Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MO

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Security Credit with a balance of approximately {$1500.00}. I am formally stating that I do not own this account. I did not open the original account associated with this alleged debt, I did not authorize anyone to incur this obligation on my behalf, and I did not receive or benefit from any goods, services, or funds related to this account. This account is the result of identity theft. I became aware of this Security Credit collection account after reviewing my credit report and noticing a derogatory tradeline reflecting a balance of approximately {$1500.00}. The reporting indicates that Security Credit is attempting to collect on an alleged debt that was either originally opened fraudulently or transferred after being opened without my knowledge or authorization. I have never entered into a contractual agreement with Security Credit. I have never signed any documentation authorizing Security Credit to collect a debt from me. If Security Credit is collecting on a purchased or assigned debt, then the original account from which this alleged obligation stems was not opened by me and was the result of identity theft. Upon discovering this account, I immediately took action. I filed an Identity Theft Report with the Federal Trade Commission ( FTC ), formally documenting that this account was opened fraudulently using my personal information. I also submitted formal disputes to the credit reporting agencies, clearly stating that this collection account does not belong to me and is the result of identity theft. Despite filing the FTC Identity Theft Report and submitting disputes, the Security Credit collection account continues to report on my credit file. The continued reporting of this fraudulent collection account is causing serious damage to my credit profile and financial reputation. A collection account, particularly one reporting approximately {$1500.00}, significantly lowers credit scores. Credit scoring models treat collections as major derogatory items. The presence of this account falsely suggests that I failed to pay a legitimate financial obligation, which is inaccurate. After identifying this fraudulent account, I requested that Security Credit provide documentation proving that I am legally responsible for this alleged debt. Specifically, I requested : Identification of the original creditor. A copy of the original signed contract or agreement bearing my signature. Documentation showing the identity verification procedures used at the time of account opening. A complete chain of assignment from the original creditor to Security Credit. Proof that Security Credit has legal authority to collect this debt. An itemized breakdown explaining how the balance of approximately {$1500.00} was calculated. Complete account statements from inception through charge-off and transfer. To date, I have not received original signed documentation bearing my authorization. I have not received proof that I entered into a contractual agreement with the original creditor or that Security Credit has lawful authority to collect this debt from me. Under the Fair Credit Reporting Act ( FCRA ), furnishers and credit reporting agencies must ensure maximum possible accuracy when reporting consumer information. Reporting a collection account as belonging to me when I did not open or authorize the underlying account violates this standard. Additionally, under Section 605B of the FCRA, when a consumer submits a valid Identity Theft Report, the credit reporting agencies must block the reporting of fraudulent information unless they determine that the report was false or based on misrepresentation. I have complied with all legal requirements to assert identity theft, yet the account continues to report. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. As a debt collector, Security Credit must provide sufficient validation to establish that I am responsible for the alleged debt. Generic statements or automated confirmations are not sufficient. It is also concerning that this account continues to report despite my formal identity theft claim. A meaningful investigation should include review of original documentation and verification records, not merely reliance on data transmitted from a previous creditor. If Security Credit purchased this alleged debt, I request documentation of : The date of purchase. The purchase agreement or assignment documentation. Confirmation that the identity theft dispute was disclosed at the time of purchase. Proof that the underlying account was verified as legitimate prior to reporting. If the original account was fraudulent, then any subsequent sale or assignment does not create legitimate liability for me. The financial harm caused by this collection account includes : Decrease in my credit score. Difficulty qualifying for loans or credit products. Higher interest rates. Potential housing or rental denials. Emotional stress and financial uncertainty. Because this account is fraudulent, I should not bear the burden of this damage. If Security Credit believes that this account belongs to me, I request detailed documentation demonstrating : The original creditors name. The date the original account was opened. The method of application. The identity verification procedures used. Copies of signed agreements bearing my signature. Documentation proving lawful assignment to Security Credit. Without such documentation, there is no legitimate basis for continuing to report this collection account as mine. The Fair Credit Reporting Act and the Fair Debt Collection Practices Act exist to protect consumers from inaccurate and improper reporting and collection activity. The continued reporting of this Security Credit collection account undermines these protections and causes unjust harm. I have acted responsibly by reviewing my credit report, filing an FTC Identity Theft Report, and submitting formal disputes. I am fully cooperating and willing to provide additional documentation to support my claim if necessary. A proper investigation must involve review of original contracts, assignment documentation, and identity verification records. Simply confirming information through automated systems or relying on prior data is not sufficient when identity theft has been reported. If Security Credit can not produce documentation showing that I personally opened and authorized the original account, the only appropriate resolution is permanent deletion of this collection account from my credit file. I am not attempting to avoid legitimate financial responsibility. If I had opened and used the original account, I would take responsibility for it. However, I can not and should not be held responsible for a debt incurred through identity theft. The resolution I am seeking in this complaint is recognition that this Security Credit collection account is fraudulent, correction of the inaccurate reporting, and restoration of accuracy to my credit profile. I respectfully request that Security Credit conduct a thorough and meaningful investigation into this matter and take corrective action consistent with federal consumer protection laws. I appreciate the opportunity to formally document this issue and request corrective action. I look forward to receiving a written response explaining the findings of the investigation and confirming that the fraudulent Security Credit collection account has been removed.

Company response to consumer: Closed with explanation