXXX. I dispute the validity, ownership, completeness, and accuracy of this alleged debt and request a full investigation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and review all relevant information after receiving notice of a dispute. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, 1692f, and 1692g, debt collectors are prohibited from using false, deceptive, misleading, unfair, or unconscionable means to collect debts and must possess sufficient documentation to validate debts they seek to collect or report. I dispute this account and request that Security Credit Services provide : 1. A copy of the original lease agreement, contract, or account documents creating the alleged obligation with XXXX XXXX XXXX. 2. Documentation proving I am legally responsible for the debt. 3. Documentation establishing Security Credit Services ' authority to collect on behalf of or through assignment from XXXX XXXX XXXX. 4. The complete chain of assignment, transfer, or sale of the account, if applicable. 5. A complete payment history and accounting supporting the reported balance of {$800.00}. 6. Documentation establishing the date of first delinquency. 7. Documentation demonstrating that the amount being reported is accurate and supported by business records. 8. Verification that all information furnished to consumer reporting agencies complies with the Fair Credit Reporting Act and XXXX XXXX reporting standards. 9. Copies of any records used to verify the account during prior dispute investigations. The Consumer Financial Protection Bureau has emphasized that debt collectors and furnishers must maintain adequate records to ensure the accuracy and integrity of information furnished to consumer reporting agencies. If Security Credit Services can not provide competent evidence validating the debt, ownership, and balance being reported, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Security Credit Services conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation