Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Dear XXXX FTC/CFPB, I am submitting a second complaint against XXXX regarding an inaccurate report from Security Credit Services LLC on my credit report. This inaccuracy has caused me significant embarrassment and financial harm, including an inability to work in the field of XXXX XXXXnd a denial of a position that would accommodate my XXXX. 
I previously filed a report against XXXX in XX/XX/XXXX, raising concerns about their investigation process. This process appears to be an electronic system that favors the creditor, as XXXX  seems to enter whatever response the creditor provides, regardless of the records I have submitted. 
To resolve this matter, I offered my medical records and am willing to sign a release for XXXX and XXXXecurity Credit Services to obtain them, as I am currently unable to afford the records myself. XXXX  responded on XX/XX/XXXX, with specific results that were not transparent. The response did not include the entire investigation and only provided a summary of their conclusion, without detailing how they verified the information, which was the basis of my last complaint. 
Based on XXXX XXXX pattern and practice, it appears that they accept the creditor 's report without adequately reviewing the documents I provided. These documents included : * Proof of Security Credit Services ' untimely response. * Evidence that information was submitted to Security Credit Services prior to their letter being sent. * Proof that Security Credit Services never responded directly but instead sent information provided by XXXX XXXX, suggesting the account belonged to me. * Information that Security Credit Services made misrepresentations on my credit file by reporting that the file in question belonged to XXXX XXXX XXXX and making it appear as a new account.XXXX XXXX response I have filed a second complaint against Security Credit Services, XXXX XXXX ( the company they hired ), and XXXX. I believe Security Credit Services willfully and intentionally placed XXXX XXXX XXXX on my credit report, using an ID number I believe is unique to Security Credit Services, with the intent to harm me. I would like you to examine the demand document and the original account filed on all three of my credit files by Security Credit Services Inc. Then, please examine the credit file filed on my credit report, specifically with XXXX , which lists a different address but the same company number that leads back to Security Services . They also reported to XXXX that I made a payment on the account, which was a false misrepresentation. If it was an error, they could have corrected it, but did not. The pattern and practice, and disregard by Security Credit Services and XXXX have severely harmed me. Both agencies have the upper hand and have declined to compensate me for their negligence, which is also a pattern and practice by both agencies. A monetary sanction should be reviewed, as both agencies are responsible for credit reporting. I am being bullied by both the Creditor and, most importantly, XXXX As a Credit Reporting Agency, XXXX has the duty to make sure what it reports is accurate, rather than just relying on an electronic response. This matter has been raised and disputed XXXX times, at which time XXXX  should have picked up the phone and physically talked to someone. Both companies have a pattern and practice of bullying me based on my experience with them. For example, XXXX  is aware that this account is in dispute, and even though I disagree with XXXX XXXX 's findings. XXXX XXXX partially agreed to update the credit file for a dispute. XXXX  has more than once updated the file has been update, and the dispute is resolved, and the balance is owed and is correct. Both companies are aware that I suffer from a XXXX XXXX XXXX and if additional iformationis needed all they have to do is to contact me if additional information is needed and it is not ententionallyleft out. Based on XXXX XXXX 's response, they relied on database, payments were made form an account that I owned which I reported was compromised and chaged by my bank. They provided, through their collection company a copy of statements that were being rerouted to another State. Then they stated that my comments misrepresent what I told them when I explained I have a XXXX XXXX XXXX, and anything they question could have been cleared up. I have asked XXXX XXXX and XXXX what they are alleging I was dishonest about, and I offered my medical records under duress at this point so that they can verify for XXXX and for all that I was incapacitated. 

XXXX  can be found culpable if it fails to follow the proper dispute procedures required by the FCRA. This is a common basis for lawsuits and regulatory action. 
Liability typically arises in these situations : Failure to reasonably investigate : If a consumer disputes an error, XXXX  must conduct a reasonable investigation. The Consumer Financial Protection Bureau ( CFPB ) has taken action against XXXX for failing to investigate consumer disputes properly and deferring excessively to the original creditor. 
Improper reinsertion : XXXX is culpable if it improperly reinserts previously deleted, inaccurate information back onto a consumer 's credit file. 
Failure to remove unverified information : If the furnisher of the information can not verify the disputed item, XXXX must remove it. 
Ignoring evidence : The CFPB has found that XXXX ignored consumer documents submitted with a dispute during reinvestigations. 
Procedural failure : In XXXX XXXX provided inaccurate credit scores to lenders due to a software coding error, leading to financial harm for consumers. XXXX XXXX XXXX Attorney General secured a settlement against XXXX for this fa Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation