Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/year> Security Credit Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Alleged Debt Violation of Debt Collection Laws- Security Services XXXX To Whom It May Concern, This is My FINAL attempt requesting to validate this debt properly owning this alleged debt that Security Credit Services has attempted to collect. This debt was reportedly purchased from XXXX XXXX XXXX, yet I have no contractual or legal obligation with your company. Your collection efforts violate debt collection laws, and I demand that you cease all attempts to collect this debt immediately. 

Violations of Debt Collection Laws 1. Unauthorized Purchase and Collection of My Personal Information I never granted permission for Security Credit Services to obtain or use my personal information. The acquisition of my data without my consent raises concerns about violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

2. Lack of Privity of Contract I have no contractual relationship with Security Credit Services. The fact that this debt was allegedly bought from XXXX does not create an obligation for me to pay your company. Debt buyers must provide a valid chain of assignment, which you have failed to do. 
3. Failure to Provide Proper Validation Under 15 U.S.C. 1692g of the FDCPA, I have the right to request full validation of this debt, including a copy of any original contract bearing my signature. Your company has not provided this, making your collection efforts unlawful.

4. Potential FCRA Violations If Security Credit Services has reported this debt to the credit bureaus, it is doing so without legal justification, in violation of the FCRA. I demand immediate deletion of any inaccurate, unverified, or unauthorized reporting. 

Demand for Immediate Action Cease all collection efforts about this alleged debt. 
Provide complete validation of this debt, including a full itemized breakdown, proof of the original contract, and a documented chain of assignment from XXXX to Security Credit Services. 
Remove any negative reporting to the credit bureaus at once, as this debt is unauthorized and unverified. 
If you do not comply, I will be suing you for Statutory damages, Actual Damages and my attorney fees. I will also explore legal action for violations of the FDCPA and FCRA. Additionally, I may file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals Office.

This letter serves as official notice under the FDCPA that I dispute this debt and demand that all further communication conducted in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX charged off a debt and sold it to Security Credit Services and fortified their right to collect or to continue to report. Both XXXX XXXX XXXX and Security Credit Services are reporting to all three Credit Bureaus. Also 18 U.S Code 894 has been committed. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, VA XXXX Subject : Formal Dispute Regarding Reporting and Collection of Sold Debt-Account # XXXX To Whom It May Concern, I am writing to formally dispute XXXX XXXX XXXX XXXX continued reporting and collection attempts on a debt that was sold to Security Credit Services . According to the Fair Credit Reporting Act ( FCRA ), once a creditor sells a debt to a third-party entity, they forfeit the right to report the account as a collectable debt or continue reporting inaccurate information to the credit bureaus. 

Under the FCRA, any entity that furnishes information to credit reporting agencies must ensure accuracy and fairness in consumer reporting ( 15 U.S.C. 1681s-2 ). By selling the account to Security Credit Services, XXXX XXXX XXXX relinquished its ownership rights, meaning it no longer has legal standing to report this account as an outstanding obligation under my name. Any continued reporting by XXXX is misleading, violates the FCRA, and negatively impacts my credit standing. 

I demand that XXXX XXXX XXXX : 1. Immediately cease all reporting of this account to the credit bureaus ( XXXX, XXXX, XXXX XXXXXXXX ). 
2. Remove any negative marks or trade-lines associated with this account from my credit reports.

3. Cease all collection activities related to this debt, as it has been transferred to another entity. 

If this matter is not resolved within 10 days, I will have no choice but to escalate this dispute by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Furthermore, I will consider legal action for willful noncompliance with federal consumer protection laws. 

Please provide written confirmation of your compliance with this request and documentation proving that XXXX XXXX XXXX still holds a legitimate claim to report this debt, if applicable. You may send your response to the mailing address above or via email. 

I appreciate your immediate attention to this matter and expect a prompt resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation