Consumer complaint received 2024-12-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Security Credit Services RE ; Cease And Desist Request Account XXXX To Whom It May Concern, I am writing in regard to the collection efforts related to the above referenced account. As of the date of this letter, I request that you immediately cease and desist from any further communication with me regarding this debt. 

Under the fair Debt Collection Practices Act ( FDCPA ), I have the right to request that you stop contacting me about this debt therefore I formally requesting that you : 1. Cease and desist all communication with me regarding this debt, including letters, phone calls, or any other form of contact. 

2. Immediately stop reporting this debt to the credit bureaus, as I believe this information is inaccurate and I am disputing the validity of the debt.

According to 15 USC code 6802 : A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any non affiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

And I was never notified of any new accounts on my credit report also, According to 15 USC 1681b A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

( 3 ) To a person which it has reason to believe- ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer. 

And there were no written instructions allowing Security Credit Services to report any credit or collection to a bureau also, According to 18 USC 1028A This law applies when someone knowingly uses, transfers, or possesses another person 's means of identification without lawful authority, during or in relation to a federal felony offense and I did not give any creditor rights to bill or collect debt under my name. 

Please note this letter is not an admission of liability for the debt in question. I dispute the validity of this debt, and I am requesting that you provide proper documentation to verify that I authorized to collect debt under my name and credit and to verify the amount owed and its legitimacy. 

If you choose to pursue any legal actions or report this debt to any credit bureaus, you must provide the necessary documentation in accordance with the fair Debt Collection Practices Act ( FDCPA ). 

Please acknowledge receipt of this cease and desist request in writing. If I continue to receive communication from your office after this request I will consider taking further action, including filing complaints with the federal trade commission ( FTC ) and my state 's attorney general. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation