Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
I am filing this follow-up complaint against Security Credit Services , LLC regarding their legally insufficient response to my initial CFPB complaint No. XXXX, filed XX/XX/XXXX. Security Credit Services responded on XX/XX/XXXX with a letter that fails to constitute valid debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and fails to satisfy their obligations as a furnisher under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Security Credit Services is reporting a collection account with a balance of {$860.00}, originally from XXXX XXXX XXXX, Account No. XXXX, across all three of my major credit bureau reports. In their XX/XX/XXXX response, Security Credit Services provided a summary of account details including the item allegedly leased, the total lease cost, the charge-off date, and the purchase date. They did not produce the one document that actually validates this alleged debt the original signed lease agreement bearing my handwritten signature. Their response is deficient for the following specific reasons : XXXX. FAILURE TO PRODUCE ORIGINAL SIGNED DOCUMENTATION : The foundational requirement of debt validation is proof that the consumer entered into the obligation being collected upon. The only document that satisfies this requirement is the original signed lease agreement from XXXX XXXX XXXX bearing my handwritten signature. Security Credit Services described the account from their internal records but produced no signed original document. A debt collector summarizing details from an electronic data file they purchased is not debt validation it is a recitation of purchased records. Without the original signed document there is no verified proof that this obligation belongs to me. XXXX. INCOMPLETE PAYMENT HISTORY AND UNVERIFIED BALANCE : Security Credit Services stated the last payment received was {$71.00} on XX/XX/XXXX but provided no complete payment history showing every payment made from account opening through charge-off. The total lease was {$1500.00} for XXXX payments of {$140.00} yet they can not account for how many full payments were made or provide the precise calculation arriving at the {$860.00} balance. This is an incomplete and unverifiable accounting. XXXX. NO PROOF OF LEGAL ASSIGNMENT : Security Credit Services stated they purchased this account XXXX days after charge-off on XX/XX/XXXX but provided no actual purchase agreement confirming the legal transfer of this specific account from XXXX XXXX XXXX XXXX XXXX. RESPONSE CONTRADICTS OWN REPORTING : Security Credit Services stated in their response that they report the same information to all three credit bureaus. This is directly contradicted by my XXXX credit report which reflects absolutely no payment history for this account while XXXX and XXXX reflect monthly collection notations. This cross-bureau inconsistency is an independent FCRA violation that their own response confirmed and failed to address. XXXX. PREMATURE CHARGE-OFF : The account went from last payment on XX/XX/XXXX to charge-off on XX/XX/XXXX a period of only 62 days. No documentation was provided confirming that XXXX XXXX XXXX exhausted proper collection procedures before charging off and selling this account in this compressed timeframe.

Company response to consumer: Closed with explanation