Consumer complaint received 2025-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
CFPB Complaint Date : XX/XX/year> ( emailed ) But dated for the following business day. 
VIA EMAIL Security Credit Services , LLC XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX Tel : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Email : XXXX Website : XXXX Complainant : XXXX XXXX XXXX ( XXXX XXXX XXXX Re : Second and Formal complaint re-reporting, failure to validate, untimely response, and unlawful communications, misrepresentation of facts to a credit reporting agency, unfair business practices act, FDCPA violations etc.

I am filing this complaint against Security Credit Services , LLC ( " XXXX   '' ) and its third-party agent XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) for repeated violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Key account information : - Security Credit Services reference number : XXXX - XXXX XXXX XXXX reference number : XXXX - Alleged balance : {$1400.00} Summary of events & timeline : - XX/XX/year> : I submitted a formal debt validation request to Security Credit Services. 
- On or about XX/XX/year> : Security Credit Services responded untimely with a back-dated letter that failed to validate the debt properly. 
- Shortly after the deletion of prior reporting ( original creditor : XXXX ), Security Credit Services re-reported the same account to XXXX  under the name XXXX XXXX XXXX XXXX XXXX while continuing to report to XXXX  under its own name and even falsely reporting a payment that I did not make. 
- XXXX XXXX XXXX contacted me, claiming to collect on behalf of Security Credit Services under a different reference number ( XXXX ). Their correspondence does not state they purchased the account ; it states they are collecting on behalf of XXXX. 
- I issued a Cease & Desist to Security Credit Services. Despite that, XXXX continued communications on behalf of XXXX. 
Proof of XXXX re-reporting under a different name after it was removed from all credit bureaus ( XXXX  ). The only thing different is the name. XXXX intentionally caused harm, shame, misled XXXX, and harassment. Its difficult to keep up with them with all of their misrepresentations. This is misleading Violations alleged : - FCRA : furnishing inaccurate information, failing to report the account as disputed, and re-reporting under a different furnisher name ( XXXX XXXX XXXX XXXX XXXX XXXX 
- FDCPA : failure to validate the debt properly, untimely response to validation requests, continuing communications after a written Cease & Desist, and misrepresentation of the account 's status and payment history.

- Unfair/deceptive business practices : use of multiple account numbers to confuse the consumer, re-reporting after deletion, and harassment through third-party collectors.

Requested remedies : 1. Permanent deletion of all reports of this account ( including any listings under XXXX XXXX XXXX XXXX XXXX ) from XXXX XXXX XXXX  and any other consumer reporting agency to which you furnished it.

2. Written confirmation that Security Credit Services and XXXX XXXX XXXX will cease all collection efforts and communications regarding this account. 
3. Written confirmation that XXXX  and XXXX  have been notified and the records corrected/removed. 
4. An explanation and documentation for why the account was re-reported under " XXXX XXXX XXXX XXXX  and why XXXX is showing a different reference number. 
5. Compensation for damages ( statutory and actual ) caused by inaccurate reporting and harassment, and confirmation that you will refrain from further unlawful collection practices.

6. I offered a reasonable settlement to XXXX, but they declined my offer. At this point, their actions can not be ignored. 
7. Why would XXXX re-report under a different name of XXXX XXXX XXXX? How many people have they intentionally disclosed false information about on their credit reports? 
8. I have proof that I was unable to be hired for work from home accommodations due to the collection account XXXX reported to the credit reporting agencies. 
Enclosures : copies of prior communications, Cease & Desist, XXXX  dispute reference. 
Please copy all direct all future communications to my email address as well as my mailing address. No phone calls or third-party communications are authorized, and emails can be received by managers or compliance officers regarding this complaint. 

Sincerely, XXXX XXXX XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation