Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MS XXXX Re : Cease and Desist Notice for Violation of Consumer Rights Under the FDCPA To Whom It May Concern : This letter serves as a formal cease and desist notice regarding Security Credit Services violations of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. Your actions have caused undue harm and distress, and I am demanding immediate cessation of all improper debt collection activities directed at me.

Violations of the FDCPA Your organization has engaged in actions that constitute a direct violation of my consumer rights under the FDCPA, including but not limited to the following : Harassment ( 15 U.S.C. 1692d ) : You or your agents have engaged in conduct intended to harass, oppress, or abuse me in connection with the alleged debt. This includes [ describe specific instances, e.g., excessive phone calls, threats, or intimidation tactics ].

False or Misleading Representations ( 15 U.S.C. 1692e ) : You have made false or misleading statements regarding the nature, amount, or legal status of the alleged debt. For example, [ describe specific instance, e.g., providing incorrect balances or threatening legal action that was not permissible ].

Unfair Practices ( 15 U.S.C. 1692f ) : Your company has employed unfair or unconscionable means to collect the alleged debt, including [ describe specific instance, e.g., attempting to collect fees not authorized by the agreement or law ].

Failure to Validate the Debt ( 15 U.S.C. 1692g ) : You have failed to provide adequate validation of the alleged debt after I requested verification, as required under the FDCPA.

Demand for Immediate Action Pursuant to 15 U.S.C. 1692c ( c ), I am hereby instructing Security Credit Services to cease and desist all communication with me regarding the alleged debt. This includes, but is not limited to, phone calls, letters, emails, or any other form of contact including reporting misleading information to all the credit bureaus.

Additionally, I demand : A full investigation into your companys practices regarding the alleged debt.

Immediate cessation of any reporting of this debt to credit bureaus until proper validation has been provided.

Removal of any inaccurate or misleading information already reported regarding this alleged debt.

Legal Notice Be advised that failure to comply with this cease and desist notice will result in further action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I reserve the right to pursue legal remedies to protect my rights, including seeking damages for harm caused by your violations of the FDCPA.

Please confirm in writing that your company will comply with this notice and cease all collection activities immediately. Failure to adhere to this request may result in further escalation.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation