Consumer complaint received 2024-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Urgent Complaint Update : Fraudulent and Retaliatory Actions by Security Credit Services ( SCS ) To the Consumer Financial Protection Bureau ( CFPB ) : I am filing an urgent complaint update against Security Credit Services ( SCS ) due to their continued retaliatory, deceptive, and potentially fraudulent actions regarding an erroneous debt they reported on my credit profile. Their most recent actions directly harmed my credit score and violated federal consumer protection laws, prompting me to seek an immediate investigation. These actions reflect a pattern of abusive behavior that could affect many other consumers unaware of their rights. 

1. Unlawful Re-Reporting of a Previously Deleted Collection Account After initially reporting an invalid debt on my XXXX credit profile under account # XXXX, SCS deleted this account following my dispute and their acknowledgment that there was no substantive evidence to support the debt claim. However, despite acknowledging that deletion in an official communication, SCS re-reported the account with the same details. This re-reporting action is not only unlawful but appears retaliatory in nature, intended to harm my credit profile. 

Consumer Rights Violations : Re-reporting the same account after its removal contradicts federal consumer protection laws. SCSs re-reporting without basis is a clear violation and is not permitted under the Fair Credit Reporting Act ( FCRA ). 

2. Unauthorized Addition of Late Payment Status on a Disputed Account Adding to their misconduct, SCS included new entries on my XXXX report, falsely marking the account as delinquent with late payment statuses. This action is an outright misrepresentation since SCS is not an original creditor, nor that I owe them something, and therefore has no legal right to add such entries. Furthermore : Dispute Status Requirement Violation : After my initial dispute, SCS was required to update the account as in dispute, rather than adding new negative entries. Instead, they knowingly marked it with late payments, directly harming my credit and ignoring the protections set forth under the FCRA. 
Intentional Credit Harm : This unauthorized update caused a XXXX drop in my credit score, significantly impacting my financial standing. SCSs decision to add derogatory entries after acknowledging my dispute is not only unlawful but punitive and intended to cause further harm. 

3. Pattern of Retaliatory and Fraudulent Behavior SCSs actions indicate a troubling pattern : Obstructive Contact Information and Non-Compliance : SCSs contact addresses on both the credit report and the XXXX  directory were inaccurate, creating significant obstacles to resolve the dispute. Only after exhaustive efforts did I successfully contact them, raising suspicions that SCS deliberately hinders communication. 

Retaliation Against Consumer Disputes : This re-reporting with additional negative entries directly contradicts SCSs own written acknowledgment that they would delete the account across all three major credit bureaus. The fact that they did so in violation of federal protections reflects their retaliatory tactics against consumers who dispute their practices. 

Misrepresentation and Deceptive Credit Reporting Practices : By repeatedly re-reporting and manipulating this account on my credit file without cause, SCS demonstrates a blatant disregard for fair reporting standards, creating false data intended to damage consumers creditworthiness. 

Immediate Action Requested : Investigation into Security Credit Services Deceptive and Retaliatory Practices In light of the evidence and SCSs willful actions, I request the CFPB to : Investigate Potential Violations of the Fair Credit Reporting Act ( FCRA ) : The CFPB should assess whether SCSs repeated re-reporting and unauthorized addition of late payment entries violate FCRA protections, specifically regarding consumer disputes and accurate reporting. 

Hold SCS Accountable for Harmful Credit Manipulation : The re-reporting of a previously removed account and the addition of unauthorized derogatory entries were harmful and punitive actions. This calls for an investigation into SCSs manipulation of credit information, which may be an abuse affecting multiple consumers. 

Order Immediate and Permanent Deletion of the Account Across All Bureaus : Given the harm caused and SCSs lack of substantiation for their claims, I request that the CFPB ensure this account is removed from XXXX, XXXX, and XXXX permanently to prevent further retaliatory reporting. 

Public Disclosure of Any Findings : Any findings of misconduct by SCS should be made publicly available to protect consumers from similar abusive practices. 

Conclusion SCSs ongoing manipulation of my credit information, with repeated re-reporting and unauthorized derogatory updates, has caused me direct financial harm and reflects an alarming pattern of abusive practices. Their disregard for federal requirements and consumer rights should not go unchecked, and I urge the CFPB to take swift action against this company. 

Attached are all supporting documents, including the official letters from SCS, mail return receipts, and proof of derogatory re-reporting on my XXXX credit profile. 
Thank you for addressing this urgent matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation