Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SECURITY FINANCE CORP
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Against XXXX XXXX for Violations of Federal Debt Collection Laws and Failure to Validate Debt Filed By : XXXX XXXX XXXX Date of Complaint : XX/XX/year> -- - COMPLAINT : VIOLATION OF FEDERAL CONSUMER PROTECTION LAWS This complaint is formally submitted under the authority of federal law, in alignment with the spirit and enforceability of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and other controlling statutes, in defense of the undersigned Claimants rights as a protected consumer. 

Respondent : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - NATURE OF THE COMPLAINT : On XX/XX/year>, I, the Claimant, issued a formal Notice of Dispute and Demand for Validation and Proof of Claim to the above-named Respondent regarding an alleged debt associated with Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The notice, submitted in full compliance with 15 U.S.C. 1692g ( b ) and other provisions, demanded : Verification of the alleged debt ; Full identification of the original creditor ; A copy of the signed contract binding the Claimant to the alleged debt obligation ; A cease and desist of all verbal communication and reporting activity until validation was completed. 


Attached to the notice was a Counterclaim with Self-executing Contract, clearly establishing terms and conditions for failure to validate and warning of consequences, including compensatory damages, legal liability, and demands for retraction of unverified data from credit reporting agencies. 

As of the date of this filing, XXXX XXXX  has not provided any competent evidence of debt ownership, nor a copy of any original contract bearing the Claimants signature. Despite this, XXXX XXXX has unlawfully reported this unverified debt to XXXX or more consumer reporting agencies, including XXXX XXXX XXXX XXXX thereby defaming my character and violating my rights. 


-- - VIOLATIONS ENUMERATED : 1. 15 U.S.C. 1692g ( b ) Failure to validate debt upon written request.

2. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Reporting information without verifying its accuracy.

3. 15 U.S.C. 1666 ( a ) Failure to properly investigate a billing error/dispute.

4. 18 U.S.C. 1341 Attempt to collect on false or misleading instruments via mail.

5. Defamation of Character Reporting disputed or unsubstantiated information to CRAs. 




-- ATTACHMENTS INCLUDED : Copy of the XX/XX/year>, Notice of Dispute and Demand for Validation -- - DECLARATION : I, XXXX XXXX XXXX, declare under penalty of perjury that the information provided herein is true and correct to the best of my knowledge and belief, and I respectfully demand administrative redress and enforcement action by the Consumer Financial Protection Bureau to safeguard and uphold federal consumer protections in this matter. 

Respectfully submitted, XXXX XXXX XXXX XXXX XXXXXXXX and XXXX Date : XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation