Consumer complaint received 2025-09-27 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: DC

Complaint narrative:
I act as Attorney-in-Fact for XXXX XXXX XXXX under a valid Limited Power of Attorney. Under XXXX  XXXX XXXX XXXX XXXX, I am legally required to act with care, competence, diligence, loyalty, and in the best interests of my principal. 
This correspondence serves as formal notice that I have filed complaints with regulatory authorities, specifically the Securities and Exchange Commission ( SEC ), the Commodity Futures Trading Commission ( CFTC ), and the Maryland Office of the Attorney General, Consumer Protection Division.

The filings concern systemic fraud by Equifax Inc., Fair Isaac Corporation ( FICO ), XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX directly partnered with FICO under the 1988 Analytic Products and Services Master Contract, while XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX XXXX directly participated in the formation of XXXX XXXX, XXXX in XXXX. XXXX third purported owner, XXXX  XXXX XXXX XXXX, never lawfully existed due to fatal defects in XXXX corporate lineage, rendering its claimed 33 % ownership void and fatally undermining the legality of XXXX formation. 
Supporting evidence consists entirely of public records, including Georgia Secretary of State filings, FTC findings, federal statutes, and contracts. All exhibits have been cryptographically hashed and anchored to the XXXX XXXX, with verification recorded in the Exhibit XXXX XXXX. The full legal analysis is contained in The Illegality of FICO and XXXX, which documents the unlawful corporate lineage of XXXX XXXX XXXXXXXX, the void formation of XXXX  XXXX XXXX XXXX, and the illegal contracts underlying both XXXX and XXXX. The record is also preserved on the XXXX XXXX XXXX ( XXXX ) with timestamped OpenTimestamps certificates. Thus, the evidentiary record is permanent, immutable, and legally incapable of alteration or rebuttal by any party, including your institution. 
Debt collection activity is governed by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Under these statutes, debt collectors may not attempt to collect or report void or fraudulent obligations.

In addition, under U.C.C. 3-303 ( b ), an instrument issued without value is unenforceable, and under U.C.C. 3-305 ( a ) ( 1 ) ( ii ), enforcement of a negotiable instrument is barred where real defenses such as fraud in factum and illegality apply. Debt collectors, including Security Credit Services , LLC, can not qualify as holders in due course under U.C.C. 3-302 because they take alleged obligations by assignment, not as bona fide purchasers for value. By receipt of this Notice, all debt collectors and their assignees now have actual knowledge of fraud, illegality, and voidness. Even absent knowledge, the real defenses under U.C.C. 3-305 ( a ) ( 1 ) ( ii ) defeat any alleged holder in due course status. Thus, no debt collector, assignee, trust, or investor may lawfully enforce, assign, or publish any alleged obligation.

Company response to consumer: Closed with explanation