Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
I am not a third party. You are a 3rd party trying to collect a debt i do not owe! I need authorization from your scamming ssa to prove you should have access to my personal information. I do not owe you and as stated previously i refuse to post this debt. This is my formal written refusal to post this debt per the fdcpa. Because Im a woman i guess XXXX too XXXX to read laws. You are the third party. This is my third time contacting this company regarding this alleged account. I REFUSE TO PAY THIS DEBT. I do not admit liability for this alleged obligation, and until proper validation is provided in full compliance with federal law, I will not make payment. This notice serves as my formal demand that Security Credit Services immediately cease all collection efforts and communications associated with this account. Collection efforts expressly include telephone calls, written demands, electronic communication, and the reporting, verifying, or updating of information to any consumer reporting agency. I am exercising my right to full validation. I specifically demand ALL Original Account Level Documentation ( OALD ). I am not requesting summaries, account printouts, internal database records, or documents labeled available documentation. I require true original account-level records generated and maintained by the original creditor. Identify the specific individual who claims to have personal and requisite knowledge of the facts concerning this alleged debt, including the authenticity and genuineness of the account and possession of the OALD. That individual must be capable of establishing a prima facie case consistent with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ]. Personal knowledge can not be based solely upon a review of your internal books and records. Confirm that this individual has personally reviewed the original account-level documentation and is familiar with the original creditors record-keeping practices in accordance with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ]. Provide a complete chain of title for this account. This includes : The name of each and every prior debt owner Copies of all assignments of the alleged debt ALL previous assignments held by prior owners Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer document evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Security Credit Services . Provide a signed document evidencing the opening of this account, along with OALD reflecting purchases, payments, or other actual use of the account by me. Provide OALD reflecting the original principal balance of the alleged debt, excluding any post charge-off or post-judgment additions. If the current balance exceeds the post charge-off or post-judgment amount, provide a detailed itemization explaining how the balance was calculated and identify the contractual provision and legal authority that authorizes such increases. I require a complete transactional history of the account from inception with the original creditor, including full monthly account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These documents must originate from the original creditor and not be reproduced solely on debt collector letterhead. Provide documentation reflecting the original contractual terms and conditions governing this account at the time of opening, along with any amendments, updates, or revised terms issued thereafter. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect on a time-barred debt outside the applicable statute of limitations. You are prohibited from misrepresenting the legal status of a time-barred debt pursuant to 15 U.S.C. 1692e ( 5 ). Provide your written dispute policies and procedures, along with a description of the system used to maintain compliance with those policies. This correspondence constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). If you attempt to deem this dispute frivolous or irrelevant, be advised that my full legal name, current mailing address, and the account number as reported appear in the header of this request. Any such determination must be made in writing within five days of receipt. Provide written confirmation of the current legal status of this account within your records. You are expressly prohibited from making any false, deceptive, or misleading representations regarding this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection statutes and pursue remedies in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to actual damages incurred. You are provided 30 days to supply all requested documentation and to immediately remove any unlawful credit reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation filed in a proper venue within my county. This statement is true and lawful.

Company response to consumer: Closed with explanation