Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
This is a follow-up to CFPB Complaint XXXX against Security Credit Services , LLC ( SCS ) , which was closed on XX/XX/year> after XXXX confirmed the underlying account was fraudulent. New conduct by XXXX now warrants a separate complaint. On XX/XX/year>, SCS Support Services Representative XXXX XXXX sent me a letter that reverses SCS 's prior written fraud determination. The letter states : " The information provided with your dispute was not sufficient for us to conclude that the above-referenced account stems from fraud and/or identity theft. '' It then threatens : " If we do not receive the requested information within 30 days of your receipt of this notice, we will consider the account to be reporting as accurate and complete the credit reporting agencies. '' The letter demands a government-issued ID, a police report referencing the account, and an executed Fraud Affidavit. I received the letter on XX/XX/year>. This contradicts every prior SCS admission on the record : ( XXXX ) In its XX/XX/year> response in Complaint XXXX, SCS stated XXXX " we have reached out to the original creditor and confirmed the account was fraudulent. We have closed the account accordingly so please allow XXXX days for the credit bureaus to update and remove. '' ( XXXX ) On XX/XX/year>, SCS Support Services XXXX XXXX XXXX sent a letter to the Mississippi Attorney General 's Office ( File No. XXXX ) reaffirming this : " SCS conducted thorough investigations of all prior disputes and received confirmation from the original creditor about the account being fraudulent. SCS responded to the consumer XXXX days after the CFPB complaint was received acknowledging the fraudulent account and advising account closure. '' ( XXXX ) Acting on those confirmations, Experian deleted the SCS tradeline on XX/XX/year> with an FCRA Section 605B identity theft block applied and notification issued to SCS as the furnisher. TransUnion deleted the SCS tradeline on XX/XX/year>. XXXX SCS employees ( XXXX and XXXX ) issued written, opposite findings on the same fraud determination on the same account within XXXX days. There is no good-faith explanation. XXXX XXXX disregarded SCS 's own records, or XXXX misrepresented the company 's investigation to a state Attorney General 's office, or SCS 's recordkeeping is systemically broken. Each is a serious problem. In my XX/XX/year> feedback to Complaint XXXX, I expressly notified SCS, XXXX the federal regulatory record, that any further violations would be treated as willful noncompliance under the FCRA and FDCPA. SCS proceeded with the XX/XX/XXXX letter notwithstanding that notice. The XX/XX/XXXX letter and the threatened reversal violate FCRA Section 1681s-2 ( a ) ( 1 ) ( A ) and ( B ), FDCPA Section 1692e and 1692e ( 8 ), and FDCPA Section 1692g. SCS never sent any validation notice prior to credit reporting ; the first SCS communication that reached me was the XX/XX/XXXX letter sent only after I had filed complaints with multiple state and federal regulators. The factual record establishes willfulness under FCRA Section 1681n. I have responded to SCS by certified letter dated XX/XX/year>, declining the request, identifying the contradictions, and putting SCS on notice that any reversal of the existing deletion outcomes will be treated as additional, separately actionable willful violations. Counsel has been engaged.

Company response to consumer: Closed with explanation