Consumer complaint received 2025-06-24 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:
XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown XXXX is XX/XX/XXXX, and the last XXXX SSN is XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Security Credit Service LLC XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX XXXX XXXX Dear CFPB and FTC, I am writing to file a formal complaint against Security Credit Services LLC . In XXXX, I contacted the original creditor regarding a debt and was informed it had been transferred to Security Credit Services LLC. I then contacted Security Credit Services LLC to explain that my identity had been stolen and the debt was not mine. I made a verbal debt validation request and followed up in writing via email. 

A representative, XXXX XXXX XXXX, requested a fraud affidavit. I repeatedly requested this document via email, as my mail was being forwarded to Louisiana due to my address being compromised. During XXXX conversation, XXXX XXXX became annoyed and abruptly ended the call when I explained I have a XXXX XXXX XXXX. I later spoke with a supervisor, XXXX XXXX XXXX, who was similarly unhelpful. 

I eventually received the fraud packet, which required notarization. I explained that I needed additional time because notaries will not notarize fraud affidavits or certain other documents while I am hospitalized. I eventually managed to get the document notarized and returned it by email on XX/XX/XXXX. 

On the same day, I received an encrypted message from both XXXX XXXX XXXX and XXXX XXXX XXXX. I initially had difficulty opening the message but eventually accessed it with better internet reception in a different part of the hospital. The message acknowledged my validation request dates and stated that the thirty-day validation period had expired on the day of their correspondence. Despite this, Security Credit Services LLC continues to report this debt on my credit reports. It is my understanding that a validation can be made verbally or in writing and does not require notarization. Furthermore, a letter I received from the original creditor stating I am responsible for the debt does not suffice as proper validation. 

I am requesting your intervention to not only facilitate the removal of this debt from my credit report but also to secure compensation for every violation, including but not limited to the failure to validate the debt pursuant to FDCPA 809 ( validation ), 813 ( Civil liability ) 814 ( Administrative Enforcement ), and any other section deemed ( C ).

I can provide evidence that I was hospitalized for XXXX years due to a broken back, sternum, ribs, and a XXXX XXXX XXXX, followed by a motor vehicle accident involving a semi rear-ending me. While the credit bureaus declined to review my medical information, it is available if needed. I also have bank statements showing a seven-figure balance. I refuse to pay a debt that does not belong to me. I am currently unable to walk and have been readmitted to the hospital, preventing me from mailing this information to the credit bureaus to show the date the validation was requested. 

I request a correction of this information on my XXXX XXXX XXXX XXXX consumer reports and financial compensation. The bureus only accept documents by mail which I do not have access to. I have attached proof of the validation request, and I have the recording 's ( I did not need permission because Georgia is a one part state ) and every email. 
Debt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as " validation information ''.

Timeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within five days of the debt collector 's first contact with the consumer. 
Consequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities. 
CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes. 
Consumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector.

15 U.S.C. 1692g The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of. As soon as I learned that my personal information was found on individuals in Louisiana and an arrest was made, I immediately contacted the police and filed a report. I also contacted the postal service and discovered that my mail was not being held because my address had been changed online. Additionally, my bank placed my account on hold after they were unable to verify my identity when they attempted to contact me by telephone, even though the call was from my actual cell phone number.

The law does not allow debt collectors to make assumptions ; they are required to provide proof of everything in the validation, which is attached. A simple letter stating the name of the original creditor and the balance is insufficient. I am not obligated to comply with your demands or be coerced into paying a debt that does not belong to me. Please also include all three credit agencies. The letter I received from XXXX was received after XX/XX/XXXX, even though I was speaking with them well after the date. The representative informed me she was sending out a letter stating I owe it, and it was going to remain on my credit report for 7 years. The credit agencies asked for a copy of the letter dated XX/XX/XXXX from XXXX. They want to verify that I did, in fact, send the validation request to the collection agency. I sent it to both the original creditor and Security Services with no response to the validation. 
Thank you for this prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with explanation