Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am submitting this response because I do not agree with the explanation provided by Security Credit Services regarding the account they claim originated with XXXX XXXX XXXX XXXX After reviewing the documentation provided in response to my complaint, I continue to dispute this account because I do not own it, I did not authorize it, and the documentation provided does not sufficiently demonstrate that I knowingly entered into any loan agreement with the original creditor. According to the response from Security Credit Services, the company claims that the account was originally opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX and was later charged off as a credit loss on XX/XX/XXXX. They further claim that the account was purchased by Security Credit Services on XX/XX/XXXX and that the account is now being reported to the credit bureaus with a balance of approximately {$1500.00}. They also claim that the account was opened as a personal loan and that a live check was presented and allegedly used to obtain the funds. However, I want to make it clear that I do not recognize this account and I did not knowingly authorize any loan agreement with XXXX XXXX XXXX XXXX. I have never knowingly applied for or entered into a loan agreement with this company related to the alleged debt being reported. Because this account does not belong to me, I took immediate action after discovering it on my credit report. I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted disputes to the credit reporting agencies explaining that this account is fraudulent or incorrectly attributed to my consumer file. I also notified the companies involved that the account is not mine and requested that they investigate the matter. Despite these actions, the account continues to be reported as a derogatory collection account and continues to negatively impact my credit profile. The company states that the documentation they provided validates the account. However, after reviewing the materials that were submitted, I do not believe the documentation sufficiently proves that I knowingly entered into the alleged loan agreement. The documents that were provided appear to include a copy of what is described as a live check issued by XXXX XXXX. The document indicates that a check was issued in the amount of approximately {$1600.00} and that the check was payable to me. The company claims that this check was used to open a loan account. However, the existence of a check alone does not prove that I knowingly entered into a loan agreement. Many fraudulent or unauthorized loan accounts are opened using checks or other instruments that are mailed to consumers or obtained through fraudulent means. The documentation provided does not establish that I knowingly applied for the loan, agreed to the loan terms, or intentionally deposited the check. It also does not demonstrate that the loan was opened with my full authorization or that my identity was not used fraudulently by someone else. Furthermore, the documentation provided does not include a clear and verifiable loan agreement bearing my confirmed signature along with the required disclosures and documentation typically associated with the origination of a consumer loan. Without such documentation, it can not be conclusively determined that the account belongs to me. Because of this, I believe that this account may be the result of identity theft, fraud, or a mixed consumer file. Identity theft is unfortunately very common and can occur when a third party obtains a persons personal information and uses it to open credit accounts or obtain loans without the individuals knowledge or authorization. When I discovered this account, I took responsible steps to address the issue by filing an identity theft report with the Federal Trade Commission and submitting disputes to the credit reporting agencies. Filing an FTC identity theft report is a serious action and is taken when a consumer believes their identity has been used fraudulently. The FTC identity theft report that I filed clearly states that this account does not belong to me and that I did not authorize it. Under federal law, companies that receive identity theft documentation are required to conduct a thorough investigation and review the documentation provided by the consumer. Despite this, the companys response simply states that the account was opened and that the signature allegedly matches my identification. However, I have not been provided with documentation that clearly demonstrates that I knowingly applied for the loan, agreed to the loan terms, or received the funds. The statement that a signature matches an identification document is not sufficient proof that I knowingly entered into the loan agreement. Identity theft cases frequently involve forged signatures or fraudulent use of identification documents. In addition, the documentation provided does not include evidence showing that I personally applied for the loan, that I completed a loan application, or that I agreed to the terms of the loan contract. It also does not include verification that the funds were actually received by me or that the loan was not obtained fraudulently. Because the account is being reported as a derogatory collection account, it is causing significant harm to my credit profile. Negative accounts on a consumer credit report can lower credit scores and affect a persons ability to obtain credit, housing, employment opportunities, or fair interest rates. Consumers rely on credit reporting agencies and data furnishers to ensure that the information appearing on credit reports is accurate and belongs to the correct individual. When inaccurate or fraudulent accounts appear on a credit report, it can have serious consequences for the consumer. In my case, the continued reporting of this account is damaging my credit profile and does not accurately reflect my financial history. I have acted responsibly by reviewing my credit reports, disputing the account, filing an identity theft report with the Federal Trade Commission, and requesting that the company investigate the matter. I am simply asking that the account be removed from my credit file if the company can not provide verifiable documentation proving that I knowingly applied for and authorized the loan. A proper investigation should include reviewing the original loan application, verifying the identity information used to open the account, reviewing the identity theft documentation that has been submitted, and confirming whether the account may have been opened fraudulently. If the company can not provide documentation demonstrating that I personally applied for and authorized the loan, then the account should be removed from my credit report. Consumers should not be held responsible for debts that were not incurred by them or accounts that were opened without their authorization. I want to make it clear that I am not attempting to avoid legitimate financial obligations. If an account truly belongs to me and proper documentation exists showing that I knowingly entered into the agreement, I would address the matter accordingly. However, in this situation, the account does not belong to me and I have taken the necessary steps to report the matter as identity theft. The FTC identity theft report that I filed should be taken into consideration during the investigation of this account. Identity theft reports are an important tool for consumers to report fraudulent activity and request that inaccurate accounts be removed from their credit files. Because I have filed identity theft documentation and clearly stated that this account is not mine, I respectfully request that the company review the matter again and remove the account if it can not be properly verified. A fair and reasonable resolution to this issue would include the removal of this account from my consumer credit file if the company can not provide clear and verifiable documentation proving that I knowingly applied for and authorized the loan. This includes documentation such as the original signed loan agreement, the full loan application, and evidence that the funds were received by me and not obtained through fraud. If the company can not provide such documentation, the account should not continue to be reported on my credit report. The continued reporting of this account without proper verification is unfair and harmful to my credit profile. I respectfully request that the company conduct a thorough investigation into the matter and review the identity theft documentation that has been submitted. If the account can not be fully verified as belonging to me, it should be removed from my credit report. My goal in submitting this complaint and response is simply to ensure that my credit file accurately reflects my financial history and that accounts that do not belong to me are removed. Accurate credit reporting is essential for consumers, lenders, and the financial system as a whole. When inaccurate accounts remain on a credit report, they undermine the integrity of the credit reporting system and create unnecessary hardship for consumers. I appreciate the opportunity to provide this response and I respectfully request assistance in resolving this issue so that the inaccurate account reported by Security Credit Services and the original creditor XXXX XXXX XXXX XXXX can be properly investigated and removed if it can not be verified. Until the account is properly verified or removed, it will continue to harm my credit profile and prevent my credit file from accurately reflecting my financial history. For these reasons, I again state that I do not own this account, I did not authorize this loan, and I have filed an FTC identity theft report regarding this matter. I respectfully request that the account be removed from my credit file if it can not be fully validated with proper documentation proving that I knowingly applied for and authorized the loan.

Company response to consumer: Closed with explanation