Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
This complaint supplements my prior CFPB Case # XXXX regarding Security Credit Services , LLC ( Security ) and its handling of an account originally sold by XXXX XXXX XXXX XXXX XXXX XXXX ) on XX/XX/XXXX. 

On XX/XX/XXXX, I sent Security a Debt Validation Request under FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ). The certified mail was delivered and signed for on XX/XX/XXXX ( Exhibit B ). Security never responded or provided any validation documentation. 

During this same period, I also filed a Formal Dispute with XXXX  on XX/XX/XXXX, challenging dual reporting between XXXX  and Security. The green card was received XX/XX/XXXX, yet no investigation results or response were provided, violating FCRA 611 ( a ) ( 1 ) ( A ) ( failure to reinvestigate within 30 days ). 

On XX/XX/XXXX, I mailed Security a Final Notice Illegal Reporting and Permanent Reinsertion Prohibition ( Exhibit D ), reiterating their statutory duty to cease furnishing unverifiable data, validate ownership, or delete the account. That notice also cited their prior deletion of this same tradeline in XX/XX/XXXX following CRA investigations ( Exhibits EF ). 

Despite these notices, XXXX XX/XX/XXXX CFPB response admitted that they sold the account to XXXX XXXX XXXX, XXXX on XX/XX/XXXX, XXXXmore than one year agoconfirming they lacked ownership during the period they were furnishing data. 

Accordingly, Security violated multiple federal provisions, including : FDCPA 809 ( b ) Failure to validate debt after written request.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing information known or reasonably believed to be inaccurate. 

FCRA 611 ( a ) ( 1 ) ( A ) Failure to reinvestigate XXXX  dispute within 30 days. 

FCRA 611 ( a ) ( 5 ) ( A ) Failure to provide written confirmation of deletion after prior removal. 

FCRA 607 ( b ) Lack of reasonable procedures to ensure maximum accuracy in credit reporting.

These violations were knowing, repeated, and directly contradicted by Securitys own written admission that they sold the account long before they stopped furnishing data. 

On XX/XX/XXXX, XXXX  completed its reinvestigation of the XXXX/Security account and reported no change, even though the tradeline itself shows Purchased by another lender and XXXX had XXXX the debt was sold on XX/XX/XXXX. This demonstrates XXXX  failure to correct inaccurate data after validation was requested and proves that XXXX XXXX XXXX and XXXX  continued furnishing unverifiable information in violation of FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ). Please cross-link this evidence to my active Security Credit Services complaint for joint enforcement consideration. 

For reference, I have included Exhibit J Legal Coherence Check, which summarizes the statutory violations involved in this case and the evidence supporting each. It provides a concise overview of the specific sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) violated by both Security Credit Services and XXXX.

Company response to consumer: Closed with explanation