Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: MD

Complaint narrative:
Please reference complaint number : XXXX Today, XX/XX/2025, I received a voicemail from XXXX XXXX XXXX. As I thought it was a SPAM call, I looked it up on the internet. It is a debt colletction agency. I did not return the call as I prefer all business be condcuted through XXXX XXXX Mail for record keeping purposes. I have yet to recieve written notification from them. I had to literally look them up on the internet, go to their website and discover my name and social security number attached to an alleged debt. I tired to contact them via their website to dispute this alleged debt ; However, instead of an offical dispute portal, it is a contact form. The contact form does not allow enough space to include all pertinent information to initiate XXXX XXXX. As I have yet to receive any formal, written notification from them, informing me of my rights, I am initiating this. 

In addition, XXXX XXXX XXXX is referencing Security Credit Services , LLC as well. At this point, I am unclear of who owns what. I went on the Security Credit Services , LLC website and I also see a portal for me to make a payment with them on this alleged debt.. Again, I am unsure of who owns what. both XXXX XXXX XXXX and Security Credit Services , LLC has payment portals under my social security number to may payments on this alleged debt. As a consumer, this is GROSSLY misleading!

With that being said, below is the Debt Validation Letter that I would like for CFPB to send to these folks, Security Credit Services , LLC. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -BREAK -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/2025 Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : AGENCY # XXXX Dear Collector : I am writing in response to a voicemail message left on my phone on XX/XX/2025 by your representative, XXXX  XXXX XXXX XXXX I am disputing this debt. I do not owe what you say I owe. 
As you should know, any attempt to collect an unvalidated debt violates the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Because I have disputed this debt in writing within XXXX  days of receipt of your initial notice, you must obtain verification of the debt and provide me with the following documentation : The full name and address of the original creditor. 
The date on which the alleged debt was incurred. 
The service or merchandise provided for the debt. 
A copy of the applicable contract giving rise to the debt. 
Proof that you are licensed to collect debt in Maryland. 
A Bill of Sale between the original creditor and yourself.

Verification or a copy of any judgment against me. 
The last XXXX digits of my Social Security XXXX. 
My full name and address at the time the debt was allegedly incurred. 
A copy of the underlying account statement and other written validation of the debt. 
A summary of any payment history on the debt, including proof of last payment on the debt. 
A full itemization of the debt, including a breakdown of the total principal, interest, fees, and any other charges. 

Until it is validated, your information concerning this debt is assumed to be inaccurate. If you have reported this debt to any credit-reporting agency or Credit Bureau , you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2.

If you do not own this debt, you must immediately send a copy of this letter to the original creditor to alert them that I dispute the debt. Should you pursue a judgment without validating this debt, I will file an Answer requesting dismissal without prejudice based on your violations and failure to comply with the FDCPA. Be advised that I will report any violations of the law to the ( your state ) Attorney General and the Federal Trade Commission.

In addition, I am requesting that all correspondence to me be initiated via XXXX XXXX Mail. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation