Security Credit Services, LLC CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	LA 70131	Web
I noticed that this company is reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. RE-AGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed three years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows : Security Credit Services : XXXX XXXX has two accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines. I have never received services from this company and if proof can not be validated, I 'd liked these accountsa to be deleted. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thank you, XXXX XXXX
09/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 187XX	Web
I have never given this agency permission to use my information. This agency has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this reporting on my consumer reports, I could not purchase a new home or vehicle or even get approved for credit. The following are the federal laws that they have broken while attempting to collect an alleged debt. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts. ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. ( ii ) The consumer 's name and mailing address. ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. ( v ) The name of the creditor to whom the debt currently is owed. ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. ( ix ) The current amount of the debt. 1006.14 Harassing, oppressive, or abusive conduct. ( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section. ( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 1006.18 False, deceptive, or misleading representations or means. ( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section. ( b ) False, deceptive, or misleading representations. ( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof. ( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ). ( iii ) Any individual is an attorney or that any communication is from an attorney. ( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer. ( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part. ( vi ) Accounts have been turned over to innocent purchasers for value. ( vii ) Documents are legal process. ( viii ) Documents are not legal process forms or do not require action by the consumer. ( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt. ( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt. 1006.22 Unfair or unconscionable means. ( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section. ( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation. 1006.30 Other prohibited practices. ( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ). 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 5 U.S. Code 552a - Records maintained on individuals
10/24/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web	Servicemember
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to responses sent to me from your company, via the Consumer Financial Protection Bureaus portal, and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Your response to me, on XX/XX/XXXX included the following four documents below : Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. Per FDCPA, prior to initiating any collection or reporting action, I was supposed to receive a letter, from Security Credit Services including the following : - Statement that the communication is from a debt collector. - My name and mailing information. - The name and mailing information of the debt collector. - The name of the creditor alleged debt is owed to. - The account number associated with the alleged debt. - An itemization of the current amount of the alleged debt that reflects interest, fees, payments, and credits. - The current amount of the alleged debt when the notice is provided. - My right to dispute the alleged debt within 30 days of the receipt of letter. In violation of FDCPA and FCRA, this notice was NEVER sent to me by Security Credit Services, eradicating my right to dispute, and erroneous, enegative, invalidated information was illegally put on my credit report. Per Security Credit Services uploaded documentation, I have several concerns regarding any liability on my behalf to pay Security Credit Services, the legitimacy of Security Credit Services documentation, the legitimacy of Security Credit Services right to collect and the fact that Security Credit Services never sent a legitimate notice of debt collection to me, despite falsely claiming notices were sent. The first notice, dated, XX/XX/XXXX, was allegedly sent from a company called XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX and the second notice dated XX/XX/XXXX, was allegedly sent from a company called XXXX XXXX XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX. These are clearly different companies from Security Credit Services, and does not eradicate Security Credit Services to follow the law, and send its own properly formatted debt collection notice, with all required components, which Security Credit Services did not produce or upload to the CFPBs portal, in response to my complaint, because it was never sent to me. This is a violation of the FDCPA and FCRA. Per Security Credit Services XX/XX/XXXX letter, it recognizes itself as a debt buyer and debt collector. It therefore must comply with FDCPA and FCRA. In addition to Security Credit Services never sending me proper notification of debt and the right to dispute, the notifications that were provided by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX were sent to addresses that I have never resided at. The XX/XX/XXXX notice was sent to XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX VA XXXX and XX/XX/XXXX notice was sent to XXXX XXXX XXXX XXXX XXXX VA XXXX. I, again, have never resided at these addresses. The lease to purchase agreement provided does not constitute any proof that I have any obligation to pay Security Credit Services, nor that this is an agreement that was initiated by me. Neither does my email address matching the email address Security Credit Services has on file. Per 12 CFR 1006.18, a debt collector must not use any false representation or decep-tive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Security Credit Services failed to adhere to the above referenced provision by failing to send me notification of this alleged debt, providing notifications from oth-er debt collectors as though it were from Security Credit Services , and providing con-flicting information, that I must contact XXXX XXXX to dispute this debt, but that Security Credit Services is the alleged owner of the debt. To be clear, this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay Security Credit Services what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Show me the purchase agreement of this alleged debt from XXXX XXXX to Security Credit Services Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that as your office has reported invalidated information to all of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action constitutes fraud under both Federal and State Laws. Due to this fact, if any negative mark/account continues to remain on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any continued action occurs, which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
01/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77083	Web
Original Creditor / Account #: XXXX XXXX Current Account Owner / Account #: Security Credit Services, LLCXXXX Debt amount: XXXX On XX/XX/XXXXa collection debt in the amount of $XXXX appeared on my XXXX credit reported by Security Credit Services on behalf of XXXX XXXX I contacted Security Credit Services - Collection Company and spoke to XXXX XXXX. I explained I am not familiar with either company and did not make this debt. XXXX XXXX would not research this matter until I contacted the police and provided her with a police report, a notarized affidavit and copy of my Texas driver's license. I provided the proof to her on XX/XX/XXXX. ned this was not my debt. XXXX XXXX acknowledged receipt of the documents on XX/XX/XXXX. After several weeks of not hearing anything from her I sent another email asking for the status of their investigation. XXXX XXXX stated she sent me a letter. After emailing back and forth I discovered she had actually sent the email to the address associated with the fraudulent information. I requested she send me the document with my address on it. She emailed it to me on XX/XX/XXXX OnXX/XX/XXXX I again contacted XXXX XXXX as the account is still showing on my credit reports. She stated, the request to correct the information on my credit report would occur in 30 days. She stated she sent out the letter to all 3 major credit bureaus and I should expect the correction to appear in 30 days. I have tried to reach XXXX XXXX by phone along with an emails and as of today's date (XX/XX/XXXX) the information remains on my credit report. Regards, XXXX XXXX XXXX EMAIL TRAIL: RE: Erroneously reported debt Original debtor: XXXX Account #XXXX Debt amount: $XXXX This email should serve as proof account number XXXX was fraudulently opened in my name and erroneously report to XXXX XXXX and XXXX. I have never had an account with XXXX XXXX and request this information be submitted to all three credit reporting agencies immediately for removal. The XXXX police has been notified of this the fraud on XX/XX/XXXX. XXXX case: #XXXX Deputy: XXXX XXXX XXXX XXXX Burglary and Theft XXXX Regards, XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX to me Hi XXXX, If you are stating that this account is fraud, the following documents will need to be submitted so that we can start a fraud investigation: Police Report (with account information listed on report) Notarized Affidavit of Forgery Copy of drivers license Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX [XXXX] Sent: Tuesday,XX/XX/XXXXXXXX XXXX To: Customer Service Credit; XXXX Subject: Fraud investigation - account XXXX XXXX XXXX XX/XX/XXXXto XXXX XXXX I suspect it to be fraud however it can simply be in error in the reporting process made to your company from XXXX. I would suggest you investigate it further determine it. I followed the directions you gave me to report it to my local police and I expect for your company to do something about it. Because again, it does not belong to me. I need that information removed from my credit report immediately! If you do not have the authority to do that then I need to speak to your supervisor. XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XX/XX/XXXX to cs, XXXX Documents requested by your regarding fraudulent account #XXXX. This email along with documents you requested should serve as proof of my identity as it relates to fraudulent account XXXX set up in error in my name using my personal information and reported by you to the national credit bureaus.. Again, I have not ever opened any account with Security Credit Services nor with XXXX XXXX This information should be immediately reported as fraud or erroneous to all three major credit bureaus. If this information remains on my account longer than 30 days I will report this to this matter to the Federal Trade Commission. I would like your actions relating to this matter in writing. Regards, XXXX XXXX XXXX. Attachments area XXXX XXXXXX/XX/XXXX to me Hi XXXX, We received your fraud documents. Please allow 3-5 days for fraud investigation period. Feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX To: Customer Service Credit; XXXX XXXX XXXX Subject: Re: Fraud investigation - account XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX It has been several weeks since I provided you documentation you requested which should unequivocally prove I am not the person whom opened this account. I have not heard back from you by email not by mail as I requested you reply in writing to me regarding this matter. In addition, the information is still reflected on my credit report. Please advise what steps you have made in investigating this and when I can anticipate this erroneous information removed from all three major credit bureaus. RegardsXXXX XXXX XXXX Sent from my XXXX XXXX XXXX XX/XX/XXXX to me Hi XXXX This account XXXX was closed due to fraud on XXXX. A letter was mailed to the address we have on file, XXXX XXXX XXXX XXXX IL, XXXX. A deletion was submitted to the credit bureaus to update this account. The update may take up to 30 days for the credit bureaus to update your account. Attached you will find documentation for your records. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX [XXXX] Sent: Thursday, XX/XX/XXXX XXXX XXXX To: XXXX XXXX Attachments area XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX I did not receive the original document because the XXXX address is the fraudulent address. I reside in XXXX Texas and have never lived in XXXX. However I do appreciate your follow up on this matter and am looking to see this information removed properly from bureaus. XXXX XXXX. Sent from my XXXX XXXX XXXX XX/XX/XXXXto me Hi XXXX, I am sorry about the incorrect address on file. Do you want me to email you another letter with your corrected address information? If so, what is your correct address? From: XXXX XXXX [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX Yes, I would like the correct address on the document. My address is: XXXX XXXX XXXX XXXX XXXX TX XXXX Sent from my XXXX XXXX XXXXXX/XX/XXXX to me Hi XXXX, Attached you will find the requested corrected information. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX From: XXXX XXXX [XXXX] Sent: Friday, XX/XX/XXXX XXXX XXXX Attachments area XXXX XXXX XX/XX/XXXX to XXXX XXXX XXXX, The fraudulent account is still reflected in my credit reports. I realize you said I should wait 30 days however I am in the process of applying for credit and expected quicker movement on this since it has been adversely effect in my credit for several months now. Please advise when the correction was submitted to all three major bureaus and again, when I can expect this matter to be resolved. Regards XXXX XXXX XXXX Sent from my XXXX XXXX XXXX XX/XX/XXXX to me Hi XXXX As stated in previous email this account update could take up to 30 days for credit bureaus to update your account. A deletion letter was mailed on XX/XX/XXXX for your records. Please feel free to contact our office if you have any questions. Thanks, XXXX XXXX
10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	CA 93722	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number ( XXXX ) XXXX Re : Request for Verification of Debt Account # XXXX To Whom It May Concern, I am writing in response to your recent communication regarding an alleged debt associated with the account referenced above. I appreciate your attempt to provide documentation ; however, there are significant concerns I need to address. First and foremost, your documentation does not contain any verification or validation that I owe this debt. What is presented appears to be a bill that does not bear my signature, neither written nor electronic. Additionally, the provided documentation does not bear my name or address, and there is no direct link to me. It is essential to adhere to the Fair Credit Reporting Act ( FCRA ) regulations, which require that accurate and verifiable information is reported. The absence of my signature, name, or address on the documentation raises questions about the legitimacy of this debt. This situation is of utmost concern because it directly affects my creditworthiness and reputation. I would like to draw your attention to the FCRA 's requirement of fair and accurate reporting. Your current approach raises concerns about defamation of character, slander, and potential violations of consumer laws. I am prepared to provide documentation that establishes my name, address, and residence history, all of which predate the date associated with the account in question. I am confident that this will demonstrate that the documentation you have is not connected to my identity. In the spirit of resolving this matter promptly and in compliance with all relevant laws, I kindly request that you provide me with detailed verification of this debt. This verification should include evidence that establishes my liability for the debt, such as a signed agreement or other valid documentation. I expect a thorough investigation into this matter to rectify any inaccuracies in your records, and if the debt can not be validly verified as mine, I request its immediate removal from my credit report. Please keep in mind that my rights under the FCRA and other consumer protection laws must be respected. Therefore, I anticipate a prompt and diligent response to this request for debt verification. Please remove from my credit report as well as quit reporting inaccurate information. Sincerely, XXXX XXXX XXXX XXXX was the last letter I sent to them disputing the evidence that they so-called had was totally wrong that was the last letter I sent to them disputing the evidence that they so-called had was totally wrong XXXX XXXX Consumer Dispute XXXX XXXX XXXX XXXX XXXX, PA XXXX Security Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX Dear Sir or Madam, I am writing to express my profound disappointment in the actions of XXXX, XXXX, and Security Credit. Over the course of my efforts to resolve discrepancies in my consumer credit reports, it has become abundantly clear that these companies have violated consumer rights, the code of ethics, and the Fair Credit Reporting Act ( FAIR Act ). I have initiated disputes with XXXX and the two creditors, XXXX and Security Credit, to address inaccuracies in my credit report. Despite sending dispute letters, debt validation letters, and debt verification letters, I have been met with a deafening silence, as my efforts to rectify these discrepancies have been entirely ignored. My dispute with XXXX stemmed from an account with XXXX that displayed an incorrect address, which I promptly challenged with documentation proving that I received mail at my correct address around the same time. However, it appears my concerns have fallen on deaf ears. Moreover, XXXX is attempting to collect on behalf of XXXX, even though I have never had any business dealings with them. I have provided substantial documentation, including bank statements as proof of my residency, and yet they continue to pursue a debt that is not mine. The heart of the matter is that both XXXX and the collection agencies should never have reported information that they could not validate. The " evidence '' presented is far from validation, with the name being incorrect and the address differing from mine. This glaring discrepancy leaves one to question how such information can be considered valid. Consumer laws are being violated, as investigations conducted by these entities lack depth and due diligence. The current approach, where automated systems like " XXXX '' assign a number to the dispute, and data is cross-referenced with databases like XXXX, fails to constitute a legitimate investigation. XXXXXXXX XXXX lack of proper investigative procedures has resulted in tarnishing my creditworthiness, and this is something that should not be taken lightly. Negative information should only be reported if it is verified. It is disheartening to see that this is not consistently adhered to. It is unjust that creditors can make claims against me without proper validation, affecting my reputation and creditworthiness. When consumers like me attempt to report discrepancies, it is only fair that we are subject to a rigorous validation process. But do not do the same to the creditors should be asked for evidence and required documentation before any negative information is included in our credit reports. But they don't they just take what a creditor says and puts it on our credit report and It is disheartening to witness the negligence in upholding consumer protection laws. I am deeply dissatisfied with the way these consumer laws are being disregarded, and I implore you to rectify this situation on behalf of all individuals who have been wronged by such practices. My credit is being unfairly tarnished, and I am continuously denied access to credit opportunities, all due to the irresponsibility of the credit reporting agencies and creditors. In conclusion, I kindly request that you take immediate action to address these issues, rectify the inaccuracies in my credit report, and ensure that proper investigative procedures are followed in accordance with consumer protection laws. Thank you for your attention to this matter. I trust that you will uphold the principles of fairness, integrity, and accuracy that are fundamental to our consumer credit system. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76039	Web	Servicemember
This complaint is in response to recent knowledge I, XXXX XXXX XXXX, received on XX/XX/XXXX of a debt being claimed against me as reported on my credit report with XXXX, XXXX and XXXX. THIS COMPLAINT IS IN REGARD TO A COLLECTION ACCOUNT EXISTING ON MY XXXX CREDIT REPORT PASSED THE LEGAL REPORTING STATUTE OF TWO YEARS. THIS COMPLAINT IS AGAINST SECURITY CREDIT SERVICE THAT IS FURNISHING THIS UNVERIFIED AND INVALID INFORMATION TO XXXX. THIS COMPLAINT IS NOT AGAINST XXXX AT THIS TIME. This is a complaint arising under Sections 5 ( a ), 5 ( m ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p, to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for the Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act. XXXX provides consumer personal credit reports to regional and national credit grantors, attempting to issue both commercial and consumer credit. XXXX regularly furnishes consumer credit reports to Creditors electronically. XXXX is an entity who regularly and in the ordinary course of business furnishes information to one or more Creditors about its transactions or experiences with its consumers. XXXX routinely receives complaints from consumers who claim they do not owe the debt or that an account is invalid or incorrect. In numerous instances, I have notified XXXX at the address specified for such disputes that XXXX is reporting inaccurate information concerning my consumer credit. As a victim of identity theft and the XXXX Data Breach I expect the information in my consumer report to be accurate and my disputes taken seriously. XXXX has continued to report inaccurate information to the Creditors even after receiving such notice and accompanying proof. In numerous instances, I have disputed the information appearing on my consumer credit report in writing to XXXX. XXXX receives most notices of disputes from a consumer in electronic format, through automated consumer dispute verification ( ACDV ) forms provided on XXXX website. Pursuant to Section 623 ( b ) ( 1 ) of the FCRA, XXXX, as a furnisher of information to the Creditors, is required to conduct an investigation of the disputed information upon receipt of a notice of dispute from a Consumer. For certain types of disputes, such as those where the consumer claims the account is not his or hers or belongs to someone with a similar name, it is XXXX s policy and practice only to compare the name, social security number, date of birth, and address in XXXX s computer database with the information provided on ACDV forms. Where three of the four items match, XXXX will report to the Consumer that it has verified the information it furnished as accurate. It is XXXX s policy that only after the consumer has alleged the same type of account inaccuracy more than four times will the matter become assigned to a supervisor to do further investigation. Because XXXX collects accounts that are often old, information in its computer files may not be accurate for a variety of reasons, including incorrect updating of addresses, errors in recording names and information, and problems with the original Creditors records. In disputes involving identity theft or fraud allegations, XXXX s policies provide that if the existing account codes and notes in its records do not contain any reference to a prior claim of fraud, XXXX will verify the previously reported information without conducting any investigation prior to such verification. In numerous instances, despite written or oral notification from consumers disputing the accuracy or completeness of alleged debts, XXXX continued to furnish the information to the Creditors without communicating that the information was disputed by the consumer. Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to Creditors. Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any Creditor if i. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ii. the information is, in fact, inaccurate. In numerous instances, I have contacted XXXX at the address specified by XXXX to dispute information furnished by XXXX to a Creditor and to notify XXXX that the information is inaccurate. In numerous instances, I have also provided information such as the consumers drivers license, social security number, and/or proof of residence to confirm my identity. The acts and practices alleged above constitute violations of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). Pursuant to Section 621 ( a ) ( 1 ) of the FCRA, 15 U.S.C. 1681s ( a ) ( 1 ), the acts and practices alleged above also constitute unfair or deceptive acts or practices in violation of Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ). SECURITY CREDIT SERVICE is also a furnisher of inaccurate credit information and is just as liable as XXXX. A recorded statement from XXXX states that SECURITY CREDIT SERVICE is the one responsible for removing, updating and validating this information. As it currently stands XXXX nor SECURITY CREDIT SERVICE has validated or verified the accuracy of this account. They also failed to remove the unverified account from my credit report. The following unvalidated/unverified account is being furnished by SECURITY CREDIT SERVICE and are being reported by XXXX. Account Reported Date Account listed as XX/XX/XXXX As of XX/XX/XXXX this account is still being reported.
12/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75104	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within XXXX days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. XXXX. XXXX XXXX XXXX XXXX {$390.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX ( XXXX ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
06/07/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MD 20854	Web
By way of background, I owed roughly $ XXXX on a credit card to XXXX XXXX. I had stopped making payments in about XX/XX/XXXX due to numerous financial woes and personal mental health challenges. Many of my personal loans and debts stared to go bad at that time, and I obviously began receiving numerous collection letters, legal notices, etc. Beginning on the morning of XX/XX/XXXX, I began telephonic communcations with XXXX XXXX of XXXX XXXX, NJ. ( XXXX ) from whom I had been receiving notices regarding this subject debt. During my initial conversation, it was explained to me that XXXX was the collection arm/servicing agency retained by " Security Credit Services '', who had purchased this debt from XXXX for " cents on the dollar '', who in turn had charged off this debt in XX/XX/XXXX. All notes and documents available for your review. During my call to XXXX I spoke to a XXXX XXXX on a recorded line. I was candid and upfront with her, acknowledging my original debt and advising them that I was back on my feet and had pulled together some funds and resources to make good on my outstanding debts ; that the reason I had not responsed to their prior communications was because I had nothing to offer them. But times had improved for me and I was ready to proceed with their negotiated settlement offers. She advised me that on or about XX/XX/XXXX, Security Credit Services had " pulled back '' this debt from XXXX because of non-payment by me, and would possibly re-assign it to another agency for collection purposes ; that this debt didn't reside with XXXX any longer. I asked XXXX XXXX for a phone number to Security Credit Services. She replied with, " I don't have it ; XXXX it ''. I did XXXX Security Credit Services and found a number of XXXX. On XX/XX/XXXX at XXXX, I called this number, but there is no capability to leave a message, and there was no answer. On Wednesday XX/XX/XXXX at roughly XXXX, I had another phone conversation with XXXX XXXX and I believe that agent 's name was XXXX XXXX. She indicated they were successful in getting my debt re-established with their firm and were offering me a negotiated resolution of 40 % of the original balance, or {$10000.00} ( all notes and documents available for your review ). I explained to XXXX that this amount was quite a bit higher than what I anticipated or had the funds for. Other collection companies had settled with me for roughly XXXX. I was told this was their final offer, otherwise the matter would go to legal action. I explained to XXXX that I couldn't do that amount at the moment, but I would get back to her within a few days with hopefully some resolution. Over the course of the following XXXX XXXX weekend, I had detailed financial discussions with my wife, with whom I hold all of my cash ( liquid and non-liquid ) assets. We agreed to move things around to make good on XXXX XXXX offer of {$10000.00}. On XX/XX/XXXX, the day after the long Memorial Day Weekend at roughly XXXX, I called XXXX and spoke to XXXX XXXX again. We initiated the process of paying the {$10000.00} via " pay by check via phone '' where I provide them with my bank 's routing and account numbers and they engage in a ACH withdrawal transaction. We were nearly done with the transaction. I was relieved that I had settled another debt, and was even given a confirmation password to retrieve my " paid and satisfied '' letter when XXXX tells me she can't process the settlement because their offer was only good through XX/XX/XXXX. At no time during my phone calls with XXXX was I told the offer on the table was only good through XX/XX/XXXX, which was Monday, XXXX XXXX, and at no time had I ever received any written communication from XXXX of any such timeline. XXXX told me I would now have to pay over {$13000.00} to settle this. I certainly felt like this was a classic " bait and switch '' tactic, and lost all trust and confidence in XXXX and the potential for a successful resolution to this matter. Every other creditor and collection company had been honest and forthright with me in settling all of the other debts. At no time did any of them hit me for more money than was negotiated. We were so close to concluding this process that I had even written down on my notepad the date/time of the resolution, the email password to retrieve my " satisfied '' letter, and the phrase " paid full settlement offer of {$10000.00} ''. I ask the CFPB to look into this bait and switch tactic on the part of XXXX and/or Security Credit Services. I find it really ironic that as a consumer, here I am reaching out to my creditors, engaging them rather waiting to receive their calls, advising them I'm ready to accept their offer to resolve, only to have the rug pulled out from underneath me. I stand ready and committed to paying their initial amount of {$10000.00}, but nothing more, particularly when I was never notified of a timeline to accomplish this by. When will it stop? If I agree to the {$13000.00}, are they going to bump me up again, and again?
12/29/2019	No	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	GA 30311	Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX, XXXX, 2019 Security Credit Servic XXXX XXXX XXXX XXXX XXXX, MSXXXX RE : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : XXXX Please provide me with the original signed contract At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
02/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77346	Web
Concerning Accounts XXXX XX/XX/2022 {$8500.00} XXXX XXXX XXXX XXXX XXXX XX/XX/2022 {$8900.00} XXXX XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for Security Credit Servic in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Best Regards XXXX XXXX XXXX Federal Trade Commission
02/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30039	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX, MS XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
12/30/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web
When viewing my XXXX report on XX/XX/2022, after receiving a monitoring alert from XXXX, I noticed there was a new alleged collection item as follows : Account Name : SXXXX XXXX XXXX Account Number : XXXX, Alleged Balance : {$2900.00} and Alleged Past Due Amount : {$2900.00}, Date Opened : XX/XX/2022 that was just added to my XXXX credit report. The XXXX XXXX added this collection account to my XXXX credit report on XX/XX/2022 ( see attached ) and purposely placed the Date Opened : date of XX/XX/2022 so they could avoid the new Fair Debt Collection Act laws that were active as of XX/XX/2022 which clearly states the following : Before a collector furnishes information about a debt to a consumer reporting agency, the final rule generally requires the collector to take XXXX of several actions to contact the consumer about the debt. These actions include speaking with consumers about their debts by telephone, mailing a letter to the consumer, or sending an electronic message about the debt to the consumer. If mailing a letter or sending an electronic message to the consumer, the collector must wait a reasonable period of time to receive a notice of undeliverability, such as 14 days, before furnishing information to a CRA and must not furnish if a notice of undeliverability is received unless the collector takes additional steps. Collectors are also prohibited from, and will be strictly liable for, suing or threatening to sue a consumer to collect a time-barred debt, which is defined as a debt for which the applicable statute of limitations has passed. Under the final rule, collectors will be also be required to provide readily understandable disclosures that contain more information than consumers currently receive when the collector first begins to communicate with the consumer to collect the debt. The disclosures must include details about the debt and consumer protections, including the right to dispute the debt and to request information about the original creditor. The disclosures also must continue to include a statement that indicates the communication is from a collector and is about a debt. The disclosures will help ensure that consumers are able to recognize debt they may owe and raise concerns about unfamiliar debts. A model form in plain language is provided that debt collectors may use to comply with the rule. Please note that I phoned this company on XX/XX/2022 to get information on who they are and I informed them that I had no knowledge of this debt. I also informed them that they had placed this alleged debt on my credit report without first allowing me the legal right to dispute the debt. I informed them they had not communicated with me in writing, via phone or electronically prior to placing this debt on my credit report. I also informed them they HAD NOT provided me with the following ; isclosures that contain more information than consumers currently receive when the collector first begins to communicate with the consumer to collect the debt. The disclosures must include details about the debt and consumer protections, including the right to dispute the debt and to request information about the original creditor. The disclosures also must continue to include a statement that indicates the communication is from a collector and is about a debt. The disclosures will help ensure that consumers are able to recognize debt they may owe and raise concerns about unfamiliar debts. They ignored my request to provide the information and the representative hung up on me.
10/01/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	VT 054XX	Web
On XX/XX/2021 the collection agency known as Security Credit Services began making contact with me and started reporting to credit bureaus about an alleged debt for a defaulted partially secured credit card called " XXXX XXXX ''. The original line of credit was for {$400.00} in which {$50.00} of that line of credit was secured. However, the collection agency has stated emphatically that there is an entire past due amount of {$820.00}. I believe the amount owed according to the collection agency is in bad faith or possibly fraudulent due to the fact that the collection agency is seeking over double the amount of the original line of credit to satisfy the alleged debt obligation. With this particular account I was first under the impression that this credit line had been settled for a lesser amount directly with the original creditor roughly 5 or 6 years ago. It appears I was mistaken in that however, I firmly deny that {$420.00} in additional fees on top of the original line of credit of {$400.00} is payable as I have no idea how late fees or any other kind of fees could accrue up to over 100 % of the original credit line. I do not contest that the original line of credit was {$400.00} nor do I contest that there was a {$50.00} security deposit on this credit line. I would be more than happy to come to a fair resolution with this organization regarding this alleged debt. However, every time I have tried to correspond with the debt collector I am always sent a very large packet of invoices ( some I have NEVER seen ), and the collection agency continues to assert that due to these alleged correct invoices being in existence, that I must immediately accept responsibility for {$820.00} in collection debt. I asked the consumer financial protection bureau for guidance with this issue in regards to the {$820.00} that the collection agency known as Security Credit services has demanded payment for in full while I totally disagree with the total amount they have requested for payment. I completely understand if there was some interest owed or if there was a couple of late fees- but to try to charge someone ( I presume ) 2 years of late fees and tons in interest after a credit line in association with a credit card was put in default - a long time ago as I have not received any notices from any collection agency regarding this particular line of credit for the " XXXX XXXX '', and nor have I received any invoices or notices from the original creditor for this line of credit in almost 5 years. I believe what Security Credit services is trying to demand payment for is totally unfair and unjust and relation to my financial status as a consumer and the collections agency is merely trying to use current misfortunes and misfortunes at the time that credit line closed to capitalize as much as they can on a credit line that was originally {$400.00}. Finally, the current collection company known as Security Credit services has not been able to furnish any proof that they have a person in their organization who has knowledge of the genesis of the debt. This became very apparent when XXXX XXXX had sent a request to the collection agency that currently holds this debt and requested verification through the notarization process. Thank you for your patience and the value of your time. Respectfully, XXXX XXXX XXXX
07/06/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92544	Web
XXXX XXXX an appliance in my kitchen broke down. Responding to credit emails, I went to my local XXXX store in XXXX, CA and ended up leasing a new appliance. XXXX charged my checking account and their leasing company called XXXX charged my checking account for 3 more monthly payments that totalled almost {$1000.00}. The appliance developed a vibration and a noise. XXXX came and got the appliance and the charges stopped being deducted. In XXXX my credit monitoring company notified me a negative item appeared on my XXXX reports ; a " collection '' by Security Credit Services, XXXX, Ms . The collection was for {$1300.00} for an entity called XXXX ; which apparently is another name for XXXX I disputed the item. Correspondence with SecurityCreditServices followed. They said they " verified '' the collection and YES it was mine. I repeated my diespute and asked how they verified it. No reply ; instead an electronically generated copy of a contract that also said contained a verified signature, but no signature. I disputed it again. Also pointed out Public Law 111 that concerns responsibilities of debt collectors. And then I discovered that Security Credit Services LLC was in fact not a collection company, but an accounts receivable purchaser in this case buying a bundle of misc debts in the hopes they can get alleged debtors to pay them something. It was pointed out to XXXX XXXX at Security Credit Services that the contract they bought has a provision for settling disputes through arbitration and they refuse to respond to demands they open an arbitration. They also have said iof I would give them a copy of my ID they would do some other kind of investigation. After speaking to Office XXXX of the XXXX MS Police Dept, he agreed with me that I do n't sent Security Credit Services my ID. I have discovered that Security Credit Services LLC was fined {$800000.00} for deceitful collection practices and the Federal Trade Commission in XXXX paid out probably tens of thousands of refunds in a stipulated judgement agains Security Credit Services LLC. A complaint has been also registered with the BBB of Mississippi. Included in that complaint is the observation that a more than 6 yr old address where I did live is the one that appears with my name on the electronically generated contract. Additionally in matters legal, my father 's name is XXXX with no middle initial because he had none. My name is XXXX but I have a middle name and middle initial, which legally I always have. That is what prompted me to include the potential that a fraud was committed by someone, I do n't know who. Personally, I think the fraud has been perpetrated by whomever generated the fake contract with the 6 yr old address as a means of seemingly " verifying '' their collection efforts. The requirement to VERIFY seems apparently to be not that the alleged debtor might actually owe something to someone, but rather in this case did whomever doctored up the contract not in my legal name and not with my actual address now for nearly 3 years, but is some name kinda like mine and an address that was used nearly a decade ago. Security Credit Services simply does n't want to hear the actual facts. And XXXX can assist by pulling the appliance record and having the arbitor compare this to the reality of where is that appliance? So simple.
07/20/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32073	Web
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Social Security # XXXX DOB : XX/XX/2021 I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX, FL XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX XXXX
06/16/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CT 061XX	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/1968 I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SECURITY CREDIT SERV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/03/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11367	Web
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
05/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 14606	Web
Hi my name is XXXX XXXX and I am contacting you because I am a victim of identity theft and all 3 credit bureaus are reporting information that doesn't belong to me and that is fraudulent and I would like it removed from my credit report at once because it doesn't belong to me. These following items need to be removed because they are fraudulent and do not belong to me. XXXX XXXX XX/XX/XXXX amount {$230.00} please remove this is fraudulent and does not belong to me so please remove off my credit report.Security Credit Serv Opened XX/XX/XXXX {$2700.00} this is also fraudulent and does not belong to me so please remove off my credit report. XXXX XXXX XXXX Opened XX/XX/XXXX {$540.00} Original creditor : 11 XXXX XXXX This account is also fraudulent and does not belong to me please remove it from my credit report. XXXX XXXX XXXX Opened XX/XX/XXXX {$960.00} is also fraudulent please remove this from my credit report because it does not belong to me.XXXX XXXX Opened XX/XX/XXXX {$730.00} Original creditor : 08 XXXX XXXX XXXX XXXX XXXX A this account is also fraudulent and does not belong to me please remove. Security Credit Services Opened XX/XX/XXXX This account is fraudulent and does not belong to me please remove from my credit report. {$2700.00} Original creditor : XXXX XXXX XXXX There are also 17 credit inquiries at each credit bureau which are fraudulent and I want all the inquiries listed below off my credit report at once because they do not belong to me and are fraud. I was incarcerated at the time that someone stole my identity they even filed a tax return that is fraud and I am working with police and government officials to get my identity back. Please remove all mentioned accounts in this letter as I am a victim of identity theft.Inquiry details XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + All Banks XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + Mail Order Firms XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Miscellaneous XXXX Inquiry from XX/XX/XXXX + XXXXInquiry details XXXX Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Finance XXXX Dc Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX Card Inquiry from XX/XX/XXXX + Bank These are all fraud and do not belong to me please remove them from my credit report
09/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 290XX	Web
I noticed on XX/XX/XXXX I received an alert from my credit stating an account from smart security service has reported to my credit and it was collections. I have never done business with smart security service XXXX XXXX XXXX ). To be honest I never heard of the company. I have been a victim of identity theft from cable bills put in my name, hospital bills, XXXX data breach, etc. I had to have if and ssn and all change. I now have an alert on my credit. I have no dealings with this company and want it off my credit asap or the next response will be from my lawyer. I work too hard for my credit for me to wake up and XXXX points of one credit report and XXXX off another. I was never late on nothing and have a great credit score. I have also contact the company and advised of my information and was advised we dont have an account for you. My last complaint as you can see the company is stating they dont have an account for me and can not speak to anyone but the primary I AM THE PRIMARY that you guys are reporting on. My information from credit reporting has the sameee name which is my legal name. If you are saying you I have no account per my legal name HOW ARE YOU REPORTING TO MY CREDIT THE SAME LEGAL NAME. The credit bureau can only report names based on verification which means they have already verified based off my ID THAT THIS NAME IS CORRECT so how is it when disputing because the company saying my name has no account in their office but yet respond to dispute as verified. I am trying to give the company an opportunity to fix it but I have an attorney thats waiting to eat this company alive. He is begging for this case because its wrong and defamation of character and affecting my credit to FASELY report false information to my credit. We already have proof that the company said I dont have an account with them well how are you reporting? I called and was sent a packet of someone else information which is alert # 2. I was told to go to website but the option is not listed for fraud. I want the record to reflect this company is Fraud! Reporting illegal information on people credit report. If you pull the account number it has an name attached that is different from mines who is reporting the account that you are saying is not mines. Secondly the EXACT acct number I disputed with the credit bureau with the same different name that the credit bureau verified is me that you guys are reporting to and you are saying is my account FRAUD!! You have no account in your system with my name as you stated the account number provided has a different name REMOVE FROM MY CREDIT IMMEDIATELY! The name attached has no account with your office!! The account number attached name listed in your system and credit bureau is DIFFERENTREMOVE FROM MY CREDIT!! Remove this account its FRAUD! I have never DONE BUSINESS WITH YOU GUYS AND NEVER DONE BUSINESS!! Remove from my credit or I will sue for pain and suffering, my character, loss wages for seeing my attorney, court fees and etc!! Remove this account immediately because in your system it is attached to another persons demographics but with the credit bureau its attached to me the WRONG PERSON INFORMATION!
08/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 216XX	Web
In accordance with the Fair Credit Reporting Act, this company has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer-reporting agency can not furnish an account without my written instructions. I have not validated any alleged debt with Security Credit Services , LLC located in XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a contract, giving Security Credit Services , LLC any right to collect on this alleged debt. I have never received any documentation requesting validation from Security Credit Services LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Security Credit Services , LLC, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. Therefore, I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Security Credit Services , LLC, can provide me with sufficient documentary evidence pursuant to 15 USC 44 that I have any legal obligation to pay them. If this documentary evidence can not be produced and Security Credit Services , LLC continues its collection efforts, I will file for litigation for actual damages caused and Security Credit Services , LLC, will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, defamation, negligent enablement of identity theft and Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) I will be seeking a minimum of {$5000.00} in damages. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. In addition I demand this company CEASE and DESIST from disclosing my nonpublic personal information to all nonaffiliated third parties, which includes, XXXX, XXXX and XXXX. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, XXXX XXXX
01/12/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08330	Web
I received an alert from my credit report on XX/XX/XXXX that two accounts amounting in {$860.00} and {$19000.00} were sent to collections. I was then informed that the collections balance opened on XX/XX/XXXX and have received no notice from the collection agency that this debt was open or valid. As is stated in the fair debt collection practices act we as a consumer as supposed to be informed of this debt so that we can dispute within a 30 day window which has not happened in this case. After calling Security Credit Services ( which took multiple voicemails and several calls over the period of 2 hours ) I finally received a letter showing what is consider the debt. It states the original creditor is XXXX which I have never heard of and certainly there is no documentation showing I signed for this much debt with them. I called XXXX immediately and was told that they sold all their debt due to a liquidation and could not provide me any information on any debt or loans in my name. Per the letter received the account opened XX/XX/XXXX and was charged off as a credit loss on XX/XX/XXXX. The account from XXXX was no longer in existence until this company, Security Credit Services state they purchased the account on XX/XX/XXXX. On their letter they are stating that they have 7 years from the date the account is charged to profit or loss which was XX/XX/XXXX. There is no correspondence on this debt on my end, I have no knowledge of this amount between the dates of XX/XX/XXXX until todays date of XX/XX/XXXX. In ten years I have never received notice of this debt the original company XXXX never contacted me or sent any letter stating that I had a debt to pay off. The only notice I have is that I now have to pay a collection agency who can not prove the debt themselves. XXXX contact information is XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; phone number XXXX ; email XXXX. I was informed the collection is from XX/XX/XXXX and considered a credit loss as of XX/XX/XXXX, if this follows what is considered statue of limitations in Pennsylvania it is no longer owed even if the debt is valid. Four years would be XX/XX/XXXX and we are well past that debt. If you count it from the original date of XX/XX/XXXX we are coming up on 10 years past the original date of debt. After reaching out to the collection agency they informed me that legally they do not need to prove the debt to me or any notice of a judgement as my demands are excessive. I would like this company to be looked into because I can't imagine any of this being legally considering how old the debt is even if it is owed. They can not tell me the original debtor, they have no information and they did not inform within the 30 day window in order to dispute the charges. My address and phone number are public and there is no reason I should have been left in the dark in regards to such a high collections balance. If this account is truly our responsibility it has been handled incredibly poorly and should not be sitting in collections as there was no notification of the debt or any ways to pay in the first place.
12/27/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92081	Web
Dear XXXX Representative, The reason for this Fax is to bring to your attention a Fraudulent Account on my credit report originating from XXXX XXXX and Security Credit Services ( SCS ). XXXX and SCS added a collections account to my credit report on XXXX/XXXX/XXXX from a fraudulent account originating at XXXX, a furniture leasing company and XXXX XXXX XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. When I called XXXX they could not find any accounts under my name XXXX XXXX associated with my social security # ending in XXXX. They did have an account under a the last name XXXX with my social security #. I told them that this was not my last name, but they insisted it was me and they said I purchased a 5 piece furniture set in the State of FL on XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXXt on XXXX XXXX, XXXX. I asked them for the stores number and they gave me XXXX. I called and it says voice mail not setup. I looked up the number online and it said the store was closed. XXXX : XXXX I than received a call from XXXX, XXXX at XXXXXXXX XXXX XXXX XXXX who said he bought the XXXX XXXX XXXX XXXX XXXX number at least 2 yrs ago. XXXX said XXXX XXXX XXXX XXXX XXXX had closed down over 4 years ago. I called XXXX back and asked how a new account could be opened on XXXX XXXX XXXX if the furniture store closed down 4 years ago. I also asked XXXX how I could have purchased furniture in the State of Florida on XXXX XXXX, XXXX when I live in XXXX XXXX, CA. They proceeded to tell me they could not help me because this account was sent to collections at Security Credit Services ( SCS ) and I should call SCS. I than called Security Credit Services ( SCS ) and proceeded to tell them the same story and they insisted this was my account and said I took delivery of the furniture and I owed them {$3100.00}. I asked them what the delivery address was and she said the furniture was delivered to XXXX XXXX XXXX. I asked her to repeat the address two more times and she stated all three times XXXX XXXX XXXX. I told the SCS customer service person this was not my address and she started to get very upset. I told SCS this was Identity Theft and this was a fraudulent account because the new account started on XXXX was under a false name, XXXX XXXX, at a store thats been closed for 4 yrs and with a false delivery address. SCS said I needed to send them a police report and Affidavit of Forgery and my drivers license to dispute the account and then hung up on me when I tried to ask more questions. I called the XXXX Sherriff department and Deputy XXXX came and took my statement and issued me a police report stating that Im a victim of Identify Theft Penal code 530.5 ( A ) which is unauthorized use of another person 's personal identifying information. Im asking XXXX to remove this fraudulent collections account from my XXXX, XXXX and XXXX credit reports because Im a victim of Identity Theft. XXXXm including the Police report which is 2 pages and the Notarized Affidavit of Forgery which is also 2 pages with this 2 page cover sheet and my Drivers License and Passport Card. Sincerely, XXXX XXXX XXXX
11/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CT 067XX	Web
I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SECURITY CREDIT SERVICE account with a balance of {$310.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and XXXX XXXX XXXX saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX XXXX of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
07/22/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77407	Web
On XXXX XXXX I received a credit monitoring report indicating that I had a collection item added to my report. I immediately checked my report and noticed XXXX had a collection account on my credit report from Security Credit Services. I immediately contacted this place as I pay all of my bills and have no clue as to who this business is. The said they have an account with my name from a place called XXXX XXXX XXXX. I explained that I had never done business with a place called XXXX XXXX XXXX and have never heard of this place. I called XXXX XXXX XXXX and asked who they were and what has been placed in my name. I was told an XXXX XXXX was purchased and that no payments had been made. I explained that I am not the originator/owner of this transaction and that the account is not mine. I let them know clearly this was fraud. I disputed the fraudulent item with XXXX. I then called the police to file a report. I filled out a Federal Trade Commission Identity Theft Report, I got an affidavit of forgery and a 605B form. I sent this information plus my state issued ID to CFPB and XXXX, after the XXXX dispute ( I wanted to be thorough in my dispute ). XXXX responded and has since removed the item. Soon after, I received actual mail from Security Credit Services which lets me know that XXXX shared the information I submitted with them since that was my first time ever having correspondence from Security Credit Services. The letter demanded the same information I shared with XXXX and CFPB ( ID, affidavit of forgery, ID theft report. They also sent a copy of the fraudulent contract with a debit card number and an email address that clearly are not mine. I am curious as to why they do not have an ID or address on file for the person that fraudulently used the last 4 of my SSN. They had a debit card on file ending in XXXX on file which made a payment on XX/XX/2020, and there after has failed charges. This is not my card. They also have an email address on file that is not mine. This company has received the necessary documents from XXXX, so I am taken back at the fact that they had the audacity to use the information from XXXX to contact me knowing that this account is fraudulent. Again, this account is not mine. XXXX has provided my documentation ( ID, Police Report, Affidavit of Forgery, FTC Identify theft report, 605B, Identity Theft letter and cover letter ) to Security Credit Services and XXXX has since removed the item from my report. Security Credit Services has no need to contact me as they were given the information from XXXX proving this account is fraud and ID theft. It is unclear as to why they would use the same information I gave to XXXX in order to make contact me and request for the same documentation.
10/06/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23227	Web	Older American
I received a certified letter from Jormandy , LLC dated XX/XX/2023 stating that they were collecting a debt for {$1000.00} for a cell phone lease purchase from XXXX XXXX that was made in my previous name, XXXX XXXX. I have never heard of this business and did not make this purchase or authorize it. Previously I have notified that my personal data was collected in several data breaches, including XXXX. I responded to Jormandy , LLC that I was a victim of identity theft and was not responsible for this debt, informed Jormandy , LLC that I was disputing the debt, and requested the name and address of the original creditor. I received a letter dated XX/XX/2023 and copy of a lease agreement for a cell phone lease purchase made in my name from XXXX XXXX, XXXX. The person who made the purchase gave my name, the last four digits of my social security number, and an email address with my former name as part of it. This is not an email address I created, used, or was aware existed. On XX/XX/2023 I sent a letter to Jormandy , LLC certified mail. They signed for the letter on XX/XX/2023. Included with the letter was proof of my identity in the form of a copy of my Virginia drivers license along with a copy of an FTC Identity Theft Report I had filed about the identity theft and unauthorized lease purchase. At that time I requested proof that I owed the debt in the form of an application, account statements and/or invoices, records of payments and charge slips, delivery addresses associted with the account, records of phone numbers used to activate or access the account, and an investigator 's report. To date Jormandy , LLC has not provided this information. On XX/XX/202 Jormandy , LLC sent a letter stating they had never received the copy of my drivers license or police report. They signed that they received a copy of my drivers license and FTC report on XX/XX/XXXX. On XX/XX/2023 I sent another certified letter, which they signed for on XX/XX/XXXX, and included a copy of the receipt they signed when they received the package with information on XX/XX/XXXX, along with a copy of my previous letter and reiterated that this was a case of identity theft, I did not owe the money, and requested they stop all collections activity. Next communication was a letter from Jormandy , LLC dated XX/XX/2023 stated that they are attempting to collect the debt. I feel I've exhausted what I can do. Jormandy , LLC can not provide proof as I did not make this purchase as I did not make it. There was no credit check made that I can find, and I believe they will keep harassing me to try to make me pay so they leave me alone. I do not owe this debt and will not pay it. I do not want this to affect my credit.
12/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 32828	Web
Re : Account Name : Security Credit Services Account : # XXXX Type Account : Alleged Collection I have previously disputed the above referenced account on [ XX/XX/2023 ]. This item was deleted from the credit file on the subsequent credit report of [ XX/XX/2023 ] - [ XX/XX/2023 ] based on my credit report alerts from XXXX XXXX. ( SEE ATTACHMENT ). However, now these items have reappeared on my credit report without the collection agency following the legal reinsertion process as outlined in FCRA. In accordance with the requirements of the FCRA, I am hereby requesting SECURITY CREDIT SERVICES to complete complete compliance with any and all of the provisions listed below and permanently remove this item. FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report within the next 5 days, if you would like to avoid me moving forward with my said rights. Once complete, mail me an updated copy of my credit report showing this item has been deleted. Sincerely, XXXX XXXX
01/01/2020	No	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA XXXXX	Web	Servicemember
Security Credit Services is trying to claim a debt for products I did not receive from XXXX XXXX I set up my XXXX account a few months before Christmas ; but I did not order anything at that moment. I relocated to a new home and I decided to order some Christmas items, before shipping it out. I called them to update my shipping address, but my billing address ( old address ) was the same on my credit cards. when the items were shipped, they gave me a XXXX tracking number. I didn't not know this, but they sent the items to the old address. once the tracking online said delivered, I didn't receive the packages. I called XXXX, they were no help and said to call the shipper. I called XXXX and That's when they told me they shipped it to the wrong address. I asked why, since I called to change it before I ordered anything. She didn't have an answer either. so I went by the old place ( someone else is living there ) and asked the new tenants if they saw or signed for my packages and they said they didn't have them. I set up a missing package case with XXXX and they performed an " investigation '', which was a waste of time. They came back with an internal review and stated they were not at fault and closed the case someone either stole the packages or the tenants at the old place had the merchandise I called XXXX back and told them everything that transpired and they said they'd be in touch. months went by and I noticed that SECURITY CREDIT SERVICES place a collections on my credit report. I HAVE NOT RECEIVED a dunning letter or anything. first it was the calls from disrespectful collectors but no letter in writing telling me they were gon na add anything to my credit report. According to the FDCPA Act, I have 30 days from the date of written notice to deny their claim, but I didn't get that opportunity. when I disputed with them directly in XXXX & XXXX, all they sent me was some papers without any type of signature or proof I owed this debt. I asked for : ( 1 ) Contact with my name on it. ( 2 ). Full accounting of this account. ( 3 ). Proof that you have the right to collect money from me. ( 4 ). Proof that you have the right to collect in my state. ( 5 ). Proof they own the debt They have not provided me anything.. Instead they are shopping around this debt with other collections companies. XXXX ( another collection company ) is calling me now, about a debt that Security Credit claims they already own. HOW CAN TWO COMPANIES CLAIM & COLLECT ON THE SAME DEBT? all of this sound like violations. I will be filling with the FTC, AG office, and the XXXX next.
02/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MO 637XX	Web	Servicemember
I purchased a vehicle in XX/XX/XXXX from a car lot and less than a year later my loan was sold without my knowledge to another company. I have never signed papers with this company and had no knowledge of the sale until they called me saying I was delinquent. I also had never had the title to the vehicle in question as the original car lot requested that it be sent back to them. So I requested an address and payment information as well as the title from the new company and started making payments. I never did receive the title. Later in XX/XX/XXXX the vehicle in question was stolen. I filed a police report and called XXXX XXXX XXXX to inform them. I also advised them that I would continue working with police to find the vehicle but after it was located I would be doing a voluntary repossession to give them the vehicle back. The vehicle was found in XX/XX/XXXX and I was notified. I retrieved my belongings from the vehicle and called XXXX XXXX XXXX to retrieve their vehicle. I was then called two days later from the tow company that the car was indeed retrieved by XXXX XXXX XXXX. Almost two years later XXXX XXXX XXXX reported the vehicle to collections in the amount of {$5500.00}. I fought this account as non accurate and it was removed from my credit. On XX/XX/XXXX another collection named Security Credit Services showed up on my report for the same vehicle. I contacted the collection agency denying the debt and asked for all information about the original collector. All the collection agency would tell me was that it was from XXXX XXXX XXXX and it was over the Cobalt in question. Not only is it on the same vehicle that I do not have possession of, and haven't for many years, but the collection agency has 're aged ' the debt to reflect original debt from XX/XX/XXXX. This is inaccurate and I believe this is in violation of the Fair Credit Reporting Act. I ask that this account be immediately purged from my credit as well as the collection agency flagged. Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct number : XXXX XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I have also forwarded a copy of the police report to the collection agency as proof that the information is incorrect as well as the case number for the criminal that pled guilty to the theft, was convicted, and is now in DOC for said theft. I have not been able to get into contact with the original debtor due to no listing for their business anymore. I have not found an address, phone number, email, fax, nor a matching name while trying to get into contact with XXXX XXXX XXXX.
06/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	TX 77055	Web
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX main XXXX fax XX/XX/2018 VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX : Security Credit Services , LLC Assignee of XXXX XXXX XXXX ( XXXX XXXX ) v. XXXX XXXX ; Case No. XXXX ; XXXX County Justice of Peace Precinct No. XXXX Dear Sirs : I represent XXXX XXXX. We have become aware that XXXX XXXX filed the above- referenced lawsuit on behalf of Security Credit Services , LLC . Although XXXX XXXX has not been served ( he has moved from the address you apparently have ), he is aware of this case. Please be advised that the debt that is the subject of this case is not XXXX XXXX ' debt. XXXX XXXX never purchased jewelry or incurred credit with XXXX XXXX XXXX or XXXX XXXX. He does not live in XXXX, never shopped at XXXX XXXX and never authorized the use of his credit at XXXX XXXX. In fact, a couple of years ago, XXXX XXXX received a telephone call from XXXX XXXX about this debt and explained to them that they had a wrong person and that apparently XXXX XXXX had been the subject of identity theft. Accordingly, we demand that you immediately file a Motion to Dismiss the case with prejudice, immediately remove all negative activity with all credit reporting agencies and cease any further collection efforts. If XXXX XXXX is forced to defend this lawsuit, he will seek recovery of all expenses, including legal fees, expenses incurred in connection with repairing his credit and all other damages to which he may be entitled due to your erroneous reporting to the credit agencies and the filing of this lawsuit. XXXX XXXX will also report this action to the Federal Trade Commission and the Consumer Financial Protection Bureau. Please forward file-stamped copy of the Motion to Dismiss and evidence of corrected reporting to the credit agencies to this office within ten days of the date of this letter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/2018 Page 2 Thank you for your prompt attention to this matter. Sincerely, cc : XXXX XXXX XXXX XXXX XXXX The jewelry store received the certified letter and to this date has still not dismissed this case. I have been contacted by XXXX at XXXX XXXX who for additional fees will get this case dismissed. She is aware of this mom and pop jewelry store because other clients had their credit violated even though like me had our credit blocked from all three credit agencies. XXXX XXXX new address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
08/07/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90292	Web
Dear Sir or Madam of the Consumer Financial Protection Bureau, I am writing to request assistancewith Security Credit Services ( a collection agency ) and their continued willful non-compliance and willful disregard of federal debt collection laws. In addition, Security Credit Services ( a collection agency ) is collecting on an alleged debt which is the result of identity theft. Security Credit Services ( a collection agency ) which is acting on behalf-of, or as a buyer of, debt from the original creditor of XXXX XXXX, has been provided written notice and original copies of FTC identity theft reports highlighting these accounts as fraudulent. The original creditor of these alleged debts resulting from identity theft, has been provided with FTC compliant identity theft documentation which includes police reports and detailed personal information. As a result of Security Credit Services ' willful disregard of the identity theft, my credit standing and credit reporting has and continues to suffer from the dissemination of false credit information. Security Credit Services is in violation of the following as it pertains to the collection of debt which is the result of identity theft : DATE : XXXX XXXX, 2017 reported debt of {$1300.00} XXXX XXXX, 2017 reporteddebt of {$1000.00} FCRA VIOLATIONS : Violation of and Failure to comply with FCRA 615 ( f ) Violation of and Failure to comply with FCRA 615 ( g ) Violation of/Failure to comply with ending collection on a debt that did not substantiate Violation of and Failure to provide debt verification Violation of and Failure to comply with FCRA Section 623 ( a ) ( 1 ) ( C ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) ( B ) Violation of and Failure to comply with FCRA 623 ( a ) ( 3 ) Violation of and Failure to comply with FCRA 623 ( a ) ( 2 ) As a result of these violations, and in accordance with FCRA, Security Credit Services is liable to me in an amount specified by the FCRA. It is my hope that Security Credit Services understands the severity of its actions and the damage it has caused. Failure to comply with the FCRA, may be result in being sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621. It is my intention to resolve this issue with Security Credit Services through the services of the Consumer Financial Protection Bureau.
05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34759	Web
I am writing to dispute a account fraudulently opened in my name. I am a victim of identity theft and did not open this account # XXXX with Security Credit Services. I am not responsible for any payments for this account XXXX. I have no business with Security Credit Services. Security Credit Services is " third-party debt collector ''. I do not have a loan or contract with Security Credit Services or owe a debt to Security. Security Credit Services is attempting to collect a debt on the basis of fraud. Security Credit Services decided to ignore my demands for Validation with Notice and Demand to Cease and Desist Over the past several months, I have tried to resolve this issue on XX/XX/2021 letter to CEO but to no avail, refusal. Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signed invoice! ) XXXX copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Im challenging this account with Security Credit Services of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I request that you immediately CEASE and DESIST all actions with me. Under the Fair Debt Collection Practices Act Section 805 ( C ), it is my right to request that you cease contact with me. I am exercising my right to do so with this letter. I request that you immediately CEASE and DESIST all actions with me. With this notice, under the law, you can now only contact me to : To advise me that your company 's further efforts are being terminated ; To notify me that your company may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or Where applicable, to notify me that your company intends to invoke a specified remedy.unjust enrichment, fraud on the homeowners and consumer. Security Credit Services actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering.I will also file a complaint with the Attorney General. I will further pursue all of my legal remedy without further notice to Security Credit Services. I have attempted to resolve this matter formally before filing a complaint and lawsuit!
06/19/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33312	Web
Initiated a dispute with XXXX, via confirmation # XXXX, regarding a fraudulent item appearing on credit report as a victim of identity theft 42 U.S.C. 408a ( 8 ), florida statute 817.568, of an unrecognized claimant referred to as Security Credit Services of a 15 U.S. Code 1692e counterfeit security of an account number XXXX for an defective claim to an alleged amount of {$130.00}. Made efforts to obtain information from both XX/XX/XXXX and, Date : XX/XX/XXXX, XX/XX/XXXX claimant XXXX XXXX and XXXX credit reporting agency to validate alleged debt. XXXX XXXX XXXX refused to provide any information other than an old copy of an application they might of retrieved by hacking into a XXXX XXXX XXXX computer system, without any mention to how they had acquired my personal identifying information without my consent, nor any proof of their right, or how they acquired such right, under penalty and perjury, 15 USC 1692j, to use my name and identifying information, intellectual property, 15 U.S. Code 1125, to collect anything from me. I disputed the item several times with XXXX per 15 U.S. Code 1681g- 609 - a1 ( A ) who never provided me my right to full disclosure of the file to include any agreement between me and Security XXXX XXXX to validate the alleged obligation and XXXX has refused to comply to remove or block the item that is injurious to my ability obtain credit. Since then Ive been denied credit cards and a mortgage. XXXX has conspired with XXXX XXXX XXXX 18 U.S.C. 241 and 242 to deprive me of my right as a natural person/consumer to ( credit ) defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. The credit discrimination received as a result of character assassination is further a restraint of trade caused by both parties is a breach of trust per 15 U.S.C 1 and an injury to me as an original creditor. I have also provided Equifax with an FTC identity theft report against the claimant and it was, 15 U.S. Code 1681c2, ignored per confirmation # XXXX without full disclosure. Neither party will comply with FCRA. This is emotionally distressing that neither will cooperate to provide accurate and complete information 15 U.S. Code 1681e ( b ). 15 U.S. Code 1681i As I have disputed the completeness ( lacking proof of claim for use my valuable personal data or contractual agreement between me and claimant ) Both XXXX and XXXX XXXX XXXX has mismanaged my personal data and continues to injure me without remedy.
06/22/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
HI Security Credit Services ; Im confused and XXXX and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
11/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 360XX	Web
In accordance with the Fair Credit Reporting Act the list of accounts below have violated my federal protector consumer rights to privacy and confidentiality under 15 U.S.C. 1681, Section 604A Section 2. I have not provided my written consent to either consumer, nor have I permitted XXXX XXXX XXXX XXXX permission to place the below items on their credit reporting platforms. The information is inconsistently reported throughout my credit report which I have highlighted the inaacuracies and want them DELETED off my credit report. Because of the inaccurate information I have been denied credit to purchase a home for me and my family, a car, new credit cards, and any such credit I choose. List of Negative Accounts/ Inquiries listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Security Credit Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As you can see 15 U.S.C 1681 Section 602A states I have a right to privacy. 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Three Bureau Credit Report Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ***SECURITY FREEZE : THE FOLLOWING CREDIT BUREAUS REPORT THAT YOU HAVE PLACED A SECURITY FREEZE OR LOCK ON THIS FILE. HOWEVER, THE FILE HAS BEEN DELIVERED TO YOU UNDER THE APPLICABLE EXEMPTION PROVISIONS ( PROVIDING A CONSUMER WITH A COPY OF HIS OR HER CREDIT REPORT UPON THE CONSUMER 'S REQUEST ) : XXXX Customer Statement XXXX : THE INFORMATION WITHIN MY CREDIT REPORT HAS NOT BEEN VERIFIED OR HAS NOT BEEN PERMITTED OR VERIFIED B Y ME, NOR HAVE A SIGNATURE TO BE PLACED ON YOUR CREDIT PLATFORM. PLEASE REMOVE FROM MY CREDIT REPORT WITHIN 30 CALENDAR DAYS. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR S SN. VERIFY ALL IDENTIFYING INFORMATION. XXXX : - XXXX : I DID NOT AUTHORIZE THIS INQUIRY
10/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
07/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33428	Web
Todays date:XXXX XXXX, XXXX XXXX XXXX. SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SECURITY CREDIT SERVIC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX
08/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31326	Web	Servicemember
In XXXX of XXXX I pulled my credit report and discovered accounts that I never opened. I immediately reported this to the FTC, my local police department, and placed fraud alerts with major credit bureaus. XXXX was one of the accounts listed that was obtained fraudulently. I immediately contacted XXXX via phone and they were resistant to listen. I followed their instructions and sent them a copy of the identity theft affidavit, FTC Identity Theft report, the local Police Department report and asked them to remove this information from my credit report. I never received a response however the account was placed in closed status on my credit report and then I began receiving calls from a debt collector they turned it over to after being notified that this account was opened fraudulently and I was a victim of Identity Theft. I also sent the info to the debt collector and they stopped collection attempts. A year later the information is still on my credit reports and I have again sent a request to XXXX by certified mail in XX/XX/XXXX requesting the information be removed and included all police reports and supporting documentation. I also sent the information to each credit bureau. XXXX again did not respond to me and confirmed the information as accurate with no changes to the credit bureau. A few days later a new debt collector began calling me in reference to this account. I explained to them that it was illegal for them to began collection attempts after being notified that this debt is from identity theft. They told me that the account was just turned over to them for collection and recovery by XXXX a few days ago. They even made a statement that XXXX was doing unfair and unlawful business practices by making them attempt to collect and not telling them I was a victim of identity theft. These business practices are completely unacceptable and it is unfair for a true victim to have to suffer for so long with incorrect information being reported on their credit report by a company that refuses to acknowledge true documentation they have received several times to do the right thing and follow the law. I want this account removed from my credit reports immediately as I feel I have suffered long enough despite my efforts to follow your policies and the law.
06/25/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60914	Web
A soft credit report was done by XXXX XXXX Credit Cards on XX/XX/2018. I have never done business with this company. On XX/XX/2018 a voicemail was left on my phone from XXXX XXXX XXXX. Before and after XX/XX/2018, my parent 's phone was contacted once a day for months. I have phone records. I contacted XXXX XXXX XXXX and asked them to verify whatever the debt was. In that letter, I also gave my address and contact details. I asked them to only contact me by mail and stop any phone calls or robocalls. They did not! They had my contact details and continued to contact my parent 's phone after I gave them my contact. Their phone number is not on the XXXX soft credit pull they did I notified XXXX XXXX Services, I am going by their soft credit pull as I wouldn't have known about it if I didn't have credit monitoring, ( before 30 days and I have Certified Mail receipts - they received my letter on XX/XX/2018 ) that I disputed the debt and after asking XXXX XXXX XXXX to validate a debt they did not respond in 30 days. I eventually found the original letter from XXXX luckily I disputed within 30 days and have my rights per FDCPA. XXXX did continue to collect without contacting me. I then sent them a letter to cease and desist. They continued to call my parents number, XXXX, after they had my contact info - this is harassment - and they still continue to call my phone!!!! XXXX is working with another company, Security Credit Services. Security never contacted me after I asked XXXX to validate within 30 days. Neither company validated or contacted me per FDCPA. Security Credit Services has put derogatory marks on all three of my credit reports even after and XXXX failed to validate. After Security hit all of my credit reports I asked them to validate. I got no response. This is reporting illegally. I did dispute the debt with XXXX before 30 days. I misplaced the first contact letter they sent me. I still validated in the time prescribed per FDCPA and received no answer. I will include that letter and I will also include the letters I sent XXXX XXXX XXXX and Security Credit Services. I have also sent this to the Illinois Attorney General 's Office, XXXX XXXX.
10/13/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CO 80011	Web
This letter is in response to your recent claim, in which you claim I owe {$9100.00}. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. *** Also Note - I was not properly served.
03/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48162	Web
I received a notification from my XXXX XXXX account that my credit score had decreased XXXX points. Upon checking I saw that a collection/charge off from Security Credit Services . In the amount of {$1600.00}. Had been reported to XXXX on XX/XX/XXXX. It says the original lender was XXXX XXXX XXXX XXXX. The age of the account is 3 months, the credit limit was the highest available amount. I HAD NEVER HEARD OF THIS Company until I had seen it on this Report. I never opened this account. I do not know what this is for. I opened a Dispute claim with XXXX. On the next day I called Security Credit Services. I left a message. I still have not heard from them. When I opened my mail later this day I got a notice from another collection agency, XXXX XXXX XXXX. I called the number on the letter. They did not want to resolve the issue all they wanted was for me to pay the money. They said the account was opened on XX/XX/XXXX, an installment loan. The operator said it was for an XXXX XXXX XXXX, XXXX headphones and couple of other things. She said I could dispute the account at info@securitycreditservicesllc.com. She also said she would have another department call me back to handle the dispute. No call back yet! Next, I called XXXX XXXX XXXX, spoke to a man named XXXX XXXX, he was very apologetic and said that he was sorry for my experience. He said that they have had problems with this happening lately. He told me that I needed to file a police report and then send it to XXXX. I called the local sheriff dept and filed a police report. The deputy told me that I also needed to file a complaint on the FTC website. Which I did. We have also reported XXXX XXXX XXXX and Security Credit Services to the XXXX XXXX XXXX. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX XXXX for this account as well. I called them and spoke to XXXX who said she was a Supervisor. They had my Date of Birth and the last 4 of my Social Security number. She told me to dispute this account by sending an Email to info@securitycreditservicesllc.com. Which I did. XXXX XXXX requested that I open a Police report which I did on XX/XX/XXXX.
01/09/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 809XX	Web
Checked my credit in XX/XX/XXXX and noticed an item in collections on my report that has n't been there. It is for {$500.00} and from company called Security Credit Services. I called them and asked what it was and they said from a company called " XXXX XXXX '', I told them I did not know who XXXX is and needed something mailed to me with my signature on it showing it was mine. They replied that they could only send me a letter but it WOULD NOT have my signature on it. I told them no, I needed something proving I owe this amount because I am working really hard to get my credit right, they told me they did not have anything. I called XXXX and XXXX in XX/XX/XXXX, XXXX and XXXX of XX/XX/XXXX and asked them both to send me whatever this company sent them to get it on my report. The first time I called the lady told me they could n't send me anything and the second time I called the man said he would send it and I have n't received anything. When I looked on my report it said " dispute closed '', so I called XXXX and XXXX again in XX/XX/XXXXand they just said it has been closed with no explanation. I called Security Credit Services on XX/XX/XXXX( today ) and they again told me they did n't have anything with my signature on it and they got the information from " XXXX XXXX '' ( man was rude ), so I asked him to mail me what XXXX gave them and he again said he did n't have anything and he said " your not going to get it, I do n't have that ''. The number on my credit report for Security Credit Services is XXXX and they told me it was n't even them, then they told me XXXX XXXX put it on my report but it says Security Credit Services. No one can provide me with anything with my signature on it. I do n't know how XXXX or XXXX ( and I 'm sure its on my XXXX credit report too ) can just add things on my report without any proof. They need to send me something with my signature on an agreement that I owe this amount or they need to take it off my report. Those involved are : Security Credit Services XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is the contact information I have
07/07/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77632	Web
submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. XXXX - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXamount stated owed- {$670.00} XXXX XXXX XXXX I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/MC # XXXX Paid in full and acct closed by me XX/XX/XXXX. XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GAXXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. Security Credit Services - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX Security Credit services are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
03/27/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85737	Web
I am writing to dispute an inquiry and debt that were placed on my credit report which are at best inaccurate or worst, fraudulent. Security Credit Services , LLC placed an inquiry and debt collection account on my credit report without my knowledge or any attempt to contact me about an outstanding debt. Instead, I had to contact Security Credit Service in XX/XX/XXXX once the changes were made to my credit report to inquire why a new debt was being reported. In the course of gathering information I have received documents addressed to another individual not associated in any way with me, contradictory balances of the alleged debt and incomplete information regarding the ownership of the alleged debt. Furthermore, outdated or incorrect mail and email addresses have been used repeatedly to communicate despite Security Credit Services and XXXX XXXX XXXX, XXXX having my updated contact information from their credit report inquiry and being provided with accurate email addresses. Each time I told XXXX XXXX XXXX, XXXX that I never received the documentation in question they were unprofessional and rude until they finally would forward the documentation to the correct email addresses and I could prove that they were originally using incorrect address and emails. I have been trying to resolve this issue since XX/XX/XXXX but still can not get complete, accurate information from Security Credit Services and XXXX XXXX XXXX, XXXX. Attached are the original loan document that was charged off by XXXX/XXXX in XX/XX/XXXX, emails between myself and XXXX XXXX XXXX, XXXX, incomplete chain of ownership that does not show any identifying loan information to prove it applies to the original loan or XXXX, incomplete payment history showing a different amount due and a settlement agreement with a different amount due addressed to another person with my address from years ago. I have tried to work directly with Security Credit Services but they always redirect me to XXXX XXXX XXXX, XXXX so I have mailed a formal request for validation of debt to both Security Credit Services and XXXX XXXX XXXX, XXXX.
04/12/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
To Whom It May Concern ; XXXX writing to follow up on your response to my complaint to Consumer Financial Protection Bureau about an account listed on my credit report. Acct # XXXX. According to the Fair Credit Reporting Act ( FCRA ) you have to give me 30 days to request validation, referred to as the dunning period. In the document, you sent CFPB states you never received any of my letters. Since FDCPA only recognizes disputes in writing, I received my free credit report fromwww.annualcreditreport.com. This website is creditable and verifiable by Federal law. Are you insinuating that this website is not accurate? Ive attached a copy XXXXthat shows the letter I sent is the same address listed. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. The documentation you provided does NOT have my handwritten signature. It appears there is an electronic name typed on the signature line. You stated that the attached document contains a handwritten signature which is untrue. Are you asking that I pay a debt that somebody else is or was required to pay? Since I did not sign this loan agreement you're seeking to collect an alleged debt on I have NEVER agreed to share my information with any third party. ( page 13 out of 21 section authorization to communicate with a third person Does Not apply to me ). According to Fair Credit Reporting Act ( FCRA ), everything on my credit report must be accurate, verifiable, and reporting timely if not, that information must be removed or corrected from/on my credit report. You can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have no account with you, nor am I your customer, nor have I entered into a contract with you. Therefore, Im requesting this account be removed and deleted from my credit report immediately.
01/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30045	Web
To Whom It May Concern : This letter is regarding account, which you claim I owe {$2300.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
08/02/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 52806	Web
I spoke to security credit services today XXXX at XXXX central time about a damaging fraudulent negative collection account from them on my credit report. They have this marked as a brand new account from XXXX XXXX which is a lie, the ( orginal account ) is over 7 years old which is thru whynotleasing. They purchased the collection account actually from XXXX XXXX which in XX/XX/XXXX XXXX XXXX called me and harassed me about the account stating i failed to pay XXXXXXXX XXXX and they want payment i informed XXXX XXXX that there was a payment agreement that was set up thru XXXXXXXX XXXX to pay XXXX a month until account was paid off they agreed to that amount back in XXXX because of child support. XXXX XXXX refused to take payment on this account on XX/XX/XXXX never heard nothing back from XXXXXXXX XXXX Fast forward to XXXX when i called security credit services as i had just checked my credit because ingot a alert of a new collection account at the number XXXX. I informed the gentelman on the phone who said the call was being recorded about the issues on my credit report that they failed to send a letter 30 days prior to making a negtive collection account mark on my credit report and if this is their practice that they do not follow the national fair credit debt collection act, his response is they follow the fair credit debt collection act ( sometimes ). I also i formed them that the account is over 7 years old and they couldnt collect on the account. I also informed them that they had also caused me not to get a loan thru XXXX XXXX XXXX XXXX which i have the letter of denial due to the collection account which is the only collection on my credit report. Which i will provide proof of the denial of credit letter upon request. I would like this matter looked into and also would like security credit services to provide me montary money damages to be agreed upon at the time of closure of this file. I have also gave them a verbal cease and desist on this matter as well. And to repair my credit and take the collection off
12/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34785	Web	Servicemember
On XX/XX/2018 when i pulled my credit reports, i noticed a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. reporting an amount : { {$750.00} } owed. I do not recall this company. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. Security Credit Services never sent a letter to me allowing me to dispute the debt in question. In addition, this account was placed on my credit reports past the statue of limitations, per information on my credit reports. I have disputed this account with the collections bureau only to have it on my credit report as verified.On XX/XX/2018, I sent a debt validation request to security credit services. I requested security credit services to provide me with information regarding how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc. I did not receive any response. The account was then marked as verified with all three credit bureaus. I then sent a second debt validation request on XX/XX/2018 to security credit services, and have yet to receive any information regarding this account While they are not required under federal law to respond, if they don't respond with proper validation then they are required to cease all collection activity. Again, I have not receive a clarification on this debt. I have recently pulled my credit report to only see this same account listed, and updated. I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. I am requesting the creditor to remove this account from my credit reports ASAP
01/15/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	GA 30083	Web	Servicemember
On XX/XX/XXXX, I made an ACH payment to Rent Debt Automated Collection, an account that was under my maiden name at the time. Since then, I have received a collection letter from XXXX XXXX XXXX, dated XX/XX/XXXX for credit card debt in which I owe {$5400.00}. I called and spoke with Mr XXXX XXXX on XX/XX/XXXX to initiate a payment plan. It was agreed and electronically signed to begin making {$270.00} monthly installments on XX/XX/XXXX. However, the payment was rejected by XXXX XXXX as a " non transaction account, '' ineligible to receive this type of payment. I continued to call the collection agency for about a month with no answer, until XX/XX/XXXX. Again, I spoke with Mr XXXX to initiate the payment plan process. Installments are suppopsed to resume on XX/XX/XXXX. My complaint is regarding the timing of receiving debt collection letters. XXXX was the payee, however XXXX XXXX XXXX must have had ownership of my account since XXXX, XXXX when I received their letter. Regardless, not realizing my account was being sold to another collection agency is where my frustration lies. In addition, I have had two more collection account letters for credit card debt under my maiden name from Security Security Services dated XX/XX/XXXX. This collection agency along with the original creditor, XXXX XXXX, is listed as ( 4 ) delinquent ( deragatory ) accounts on my credit file with amounts of {$11000.00} ( 2x ) and {$6200.00} ( 2x ). I began working with a local credit repair company, XXXX XXXX XXXX, in XX/XX/XXXX with no success of the removing deragotory accounts from credit file. Currently, I am working with XXXX XXXX ( NY ), who is assisting me with inquiry removals and credit repair. After months of not being able to reach Security Credit Services, I finally spoke with a live person on XX/XX/XXXX. Apparantly, my account was transferred to the Law Offices of XXXX XXXX XXXX in XXXX, FL. I spoke with XXXX the same day to initate a payment agreement and have yet to receive a response.
03/24/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 10029	Web
XX/XX/XXXX i saw an account in my credit report from Security Credit Services. I called to inquire they said it was a XXXX account belonging to my ex wife of which i was authorized user. I ask for info to call XXXX and i file a dispute with both company because i never had any joint account or was i any authorize user on her account. They said they mailed the info to me, any way i check my report again and the account was removed, so i left it as that. Late last year the account returned to my credit file, so they deleted it to prevent me from disputing it and put it back hoping i would n't notice the put it back. i called security credit services again spoke to XXXX XXXX every time i called they were transferring the call straight to him. He ask me if i file a police report i said no, you never send the info. i went to the station to file a report they told me i need teh account number, name of who open the account, when the account was open and close and the address where the account was open. I called XXXX XXXX back told him what they said i needed he said he would send it. And when i call XXXX they 're telling me they don ; t have any record of sending my name to collection and they do n't have any outstanding account with my name on it. XXXX XXXX said they returned the account to the original lender i called XXXX, nothing i called back he give me a number for another collection agency saying they bought the account from them. And they kept giving me one store after the next. Today XXXX/XXXX/XXXX i called still trying to get the info on the account spoke to XXXX again she 's telling me the account was returned to the original lender, saying they did send the info to the address where the account was open when i give XXXX XXXX my address to send the info. I hang made some more calls and call again this time XXXX said the account is pending to be returned to the original. So they 're lying about who have the account and wo n't give me the info to dispute it with XXXX.
04/08/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 601XX	Web
On XX/XX/XXXX, I was notified by the Illinois Department XXXX XXXX XXXX that my personal information was stolen and XXXX gave me a year of credit monitoring. Fraud alerts were placed with the major reporting agencies. My credit reports were being monitored and no fraud accounts were opened or reported until I received credit report notifications from the 3 credit reporting agencies on XX/XX/XXXX regarding a new collections account from Security Credit Services for {$2300.00}. The original creditor is reported as XXXX XXXX. XXXX XXXX never ran a credit inquiry or reported any accounts on my credit reports until the collection account. XXXX has the collections account reporting last activity on XX/XX/XXXX. All 3 credit reporting agencies have the collections account reported on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and they had the wrong name, the wrong address, only the last XXXX digits of my SS number, incorrect phone number and email address. They also told me they would open a fraud case and have someone call me but I never received a call for them. I then filed a police report with the XXXX XXXX XXXX police on XX/XX/XXXX for identity theft. On XX/XX/XXXX I called Security Credit Services to get more information and made the mistake of giving my current address as of XX/XX/XXXX, recently moved. Then I received a letter in the mail from XXXX XXXX XXXX XXXX requesting information to send to Security Credit Services and stating that the account information was verified, although the name is incorrect. The letter also asked for more information including my signature, but I feel I am giving them too much correct information and after reading the reviews and complaints of Security Credit Services, I feel they may be creating a fake debt and again, nothing was ever reported, inquiry or account on my credit reports for XXXX XXXX. On XX/XX/XXXX I filed an identity theft report with the Federal Trade Commission.
02/15/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	WI 53216	Web
On XX/XX/XXXX, I spoke with XXXX at XXXX XXXX XXXX XXXX. to setup payment plan for debt owed to XXXX ( original creditor ), and SECURITY CREDIT SERVICES LLC ( current creditor ). The amount of the debt owed was {$2900.00}. XXXX agreed to a payment plan of $ XXXX/month beginning XX/XX/XXXX for six months, and $ XXXX/month beginning XX/XX/XXXX until debt owed is paid off. I continued receiving harassing letters from XXXX XXXX XXXX, so I retained XXXX XXXX XXXX XXXX ( a debt management company ) to help me. On XX/XX/XXXX I spoke with XXXX XXXX at XXXX XXXX XXXX, and I was able to get in a debt management program for $ XXXX/monthly to be paid toward my debts to current creditors including XXXX XXXX XXXX. XXXX XXXX and others forwarded several proposals ( regarding debt settlement/payment plan ) by fax/email to XXXX XXXX XXXX/SECURITY CREDIT SERVICES, but got no response ... per XXXX, XXXX XXXX XXXX whom I spoke with on XX/XX/XXXX. I spoke with XXXX XXXX, XXXX XXXX XXXX on XX/XX/XXXX regarding the harassing letters I'd been receiving and to inquire about XXXX XXXX XXXX contacting them, but XXXX stated that they've had no contact from XXXX, XXXX ... XXXX obviously lied. Also, XXXX XXXX XXXX have sent 2 to 3 payments of {$87.00} to XXXX XXXX XXXX and my balance have gone down. The new payment plan of ( $ XXXX/month ) from XXXX to XXXX XXXX XXXX is actually more than the previous payment plan that XXXX agreed to. Although XXXX XXXX XXXX have received $ XXXX/month payments from XXXX XXXX XXXX on my behalf, they have filed a lawsuit with the Wisconsin XXXX Courts , Case # : XXXX. XXXX XXXX XXXX did not inform me about filing a lawsuit against me at all ... I don't understand this because they're receiving payments from XXXX, XXXX on my behalf, and it seems that they're intentionally trying to ruin my credit. I'm trying to do the right thing by paying off this creditor, but they're intentions are to ruin me.
12/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD XXXXX	Web
On ( XX/XX/2018 ) I get back a response requesting an " Affidavit of Fraud Letter '' that it to be filled out, notarized and sent back to them. The Federal Law says, " the burden of proof '' is on " Security Credit Services ''. It's been more than ( 30 ) days. Security Credit Services # XXXX XXXX XXXX XXXX, XXXX , MS. XXXX XXXX File : # XXXX Account : Original Creditor XXXX XXXX ( Rental/Leasing ) Please send me all the information of this alleged debt as to, 1. When did this ( alleged ) debt occur? 2. What was purchased ( s )? As required by Federal Law, Fair Credit Reporting Act, the following requirement of the credit bureau, 15 U.S. Code, Section 1681i - Procedure in case of disputed accuracy, said ( adverse account ) is extremely injurious to my credit report, please delete this item off my credit ( XXXX, XXXX and XXXX ) reports ASAP. DO NOT DISREGARD THIS LETTER! If you are planning to continue to press this alleged debt ( if not ) rebutted within ( 30 ) thirty days by written response following your receipt of this letter, I will presume your alleged debt to be incorrect and will enforce my Rights against any government agency or person who would violate ( i.e., seizure, levy, lien, etc. ) my Rights willfully or out of ignorance of the Law. Failure to verify on my written request will constitute an unfair or deceptive trade practice subjecting your agency to civil damages of up to {$1000.00} and attorney fees, and/or Federal Trade Commission action for penalties of up to {$10000.00} per violation per day. I have examined the statement of fact presented in this letter to the best of my knowledge and belief, is true, correct and complete. A denial of Due Process will be deemed an act of conspiracy and conversion. Please forward me a copy my updated credit report. Sincerely, ________________________________ XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, MD XXXXXXXX
03/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MD 21229	Web
Security Credit Services has failed to comply with the Fair Debt collection practices Act. This company is in violation of 15 USC 1692b2 acquisition of location information. ( 2 ) not state that such consumer owes any debt ; the term State means any state, territory, or possession of the United States, the District of Columbia, the XXXX of XXXX XXXX, or any political subdivision any of the foregoing. I do not live in the state of Texas therefore this company can not collect a debt, force, or harass me to pay a fraudulent debt. Security Credit Services has also failed to comply with my request. Pursuant to 15 USC 1692 G debt validation five rules debt collector must send a written notice containing as validation ( 1 ) the amount of the debt ( 2 ) the name of the Creditor to whom the debt is owed ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ( 4 ) a statement that if the consumer notifies the debt collector in writing within the 30-day. That debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such a verification or judgment will be mailed to the consumer by the debt collector ( 5 ) a statement that, upon the consumers written request within the 30-day. The debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. I have requested all 5 of these rules and Security Credit Services as simply not complied which is a violation. Within the documentation sent by Security Credit Services I have received paperwork that has a multitude of violations including 15 USC 1692b ( 5 ), 15 USC 1692c ( a ), 15USC 1692E ( 10 ) and 15 USC 1692 ( d ) ( 2 )
07/22/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	LA 70816	Web
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
11/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 20171	Web
A company named Security Credit Services which also seems to do business as XXXX XXXX has reported a fraudulent collection of {$960.00} to my credit report. I have tried to resolve this issue with them but they seem to outsource all of their work to a company named XXXX XXXX XXXX and there does not seem to be anything that company can do to resolve my issue. The original debt was created with a company named XXXX XXXX, XXXX on XX/XX/2021 by someone who impersonated my identity and committed fraud. I do not know who this person is and was only made aware of the issue when I found the collection on my credit report. I have since filed a police report with the XXXX XXXX Police Department in XXXX XXXX, Virginia. I have called XXXX XXXX in hopes to clear this up. I have called Security Credit Services to clear this up. I have shared the police report information and besides the fact that I have little idea how to navigate these companies, they are not able to help me clear this up and get the information off my credit report. Specifically, the people at Security Credit Services are rude and not interested in helping to resolve this issue. I have disputed this with each Credit Reporting Company including XXXX, XXXX and XXXX with mixed processes and mixed results. XXXX has deleted the collection account from my report. XXXX still doesn't believe they have enough information. I have not heard back from XXXX yet. These companies are really hard to work with in a modern world. They have archaic systems, their phones are set up to push you to postal mail or their website and they seem very interested in selling their protection services more than they do resolving issues related to fraud and identity theft.
06/03/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10466	Web
I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account. ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. On XX/XX/XXXX I received your debt validation responses. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''
01/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78664	Web	Older American
I received notification on XX/XX/2022 that there had been an account change to my XXXX Credit bureau information. As all 3 of my credit bureau accounts have been locked for over XXXX years, I immediately checked my posted information at XXXX. There was a listing that a debt collection account had be created under my name. The original creditor was listed as XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX OH XXXX. The debt collection agency was listed as Security Credit Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( debt account XXXX ). I have never done any kind of business with XXXX XXXX XXXX which indicates an outstanding account balance in my name in the amount of {$1300.00}. I have mailed correspondence to both entities expressing that I did not apply for any loan service through XXXX XXXX XXXX. Their web site boasts " no " Credit Score Required means that, although no minimum XXXX score or established credit history is necessary to apply, we may check past payment history based on the information you provide in the application ''. As my XXXX XXXX account has been locked for 2 years, I doubt that any effort was made to ascertain credit history. I have never been contacted by XXXX XXXX XXXX regarding payment of any kind, or that an account existed in my name. The first I learned of this was through my XXXX Credit Bureau account. I have requested via correspondence that the two entities listed above remove my name from their creditor files, and that XXXX be contacted for removal of the Collections Notice on my credit report. I assume that this was fraud committed by someone using my name and information to establish a loan through XXXX XXXX XXXX.
05/03/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	UT 84123	Web
Security Credit Services , LLC has failed to prove correct date of XXXX Delinquency for an amount owed to the original creditor, XXXX and has been reporting the collection account on my XXXX Credit Bureau Report. Pursuant to the FCDBA Debt Vericiation must be furnished in order to report adverse account on my Credit Bureau Report and thus XXXX XXXX XXXX has also violated the FCRA. They have reported Experian with incorrect Date Of XXXX Delinquency. To my knowledge the date of XXXX Delinquency is in early XXXX and not XXXX XXXX as reported by Security Credit Services , LLC. I am demanding Debt Verification from XXXX XXXX XXXX and they must establish the following:1. Proof that the collection company owns the debt/or has been assigned the debt. 2. A copy of a statement from the original creditor including the amount of the debt and complete payment history ( Established by XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 3. Copy of the original signed loan agreement or credit card application. If Security Credit Services , LLC can not furnish the requested Debt Verification or Correction, they must remove the collection account from my XXXX Credit Bureau Report. If they keep reporting it, they are clearly violating the FCRA guidelines and I have the right to sue Security Credit Services , LLC for {$1000.00} in damages in addition to court costs. XXXX Credit Reporting Agency, XXXX Credit Bureau also must provide " Method Of Verification '' of the alleged Security Credit Services , LLC account. XXXX and Security Credit Services, are both causing me financial harm by continuing to report the negative account incorrectly.
10/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 39212	Web	Servicemember
Today I got a collection placed on my credit in the amount of {$1600.00} when I never got any written notification of the debt to pay or to dispute a company by the name of Security Credit Services this company has never contacted me never sent me anything skipped the process of verification and payment to the to the original creditor and immediately placed the account on my credit without a call and not even a letter of verification to dispute consumer was never contacted by original creditor for account to be resolved accurately. Consumer contacted original creditor due to never receiving merchandise in a timely manner and was being billed for payment when product was not received company advised they would not bill consumer and issue credit due to being billed for a product that was in delay in shipping as of today 's date consumer was told to keep paying for a product never received in a timely manner waiting on an update to the account. Company never called back after consumer advised of this issue and was waiting on a resolution that never occurred many times calling no one would know exactly what happened nor would they give credit for the delayed no product but still wanted a payment as of today 's date original creditor has never resolved the credit disputed by the customer and wanted money when they was to issue a credit or update a new contract due to delayed product company wants clients to pay for a product not received or delayed when they know the customer does not have the product due to delay I immediately advised that how can you pay for something when the customer does not receive it in a timely manner per the agreement
04/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
I've reached out to Security Credit Service twice requesting validation of an alleged debt. As of today, I have not heard back from them. I am for certain that I do not owe this company any money. For starters, I have never done business with them nor have I heard of this company. They have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardi v Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, not thereof any such debt, in fact, exists. Therefore, I restate my demand for proof of the alleged debt, specifically the alleged contract or the other instrument bearing my signature.Absent such proof, they must terminate this collection action and correct any erroneous reports of this debt as mine. According toFair Credit Reporting Act ( FCRA ) everything on my credit report must be accurate, verifiable, and reporting timely. If not that, information must be removed or corrected from/on my credit report. Security Credit Service can not report information to one or more of the three major credit bureaus that will be violating my rights. For the record, I state again that I have NO account with them, nor am I their customer, nor have I entered into a contract with them. I've requested VALIDATION of the debt not verification which was not provided. I also asked for the following that was not provided. I did not give this company written permission/ instruction to place any of this information on my credit report according to 15 USC 1681 Section 604 A Section 2 this bureau has violated my given right.
11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	CT 060XX	Web
I submitted a letter to Security Credit Services to validate a debt that they are reporting on my credit, as owing them. In the letter, I explicitly stated that it wasn't a denial of payment, but to validate that the information that they were reporting was indeed accurate and valid. I requested copies of the original contract, which they provided in a response letter from XX/XX/2021, but also copies of all accounting from their client, showing any and all payments which derived them at the alleged amount they state I owe. This concrete information would show the validity of the account, as well as copies of their licenses to collect in my state of residence. Neither of these pieces of information were provided, not to mention the fact that once this account was in dispute they were supposed to update with the credit bureaus the fact that the account was in dispute, a violation of the FCRA. While the letter states they ( Security Credit Services ) are allowed to report information, once an account is in dispute it's supposed to be reported as such. I never asked them to alter anything concerning the account, but once disputed this information should have been reported as in dispute immediately. This they did not do, nor did Security Credit Services report the dispute with the major credit bureaus. All information they admitted to in their response letter to me. I then sent a response letter yesterday ( XX/XX/2021 ) stating that I would be continuing my dispute due to these issue and errors and want to make a complaint due to unfair credit reporting and practices on the part of Security Credit Services.
05/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 19138	Web
This purchase took place on XX/XX/XXXX at XXXX XXXX XXXX. I was told by the clerk, XXXX, that the company was involved with a sleep study funded by a federal grant. I was told that if I agreed to participate in the sleep study I could get my mattress purchase significantly discounted, so I agreed. I was charged {$300.00}, paid with my debit card, and had a queen size mattress, box spring, and frame delivered the same day. I never signed anything stating that I would pay more than the {$300.00} I was charged. Months later I began receiving text messages from XXXX. Although I did not know what the company was or why they were contacting me I did not look into it any further. When the calls began I was completely flabbergasted because I never agreed to pay {$1900.00} for that mattress. I tried disputing the charge with XXXX in XX/XX/XXXX. I sent in a copy of my receipt but was told that it was not valid because it was not signed. However, the attached credit terminal receipt states that there is no signature required. I tried to go directly to the merchant but since then XXXX XXXX XXXX has closed permanently. After closing, the same location was called XXXX XXXX at one point, but is now closed as well. I tried emailing at the address printed on the business card, but the email could not be delivered because the address is not valid. The account was being collected by XXXX XXXX and I have tried to dispute the charges several times with all three credit bureaus. I received so-called proof that I owned the debt in the form of an electronic signature with only my initials in lower-case, " XXXX ''.
09/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 304XX	Web
On Friday, XXXX I contacted a creditor that I owed. The company name is XXXX. I called trying to pay out an account I had with them but i was told another agency was handling my account and to call them. The company that was handling my account is Security Credit Services. I called and I informed the lady that I needed to pay out the account. She said the balance was {$700.00}. I said okay and then I said to her I see this is not been reporting on my credit report and she said No it isnt. I proceeded to pay the money and she said it declined but that she would run the card again the next day which was Saturday. I said okay. She stated she would send an email and confirmation when it was done. Saturday morning I checked the account and the pymt was made yet I did not receive an email or confirmation from them. Approx 1-2 hours later I received an alert from XXXX XXXX indicating a new collection was added to my account. I logged in to see that this company had reported it to my credit reporting agency as an unpaid account as of XX/XX/XXXX. As a result my credit score dropped over 34 points causing me delay in trying to purchase my first home. Prior to Friday I had never heard anything from this company. No phone calls or letters. It was not on my credit report until after they got their money. This company reported false information not by accident but knowingly they put false information on my report causing me harm. This company should be fined because they violated the FDCPA LAW which states if a company puts false information on your credit report knowingly this is a violation.
07/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL XXXXX	Web
On XX/XX/2018, I sent a certified debt verification letter to Security Credit Service for account numbers XXXX and XXXX, asking that they verify the debt. The letter also stated under the Fair Debt Collection Practice Act ( FDCPA ) I have the right to request validation and verification of the debt that any company say that I owe to the. I asked for a contractual obligation that was bearing my signature, which would be binding me to pay the debt that is being said that I owed. I did not receive anything from them. I then sent a certified letter on XX/XX/2018, requesting the same information from them and they returned a letter that was typed up that bared a company names, but again, I was not given a contract between myself and their client that bared my signature saying that I responsible for the debt. On XX/XX/2018, I sent another certified letter to the company asking that the information be removed from my credit report due to 3 letters being sent to them asking for validation of the debt and a contract between myself and their client be sent to me showing that I was responsible for the debt. Since the information that was requested by me from there office failed to comply with the requested information from the date of the receipt of the very 1st letter dated XX/XX/2018 ( sent certified ) I am requesting that all references to this account be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. They failed to do so and they continue to report this information on my credit report.
07/21/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	FL 33756	Web
Despite FTC in XX/XX/XXXXLawsuit and Permanent Injunction against Security Credit Services , LLC over issues to include deceptive voicemail messages. On XX/XX/XXXX I began receiving harassing threatening automated voicemail messages that failed to identify messages were from a collection agency ( please see attachment voicemail transcript/ answering machine incoming answer was later changed by SCS to depict medical facility ) from Security Credit Services , LLC a.k.a XXXX XXXX. Collection agency is slow or non responsive to my attempts to expeditiously resolve matters in a timely manner without further expense or delay in a manner where no further harassment and intimidation tactics will be used by the collection agency and despite my adamant wishes to resolve the account quickly and thoroughly remove collection listed from my credit reports that the collection agency has plastered all over my credit reports without first notifying me of the outstanding debt, my right to dispute the debt, or have the debt sent back to original creditor for resolution, and its failure to validate its authority prior to collect on debt. Or validate its legal right to collect debt or sue in Florida despite threatening to do so. Collection agency refuses to negotiate reasonably settlement on old/ charge off account. It has negatively hindered my ability to establish credit and purchase a home. Security Credit Services , LLC alleges an outstanding amount of {$1800.00} is owed to their agency from a charge off account it purchased from the original creditor in XX/XX/XXXX.
09/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	HI 96706	Web	Servicemember
Received a phone call from a representative of Security Credit Services advising me that they are attempting to collect an unpaid debt for furniture delivery in Florida. I immediately thought this was a fraud, and I advise the person that I was hanging up because I 've not purchased furniture and do n't even live in Florida. We conversed more and I found that somehow someone opened an account with my credentials with a company named XXXX XXXX XXXX to purchase furniture - I was even given the address - a 'manager ' of this credit services company was the one whom provided me with this extra information and assured me he would send this case back to the leasing company. I immediately looked up this leasing company and called in attempt to clarify this - I was unable to speak to a 'person ' but was able to leave MULTIPLE messages. To date no one has contacted me. Pulling up my credit report after the XXXX security breach I noticed a collection account listed for {$1800.00} from Security Credit Services, I also see that one of my past addresses listed is FLORIDA? I 've NEVER lived in Florida - I can provide any proof needed and can attest to the fact that I have NEVER lived in Florida and have not opened any account from XXXX to purchase furniture. PLEASE CLEAR THIS OFF MY REPORT as this is FRAUD/I am attempting to purchase property and this should not be on my report - I believe this leasing company did not have a valid right to open an account under my credentials. How could this happen? This is completely false and illegal!!!!!!
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77521	Web
This is a formal complaint against Security Credit Services located in XXXX, MS . This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all XXXX of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Security Credit Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
12/10/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	TX XXXXX	Web
XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. SECURITY CREDIT SERVICE ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXXXXXX, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.
04/08/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 40216	Web
I sent a letter of convergent asking for : 1. Validation of the debt-that is, the actual accounting. 2. Verification of a signed invoice. 3. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered. However, according to 15 USC 1692 ( E ), 15 USC 1692 ( D ), AND 15 USC 1692 ( B ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication of a debt. A loan agreement is a contract and so there has to be full disclosure of all the details ( which there wasnt, both sides have to put up something of equal worth ( which didnt happen ), the contract has to be signed is wet ink by both parties. Contract : a written or spoken agreement, especially one concerning employment, sales, or tenancy, that is intended to be enforceable by law. " both parties must sign employment contracts '' A statement is not an Invoice so would you please provide a signed Invoice as requested. A loan application does not constitute a Contract as it only signed by one party and I asked for a copy signed by both. Once again, I am demanding the requested documents to be sent to me within the next 14 to 28 days and if this does not happen than I will consider the debt to be fully discharged and for my property returned to me. Kind regards,
11/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 208XX	Web
I am requesting that a fraudulent debt in the amount of {$4000.00} be negated and removed from my Credit report. In XXXX, I was invited to join a XXXX XXXX XXXX. I attended a day long seminar describing what was involved. I accepted the membership, with the contingency that I could cancel within three days if I changed my mind. I did indeed cancel within the allowable period. Now, 5 years later, I see a collection in the amount of {$4000.00} owed on my credit report. It says that this amount was placed for collection in XX/XX/XXXX. I got in touch with the collection agency, Security Credit Services, who stated that I had taken a loan out with XXXX XXXX XXXX XXXX XXXX of whom I'd neither heard of nor done business with, ever. I asked Security Credit Services for loan paperwork in my name and anything signed by me, to show what this was for To date they have not complied. I called XXXX XXXX XXXX, XXXX and they stated that they have no record of me in their system. I disputed the validity of the debt with three Credit Bureaus. They have stated that the debt is " verified '' and meets FCRA requirements. I have neither received a loan in the amount of {$4000.00} nor have I received any merchandise or services in the like. I am therefore requesting that you investigate this issue so I can remove this debt from my name. Security Credit Services XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX ( XXXX ) XXXX Regards, XXXX XXXX XXXX
04/07/2017	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	MA 010XX	Web
I was a victim of identity theft and there were XXXX accounts involved. I did not know of this till XX/XX/XXXX when my mother became ill and passed away I did a re-fianc on the home left to me. Upon running a credit check I found these XXXX accounts that were not mine and I started checking into and filed a fraud statement with all the creditors. I received 11 letters from the agencies releasing me from the debt and they were removed from by credit profile. I never received a letter from Security Credit Services but they did take it off my credit profile and I never heard form the again. In XX/XX/XXXX the closing date for my I home I learned that they had a lien on my home. I was upset as in the 3 years since I worked on this I never heard from them. On XX/XX/XXXX the fraud paperwork was sent to them and I learned that on XX/XX/XXXX Security Credit Services Sold this account to another agency and never released the lien in their name on my home. Since XX/XX/XXXX I have reached out to Security Credit Services by mail, fax and phone. I spoke once to a XXXX XXXX that was suppose to look into it and call me back but never did, my mail and calls after that were never responded to. Yesterday I was finally able to talk to a XXXX and explained the situation. I explained that it is not fair that they have a lien on my home for an account that they do not own. That statement was ignored. I asked for the owner who is XXXX XXXX but was told she is on vacation.
09/14/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90029	Web
Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.
04/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 10458	Web
I am a victim of the XXXX data breach since it's inception of XX/XX/XXXX and since then i have notice a myriad of accounts on my credit report that do not belong to me. I was inititially contacted by XXXX XXXX on XX/XX/XXXX stating that i had an overdue balance that was owned on a lease agreement, i stated that i do not recall any such debt and that they should cease contacting me, it appears that after that the debt was brought out by Security credit servicess, llc on XX/XX/XXXX whom never contacted me to ask if this debt belonged to me, then as of XX/XX/XXXX i received a notice from the law offices of XXXX XXXX, XXXX stating that they were acting on behalf of the above mentioned company and that they were looking to receive the amount of {$3600.00} in full on their behalf. I asked them to send me proof that the debt belonged to me and explained that i am a victim of the XXXX breach and a victim of identity theft. They never sent any paperwork regarding that, as of XX/XX/XXXX i received a summons in the mail stating that they were taking me to court and threatning to seize my Bank account, i am unemployed and as a result of identity theft my credit is very poor, i do not owe this debt and they have no proof other than some electronic signature which does not include my middle initial and does not prove that it is me. I would like this to me removed from my credit report and i will showing this to the court when i file an answer.
07/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 226XX	Web
In XX/XX/2019, I received a call from Security Credit Services SCS office notifying me that you are a collection agency and that I owned your office {$1500.00}. I informed the person on the phone that it was not account and that I need all the information that was used to open the account so that I could turn it over my local law enforcement Identity Theft department. I was told the information was on the way. During a review of my three Credit Reports, I noticed and collection item from Security Credit Services SCS for XXXX. On XX/XX/2019 I forward a certified express letter to Security Credit Services SCS addressed to the owner, Mr. XXXX XXXX XXXX XXXX requesting inform about their demand that I pay them XXXX so that I can file a report with my local police department. As of the date of this complaint on the date of the letter, I have not heard from Mr. XXXX or anyone from his company. Also, in my letter I requested that Security Credit Services SCS or anyone in their employment not call me about this matter. In an effort to circumvent federal law ( the Fair Credit Act ) Mr. XXXX company has forward my personal without my consent to XXXX XXXX XXXX to harass me and my family. XXXX is call my home and cell every day, even after I have informed them that is account is not mine. One call from XXXX XXXX, the person on the phone told my wife that If I did not call them back by the end of the day, hey was going for file suit.
05/27/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 34741	Web
I recently received a notice from the Security Credit Services LLC on approximately XX/XX/2021 with a stated current balance of {$16000.00} which originated with XXXX XXXX, XXXX on the financing of an XXXX XXXX with XXXX by XXXX. Due to the COVID-19 pandemic last XXXX, I was put out of work for the entire year on account of being a non-essential worker. I received no notification from XXXX XXXX concerning the acquisition of my debt by Security Credit Services and when contacting the prior business, they said it was out of their hands as my account had already been acquired ( again, with no warning or any type of indication that my account was at risk of being collected ). When contacting the latter company concerning my debt, I have contacted them via phone for the past two weeks with messages left to no avail and they are notoriously known for being extremely unprofessional in matters of communication. This was a majorly poor handling of communications on part of both companies, both of which do not provide clear answer on how to proceed or rectify this situation. I feel severely slighted and taken advantage of as a consumer and as a client - especially in the fact that I was not notified or given any warning in the passing of my account to debt collectors. It is as if this company took advantage of the ongoing pandemic to further exploit its clients in a time of national economic turmoil.
10/10/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92612	Web
Company : Security Credit Services Amount : {$1700.00} Dispute Letter Send Out XX/XX/2018 Security Credit Services trying to collect on a debt I Do Not owe. I disputed this account immediately with the credit reporting bureaus in XX/XX/2018 as not mine. I only notice because it showed on my Credit Report. I have never heard of or know of Security Credit Services or the company affiliated with them such as XXXX and XXXX. Around XX/XX/2018 I was notified that Security Credit Services had reported on my credit reports and the original creditor was XXXX. I received a collection letter from XXXX showing XXXX XXXX XXXX as a Ceditor and claiming I owed the debt so I requested a Debt Validation to supply me with the original contract with my name on it. Security Credit Services and/ or XXXX XXXX, XXXX is ruining my credit and I am simply tired of having them re-selling this fraudulent debt to a third party debt collector. I have NO Knowledge of this debt and have never opened an account with XXXX and they are listing this fraudulent account as mine. I have since filed an Identity Theft report against this fraudulent account against XXXX XXXX , XXXX, Security Credit Services, and XXXX with the Federal Trade Commission. Note : An attempt to contact Social Security Service by phone at ( XXXX ) XXXX was made on XX/XX/2018. Call was not answered and a message was left with the answer machine.
04/25/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70118	Web
Ok this original account was with XXXX XXXX they sold it to Security Credit Services, who sold it to XXXX XXXX who sold it to XXXX XXXX who then sold it to XXXX XXXX XXXX. I spoke with these companies for almost 2 months trying to get to the bottom of this so i can settle this account, i have been getting the run around. This is one account and Security Credit Services and XXXX XXXX XXXX have it on my credit they are trying to charge me twice for one account. When doing my investigation XXXX had me owing {$5000.00}, which was wrong so when i contacted them 2 weeks later they changed it to the right amount, i disputed the amount to transunion. With Security Credit Services they removed this account off my credit report and last month now its back on there. All these companies have been giving me the run around and i'm just trying to settle this account. I went as far as reporting XXXX XXXX XXXX to the XXXX, still waiting on a response. I spoke with XXXX today XX/XX/2023 and they gave me this website, I spoke with Representative XXXX. She also see where i disputed these 2 creditors on many occasions. This is one account and the bedroom set was {$1800.00} dollars so i do not know where the {$4500.00} come from. I'm trying to settle this account but I don't have correct information and all these creditors involved are giving me the run around. Can you please assist me in this matter.
01/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 283XX	Web
I have not received any confirmation on how the company has validated the alleged account attached in Exhibit A reporting on my Consumer Report, which I refer to in a sworn affidavit testimony I sent to them. Therefore I request that you consider this a final notice to the offices. Past this point, the company is willfully -Defamation my Character - Violation of the Fair Credit Reporting Act - Violation of the Fair Debt Collection Practices Act - Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ). The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that they are reporting. *** ( copied from the affidavit attached ) **** A major way I was affected by the subterfuge reports, is how I went through financial misery. It was very difficult to maintain a normal lifestyle without leveraging my credit. I wasn't able to purchase a home or a car to stabilize my living situation. I have to continue to pay rent at a premium rate because of the impact of Security Credit Services , LLC XXXX Inc 's willful noncompliance reports on my consumer report. I also missed out on multiple contracts, jobs and different income opportunities that lead me to financial hardships due to the noncompliance reporting on my consumer report by Security Credit Services , LLC.
09/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38017	Web	Servicemember
This is compliant is about about the unscrupulous collection practices of SECURITY CREDIT SERVICES reporting collection entries on my XXXX, XXXX, and XXXX credit reports for a debt that I repeatedly contended was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), SECURITY CREDIT SERVICES is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I have demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) for all collection accounts on file both via phone and via my previous compliant to the credit bureaus who then contacted SECURITY CREDIT SERVICES collection agency, but still have yet to receive this information. SECURITY CREDIT SERVICES ' failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and clearly they are unable to provide me or the collection agency a copy of verifiable proof. It has been longer than 30 days since my original request and therefore I demand that all collection attempts cease and I demand that all negative entries be REMOVED from my credit reports immediately. I will avail myself of remedies available under the law if this entry remains or this alleged debt is sold to another collector.
11/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
The Company SECURITY CREDIT SERVICES posted onto my consumer reports stating that I owe them an alleged debt. I have no agreement with SECURITY CREDIT SERVICES they have purchased a debt without me being involved in the transaction. How did you get my information? This is a duplicate account pursuant to 15 USC 3002 I am a natural person. You are a Third Party Debt Collector, who appears to be fraudulently claiming authority of this Executor Office to administrate for the me XXXX XXXX. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and SECURITY CREDIT SERVICES is authorized to administrate ( acting trustee ) on I the consumer, together with a certified copies of signatures contract between you and I, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing I XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon I XXXX XXXX. Courts require your contract for jurisdiction. I the Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
01/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	MI 48141	Web
A couple of years ago I opened an account with XXXX XXXX XXXX XXXX thru XXXX XXXX I bought a carpet cleaner and was having payments taken out of checking account automatically, my bank XXXX contacted me and they thought my account was having fraudulent activity so they cancelled card and issued a new one. I had called why not lease it and told them not to use card as it would be invalid and I would call when I received new card well they used my inactive card ( I 'm not quite sure how many times ) but for awhile it was 2 time a day and each time it was rejected they charged me another XXXX dollars? When I received my new card I called and told them the new # and thought everything was fine but When I went to apply for a home loan my agent informed me that I had this account overdue much to my surprise so I called the company that XXXX XXXX XXXX sold it to and paid the bill this wasXX/XX/XXXX and still even though my credit report states XXXX they are still reporting this every month and messing up my ability to get a home loan. I called XXXX XXXX and spoke to XXXX and she told me they wo n't quit reporting even though my account is XXXX. She also said they would continue for 7 years. Totally unfair as I did not even know this debt existed! I thought it would come off my report since I had paid it I have read numerous complaints about this company Can I get some help??
07/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD XXXXX	Web
After pulling copies of my credit reports from XXXX, XXXX, and XXXX, I discovered a collection account from Security Credit Services listed on each of the reports. I sent a letter to Security Credit Services and requested validation of this debt in XX/XX/2018. The agency responded by sending a lease agreement ( attached ) that contains information similar to mine, but not my information. My name on the documents are spelled incorrectly. My last name is XXXX, the lease has it listed as XXXX. Also, the telephone number and email address listed on the lease do not belong to me. Also, there is no signature or SSN on any of the documents provided. I have not leased any jewelry from XXXX , XXXX as the documents provided by Security Credit Services claims.This lease does not belong to me, and should not be on my credit reports and is causing me considerable financial harm. After contacting Security Credit Services by phone and expressing that this account is not mine, and pointing out that the information in the lease does not match my own, I was informed that I would need to provide them with a police report and a notarized affidavit in order for the item to be investigated and removed from my 3 credit reports. I feel that this is unreasonable, and that the debt should be removed immediately as they have failed to provide any proof that it belongs to me.
12/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33907	Web
I have written to the company a total of 2 times. I have stated I had no acknowledgment of this account and was asking for documentation. As of the Fair Credit Act Section 609, the creditor must provide a signed document with my physical signature. If they have said document I would go about that process as necessary. Every letter I have written, the credit bureaus state they have been verified by " Our '' Company, ( Meaning the bureau ). Within my rights of Federal Law section 609 ( a ) ( 1 ) ( a ) states they must provide me with a form of verification. They have not done so. Who has verified my account, how was it verified, where is my copy of the document. I have been punished for an account I have no acknowledgment on. They continue to sweep this under the rug and it is not right. They are breaking Federal Law by not complying with what is being asked. They have no documentation with my physical signature on it. They have address incorrect and dated wrong since I was currently living in a different apartment at the time of said debt. They have not shown any form of validation and a debt that is n't mine. If they continue to report said debt on my credit report without validation with my physical signature on said consumer agreement, I will be forced to pursue litigation and seek monetize damages under FCRA section 616 & section 617!
08/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 765XX	Web
Security Credit Services has a " collection '' on my credit report for the amount of {$1200.00}, from a retailer called " XXXX ''. This account, created in XX/XX/XXXX, was opened without consent or permission by an ex-girlfriend. I noticed the debt at the end of XXXX, beginning of XXXX. We had since ended the relationship, as she was suffering complications as a result of her addiction. I attempted to resolve it with her, but she never fulfilled our agreement, paying me {$0.00} total. I never pursued criminal charges, due to her family being close friends with mine, and to settle it civilly would mean I would have to travel to XXXX, costing more than the alleged debt. I've attempted to reach out to Security Credit Services on several occasions, as I am willing to take on the debt to clear it from my report, because it has affected employment opportunities, causing me lost opportunities and income. It also affects my buying power for a house. I am about to have my XXXX XXXX, and this will affect her in the long run. I have contacted XXXX XXXX XXXX XXXX and left messages requesting something in writing, or an option on how to pay, yet I have never received one piece of mail/invoice from them. I contacted them nearly every month in XXXX, and XXXX of this year. I have not attempted contact since XXXX, as I moved from XXXX to XXXX.
04/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 086XX	Web
In a recent review of my credit report, I have noticed some errors. Please make the following changes : XXXX XXXX account # The Date of First Delinquency with the original creditor is not provided. Please provide this. The end of the seven-year reporting is not listed. Please provide this. Credit Limit is not listed. Please provide this. Date of Major Delinquency is not listed. Please provide this. Actual Payment Amount is incorrect. Please correct or remove this The Date of Major Delinquency is not listed. Please provide this. Charge Off Amount is not provided. Please provide this. Incorrect Account Status. Please correct or remove this. Original Company Name Not Listed. Please provide this I understand that under the Consumer Credit Act 1974 ( sections 77-79 ), I am entitled to receive a copy of any credit agreement and a statement of account when I request it. I understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days. I understand that, under the Consumer Credit Act 1974, creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account. In the event that you can not verify the details and/or provide the requested information, kindly remove these damaging accounts from my credit report.
05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 430XX	Web
On XX/XX/XXXX, my name was submitted to a collection company for {$99.00} from a company I have never done business with named Security Credit Services at XXXX. I contacted Security Credit Services ( representative name is XXXX ) on XX/XX/XXXX to ask why they reported me for something I didn't do. XXXX said it was from XXXX, and I asked what that was, and she said they receive a number of complaints about fraudulent claims and I would need to talk to XXXX XXXX XXXX. XXXX gave me the number, XXXX to call referencing case number XXXX. I called XXXX XXXX XXXX and talked with XXXX, and she did not know the case number, but could look it up by my social security number, which I provided. XXXX said there was a purchase for XXXX XXXX XXXX in XXXX of XXXX to an address that I last lived at in XXXX. I told her I didn't know anything about such company or purchase, and hadn't lived at that address since XXXX, and she said it was probably fraud and I would have to make a fraud report to prove it. She said they got the notice in XXXX and I have never received anything regarding such transaction until I got fraud alert from XXXX XXXX. XXXX said she would mail a verification of debt form to take to the police to file a report, which I will do as soon as I receive the form. To date, XXXX, I have received no documentation about any of this.
07/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77082	Web
In accordance with the fair credit reporting act convergent Acct list below has violated my right 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. Charges below would need them to be remove has they previously was remove and resold to different companies as I have record identify theft was done and has locked on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
04/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92040	Web
This company which I hold no contractual agreement with no have received services from has opened a collection against my SSN and have reported to the credit agencies that I owe a debt of {$990.00}. They have reported used XXXX XXXX and XXXX to damage my credit. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party who you claim to have received services which has caused for you to seek a debt to be paid and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Considering there is no contractual agreement Nor have I received services from this company I am not binding nor obligated to pay any debt. I request that your services remove these infrastructions from my SSN. I demand this company remove the negative inquiries from my SSN from any credit agencies included but not limited to XXXX XXXX and XXXX I also request that my information be moved from this company 's data base.
08/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CO 80922	Web	Servicemember
I see an entry on my credit report from Security Credit Services in regards to a Collection account past due from XXXX XXXX. I have never done business with XXXX nor have I done business with Security Credit Services. Also the address they are saying the person who took the account out lives ate XXXX XXXX XXXX XXXX XXXX FL XXXX. I have never lived at that address. That address on XXXX earth shows up as a hotel not a single family address. I have lived in XXXX XXXX for the pass 10 year and before that I lived in North Dakota. I have no clue why this account is on my recorded unless someone sole my Id. I have tried to call Security Credit Services and keep getting directed to leave my phone number and name for them to get back to me. I feel that this complain is a scam and refuse to give them my number. Also when I checked my credit report it showed that I have never payed them any money and now it shows that {$28.00} has been payed. I did not pay them and would not ever pay them. I tried to deal with XXXX to have this removed from my credit report and they only come back with Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). I do not understand how they can do this when I have never done any business with ether of the companies in any shape or form.
08/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 195XX	Web
On XXXX XXXX I was notified by a debt collector 'Security Credit Services '' that I owed a debt to XXXX XXXX XXXX XXXX XXXX program for {$1200.00}. I stated to Security Credit Services that the debt was not right and that I will dispute the information. I sent Security Credit Services a letter informing them that I wanted to see all of the paper work for XXXX XXXX XXXX XXXX that shows the debt. I do not owe XXXX XXXX XXXX XXXX since the terms for them was that they would bill my credit card monthly starting in XXXX. XXXX XXXX XXXX XXXX continued to charge my credit card with the last payment being on XXXX XXXX. I did not tell XXXX XXXX XXXX XXXX to stop taking payments, nor did I cancel the contract. From my credit card statements XXXX XXXX XXXX XXXX received XXXX a month from me starting with the down payment in XXXX for a washer and dryer that cost a total {$1200.00} with tax. The next payment was made 2 weeks later then monthly after. The total amount that XXXX XXXX XXXX XXXX received by XXXX from my credit card was {$1900.00} If I owed more money I do not know why after the XXXX XXXX payment was made that two weeks later a credit collection company contacted me. Security Credit Services violated my rights when they reported this debt with the Credit Bureau with out proving the debt was valid.
03/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 731XX	Web
Security credit services sent my account to XXXX XXXX and XXXX for collection, the amount they sued me for was {$2200.00} after court the amount increased to {$3000.00} for attorney fees, court costs.. However I've paid on this account and my balance is {$400.00}, on my report is shows a balance of {$2300.00}. I have called them several times to fix my report, all they do is say you owe {$2300.00} and transfer me to XXXX XXXX and XXXX, when I call them they tell me I don't owe that much and they don't report to the credit bureau and that I have to contact SCS, it just keeps going back and forth. every time I make a payment my balance should decrease and it hasn't. it stays the same. I sent a dispute to XXXX on XX/XX/XXXX, they contacted Security credit services but they only reported {$50.00} what about the {$1800.00} I paid? if my balance started at XXXX how is it XXXX? especially with me making payments each month. I'm ready to pay this account off but i need accurate information on my report, this is hurting my credit score. I have receipts of payments and my balance. They need to fix this issue now or remove the account completely for reporting wrong information on my credit report. this is on all 3 credit reports, I need all my reports updated with correct information as soon as possible.
05/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27616	Web
On XX/XX/XXXX, I received a call from a debt collector representing Security Credit Services. The debt collector informed me that I owe them {$1800.00}. Not having any knowledge of this debt, I asked the debt collector to send me either a contract or/and accounting records that prove this debt belongs to me. Hence, I was told that said records would be sent to me and that it would be marked on my file that I have no knowledge of this debt. Thus, further collection attempts should have ceased until the debt could be verified. Today, on XX/XX/XXXX, I received another call from a debt collector representing Security Credit Services asking me to pay the {$1800.00} that is claimed to be owed. Keep in mind, I still haven't received any documents from this company that verify this debt belongs to me despite the previous agent telling me that the records would be provided. Lastly, this alleged debt is being reported on my credit report ( s ) and I disputed the debt in XXXX asking for debt VERIFICATION. That being said, I have asked this company for verification of this debt three times ( once in writing and two times over the phone ). Despite all of this, verification of the debt has not been provided and the company continues to negatively affect my credit score and contact me regarding this debt.
04/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60451	Web
On XX/XX/XXXX I received a statement from XXXX XXXX for a debt of {$160.00} ( which statement was dated XX/XX/XXXX ). I reached out to the original creditor XXXX XXXX XXXX, XXXX and asked why this went to collections considering my account was on auto payments. Also, why I was never given a notice that this account was going to collections or so much as a bill for this account. I was told there was nothing the company can do from a woman named XXXX. That I would have to reach out to XXXX XXXX because it had already been sent to collections. I wrote XXXX XXXX on XX/XX/XXXX explaining all of these things and asked : 1. The amount and time period of the alleged debt. 2. The full name and mailing address of the original creditor for this alleged debt. 3. Documentation showing how they verified that I am responsible for this debt, or a copy of any judgment. I also mentioned in this letter to cease attempting to collect on this debt until they had provided me with this information. On XX/XX/XXXX I received another statement from XXXX XXXX. I have sent this information to all 3 credit bureaus certified mail. With the exception of XXXX coming back because of the wrong address. Until XX/XX/XXXX I did not receive a response from XXXX XXXX who has informed me this is no longer under their company.
08/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94585	Web
NOTE : I am no liable for this account since my information was used by a family member, XXXX has sent me a " Lease agreement '' with date of transaction, with my " electronic '' signature not it. No hand written signature provided which does not prove I signed that lease. I have sent multiple letters to XXXX, XXXX, and XXXX in regards to this debt. I have asked them multiple times to " Verify '' this debt. The first time they have removed it. I believe a couple weeks later they have added the debt back on to my credit report, then removed then added, which has significantly damaged my credit score after hard work of building it. XXXX has done this multiple times which resulted in decreasing my score significantly. I have sent them a re-insertion letter, explaining that if they had already removed a collections account that is still " Unverified '' that it should stay removed under FCRA! I am currently in the process of getting this account removed from my credit report since, 1. I am not liable for it. 2. it is stopping me from establishing good credit. I have also contacted via letters the creditor directly so they can also verify this account. Debt is listed on all 3 of my credit reports under : Security Credit Services - Amount is {$820.00} Original Creditor 09 XXXX XXXX
09/13/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71201	Web
This company feels they do not have to follow the law. For months now I have tried to reach them via phone and only gotten voicemails, luckily I left my email Even though they are well aware this is not my account, they refused to remove the misinformation with out me paying for it which is extortion. Attached I have included some of the correspondence from their secretary that refused to forward my information to a supervisor. By federal law they have to send me a letter via us mail then allow me 30 days to respond after that they can post the account on my credit bureau but they chose to ignore the federal law and just post this information on my report with out verifying or validating the debt. I have disputed this misinformation with my three credit agencies They immediately respond with in days that the information is accurate, has been validated and I had made a payment directly to them, to make their lie more solid. This debt company gives all debt collectors buyers, and any other debt business a bad name they should be fined and or closed they act as if this is a game, they have cost me thousands of dollars, job oppurties, as well unnecessary stress. I filed a complaint early with the XXXX XXXX XXXX and this company has more than 113 complaints this year alone.
10/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10033	Web
On XX/XX/19 I went to see a financial counselor to assist me with a fraudulent account that was reporting on my credit report. We were able to contact Security Credit Services which is the debt collector with the account. The representative gave us the steps to take to resolve this issue : 1. File a police report 2. Complete an Affidavit for forgery and have it notarize 3. Mail out copy of ID 4. Mail to XXXX, all which I did on XX/XX/19. The representative said that I should hear back from Security Credit Services in about a week. I had not heard back so on XX/XX/19 I called back and spoke with a representative, after confirming the account number and reviewing the documents we emailed the representative confirmed that the account was closed due to fraud. She went on to email me a letter stating " Our records indicate that the account referenced above has been closed due to fraud. A request has been submitted to have this account deleted from XXXX, XXXX and XXXX. The update may take up to 30 ( thirty ) days. '' I went on to contact all three credit bureaus to confirm that the account had been removed from my credit report and until this day only XXXX has removed the account. I went on to dispute this and have yet to get the account off my XXXX and XXXX credit reports.
07/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA XXXXX	Web
This is the last negative on my credit report after winning a court case against XXXX XXXX bank who's Bi-lingual tellers were running a frauduent ring of crime from car stereos to even mortgages. I have contacted them multiple times. They moved from XXXX and sold it to another out fit called " XXXX XXXX XXXX XXXX XXXX '' and then it finally ended up with Security Credit Services. After doing my homework i quickly realized that all three business are using the same answering machine service with the same message that states they are too busy assisting other customers and to please leave a message. I left 10 messages and was never contacted then I sent a threatening email to them and they responded giving me the same phone numbers I had already been calling in a constant phone loop, They then told me they couldn't handle my case and then i said you need to remove it from my report and they said they had no way to anymore ( and I was even willing to pay it i'm trying to buy a house ). So they are running a complete racket and you will not be able to get a hole of anyone and if you sign up on their website you will be able to see your old debt but you can take no action because its been sold to security credit services who is NOWHERE TO BE FOUND OR CONTACTED!
02/20/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32839	Web
It was a account with XXXX XXXX. The account was transfer to Security Credit Service LLC. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that Security Credit Service purchased this account from XXXX. The manager at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. If the notice was on XXXX paid on XX/XX/XXXX. They shouldn't be reporting debt. XXXX they had XXXX XXXX collecting without knowledge.
10/19/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CO 80127	Web	Older American, Servicemember
Last Spring I noticed several weekly payments coming out of my account from XXXX XXXX XXXX. I called them and asked what this was and they couldn't give me any information as I didn't have an account with them. I asked them " why then are you taking out money from my bank account? '' They suggested I call my bank. I called my XXXX XXXX and they started an investigation and issued me a new debit card as that was how the monies were being removed. They reimbursed me all the funds. Sometime in XXXX I started receiving phone calls from a company that said they were trying to collect on the debt. I relayed the same info to them as above. They told me that they were emailing me information. I asked what email they were using and it wasn't mine. Something like XXXX???? I then called XXXX County Sheriff Office and spoke with a Deputy who said that this was a common ploy and that I should just tell the people who called that it wasn't my debt and hang-up. He also suggested I keep a watch I my credit report. When I looked today, I found a negative report from Security Credit Services in the amount of {$1400.00}. I called XXXX and disputed the report. They suggested I file a claim with the FTC.gov which I am doing today. Can you please help?
06/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	RI 02905	Web
Hi, upon checking my credit files I saw I have a collection account with Security Credit Services LL and it said the original creditor is XXXX XXXX ( both companies I do not know nor heard of ), I reached out to all 3 credit bureaus ( certified returned receipt ) and asked them for any documents they have on my file with this company, they sent me a letter saying that this account was verified as accurate by this collection company and to reached Security Credit Services LLC directly if I wanted more information. On XX/XX/2019 I sent them a certified letter asking them for any documents bearing my signature or any contract to see if someone stole my identity or what because I have not NEVER in my life opened any account whatsoever with any of them, they have not answered any letter and keep on reporting this negative account to the credit bureaus damaging my credit file. I want to buy a home in the coming months and when I went to check my file and this is what I found, now I have to litigate this knowing I have never opened any type of account with them. They never sent me any letter NEVER saying that I had a collection account with them nor to dispute this on 30 days, nothing at all. I want this deleted from all my credit files please.
03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 38118	Web	Servicemember
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found several inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX is missing -- COMPLETELY The history for XXXX is showing as 100 % PAID The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!
09/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30045	Web	Servicemember
Fraudulent account opened using my identity. XXXX XXXX XXXX allowed and individual to open an account using my SSN and address. The account was not paid, forwarded to collection agency, Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, Mississippi XXXX, XXXX. I was contacted by security credit services and asked to pay the {$1600.00} dollars. I refuted the charges, explaining I had never opened a lease to open account with XXXX, not do I have any knowledge of the account or anyone would would do so under my name. The collection agency asked several questions regarding name, address, drivers license number, and employer. The information used to open the information such as drivers license number and employer dis to match me information. I was told by the collection agency, someone would contact XXXX XXXX XXXX and inform them of my complaint and information not matching. I contact XXXX XXXX XXXX collections department at XXXX, they confirmed the photo drivers license and employer listed on record does not match. I was asked to complete Identity Theft Complaint and Affidavit, which I did. XXXX XXXX XXXX and Security Credit Services continue to report the account as belonging to me, affecting my credit report.
07/29/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AL 35404	Web
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
03/06/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 20112	Web	Older American
XXXX of XX/XX/XXXX I contacted Jormandy, a debt collection company I have been paying {$100.00} a month since XX/XX/XXXX for a balance owed of {$15000.00} to XXXX credit card. I asked for a deferred payment for a couple of months since I am not working and depend on my husbands income and according to my records my balance due to Jormandy is {$770.00}. My husband is in real estate and the situation with selling buying homes has left us borrowing money to pay the bills. My only income is my Social Security of {$1500.00} a month they denied my request and said that I could pay them from my SS check. I requested a balance due from them and now the balance due is {$6300.00}. Completely different amount than original mailed to me. On XX/XX/XXXX I spoke with XXXX and they informed me that I do not owed them anything, that on XX/XX/XXXX they sold my account to a debt collection company called XXXX XXXX and their phone number is XXXX. I called that number and it is no longer working and the debt collection company is no longer opened, Why do I need to keep paying if the original debt to XXXX is telling me I do not owe them any money? How can I close the account with Jormandy? Please help me out.
01/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	XXXXX	Web
XX/XX/XXXX a charge was made in my name at a furniture store in XXXX, Illinois called “XXXX XXXX XXXX XXXX” in the amount of $XXXX. This was unbeknownst to me. As you will see in the attachment, I didn’t even live at the address that was used when this happened. The leasing company that found an approval for this fraudulent transaction was XXXX XXXX, which is located in XXXX, New Hampshire. My credit report says that this account was officially opened by XXXX on XX/XX/XXXX while I was out of town working in XXXX, PA. Perhaps there was some sort of 6mo special that said no payments. I am not sure why that took a few months to show as “opened”. Even so, this account was not on my credit report until it went to collections in XX/XX/XXXX. I discovered this account when I did a credit report check on XX/XX/XXXX. I was of course shocked. This debt showed up under collections and the owner of this account was Security Credit Services, located in XXXX, Mississippi. I called each company from XX/XX/XXXX-XX/XX/XXXX to begin a dispute process. XXXX XXXX sent me the identity theft affidavit to fill out. I got a police report filed on XX/XX/XXXX. I also opened a dispute with XXXX on XX/XX/XXXX.
05/21/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80249	Web
Upon monitoring my credit reports using CreditKarma.com. I noticed that Security Credit Services had placed a negative listing on my credit reports. I immediately sent them correspondence requesting proof of debt under the FDCPA ( Fair Debt Collection Practices Act ) Section 809 ( b ) Validating debts. I advised that this was the XXXX I have ever heard of this debt. On XX/XX/XXXX I requested full debt validation and demanded the removal of negative reporting from all the credit bureaus. They have replied back on XX/XX/XXXX that they will cease all collection efforts and investigate this matter. However they continue to report inaccurate information on my credit reports. I am demanding they comply with FDCPA and remove this from credit reports until they can provide proof of debt and provide me 30 days to dispute. I never received any correspondence fromt this company before they negatively reported to the credit bureaus.In addition, the negative reporting they have done is very vague and deceiving to determine anything about the alleged debt. Also, I was contacted in XX/XX/XXXX by another debt collector that was unable to comply with FDCPA and apparently " sold '' it to this agency.
11/17/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	WV 26301	Web
On my XXXX, Seccredit has furnished information, re-aging a debt on my credit report. The original creditor was XXXX. They then removed the debt after they resold the debt. The original debt was over $ XXXX but once sold, it was inserted onto my credit report for the amount of {$4500.00}. Upon reviewing my report, my report reflects that i made payments from XX/XX/XXXX which is untrue as the date of last payment is stated for XXXX which is also untrue and is not even in the 180 period from last date of delinquency. They also state that the account status is open. On my XX/XX/XXXXand XX/XX/XXXXthe creditor ( same third party agency ) is listed as SecurityCred and states the original creditor, 09 XX/XX/XXXX. They do not show the date of last payment. Theyre not reporting accurate information and are pulling illegal tactics to re-age this debt. This collection is furnished under 625 ( 5 ) A and is using illegal tactics to re-age/furnish this debt hurting me. I have disputed with all 3 bureaus. Ive disputed twice with XX/XX/XXXX. I have demanded debt validation from the collection which have been ignored. This will be my last attempt then i will resort to taking this to court.
05/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91604	Web
The Collection Agency reporting false information on my credit file is not only unacceptable ( as i never engaged in a contract w/ my signature w/ them ) but is unlawful and violates at least 2 of many of the FDCPA rules and regulations. Validation of debt section 809 and unfair deceptive practices section 15 USC 1692f. FCRA section 609 / 610 Disclosures to consumers 15 U.S.C. 1681g ( a ) states in laments terms to provide this said information ( contract ) with my signature engaged with said company. Nothing has been provided. Prior collection agency was removed due to its unlawful reporting and now this new one is doing same. I owe this Collection Agency whom I never heard of NOTHING! ZIP! ZILCH! and somehow they remain on my credit report! This is now causing great emotional distress to myself and family a it is limiting my credit score and especially at a time of need and for absolute no good reason! If the CFPB is unable to right this wrong I will go to the FTC and sue for emotional distress up to 12 times! If you are unable to validate this assumed fairy tale debt and provide a contract WITH MY SIGNATURE by LAW then have it removed ASAP! Enough is ENOUGH!
11/19/2015	Yes	Debt collection Mortgage	Cont'd attempts collect debt not owed Debt was paid	TX 76036	Web
Security Credit Services continues to report an illegally obtained/fraudulent account. The original account, XXXX, was paid in full and closed on XX/XX/2009. This account is currently reporting positively to all XXXX bureaus on my file. Security Credit XXXX, without any prior warning, opens a NEW collections account from this old paid and closed account- and begins reporting it as an open, past due collections account. FIRST, I do not owe this money. This account was settled and paid in full in 2009 directly with XXXX. SECOND, this account is LONG past the statute of limitations in TX ( 4 years ). It is absolutely 100 % illegal for them to continue to report this. I just purchased a new vehicle in the last month, and because this illegal debt collector has added this account to my report, i was not only DECLINED for credit, but it SEVERELY and ADVERSELY affected my interest rate. Now, I have incurred damages as a result of this fraudulent collections account and will need to refinance my new vehicle loan as a result, once this is deleted. I will be pursuing additional legal action after this complaint has been addressed with CFPB, if necessary.
09/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30252	Web
Security Credit Services contacted me about a collection account from the appliance service XXXX , XXXX. They stated it was for small amount of {$39.00}. My wife talked to the representative and agreed to pay the debt as long as it would not be reported to my credit. The representative agreed and took the payment. This was the first phone call received from this collection company so no other attempts were made by them and none ignored on my part. Security Credit Service collected payment from me for the debt and proceeded to violate a verbal agreement, which is legally binding in the state of Georgia and still reported the collection to my credit as a PAID collection with a XXXX balance. How negligible to report a small balanced collection after a payment was received without fuss and we were told it wouldn't go to my report. Technically, I didn't received what I paid for and this is considered FRAUD. I'm will be taking legal steps to file in small claims court if this matter is not resolved and removed from my credit. A claim with my bank will also be made for the small figured amount since it's a fraud transaction if I do not receive what I paid for.
06/09/2022	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IA 52405	Web	Servicemember
Security Credit Services is a debt collector that bought my account from XXXX XXXX This account was opened XX/XX/XXXX and is being reported by security credit services as being opened XX/XX/XXXX. Its being falsely reported and the date is more than 6 years of a difference. I called the original card company and they told me when the account was opened but could not provide me with an email or letter stating this. I called security credit services and they asked me for my income, what bills I pay a month and other personal information and stated they no longer have this account. They told me it was sold to another debt collector but security credit services is still reporting it. How is this fair and legal? They are negligently ripping off consumers and falsely reporting arrogant dates to credit reporting agencies. I am a victim of fraud and they are parking this debt on my credit report unfairly!!!! Please help me figure this out. I also have XXXXXXXX XXXX XXXX on my credit report. It was also opened over 7 years ago. They also are changing the opened date to false dates. Saying the account is nearly 7 years newer than it actually is. Please help me!!
10/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60619	Web
In XXXX 2016, a collection account began reporting to my various credit reports by XXXX XXXX XXXX XXXX. The original creditor is listed as XXXX XXXX, the original and current balance are {$2000.00}. I do not know what XXXX XXXX is, nor do I have any idea why they think I owe them over {$2000.00}. I have disputed the account reported by SCS on my credit reports, through the bureaus, and even reached out to SCS themselves to dispute the account. I asked to be furnished with any records that would validate my liability for the debt they are reporting. They have not responded, yet have verified the account as accurate to the credit bureaus. Surely, if it were a legitimate collection theyd have proof to send me. Moreover, the report claims that I made a payment of {$110.00} in XX/XX/XXXX, yet the balance remains the same. In my dispute, I noted that XXXX XXXX XXXX has dozens of complaints against them on BBB, due to their sketchy, if not fraudulent, billing and collecting practices. I also noted that my first notice of the debt/collection was seeing it on my credit report, as neither XXXX nor SCS thought to inform me that they thought I owed them money.
04/17/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	FL 33147	Web
On XX/XX/2019, I have received an alert from XXXX that an account has been flagged as collections. The account was an old XXXX XXXX account. Previously, XXXX XXXX sent the account to another agency that was not authorized in the State of Florida. The company SECURITY CREDIT SERVICES placed account # XXXX on my report. The company, SECURITY CREDIT SERVICES did not notify me of the debt. I have checked my credit report consistently, and have never seen them until XX/XX/2019. I have also checked the US Postal Mail, and have not received any form of communication. According to the Fair Debt Collection Practices Act, a collector has to send you a written " Validation notice '' within five days of first contacting you. The notice has to state : How much money I owe, the name of the creditor I owe it too, and what to do if I do not think it is my debt. SECURITY CREDIT SERVICES has not done what they are required to do. They never sent any form of communication before they placed the debt in my file. They did not provide notice for me to dispute the debt or any portion thereof. Collection Agency is on Page 55 of the credit report obtained from XXXX
04/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 44306	Web
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on The credit bureaus have no respect for the laws. This has affected me as a single dad of XXXX children. Someone needs to hold them accountable for this
02/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 28052	Web
Received credit alert for collections on account that was paid off and closed from 2017. Followed the steps to initiate dispute. The account was paid via automatic debits from checking account. Last payment was debited on XX/XX/2017. Letter sent via XXXX to remove account debit authorization and to confirm last payment paid. Bank statements show the automatic payments through the end of lease and closeout. With my continued research, the original company has numerous complaints of not reporting accurate info. This has showed up with multiple debt collections and has been disputed. Tried contacting debt companies no one ever answers the phones at XXXX, XXXX, XXXX XXXX or any normal business hours you expect a legitimate business to answer calls. I have no credit dont use credit cards. Filing disputes with credit companies dont do anything just a waste because these companies dont do anything except string you and time out and report after our investigation the info is correct. There was nothing done, no research for accuracy, paper work supporting documentation looked at nothing. Just generic false statement we are investigation.
10/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11208	Web
I have been fighting with this collection agency for the past 6 months. SECURITY CREDIT SERVICES has reported to the 3 credit bureaus that I owe {$5500.00} with an account # as XXXX. I asked for proof and was provided some contract that does not have my wet signature & has some forged signature as well as a bogus payment history from my bank debit card that was reported stolen. My bank card/debit card was compromised and reported stolen which is the same card this company is showing was charged for their merchandise. My bank XXXX was able to refund me the money stolen from my account as it was investigated and proven stolen. I have tried several times to reach out to the company both written and verbally. I have also been harassed by this company with phone calls. Because of this being placed on my report It has ruined my life as I am not able to purchase a home. I have not been able to sleep and am suffering from XXXX due to the harassing phone calls. I am presently seeking legal action against the collection agency thus why I have filed a complaint with you the CFPB. I have exhausted all attempts at rectifying this situation.
03/09/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75126	Web
Purchase a ring from XXXX XXXX in XXXX XXXX XXXX XXXX, TX they used XXXX to finance. I paid XXXX XXXX {$45.00} biweekly automatic draft thought my XXXX XXXX XXXX account. I explained to Security Credit Service that the account was paid on the 1st call and 2nd call the rep said he would mark as dispute. When I called today to get additional information this person was rude/disrespectful etc. I ask Security Credit Service for the copy of the contract and the original amount. The young lady said that they do not have the original amount or the contract to call XXXX XXXX XXXX XXXX XXXX. She offered me a {$800.00} settlement and I explained to her that I have already paid this account I did not receive a paid in full since they was a automatic draft. This is the ONLY account that I have had with XXXX. I Called XXXX XXXX XXXX XXXX XXXX he said that they no longer own the account and did not have a copy of the original contract or amount. He said that Security Credit Service purchase the account to call them for the original documents and the amount. afterwards since I cant get anyone to help me I am filing a complaint.
08/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CT 066XX	Web
After speaking to multiple agents for XXXX and XXXX, they found I had enough reasoning to have the information closed and removed from my credit report. I have given the same information to XXXX and have been going back and forth with them on an account that does not belong to me that was opened fraudulently. I explained I have lived with my mother all my life and have never had anything in my name under my social and with proper identification they were able to confirm that what I was saying was the truth. XXXX has made this process very difficult as it has been months I have been trying to dispute this negative fraudulent information. It was only brought to my attention when my home lender caught it in my report when he tried to get me approved for a loan for a house I am trying to buy for my XXXX. It has delayed my process and they still refuse to cooperate and get the information removed and closed off from my report. They have continued to ignore my requests regardless of the information given or any reasoning. Security Credit Services Account # XXXX Collection opened : XX/XX/19 Balance : {$3200.00}
04/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 34982	Web
Opened an account with XXXX XXXX in XXXX XXXX XXXX, FL. was opened in XXXX then canceled this account the very next day by phone call to the sales representative, was told to email the wish of cancelation which was done the same day and by hand delivering a written statement of cancellation 2 days later to the sales representative XXXX in office. Nothing more was heard from this company until a few years later on or about XXXX when I had our credit pulled. I disputed with all credit bureaus, and it and it was removed. Now it is back on my credit report as of XXXX of XXXX as a new account. I have made every attempt to have this straightened out and removed, but XXXX XXXX just run me around to collection companies that are not in service and say that this account no longer belongs to them and gives me numbers that are no longer in service one being XXXX XXXX which is XXXX XXXX, the other is XXXX XXXX XXXX XXXX and finally now it is with Security Credit Services. I do not understand how the file can be removed and then reapplied years later by selling the account as default/delinquent when it was removed.
09/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92507	Web
In XXXX of 2020, a debt collection company named Security Credit Services notified me saying that I owe them {$2900.00}. When I tried to ask for information about this account, they were unwilling to give me information about it ; besides the fact that they have a signature that's supposedly from me & that they purchased the debt from XXXX XXXX. Numerous amount of times, I've disputed the account stating that they must have the wrong person because I am unaware of ever even applying for anything with XXXX. This account has been disputed 6 times, & still they are unwilling to remove this account from my report. I then took matters into my own hands & got help from a credit repair XXXX, & still nothing was resolved. This account is negatively impacting not only my credit score but also my credit report & it sucks because the debt they're trying to collect isn't even mine. I am in the process of looking for a new home, & knowing that this account is impacting me negatively is very discouraging. It makes it 10x harder to even consider getting a home when dealing with debt collectors who are like this.
06/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AZ 85367	Web
I was notified by my bank that my credit score dropped significantly, and a new account appeared on my credit report on XX/XX/2022. I have no idea who this person or company is. I checked XXXX and collected two addresses. They never contacted me and reported to the credit bureau only that I owed them money, in the amount of {$730.00}. I tried to dispute the report with the credit bureaus, but they said it was accurate information. My lawyer sent two letters to the company who had two addresses. One letter was " undeliverable '', and the other letter was delivered with no response. The company is SECURITY CREDIT SERVICES, OTHER COLLECTION AGENCIES, at XXXX XXXX XXXX, XXXX, XXXX XXXX - never called me, or sent me any mail. They also have another address for XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and contact phone XXXX. They reported doing business with XXXX XXXX XXXX. I requested documentation IF I owed them money, and I was never contacted, and never provided with any proof at all. My credit score has decreased, and the credit bureaus are stating that the information is accurate.
12/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72015	Web	Servicemember
XXXX XXXX XXXX XXXX XXXX XXXX keeps contacting me via email ( usually filtered through as SPAM ) in an attempt to collect for Security Credit Services on a debt that is beyond the Statute of Limitations as stated in their own collection attempts : " The law limits how long you can be sued on a debt. Because of the age of your debt, SECURITY CREDIT SERVICES , LLC can not sue you for it. If you do not pay the debt, SECURITY CREDIT SERVICES , LLC may [ continue to ] report the debt to any credit reporting agency for as long as the law permits this reporting. XXXX XXXX XXXX XXXX XXXX XXXX can not sue you on this debt and XXXX XXXX XXXX XXXX XXXX XXXX can not report this debt to any credit reporting agency. In many circumstances, you can renew the debt and start the time period for the filing of a lawsuit against you if you take specific actions such as making certain payment on the debt or making a written promise to pay. You should determine the effect of any actions you take with respect to this debt. '' Thier own reference number is : XXXX Account is listed as : Original Account # : XXXX
03/21/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DE 19713	Web
A few months ago, I received a call from my bank asking me if I made a purchase of {$680.00}. I never use that card s they flagged it. I told them not I'm still not using this card right now. My bank XXXX XXXX blocked the transaction. I thought it was over, however 30 days later I seen a collection on my XXXX account for the same amount. So, I looked into it. The company is called XXXX XXXX XXXX. I give them a call and they looked up this account they told me someone brought a phone in New York and sent it to an address in New York. I've never lived in New York. they also said the email did not match. XXXX XXXX XXXX told me they would look into it. Next, I called the company XXXX XXXX XXXX sold this debt to which is SECURITY CREDIT SERVICES, I asked to speak to a supervisor. The woman on the phone refused to let me speak to anyone besides her. So, I believe this company might be shady as well. I then called XXXX to file a dispute. After doing all this I've locked my credit report. But I need these false collections removed because it's hurting my score. I'm not sure what more I can do.
09/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 151XX	Web	Servicemember
The amount of {$8500.00} is being reported by Security Credit Services as in " Collection ''. This account has truly stumped me because it was originally owned by XXXX XXXX XXXX XXXX XXXX, which I believe from the bit of research that I 've done, was owned by the XXXX XXXX XXXX XXXX. The confusing thing about this debt is that it was recently opened a year ago but was never reported in collections before that by the original creditor or any other party. There was no letter to verify that I own the debt. It also states that I am a co-signer for the account ; I believe this to be untrue. I have contacted Security Credit Services to verify the debt and have also disputed it several times. I have also disputed it with XXXX and they have also refused to verify the debt, simply stating in the " remarks '' section as, " Dispute resolved : reported by grantor ''. I believe this all to be a breach of the FCRA ( Fair Credit Reporting Act ). I am now willing to take I would like to get this situation resolved as quickly as possible. Please let me know if you need any more information. Thank you.
07/31/2023	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	VA 23139	Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX VA XXXX ( XXXX ) XXXX sent a garnishment summons to my employer for a credit card judgment debt dated XX/XX/XXXX, filed in XXXX XXXX XXXX This is a 13 year old debt. This debt exceeds the time limit of the statute of limitations law of the state of Virginia. No notification was received for this garnishment. I received my paycheck with a {$700.00} unknown garnishment. Today I received a copy of the garnishment summons from my employer, filed in XXXX XXXX. The paperwork reflected the creditor as the above Jormandy LLC with a court hearing date of XX/XX/XXXX at XXXX XXXX. A hearing date in the future, 4 months away but a paycheck that is being garnished last week of {$700.00}. I am not an attorney but this seems to violate so many laws on so many levels. The debt is expired and even so I have not had the chance to dispute this debt or have I had the hearing as shown on the garnishment summons. I will be seeking legal counsel to assist further in suing this collection agency for unlawful collection tactics.
08/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32609	Web
A few weeks ago I got an notification about a debt that was placed on my credit report after checking in with my mortgage lender to make sure I was still on track. We found out the Security Credit Services had posted a collection on my report for {$1800.00}. I called right there in the office with my lender and asked for validation of the collection. I was told I get the validation in the mail. The only thing received in the mail was a paper saying who they were and that they had placed a collection on my report. That is not VALIDATION! I then sent a written request to validate this collection. Instead of getting the validation they have now reported it twice on the same report with very different dates after getting my letter of request for validation. This is getting out of hand and Im yet to get the validation. I am letting CFPB aware of this situation and will be sending out another request for validation AGAIN ; just in case they are responding back saying They never got a letter. I will also send the first letter that I sent to them along with the second letter.
11/09/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MA 01906	Web
Security Credit Services LLC Starting in XXXX law- suit against myself was filed by this company regarding a credit card debt. XX/XX/XXXX, I was facing a serious health treat was not working at the time, as I was starting XXXX treatment. At that time an agreement form was completed at the court outlining my inability to pay. in XXXX, once again they filed a petition, where according to court documents the case was dismissed after they fail to service. Security credit services transferred/sold to several Attorney groups. a few weeks ago, I discovered even after case had been dismissed, they had placed a lean on the home dated XXXX. Security Credit Services not only placed a lien on a home after case was dismissed also failed to update /notify the XXXX XXXX court to update system indicating case had been dismissed. Due to this action, I'm having a hard time applying for a loan. During the last XXXX weeks have contacted every attorney group involved with this case and none has any records whatsoever of this file/debt. I have also contacted Security Credit Services
07/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20603	Web
On XX/XX/2021 I realized I had a negative remark on my credit report made by Security Credit Services , LLC in the amount of {$1500.00} ( see negative_remark.jpg ). On XX/XX/2021, I sent them a registered letter via certified mail, requiring a signature of receipt, requesting competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. In short, I asked them to validate the debt they claimed I owed them and if they could not validate the debt they must request that all credit reporting agencies delete the entry ( see security_credit_services_letter.pdf ). I mailed Security Credit Services , LLC the registered letter to two known addresses and have yet to receive a response. The registered letters were sent by Certified Mail via USPS ( see certified_mail_receipts.jpg ). These letters are tracked and they show that they have been delivered, signed for, and received by a Security Credit Services representative. It has been nearly 40 days and I have yet to receive any response from Security Credit Services.
07/04/2016	Yes	Consumer Loan Installment loan	Taking out the loan or lease	IL 609XX	Web	Older American
kmart had a program to lease at there store I leased a tv total cost XXXX if I was to purchase it on the lease you had to pay at least the price of the tv in which I did and then I called them to come pick up the tv I no longer wanted it the said they could not pick it up but they had a recovery team that did that I said fine but I did not want any more payments made they said they would take care of that and they did months went by and they still had not pick up the tv and then they called one day and ask if was willing to pay a discount price to keep the tv I said no I already paid more than it was worth they made XXXX more offer that I refused never heard any more and know they have put me in collection for XXXX iam in process of rebuilding my credit so you know what this to my score by the way they to this day have not pickup the tv it is sittingin my garage they have place there claim with a company called XXXX XXXX l hope you can help me when you file a complaint with credit bureau they come back and say we check and they say you owe the bill thank you
01/13/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NV XXXXX	Web	Servicemember
XXXX XXXX XXXX this XXXX XXXX XXXX XXXX debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and XXXX XXXX XXXX XXXX ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.
05/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19134	Web
Security credit services reported a collection onto my credit XXXX of 2017 for something call tempo. I never received anything from them, but at the time did not know my rights to dispute, or request validation. A few months ago I filed a dispute and received what appears to be a print out of some form of contract from XXXX. First this does validate a debt. Its not the original contract with my signature. So over the past 3 months Ive called security credit services multiple times. Just trying to have a general conversation about the debt. Such as when the actual debt occurred because there hasnt been a sears around me for almost 4-5 years, so the 2017 date they have listed is nonsense. But once again I called to have a conversation about this alleged debt and I can not get anyone to answer during their normal business hours, or anyone to call me back from the messages I left. If your companies business model is to make money, why wouldnt you answer the phone? A quick search into their XXXX complaints shows this is a constant pattern with this company.
08/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CO 812XX	Web	Servicemember
I received notification from a seperate collection agency ( XXXX XXXX XXXX ) that I was sent to collections. I was notified of the charge in XXXX of XXXX, and the default on a loan was in XXXX of XXXX. This was the result of a fradulent charge and identity theft that I was unaware of until I received this notification. The current creditor os Security Credit Services Original Creditor was XXXX, XXXX XXXX Original account # Internal file to XXXX XXXX Balance : {$1000.00} Someone fraudulently opened an online loan in my name from a previous address that I had not lived at since XX/XX/XXXX. I reported to all credit reporting agencies and the collection agency. They said it was a legitimate charge and it is NOT! I provided documentation that showed I was living out of state in XXXX including by tax return and a paystub. They still refuse to remove it from my credit report. IT IS NOT MY CHARGE! After I called and left a voice mail with SCS, I have been overinundated with scammer calls and I am convinced they have sold my data for harassing solicitations.
04/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NC 28269	Web
On XXXX XXXX , XXXX ( via certified mail ), a letter was sent to Security Credit Services requesting documentation to verify the debt and prove my legal obligation to them for a debt they reported to the credit bureaus related toa certain account. I asked that all of the requested documentation be furnished with in thirty ( 30 ) days of receipt of the requests, and I advised if they failed to provide any portion of the requested documentation, all references to the accounts would need to be immediately removed from my credit files and any further attempts to collect should cease. On or around XXXX XXXX , XXXX , I received an incomplete response from the company, and, as such, on XXXX XXXX , XXXX , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial requests and all references to the accounts needed to be removed from my credit files immediately. To date, the company still has not complied with my initial request and has not removed this account from my credit files.
09/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 180XX	Web	Servicemember
Security credit services has verified a debt unlawfully and they have listed the debt on my credit report. I have emailed the company, and spoke with XXXX one of the supervisors and left many messages with their compliance department to furnish the required documents proving the debt is mine, and they continuously can not and will not give me the copy of any original contract with my signature showing the debt is legitimate, nor have they furnished me any charges that were made and for what, and any payments made to this account showing from the original creditor proving the amount is even correct. They refuse to follow the sate statutes and guidelines, AND companies that illegally run debt practices like Security Credit Services should be regulated and fined appropriately. I dispute this debt with this company and their unlawful actions validating the debt without the mandatory verification procedures. Please move forward with your investigation as i am also contacting a law firm to make a civil lawsuit against Security Credit Services.
10/13/2021	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	GA 30106	Web
Hello, I requested validation of an alleged debt from Security Credit Services on XX/XX/2021. I then responded back via certified mail requesting validation. This was not honored. I have not received validation after 2 attempts which span over 2 months. This is against the law. In addition, the collection letter does Not bare my name which i informed them of yet they still attempt to collect.. Furthermore, A collection agency by the name of XXXX XXXX XXXX sent me a letter to collect on behalf of Security Credit Services stating that they now own this alleged debt and that they will now be solely responsible for perusing it. However, Security Credit Services continues to correspond with me illegally. They are adversely affecting my credit rating with this invalidated, alleged account. I informed them that they must stop reporting this account to my credit reports while this account is in the validation stage Yet they continue to report it unlawfully. I wont this alleged debt off of my credit reports immediately.
12/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30319	Web
According to the FCRA, the information on my credit report MUST be is accurate, verifiable, and reporting timely and if not, IT MUST BE REMOVED! The past debt validation requests Ive sent they did not provide supporting documents. This account does not belong on my credit profile. My credit reputation is on the line due to their constant neglect for my credit and the FCRA.I am looking at my credit report right now and the account that I previously disputed with all three credit bureaus are still showing. XXXX XXXX XXXX could not provide documents with my signature. Since they are unable to supply legal supporting documentation that I am legally bound to pay them this account must be removed. XXXX XXXX XXXX couldn't show me legal proof that I have ever done business with them or have been associated with them in any personal and/or business matter.I will be left no choice but to file complaints with the Attorney General, Federal Trade Commission if this not deleted and removed from my credit profile.
10/23/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28146	Web	Servicemember
I had a collection placed on my credit with SECURITY CREDIT SERVICES, I contacted them several time to resolved it. I was able to talk to someone on XX/XX/2018 and settled the debit by paying it in full, only after repeated attempts to get a copy of the rental contract I sign. I never received the contract with my signature as I requested several times. I needed it to get off my credit as it was preventing me from gaining a home loan. I paid in full the balance as required and for accepting my payment in full they agreed to fully remove the collection from all three credit bureaus. I have received notification that it was listed as paid but still on my credit bureau and has not been removed as agreed to. furthermore I have requested proof that they sent a removal to credit bureau and as of today have not received this. I want them to live up to the deal that was agreed to. I am also contacting the XXXX, NC Attorney General and filing complaints prior to filing a small claim lawsuit in civil court.
01/15/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 283XX	Web
Original complaint XXXX, this was not taken care of at all. In fact the phone number listed does not work. Today we found out that Why Not Lease aka XXXX sold this debt to Security Credit and that was done on XXXX XXXX 2017. Now we received a debt letter which we received the XX/XX/XXXX, we had no idea what this was for so set a validation letter which was sent XX/XX/XXXX by certified mail, again nothing has been received at all. Today I woke up to Security Credit being added to my credit report ( XXXX and XXXX at the moment ) and has dropped my score significantly and I was set to buy a home. The agency that is servicing this for Security Credit is XXXX XXXX where the letter was sent to, when I called them today they confirmed they did get the validation letter and they have the response ready to be mailed but have not yet ( XX/XX/XXXX ) however someone placed this on my credit when I asked for validation. Also this debt which is not valid at all and was sold illegally to another company.
06/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28081	Web	Servicemember
XXXX charged me for items that I DID NOT order and expected me to pay with an insanely high interest rate and shipping cost. They would not believe me that I did not order these products. Total scam and they said that what I did order would be repo 'd and they would be sending " large '' men " in my area '' to come get them and I better have it all ready. I am not a small lady, nearly XXXX ft, but I am no match for the XXXX they were threatening me with. I was totally fine with returning and relinquishing those products to them though. Also happy for them to prepay shipping back, but I told them I could not prepay and they could take it out of my refund. They would not work with me. Anyway the " XXXX '' never showed up and this overinflated debt has been on my credit for at least a decade now. They would harrass me for at least 3 or 4 years and I tried to work with them. I got so depressed and felt like a theif, but I did not even have half of the merchandise they accused me of having.
08/14/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NY 114XX	Web
I am in need of help because I am being harassed by a debt collector who is repeatedly calling me after I told them that it was an inconvenient time to call me... but they didn't stop there. I have a recording of me telling them that it's a bad time to call me. I also have screenshots of them calling at the same time day after day making me feel uncomfortable. I looked up this law 15 USC 1692 which is the FDCPA and in section 1692c ( a ) ( 1 ) it says ( at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX antemeridian and before XXXX XXXX postmeridian, local time at the consumer 's location which means that if I told them that it is not a good time they should know that the time they called me was inconvenient They also violated me again under the FDCPA
12/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60827	Web
This company, Security Credit Services is bogus and finds accounts to pin on innocent people that have NEVER applied for the " said '' accounts. I have NEVER financed furniture and have an account listed for {$2500.00} since XXXX that is reportedly for a company that was a fly by night furniture company in XXXX and is no longer in business. I have contested it repeatedly and finally got it off of XXXX and XXXX but XXXX won't remove it for some reason. This company has not been able to produce ANY documentation of anything I signed, no copy of my ID, no proof of address where the furniture was reportedly delivered to. It's ridiculous and should NOT be allowed by these credit bureaus. I have attempted to reason with this company in the past to no avail. The XXXX is FULL of complaints about this company and is even marked as a high alert due to high number of fraudulent reports. This account is negatively affecting my credit file and I need to get it rectified asap. Thank you.
06/09/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06082	Web
Upon a credit check review for a mortgage qualification I was made aware of a collection account for Security Credit Services in the amount of {$1100.00}. I contacted Security Credit Services to get more information and was transferred to XXXX XXXX XXXX XXXX . The little information I was able to find out is the following : On XX/XX/XXXX someone opened a XXXX account under one of my old names. XXXX transferred the account to XXXX XXXX who sold it to Security Credit Services which hired XXXX XXXX XXXX XXXX . I told both XXXX XXXX XXXX & Security Credit Services that I never purchased or did business with XXXX and that the name used to open the account in XXXX has n't been my legal name since XXXX . I have asked both companies to provide me account documentation and to date nothing has been received. Also called XXXX and they showed no record of an account. I have filed an Identity Theft report with the FTC and a Police Report.
07/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92407	Web	Servicemember
A collection account appeared on my credit reports in XX/XX/2018. I sent Security Credit Services a letter on XX/XX/XXXX ( which they signed for on XX/XX/XXXX ), asking them who they were collecting for and that I would like to see validation of the debt they are reporting. They contacted credit bureaus of my dispute ( as I watched the dispute comments hit my reports ). But they FAILED to send me ANYTHING in reply to my request. They have seriously violated federal and state laws with their lack of response within the 30 days allowable by FDCPA, FCRA and Metro 2 compliance laws. ****ADDITIONALLY, THIS COMPANY IS REPORTING THAT I MADE PAYMENTS TO THEM IN XXXX AND XX/XX/2018. I MOST CERTAINLY DID NOT MAKE ANY PAYMENTS TO THEM. THEY ARE IN GRAVE VIOLATION OF MANY LAWS WITH THEIR INACCURATE, UNVERIFIABLE REPORTING. I am requesting that they immediately REMOVE this reporting from my credit reports and not sell to another collection company as they have not validated this debt.
09/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 74055	Web	Servicemember
In XXXX i took out a loan from a company called XXXX XXXX but soon after had health issues and loss of income which caused me to default on loan and loan was charged off. I had no contact with XXXX XXXX on this loan for over 6 years but did recieve offers for new loans from them. I did not accept any offer. In XX/XX/XXXX i checked my credit report and found a new collection account from a company called Security credit was placed on my report as an open account from XX/XX/XXXX. I did not recognize the account so i disputed its validity thru XXXX on three seperate occasions. Only after the third dispute did security credit send me a letter with originator information and ammount as well as an proposal to settle for 50 %. I have not replied to this as I was never been notified before loan was placed on credit report, and never had the opertunity to dispute this account. I am currently sending a cease and desist letter as outlined in the FDCPA and FDCRA to security credit.
11/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94536	Web
My identity was stolen in XX/XX/XXXX, which coincided with the birth of my XXXX child, making it very hard for me to spend the hours needed on the phone to try to fix my credit. Nonetheless, I was successful in removing all fraudulent accounts - or so I thought. Apparently an account with XXXX/XXXX XXXX XXXX XXXX was opened on XX/XX/XXXX, around the same time my credit was frozen. I had no knowledge of this account until I checked my credit report in XX/XX/XXXX and saw that there was a collection on it. I inmediately contacted the company, Security Credit Services, via email and phone. I was referred by them to XXXX XXXX XXXX, and spoke to XXXX, a supervisor. I sent them a copy of my police report as requested and verified that the account had been opened fraudulently. However, it has been a YEAR and they have failed to remove it from my credit report. I am now facing paying {$40000.00} in additional interest on a mortgage due to the ongoing effect on my credit score.
04/11/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02131	Web
My name is XXXX XXXX XXXX im writing you guys today because there is an inaccurate collection reporting on all 3 credit bureaus the company is SECCREDIT account number XXXX XXXX and XXXX both have this account as an open account which is against the law XXXX also is listing this account with past due balance and 120 days which is also a volition I tried to dispute with bureaus they verified the information but clearly this information is not accurate all 3 bureau information does not match and I want this account deleted from my credit report I attached a file so you guys can see that the information does not match on all 3 bureau and that transaction and XXXX are breaking the law by reporting this collection account as open also XXXX and XXXX have thisnkaited as a collection account with no name or company it just says collection account I would like this account removed asap possible this account reporting inaccurately has cashed me a lot of pain and stress
01/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48237	Web
XX/XX/XXXX I Contacted the following creditors by letters to dispute charges that were not mine, and I had no knowledge of them nor any verification. I asked for the debt to be removed. So far after the 30 days, XX/XX/XXXX I have not received any letters of verification from the following creditors and have sent another letter requesting for proper verification. The company 's have ignored my request. XXXX XXXX, sent a letter, however it was a letter stating I owe them and no verification on why. Each creditor has updated their information on my credit but all failed to send verification of why debt is owed. These collections are stopping me from buying a home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection : {$680.00} XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX Collection {$220.00} XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, WA XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$520.00}
05/10/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76017	Web
I did a dispute with the Credit Bureaus in regards to Security Credit Services and to validate with proof- ( something that contains my signature ) that I have a debt with their company ( Security Credit Services ). In stead on XXXX / XXXX / 2017 I receive a letter from Security Credit Services wit h a contract from another company by the name of XXXX saying the debt was mine. I DO NOT HAVE ANY TYPE OF BUSINESS OR CONTRACT WITH SECURITY CREDIT SERVICES. I HAVE NEVER HEARD OF THIS COMPANY NOR HAVE I EVERY CONTACTED THEM TO ATTEMPT TO DO BUSINESS WITH THEM. Security Credit Services is on my credit report erroneously causing damage that they should not be causing because I do not have a debt with them. Security Credit Services has nothing with my signature or anything showing that I have ever done business with this company. I will also be filing a complaint with the Consumer Financial Protection Bureau in regards to Security Credit Services.
01/14/2022	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	CT 06457	Web
On XX/XX/2022, starting at XXXX, I received multiple calls on my cellphone in CT from XXXX XXXX XXXX XXXX office in Georgia XXXX They are threatening to sue me on behalf of Security Credit Services. First they called me from XXXX and then multiple calls back to back from an unknown number. They were very aggressive and rude, stating they are going to keep on calling. During this same time within half an hour they even called my mother 's home phone in Maryland. I have disputed this debt and it was taken off of my credit report on a few of the credit reporting agencies, yet I'm still being harassed. The most upsetting part is that my mother is over XXXX XXXX XXXX and should have never been harassed being that she has never been used as a reference. They claim not to have my mailing address, which I instructed that I only do business in writing, yet they can track down my mother 's home phone number in another state that I don't even know by heart.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 43701	Web	Older American
on or about XXXX 2021, I asked XXXX to send me documentation that the account they had on my credit report for XXXX was mine. After many back and forth emails, they never sent the paperwork, I finally received it after I filed a dispute with the credit bureaus '. I co-signed a note for my daughter it seem. On XX/XX/2021, my daughter received a notice from XXXX that they would settle the account for XXXX. I paid this amount on XX/XX/2021 in full. The person I talked to was XXXX and the confirmation number is XXXX. She informed me I should receive an email confirmation with XXXX to XXXX hours from XXXX or XXXX which is the other name they use. This never happened and they are still refusing to remove the amount from my credit report. There is no reason for this to still be on my report except from the reviews I have read, they seem to feel they don't have to. As far as I am concerned, they are stealing my identity and ruining my credit.
01/16/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60622	Web
I was contacted in XXXX XXXX by XXXX XXXX XXXX, a collection company contracted by Security Credit Services , LLC to collect on a debt of {$1600.00} that originated from a fraudulent line of credit at XXXX XXXX. This line of credit was the result of identity theft that took place on XXXX XXXX, XXXX. I faxed a copy of the police report and a personal statement saying that the debt is fraudulent to XXXX XXXX XXXX on XXXX XXXX, XXXX. After I sent the fax I followed up by phone to XXXX XXXX XXXX who told me the debt had been marked as fraud and there was no further action needed on my part. On XXXX XXXX, XXXX, Security Credit Services , LLC reported the collections account to XXXX and XXXX and is now on my most recent credit reports. At no time has anyone from Security Credit Services , LLC tried to contact me. I 've attempted to contact Security Credit Services , LLC by phone and email and have not gotten a response as of XXXX XXXX, XXXX.
04/13/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	AL 35749	Web
I have had an account with a company called XXXX for over a year. I had a down turn and they offered a payment agreement to help me keep my account current. I recently checked my credit files and noticed a company called XXXX claiming to be collecting for them in the amount of {$1600.00} ( I only owe {$500.00} ). I immediately contacted the original company and they had never heard of them when I let the credit bureaus know and disputed XXXX immediately responded by removing their account, however, they re-submitted it under another name, Security Credit Services. I spoke with the original company again, and they explained it is fraudulent as other customers have contacted them about the same thing. I have disputed it again with the credit bureaus, but it still remains on my credit reports. This is fraud, as they have not purchased or gotten my account from the original company, who is still taking payments directly from me per an agreement.
09/26/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MN 554XX	Web
I have an account of {$750.00} with a service where I couldn't make monthly payments for. They sent this to Security Credit Services LLC as debt owe ( according to my credit report, it's Security Credit Services LLC who owns my debt account ). Security Credit Services LLC did NOT contact me at all to pay off the debt, instead, they automatically posted this on my credit report as an open account in collections. They then sold my account to a third party debt collector, XXXX XXXX XXXX. XXXX XXXX XXXX has been harassing me continuously to collect the debt. I paid my debt in full and was informed that I will have to handle this with Security Credit Services LLC to get it removed from collections on my credit report. I've left messages, called continuously, even wrote a letter to fight this. But I have NO response at all. Although the debt was paid in full, it still shows as an open account under collections and it's hurting my credit score.
08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29681	Web
I received an alert that my credit score had changed from a credit monitoring service. I saw a collection account with a company that I have never gotten calls from. I got a letter today from another credit collection company saying that XXXX XXXX XXXX has sold my collection account to XXXX XXXX XXXX. I called the original creditor on the letter. They would not tell me much. They suggest that I call the collection company. I called XXXX and they said the account was open onXX/XX/XXXX. They gave me two phone numbers XXXX XXXX and XXXX that was on the application. Those numbers are not my numbers. Then they gave me my SC number as a third number. Back in XX/XX/XXXX of last year, I talked to XXXX someone tried to open up a XXXX account in my name. This XXXX XXXX XXXX it now called XXXX is affiliated with XXXX. I tried to tell the collection agency and XXXX XXXX XXXX it this is not my account and its identify theft. They would n't listen.
09/08/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19038	Web
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) still remains on my credit report in violation of Federal Law. I tried contacting the 3 Credit Bureaus requesting a complete payment history with this account for me to review the exact date on which the late payments and collection were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part and failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
07/31/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77082	Web
This collection agency sued me for a debt that is not my debt. Another collection agency had this same account, and sold it to Security Credit. Security Credit filed on my credit report that I did this in 2019. The other collection agency dropped it after I disputed that this is not my debt please remove. So, I wrote the letter after being served to the courts that this is not my debt. How this collection agency received my current information is because I constantly disputed this account that is hindering me from so many things with false information. I had to submit my ID and Social to show that this account does not belong to me, and now they have my phone number and all of my personal information. Since I wrote the letter they are mailing letters wanting to settle, but I'm not settling for something that is not mine. I would like this removed from my credit permanently. Also, I would like the calls and letters to stop.
07/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60409	Web
I initated a dispute with the major credit bureaus as I have no knowledge of this account or collection the three credit bureau assured me that this information is valid and true regard Security Credit Services ( Debt Collector ) I then requested validation of the said debt via certified mail on XX/XX/2021 when the letter was sent to the address listed on my credit bureaus the mail was returned with no forwarding address confused I reached back out to the Credit Bureaus ( XXXX, XXXX, XXXX ) to dispute the incorrect information being reported with proof the the returned mail from said debt collector 's invalid address that was still being reported on my credit report to my surprise on XX/XX/2021 the credit bureaus stated the information was correct and followed FCRA regulations I have attached the copy of the returned mail along with receipt along with receipt of the certified letter that was issued on XX/XX/2021 2021
06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33068	Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX This company is listing a collection on my account that was previously removed by the original creditor. XXXXXXXX XXXX XXXX with account # XXXX was deleted from my file. now it is being listed under SECURITY CREDIT SERVIC with an account # of XXXX. The Fair Credit Reporting Act ( FCRA ) requires the credit reporting agency to notify you no later than five days after the date of reinsertion. Under 15 USC 1681i ( B ) ( ii ) this is a violation of my rights and under TILA LAW this is a major violation. They are also violating my rights under Pursuant to 15 USC 1681b ( a ) ( 2 ) this company is reporting an account without my consent. This collection being added to my file has hurt my report and I demand this account be removed and blocked from being reported. and under TILA VIOLATIONS I DEMAND VIOLATIONS PAYMENT OF {$5000.00} AND ACCOUNT REMOVAL ASAP.
08/18/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72204	Web
Security Credit Services Collection agency continues to violate the Fair Debt Collection Practice Act including several types of inaccurate and illegal credit reporting. The fraud related account currently is being reported by another collection agency by the name of XXXX XXXX XXXX for the same amount XXXX with a different open date of XXXX and Security Credit Services has a reported open date of XXXX which is considered inaccurate information on both agencies not to mention under the FDCPA no collection account can be owned by two different collection agencies which appears to be the case. I find this inaccurate reporting to be a clear violation of my consumer rights under the Fair Credit Reporting Act as well as the Fair Debt Collection Practice Act both of these fraud related accounts which never belonged to me should immediately be removed from all of the major consumer reporting agencies effective immediately.
02/23/2022	Yes	Debt collection Credit card debt	Communication tactics Frequent or repeated calls	TX 75068	Web	Servicemember
I have these companies ; XXXX XXXX XXXX XXXX XXXX Security Credit Services LLC XXXX XXXX PC They are attempting to collect an old debt that was placed as " charge off '' from XXXX XXXX XXXX more than 4 years ago. XXXX XXXX XXXXXXXX XXXX XXXX sets a statute of limitations for collecting debts. In Texas, debt collectors only have four years to collect a debt, and that limited timeframe means that debt collectors can not pursue legal action against a debtor if a debt is more than four years old. I have requested validation of the debt, contract of all parties that they own the debt, deletion of all reported to the credit agencies until this is totally100 % accurate, and cease and desist from all telephone communication and only by communicate with me by mail. They have failed to comply with all my legal requests, causing me and my family additional stress, suffering and frustration plus credit damages and costs.
12/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33027	Web
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USE MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED ALL LAW ENFORCEMENT AGENCIES AND MADE A CRIMINAL COMPLAINT I am writing to request and initiate a formal complaint against XX/XX/XXXX and XX/XX/XXXX CRA. On XX/XX/2020, I mailed XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXXto Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
05/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 324XX	Web	Servicemember
After reviewing my credit report on XX/XX/XXXX I noticed some items that I am not responsible for and I am a victim of Identity theft. The collection is attached below. SECURITY CREDIT SERVIC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % of this account is paid off Balance on XX/XX/XXXX {$1700.00} Original balance {$1700.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments Account information disputed by consumer Statements No Statements Contact info Name SECURITY CREDIT SERVIC Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. Dispute this account
02/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33142	Web
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize I reviewed my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was send out on this day. After reviewing credit report again on XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all the information is correct.
07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 92404	Web
Debt Collector Communications Concerning Identity Theft Section 615 ( g ) ; 15 U.S.C. 1681m ( g ) Section 615 ( g ) has specific requirements for persons, such as financial institutions, that act as debt collectors, whereby they collect debts on behalf of a third party that is a creditor or other user of a consumer report. The requirements do not apply when a person is collecting its own loans. When a person is notified that any information relating to a debt that it is attempting to collect may be fraudulent or may be the result of identity theft, the person must notify the third party of this fact. In addition, if the consumer, to whom the debt purportedly relates, requests information about the transaction, the person must provide all of the information the consumer would otherwise be entitled to if the consumer wished to dispute the debt under other provisions of law applicable to the person.
07/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 989XX	Web
On XXXX I received my dispute results from experian report number XXXX. { see attached X-1 } I had disputed the account from Security credit services account number XXXX for a major violation of the fair credit reporting act for re-aging the debt. Security credit services has validated the on record date of XX/XX/XXXX. XXXX also allowed this to remain on the record without properly investigating it. On XXXX I received my dispute results from experian report number XXXX { see attached X-2 } I had disputed the account from security credit services account number XXXX for inaccurate info but the on record date Until XX/XX/XXXX. Security credit services has willfully made false statements to XXXX about the age of the debt. XXXX has failed to investigate properly on my behalf and is in violation of the Fair credit reporting act. the debt has been re-aged and must be removed from all credit reports.
06/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21061	Web
A company by the name of Security Cred ( XXXX XXXX ) received a debt for me in the amount of {$660.00}. I contacted the original ( XXXX XXXX ), they told me that someone had applied for an account twice with all my information. The original company mark the account as fraud and told me to notify the debt collector. The company also said an account was never established. But when I made contact with the Debt collector, they stated an account was was open and used. I know no knowledge of this account and nor did it show up on my credit report as an open account until XX/XX/2021 under a debt collection. my credit score was heavily impacted by a loss of 43 points. I am also in the middle of refinancing my home which is affecting my loan approval. The company has made me jump through a lot of hoops and nothing is resolved. I filed a police report and Identity Thief Victim 's Complaint and Affidavit.
10/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77055	Web	Servicemember
I HAVE THREE FILES ATTACHED WITH THE CORRECT AMOUNTS LISTED PLEASE REVIEW CAREFULLY. THE BALANCE IS INCORRECT VIA DEBT COLLECTOR XXXX XXXX XXXX. I have below the original documents. I also paid them {$500.00} as my original deposit to process order. The original debt amount is listed as way lesser than the balance on my consumer report. Please review files. The debt collector has an inaccurate amount. The balance is inaccurate an needs to be deleted. Due to covid 19 I was not able to make ontime payments because of the shut down and and loss of work. I was able to resume payment but this balance is not correct. This item has been reported on my consumer report far to long at the wrong balance with all the inaccurate data please delete. This dishonesty has harmed my consumer report and it is against the law to report the wrong amount. Please review all the data and help as soon as possible.
09/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33579	Web
Security Credit Service is reporting a collection account into my credit report that does not belong to me. I don't know what that company it is and I never got any credit with Security Credit Service or with the original creditor : XXXX ( per description in my credit report ). I already disputed this account and the company haven't provided any documentation to confirm this account belong to me. Also I already file a disputed on my credit report but haven't not received any response back and right now this is affecting me in my home purchase process that I'm going through at this time. I need this account that I never owned to be removed from my credit report because this is causing a financial hardship, I'm in the risk to loose my deposit that I put as a down for my home purchase because of this ineligible account. I feel this is an abusive practice and a clearly UDAPP violation.
03/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 12065	Web
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681. 15. U.S.C 1681. Section 602. A States I have the right to privacy. 15 U.S.C 1681. Section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 08054	Web
This company is reporting a collection of XXXX with all three credit bureaus incorrectly. They claim it is from an apartment I used to live at, but after multiple conversations with the apartment company and multiple requests for validation for this collection company, proper validation has not been provided. I've reached out to the apartment complex this supposedly came from and they told me that they have no records of me owing anything prior to moving out. I paid my all rent owed prior to moving out and yet this collection remains on my report There is no account number reported. This is a direct violation of the Fair Credit Reporting Act and is unfair to have this continuous be reported against me on my credit. I have been unable to attain housing for myself all because of this. I am requesting this account be deleted and that this company request for removal to the bureaus.
11/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IN 46140	Web
On or around XX/XX/XXXX I received an email notification that I had a package ready for pick-up at XXXX. I was confused as I had not ordered anything and the label said " Hold at Location ''. The box contained an XXXX XXXX XXXX XXXX, which I did not order. I contacted the company that sent it, which is XXXX XXXX XXXX. They did not have an account for me and had no idea why I was sent a phone. Since the Federal Trade Commission states items not ordered but still sent can be kept or sold, I sold the phone on XXXX XXXX, XXXX. On XX/XX/XXXX I received a letter from a collections company named XXXX XXXX XXXX saying I owed {$1300.00}. Letter says original creditor was XXXX XXXX XXXX and the current company that owns the debt is now Security Credit Services LLC. I called my local Police department on XX/XX/XXXX and filed a report. Police officer advised it sounds like ID theft.
07/10/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30519	Web
I am a victim of id theft, I have disputed several of my accounts with the credit bureaus, XXXX XXXX XXXX XXXX, I have requested that they prove these accounts are mine, I asked for contracts with my signature on it, etc. The would simple respond that I need to contact them furnisher directly etc. They asked me to provide police report etc, First off I am a XXXX man in XXXX. I am not going to the police to report anything, I tried to get a police report done online but my local police does not allow that. I am asking you to get involved because the credit bureaus seems to side with debt collectors. Further more I asked the credit bureaus to correct my reports due to the fact that XXXX would delete a certain account on my file but XXXX will say they verified the account. so my profile is not accurate due to the fact that they are not reporting correct information.
07/26/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 89123	Web	Servicemember
I received a credit fil alert that I have a new collection on XX/XX/18. It was for {$410.00} from a company called security credit services. Last year I went to XXXX and purchased a kayak through a program called why not lease it. I paid for the kayak completely then I started getting emails from them saying if I wanted to keep the kayak I had to pay a one time fee of {$150.00} or return the item. I told them to pick up the item time went by and they never picked up the kayak. I called them they said they dont recover kayaks. I said then what do I do with the kayak there response was I do know. 6 months went by and I havent heard from them until I get the collection on my credit report. My score before yesterday was high 700 my score has since dropped 45 points. The companies involved are why not lease it and security credit services there contact number is XXXX
05/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 295XX	Web
I am making a complaint Security Credit Service that is known as XXXX.I have contact them on several occasion about this collection that they placed on my credit and explained my situation to them that my personal information was comprise and used to open up this account without my consent and knowledge and it could have never happen.They had agree to deleted it from my credit reports which in fact I checked my credit a few months back and the collection was removed and now recently it has been added back and I asked that it be permanent removed because it is affecting my credit and me from being able to get to where I want to be in life and it is not fair from me to have to pay a debt that was not created on my behalf and someone else because the company allowed someone else to use my information to open an account with my consent which is not right to me
05/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 064XX	Web
On XX/XX/2021 an account was opened using my identity by a company named Security Credit Services and has since been placed on all three of my credit reports as an account belonging to myself. I have no knowledge of this alleged debt and have never heard of such company. I tried on several occasions to make contact with Security Credit Services and on my third attempt, I was transferred to three different people who said they had no record of an account with my name. This has become a nuisance because this debt does not belong to me and I cant seem to get any helpful answers or rectify this situation. I have disputed with all three credit bureaus and XXXX XXXX is the only company to have closed the account ( see attached ). At this point, I am at a loss as to what to do to remove this company from continuing to report a debt that does not belong to me.
05/22/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95843	Web
This Company placed a Fraudulent account on my Credit & I have never dealt with or had any contact, did not open an account or owe Any money to. I received an alert from XXXX on XX/XX/XXXX that an account was opened in XX/XX/XXXX & I owed {$670.00}. These people then attempted to Call my Job on Several Occasions, they have been Told to immediately cease contacting me, my job & REMOVE this False information off my credit report. After looking at an old complaint & account that was previously removed from my report, it appears the Acct numbers used are the Same & this Company under a DIFFERENT name now is Attempting to place a false account on my credit & attempt to commit fraud my trying to get money from me, but now under a different Company name. I have filed disputes with all 3 Credit bureaus about this & also filed complaints with XXXX against them.
09/29/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA XXXXX	Web
On XX/XX/XXXX I entered into a MEMBERSHIP CONTRACT with XXXX ( XXXX FL ) a XXXX whole buying club, membership cost was {$5300.00} XXXX total cost {$7500.00} ), after the contract was signed I was granted access to the their inventory, however I quickly realized that the items I wanted to purchase were " no longer available ''. I short time later I got laid off from my job and was not able to make membership payments. Today SECURITY CREDIT SERVICE account number XXXX owns the dept which totals {$5700.00} and on my credit profile does not state that the purchase was made from XX/XX/XXXX it shows the date the debt was purchased from XXXX XXXX XXXX on XX/XX/XXXX. In the state of florida were he purchase was made the statues of limitation on contracts is 5 years I am requesting this debt be removed from my credit profile. Thank you XXXX XXXX
04/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19131	Web
on XX/XX/XXXX, I called Security Credit Services to find out about a debt in my name in the amount of {$2100.00}. After not being able to find me using my social security number they used the lookup by name. I was then told that the last four of the soc on file was incorrect which proved my point that the debt was not mine. I was then transferred to another company called XXXX XXXX and they also could not find me under my correct soc but could find me under the incorrect one. They said they would initiate a fraud investigation which I have yet to hear anything about. I also filed a dispute with XXXX and XXXX and found out from equifax that the debt was validated but they could not give me the information that was used to validate the debt. This is not my debt and was a online purchase done during a pandemic that can't be validated to me.
09/27/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	FL 33174	Web
Security credit services account # XXXX have no knowledge of this account. Account is not mine. I have contacted them and XXXX and all credit Bureaus. None have contacted me back with any documentation proving the account is mine as of the fair credit act. I have asked in writing and online for proof of documents and still have not received anything. It has beem months of me going back and forth with XXXX and other credit companies. I need this account off my credit. It has impacted my credit to have late payments and credit score is also impacted. XXXX keeps updating the account everytime i dispute it but they cant prove its mine and everytime i ask for documents proving its mine, they dont reply back with any information. I feel that this is neglegents from XXXX. The account needs to be deleted from my credit as soon as possible.
10/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web
XX/XX/2016 XXXX I have more than 3 months getting in touch with this company i send an affidavit with all the documents i was ask to send i have called and they told me that they did not recieve any document when i send everything this company asked me to sen by email i got an email asking for my las 4 digit of my social that is my evidence i have send letters to there office certified mail and i am still having problem with this company i called ask for a supervisor and i was told that i was going to get a call back no one has call me this is a balance that i do not know where it is coming from i send police report everything i have done step by step and nothing i don't get a letter a call nothing i need this company to please get in touch with me cause i have bot take nothing with this company that is showing in my credit report.
02/09/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA XXXXX	Web
Security Credit Services llc are helping the original creditor XXXX XXXX COLLECT A disputed fraudulent debt by putting two collection accounts acct no.XXXX and acct no. XXXX ON XXXX XXXX AND XXXX credit reports. Each account reflects a purchase of a sofa.Both sofas were defective in their construction and began to come apart after delivery.In less than several months both sofas had become rubbish for the trash heap due to poor workmanship, the screws or nails that the frames were held together with did not hold the frames together.When I approached the salesman at XXXX XXXX, HE OFFERED ME A XXXX DOLLAR condolence refund each on the sofas which I refused.Security CS works as the strong arm for XXXX XXXX who buys and sells junk products to the unsuspecting public for the typical price of what a sofa costs anywhere else.
07/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web	Servicemember
I declare under penalty pf perjury ( under the laws of the UNITED STATES, if executed outside of the UNITED STATES ) that the foregoing is true & correct to the best of my knowledge. Further I certify that I am permitted by FEDERAL & STATE LAW to file this dispute. I also understand that knowing & willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001 Additionally these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods services, or money & was successful in creating some accounts. All. is being investigated by the FTC
08/14/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29209	Web	Servicemember
In XX/XX/2016, I had XXXX XXXX and the apartment complex still charged me for the termination fees. I never got notice of this debt through the mail from the original company or the collection agency. I did not know this was a debt until I saw it on my credit report. I do not owe this money because I should have been protected under the servicemembers ' relief act AND the collecting agency never attempted to contact me to verify the amount accuracy ( amount is wrong ) and never tried to collect. They just closed the account. I contacted the three bureaus and they sent me a letter stating the account was " valid '' but could not verify the amount ( again, which is wrong ). I don't even have a statement or a bill from this company. I need this removed because this is negatively affecting my job and my livelihood.
10/26/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21144	Web
XXXX XXXX XXXX Original creditor : XXXX XXXX {$530.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Provided my letter 9 months ago that this account does not belong to me. and SECURITY CREDIT SERVIC Original creditor : XXXX XXXX {$2000.00} ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX referred me to XXXX XXXX Tel : XXXX on XXXX XXXXXXXX XXXX XXXXXXXX XXXX I contacted this collection agency and was informed that they have received my letter and report that this debt was fraudulent some 9 months ago but every time I demand that they remove it from my report they state that they can not talk to me unless I cancel my dispute. When I report it to the credit agencies, XXXX XXXX and Security Credit confirm that the accounts belong to me despite having my letter that these amount do not belong to me. and
06/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that Security Credit would verify the debt. So I took it upon myself to ask Security Credit for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
08/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32771	Web
I received notice from a credit bureau reporting system that my credit report was changed. When I investigated the I found a collection notice from a company called Security Credit Services for a rental/leasing loan that I did not take out. It was for {$1800.00}. I called them to ask to have it removed and they told me they could n't. I never receive any notification from anyone that this loan was owed which is n't surprising since the address, birth date, email address etc related to their account are not mine. Furthermore, the loan was opened in my maiden name which has n't been used in over 22 years. They are supposed to be sending me an affidavit to be returned with a police report, but they would n't tell me who the loan was actually with originally and that 's required for the police report.
04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	FL 321XX	Web
SECURITY CREDIT SERVICES A COLLECTION COMPANY, ILLEGALLY PLACED A COLLECTION INTO ALL MY 3 CREDIT REPORTING BUREAUS DAMAGING MY CREDIT FILE. THE COLLECTION IS ( XXXX XXXX, AMOUNT {$1500.00}. THIS COLLECTION WAS IN MY CREDIT REPORT OVER 7 YEARS AND UNDER FEDERAL LAW WHEN THE NEGATIVE REPORTING REACHED THE 7 YEAR, IT WAS DELETED FROM ALL CREDIT BUREAUS. ON XXXX THE ABOVE COLLECTION COMPANY AGAIN REPORTED THIS COLLECTION AS A NEW DEBT. ALSO THEY VIOLATED FEDERAL STATUES FOR NOT GIVING ME THE RIGHT TO DISPUTE THE COLLECTION WITHIN 30 DAYS AS REQUIRED BY LAW, THEY JUST WENT AHEAD AND REPORTED THE COLLECTION INSTEAD AGAIN. IF THEY WOULD OF FOLLOWED THE LAW OF GIVING ME THE RIGHT TO DISPUTE THE COLLECTION, IT WOULD OF NOT BEEN REPORTED FOR THE 2ND TIME TO ALL 3 CREDIT BUREAUS DAMAGING MY CREDIT
10/17/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 32244	Web
XXXXrequest to Security Credit Services LLC to verify the debt at address XXXX XXXX XXXX XXXX, XXXX MS XXXX *Letter returned to sender as refused//unable to forward XXXX2nd attempt letter to validate the debt Security Credit Services LLC at address XXXX XXXX XXXX XXXX, XXXX MS XXXX XXXX XX/XX/2018 @ XXXX no response received from the company I sent letter to Security Credit Services LLC requesting them to validate the debt . My attempts have been returned or no response from the company. The amount showing on my credit report is $ XXXX.I reach out to all credit bureaus to see what method did they use to verified the debt since I received no response. I only received a letter back stating that it was accurate and verified again.This have been almost a year and no communication from the company.
10/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 23321	Web	Servicemember
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within 30 days, or any verification of these alleged debts from XXXX XXXX XXXX which is a violation of FDCPA. XXXX XXXX XXXX has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe XXXX XXXX Services, nor any party that XXXX XXXX XXXX claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that XXXX XXXX XXXX remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.
08/07/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77041	Web	Servicemember
In XXXX I purchased a dog through this company we agreed on {$2000.00}. They auto drafted the funds from my bank and verified accounts. In XXXX I was admitted into the hospital for XXXX and lost my job. I had not contact. I had an ongoing investigation with my work to grieve my job. This company did not allow me to enter my new bank account during the pandemic time period and now overcharged me. Can we please dispute and delete this from my report. I reported to the company multiple times. They have harassed me and threatened to charge me {$8000.00}. I have no contract nor a signature to owe this amount of money. I have been asking for information to read any contract. During the pandemic they stopped contacting me. I need help deleting this {$6600.00}. I did not omit to these charges.
04/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30039	Web
XXXX XXXX XXXX XXXX is currently reporting this collection as open and still attempting to collect on this debt after written verification was sent via email. XXXX XXXX was the customer service representative who informed me that I they do no provide documentation to verify a debt and that it can only be by payment only. I contacted XXXX XXXX on XX/XX/23 and have the email conversation still on file. Spoke with several representatives over the past week and when I ask for verification to be sent they either hang up the phone, transfer the call to a long cue hold or act like they cant hear what i am requesting and disconnect the call. The email sent to XXXX XXXX demanded all communication to cease but they still continue to contact me and deny they can not provide me with documentation.
04/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48235	Web
Security Credit Services Company has violated several of my consumer rights by attempting to re-age an alleged that they claim I owe. Security Credit Services also never notified me of my right to dispute the debt or their intent to report the debt to the credit bureaus. When attempting to validate the debt with the company they did not provide sufficient documentation to validate the debt and blatantly ignored my concern about the date reporting that the account opened on my credit report and other inaccurate information reporting on this alleged debt based on documents submitted by them. Security Credit Services is also not registered in the state of Michigan where they are attempting to collect the alleged debt and it is required in Michigan that collection companies be licensed.
10/25/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44146	Web
On XXXX-XXXX-17 I faxed a cease and desist letter to security credit services @ XXXX. The letter also states if any negative information is placed on my credit bureau reports by their agency after receipt of this notice, that this will cause me to file a lawsuit against security credit services. I requested that ability security credit services send me all the information I requested to validate this debt and they failed to do so. I requested quite a few things from security credit services and they failed to do so. There is 2 accounts that this collection agency is harassing me about REF # XXXX. Public Laws 95-109 and 99-361, also known as the FAIR DEBT COLLECTION PRACTICES ACT, that there services are no longer desired. I need signed documentation with my signature on it.
08/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60626	Web
I was a victim of identity theft. I wrote to the company on XXXX XXXX, 2017 and told the collection agency that I was a victim of ID theft. On XX/XX/XXXX, I got word they reported a collection to the credit bureau and the result I went from a XXXX credit score to XXXX. I have made repeated calls and no help. They informed me that anyone could claim identity theft and that I would either need to pay it or it would stay on my report. I have written another letter today in hopes of resolving matter. I tried to file police report back in XX/XX/XXXX but was met with the attitude that it was n't worth my time. They had bigger crimes to solve. That was disheartening. I am now documenting all my letters so that I can create a chain of evidence. They claim they never got my last letter.
09/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33067	Web
Got a letter from Security Credit Services , LLC to collect on an account that I did not know even existed. Apparently a company called XXXX XXXX opened an account in my name sometime 2017 with stolen personal information and credit card. I sent a letter regarding more information as I suspect this a 100 % a ID/Credit theft but they did not give me any response. My credit reports all show a rating of excellent with an absolutely perfect history. XXXX XXXX or Security credit services , LLC has yet to give me any information or evidence on this money I owe. I have never shopped at XXXX in 2017 or any year for that matter nor did I have ever used a/ANY loan service at " XXXX. '' This is a ID/Credit scam they have gotten from me and I want to get this out of my credit report.
09/05/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account in question in the amount of $XXXX that you have been reporting negatively on my credit report without proper notice. You do not have permission to contact me by physical mail, phone, nor e-mail. All documentation may only be uploaded through this portal. If you cannot provide adequate documentation showing that I have ever done business with Security Credit Services with my signature on it than you must remove this negative tradeline from my credit report at once. Once again you do NOT have permission to contact me by phycial mail, e-mail, nor phone.
09/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75007	Web
Yes i received a letter in mail about an account I never had or new anything about Im idenity theft victim and this keep happening over and over i have credit lock checking account lock. Every couple months someone is contacting me about a debt i know and i can prove i didnt have. This account XXXX XXXX XXXX. I guess they sold this account to SECURITY CREDIT SERVICES. ACCOUNT # XXXX. I looked up this XXXX XXXX but i cant get any info on the account about when it was open and where can u please check into this. I never had this account. I just filed bankruptcy this year because of stuff other people did. Someone got car insurance and a vehicle in my name XX/XX/XXXX its so many account credit cards, checking accounts and I dont know what else to do. My phone # XXXX
02/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 389XX	Web
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
07/06/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33056	Web
have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXXand currently now. It 's been less than a year 11 months to be exact and counting coming intoXX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of EdXXXX, Security Credit Services, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit againsXXXX XXXX & the creditors for breaking several FCRA laws.
02/22/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 92377	Web
On XX/XX/2019 I receive a letter from Security Credit services alleging that I owe them a debt for {$7000.00}. I quickly responded on XX/XX/2019 with a dispute letter saying please provided proof that I owe ( SCS ) any amount please show agreement that I owe. ( SCS ) receive my letter on XX/XX/2019 I have enclose my dispute letters in the attachment below They have failed to validate debt that allege that I owe and show proof that they can collect in my state and show proof that I owe this debit. I sent out another dispute letter on XX/XX/2019 stating you must show proof of debit I owe and validate proof, they have failed to show proof and fail to respond to my letter. I have enclose tracking # in my dispute letter and dates that they have receive my letter.
05/15/2017	Yes	Debt collection Auto debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	VA 23831	Web
Security Credit Services ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX , MS XXXX - {$9800.00} This was Auto Loan with another company by the name of XXXX XXXX XXXX . Upon me trying to make my credit situation better I had no idea what this company ( Se curity Credit Services ) was because this is not the original creditor. I disputed this debt and now they are listing it as if its a new debt noted XXXX due me disputing it. This is a old debt from XXXX ; by law they have to go by the date it originally defaulted with the creditor. I was never told that this account was being sold off to another company. This is really disappointing when I am truly trying my best to better my credit situation.
03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	DC 20001	Web
I was a victim of identity theft, and i'm not sure how my credit keeps getting compromised however i need this off of my credit IMMEDIATELY!!! I have already filed a police report an a FTC report for this Incident and I've also filed a report with the 3 credit bureaus ( XXXX, XXXX, and also XXXX ) for this account. ( Security Credit Services ) ( Account # XXXX ) ( opened on XXXX XXXX According to the FCRA 605B of congress you'll have to comply with these Regulations of having this collection account closed and removed, and if not, I will be taking ( Security Credit Services ) and also ( The three Credit Bureaus ) to court seeking punitive damages of {$1000.00} per occurrence. Thank You and I look forward to an instant resolution to this matter.
07/16/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 49423	Web
Security Credit Services added a debit that is pass the statue of limitations. It appears they purchased my debt from tempoe/why not lease it which had the debt on my report for 7 years then it was removed. Security credit service added it back and when i try to contact them i dont get any response. They are not the original owner of the collection. They also list payments that was never made. They said i made a payment of {$220.00} but i have not aid anything. The original amount was {$1300.00} and that is the current balance so that shows no payments was made. Also they are making false statments about me being late when i didnt even know anything about them having the collection or that i was supposed to make a payment so how can it be late.
07/10/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48917	Web
I previously leased merchandise through XXXX XXXX XXXX XXXX via our local XXXX store. When the store announced they were permanently closing, I went into the store and paid off the remainder of my lease in XX/XX/XXXX. It wasnt until XXXX when I discovered there was a balance owed placed in my credit report. I reached out to the original creditor, XXXX XXXX XXXX to no resolve. They told me I needed to send them receipts as proof. Why would I still have receipts years later?! This account was then sold to security credit services. Ive previously reached out to them as well with no resolve. I have disputed this charge multiple times yet it is still showing as bad debt on XXXX and XXXX ( was removed from XXXX in XXXX ). Ive paid this debt already!
07/09/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 10465	Web
The purpose of this credit repair letter is to inform you that the derogatory accounts on my credit never had my permission to go through my credit report and I have asked them to remove any negative actions from my credit. Some of these accounts like XXXX and security credit services were contacted by me, explained and sent proof that these acts are not mine XXXX because I was no longer living at that property and had called and canceled all services and Security Credit I was a victim of identity theft. Since I did not authorize these companies to obtain my credit report, I demand that these items be removed immediately and and my credit score be adjusted accordingly. I appreciate your attention in this matter. Respectfully, XXXX XXXX XXXX.
12/21/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY XXXXX	Web	Servicemember
I pulled my credit report and saw two entries for the same company Security Credit ServicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. One entry was for a collection account of {$910.00} and another same company for {$1100.00}. I tried to contact on the company on XXXX/XXXX/XXXX and they told me that I was well aware of what the debt was for and that they needed my ssn and my current work location. I refused and told them to remove this erroneous entry, was put on hold for 23 minutes, when i finally hung up. I haveno idea what this collection debt is and I want it removed from my report immediately. I am a XXXX XXXX XXXX veteran and I am trying to buy my first home within the next 15 months and this false entry is really hurting me.
04/29/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30080	Web
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX I # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX.
06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36109	Web
On XX/XX/2017 from Security Credit Service in the amount of XXXX it added a derogatory mark on my credit report per XXXX XXXX.Upon further research this account was transferred / sold and I am not responsible for the account as I have stated to them before and they have yet to send any type of documents to back up the charge. Debtors creditor did not verify this collection. also there was no written form of communication contract or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and says that it is mine.According to the FCRA, ( Security Credit Service ) has violated my RIGHTS AS A CONSUMER AND IM REQUESTING legal action to remove these account immediately.
05/25/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95843	Web
I am uploading additional information to this company about my complaint. On XX/XX/XXXX, I received an alert from XXXX that this Company reported an account on my credit report stating that I opened an account inXX/XX/2021 with them and owe {$670.00}. I have no knowledge of and did not open, nor do I have any account with Security Services. I have filed an FTC report which I am attaching, as well as disputes with the credit bureaus. I received several phone calls at my JOB, and repeatedly informed these people that 1 ) do not call my place of employment. 2 ) I do not & have never had an account with your company and do not owe you any monies. 3 ) Remove this information off my credit report immediately as it is false and fraudulent.
08/23/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	KY 40505	Web
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
03/19/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MN 55904	Web
I was contacted by XXXX XXXX XXXX on XX/XX/2020 stating that I owed {$2300.00} to a company called XXXX for an XXXX. I was confused at first and then stated to them that I never made this purchase. I filed an identity theft report with the FTC and sent letters to both XXXX and XXXX XXXX that I did not make this purchase and that I was a victim of identity theft. They sent me a lease agreement that I have never seen and it did not have my signature, but a digital signature with an address that I never lived at or recognized. I looked up the address and it is for a hotel. So without a confirmed address or Social Security number or drivers license how can a legitimate company give someone property in my name and expect me to pay for it.
01/20/2017	Yes	Credit reporting	Incorrect information on credit report Account status	OH 440XX	Web
I settled an account on my credit report ( Security Credit Service ) in XX/XX/XXXX and XXXX is still showing open. After viewing this I disputed and it was not handle properly. The report came back as the account was mine, but this was not the dispute. I requested them to close it account was settled. It is still being reported as open. I contacted Security Credit Service and they informed me that they submitted that the account was closed and they did not put in a last report of XX/XX/XXXX pass due XXXX days, but it is on my report as such. XXXX continues to improperly report the credit information and refuses to recognize the settlement. The other CRA 's ( XXXX and XXXX ) has it listed as closed from my credit report immediately.
08/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NE 68516	Web
My account with XXXX XXXX XXXX was referred to a collection agency in XX/XX/XXXX. I finally paid off the full debt, via payroll deductions, in XX/XX/XXXX. Now, over two years later - XX/XX/XXXX - a debt of {$320.00} appears on my credit report from Security Credit Services ( a new, different collection agency ) saying that the debt originated with XXXX XXXX. I have tried contacting Security Credit Services but the only phone number listed for them goes to a voicemail message promising a call-back that never comes. In fact, I have never heard from them. Online investigation shows this company has a deep record of erroneous collection action. This debt has been paid fully in XX/XX/XXXX and needs to be erased from my credit report.
07/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75241	Web
I have disputed this account with XXXX, XXXX and XXXX. I have sent them proof of address for the time that this account was opened fraudulently in my name yet the account keeps coming back verified. The account address, is linked to an address that I have never lived at before. Although I provided them with an expired Driver License ( obtained ) during that time, a voter 's registration card, and bank statement, all with the correct address during the time the account was created, they will not remove the account. The company did send me an some sort of contract showing that the account was opened online, however the address does not match any address I have ever lived at. SECURITY CREDIT SERVICE Original creditor : XXXX XXXX
07/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 355XX	Web
XXXX XXXX XXXX ( acct # XXXX ) has contacted my by phone, letter and email with threats to garnish my check and to have papers served to my house. I have not open an account or gave permission to open the account. I took the account to my doctor and they do not recognize the bill. They informed me that it must be fraud.. The harassing phone calls has caused stress for something I have not knowledge of. I research as much as possible and phone out its fraud. I want these accounts removed from my credit file ASAP! I have contacted a lawyer about a lawsuit for the harassing phone calls with threats. I recorded some of them. There are 3 accounts don't know the number to one of them but two of them have the same account number XXXX
03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CT 06514	Web
I recently checked my credit report and found a collection on my credit which was deleted by the law office of XXXX XXXX XXXX. I received correspondence from the collection company once and was told the debt is mine and I was responsible for paying it. I have two fraud alerts which were established with the credit bureaus in XXXX and XXXX however the same company continues to shop this debt to a collector attempting to collect on it. This fraudulent transaction was in XXXX and I have included a screen shot where I previously filed a complaint with the CFPB concerning this attempt to collect on this fraudulent debt which is reporting on XXXX XXXX, XXXX, XXXX. This account has since been sold to Security Credit Services
03/27/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85323	Web
I am a victim of identity theft. The tradeline, which appears on my credit report from SECURITY CREDIT SERVIC/ XXXX XXXX last reported XX/XX/2021 in the amount of {$1300.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both SECURITY CREDIT SERVIC/ XXXX XXXX XXXX and have not received any reply back
03/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48219	Web
I noticed something wrong on my credit report I notice a company by the name of Security Credit Services was listed and stated that the account was opened XX/XX/XXXX and closed XX/XX/XXXX and I supposedly owe them {$1400.00} which is not true at all, I have no clue of what this is.So I sent security credit services a dispute letter on XX/XX/XXXX thru certified mail and they responded with a letter stating that the account was verified, How? it's not my debt, there is nothing with my signature on it making this phony contract legit I then contacted my lawyer and she told me to file a complaint with CFPB because the documents they sent me is not valid and those documents does not validate anything so here I am. Thanks
09/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 94568	Web
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.
07/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web	Servicemember
A collection account is showing on my credit report from SECURITY CREDIT SERVICES. I have no knowledge of this company. I have never entered into a contract with this company. I disputed this account with the credit bureaus and has comeback on certain reports as verified as belonging to me. I have also requested written proof that I owe this debt. I requested via dispute, the name, address and phone number of the person that verified/validated this debt. To date, I have not received this proof. I am requested a signed contract showing that I have entered into some kind of agreement with SECURITY CREDIT SERVICES. I am in the process of trying to purchase a home and this collection is prohibiting me from that.
02/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92887	Web
I received an alert from XXXX XXXX that a debt was sent to Security Credit Services for collection on XX/XX/2022. XXXX XXXX helped me look through old accounts and I found that someone bought a phone for {$780.00} through XXXX XXXX XXXX and apparently used my information. The company XXXX XXXX leasing is the company that sent me to collections. I spoke with someone at XXXX XXXX. She said it was to purchase an XXXX XXXX. But the address and telephone of the person was not the same as my information and she said thats all She could tell me. I have tried to contact Security Credit services at XXXX. No one has returned my calls. They also sent this information to. XXXX and XXXX which is messing up my credit.
02/18/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	SC 291XX	Web
I bought a mattress from a local company. The mattress was {$600.00} and i put down {$200.00} and auto with draw for the remaining {$400.00} broken up into payments of {$100.00}. i paid the remaining {$400.00} in payments and the company stop auto debiting my account. Eight months later a company called Security Credit Services. I reached the company with a debt Validation letter and still no response. The letter was sent certified mail with proof. They are currently ruining my credit and not trying to work things out. I do not own anyone nothing because i paid my debts with the original creditor and tried to work things out with the collection company instead they rather report inaccurate information.
09/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30340	Web
This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. The company responded asking if I was aware of the debt I once again responded that I have no affiliation with them and got no response. The name of the company is Security Credit Services. They have reported this negative information to all 3 credit bureaus and are on each of them twice with two separate amounts. The first one was reported XX/XX/2020 in the amount of {$810.00}. The second one was reported XX/XX/2020 in the amount of {$2000.00}.
08/08/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 76017	Web
On XX/XX/XXXX Security Credit Services placed a collection account on my credit reports. I read to wait for a Right to dispute or dunning letter. It is now XX/XX/XXXX and still have not received an written communication from them. I have tried calling the number on their website for consumers multiple times. I have never had anyone answer. usually the line just keeps ringing. I tried to dispute with the bureaus, but all they do is tell the bureaus it is valid with no validation. I am very concerned as I have had Identity theft issues that may have caused this account. I know that both federal and Texas laws require this written notification. I need to see validation or it needs to be removed.
04/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76067	Web
I noticed a collections on my credit report on ( XX/XX/2021 ) for the amount of {$300.00} The account was opened on ( XX/XX/2021 ) apparently. The lender was a company I've never heard of, Claiming I took out a loan in a different state. The lender refused to cooperate with any investigation as to who opened an account with them in my name. The lender will not tell me what the loan was for, or show proof that I was the one who opened the account. Apparently whoever opened the account had my SSN and that's good enough for them. It's an obvious scam. The Lender assures me that if i just give them a little bit of money they will go away and I won't have to worry about them any more.
03/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 181XX	Web
I submitted a complaint ( XXXX ) on XX/XX/2022 to the CFPB regarding debt collection by Security Credit Services , LLC ( SCS ) of a fraudulent account of which I became unaware. On XX/XX/2022, XXXX XXXX, Support Services Manager, of Security Credit Services , LLC ( SCS ) responded to the CFPB regarding my complaint. I thought the issue was resolved at that time. However, in a letter, dated XX/XX/2022, from XXXX XXXX XXXX ( XXXX ), I was informed that SCS placed my account for collections with XXXX XXXX XXXX ( Reference Number XXXX ). This is simply a fraudulent scam perpetrated by two collection agencies and probably the original creditor, XXXX XXXX, XXXX. that needs to be investigated.
01/13/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33034	Web
I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
08/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19023	Web
On XXXX XXXX 2015 I went to a store " XXXX XXXX XXXX ''. I talked to salesman by the name XXXX. He sold me a mattress, and a box spring for {$280.00}. The address of the store was XXXX XXXX XXXX XXXX, XXXX, PA, XXXX. He took my information and told me about a free program through the government that helped low income people get a new and better bed. I did n't even need to fill out any paper work. Turns out this was a fake program. He used my information to take out a loan in my name. Furthermore, he shipped me a cheaper bed than the one I picked out out and paid for. Also, please note, He set up automatic payments for this bed. But it is linked to an account at a bank I have never used.
06/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44105	Web
Security Credit Services is stating they purchased a debt from a company called XXXX XXXX XXXX XXXX. Attempted to explain original creditor is XXXX. Security Credit services stated they are the same company but operate under a diffrent name. I asked them to provide a document that I signed but they said they couldnt do that unless I was starting a fraud investigation. Told them my uncle is an attorney and he stated under section 623 the debt collector and original creditor has to provide valid proof of said debt. I want to see a signed copy of the contract That shows my signature. Not a billing statement or any computed generated form. A signed documents with proof of my signature.
02/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34952	Web	Older American
My XXXX credit report showed a collection item from Security Credit Svcs with a phone number of XXXX, the phone is a recording who never calls back. The company placing that collection, was XXXX in XXXX, XXXX. They said an online purchase of a phone on XX/XX/2021 was made with a XXXX XXXX XXXX, that was not mine, through XXXX XXXX and shipped to an address that was not mine. When the account was not paid, the collection item appeared on my credit report as well as my XXXX account. We both filed an identity fraud dispute on our accounts. In addition, we have filed an identity fraud complaint with the police department, and will be following up with the Federal Trade Commission.
04/05/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 750XX	Web	Servicemember
i received a notice from XXXX about a collection on my credit from security credit services llc! i have never entered a contract with them, they were rude and threatened to sue I've disputed the item with all three bureaus. then mysteriously i received a letter from yet ANOTHER COLLECTION COMPANY thats collecting for them, XXXX trying to collect this debt and offering a lesser payout! I have never done business with them either and they too have been extra aggressive i feel my rights are being violated! The Fair Debt Collection Practices Act prohibiting debt collectors from " using any false, deceptive or misleading representation in connection with the collection of any debt
04/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY XXXXX	Web
According to the Federal Debt Collection Practices, the information that this company is false, I have never dealt business with this company never heard of this company that is reporting that a account they are reporting on my credit report saying Open Balance in XX/XX/2022, how is it even possible to be reporting something open a collection, Second I need a Validation Of Debt, Also I need something with my signature also, and last and important this company thats trying to collect anything Ive never heard of this company I have never dealt any business with this company so how did this company get any information on me and that is a violation of the Consumer Protection Act
04/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 88007	Web
Debt collection company is trying to collect a old debt that is passed its statute of limitations time period. It was already disputed and taken off my credit file which I believe was XXXX. Which I believe makes the debt fraudulent if further pursued. Collection agency threatened if debt is not paid it will result on my credit file again which was already disputed and taken off my file about XXXX months ago roughly. The debt dates are also inaccurate stated the debt was XXXX/XXXX/2018, Realistically the debt dates are inaccurate and passed the 7 year statute of limitations, debt amount is : {$310.00} XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ID XXXX XXXX
01/04/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web	Servicemember
I received my credit report for all three bureaus and noticed that Security Credit Services was reporting that I owe a charge off balance of {$1100.00} for a Company called XXXX leasing company. I only leased an amount of {$530.00} for a furniture company called XXXX XXXX XXXX, and I have paid XXXX XXXX over {$600.00}. for the lease and was told by XXXX that my by out amount was only {$140.00}. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NH XXXX Customer Support p : XXXX \| XXXX f : XXXX \| XXXX XXXX : XXXX m-sat : XXXX XXXX est sun : closed Purchase was made XX/X/2016 for {$530.00} Reporting to credit bureau Security Credit Services {$1100.00} Security Credit Services XXXX
04/18/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem with product or service terms changing	MI 48219	Web
I received an update from XXXX XXXX stating that there was a collection added to my report. I reviewed it and was alarmed at the results. It is from a company that underhandedly purchased my account, without my permission, and made no efforts to collect on the balance. The original account was with XXXX which was another scam. I contacted XXXX back inXX/XX/XXXX( twice ) and again inXX/XX/XXXX in making efforts to pay this bill. No attempts were made to debit the amount owed, which is why I called. Next thing I know I am blinded by this negative result on my credit report. I called this company and I got the complete run around. The last person even hung up on me.
07/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	OH 43219	Web
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
10/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MS XXXXX	Web
On or around XX/XX/ Security Credit Service post my account with the credit bureau without my permission. In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my Federally protected consumer rights to privacy and confidentiality under 15 USC 1681. This is against the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Security Credit Service did not have my permission to disclose any of my personal information without my written instructions. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
02/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89141	Web
On XX/XX/2017, Security Credit Services was reported and added a derogatory mark on my credit report per XXXX XXXX in the amount of {$2400.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA, ( Security Credit Services ) has violated my rights as a consumer and I am requesting legal action to remove this account IMMEDIATELY.
09/27/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
32 days ago I mailed Security Credit Services a notarized debt validation letter for an account which is on my credit report. Based on certified mail tracking information from the United States Postal Service this letter was delivered and left with an individual. 32 days have passed, and Security Credit Services has neglected to respond to my debt validation letter. In addition, Security Credit Services forwarded this account to the credit bureaus without first notifying me of the account and my right to dispute the debt within 30 days. Security Credit services has violated two laws outlined by the FDCPA and this account remains on my credit report unlawfully.
05/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	AL 350XX	Web
In or about XX/XX/2017 we went to XXXX outlet store to purchase a mover. We put money down and financed the balance with " Why not Lease it '' two weeks later we returned the item because it was not working properly. The sales person was preoccupied with another store worker and he took the item back and said he will contact the financing company to cancel lease. A week later the store closed permanently. We assumed it was all straighten out. Now the leasing company sold my account to Security Credit Services. They have put this on my credit report as a collection. I called them ans explained what have happened. They still want this ridiculous amount of XXXX
10/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
I have disputed Security Credit Systems which is on my credit for an account they claim is through XXXX XXXX. Since i have disputed this as not mine they provided documentation from a company from XXXX XXXX and the documentation does not have any indication that it belongs to me or that i signed an agreement with XXXX XXXX. No Signatures, the information is all typed out and does not prove that I have an agreement with either of these names. This makes 3 names total. I need this removed from my credit as this is hurting me and they have called threatening to sue me and sending different letters/people to my home harrasing me of this debt that is not mine.
08/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NC 28215	Web
For years this company has been reporting the account listed. They continue to post this account on my credit reports for years to make it seem as if this account was opened recently in fact that is not true. I need proof of any documents they have showing where I opened an account with them on XX/XX/2019 immediately which I have never been provided no mail or electronic communication at all that proves this accounts belongs to me, which they are also required to furnish and after multiple attempts they have not furnished any documents. Security credit Services Original Creditor : XXXX XXXX Amount ; {$1800.00} Date OpenedXX/XX/2019 XX/XX/XXXX/XX/XX/XXXX
08/25/2015	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	WA 993XX	Web
Security Credit Services contacted me about an old debt. The debt amount was for {$2300.00} and I agreed to set up payments of {$100.00} a month. I asked for statements in the mail for verification and also I wanted the paper trail. I never received a statement in the mail and when I looked up my credit report it showed the debt amount as {$7900.00}. I have tried to contact them by phone to no avail. I have stopped my payments on this debt as I think I am being scammed. My credit report now shows that I am missing payments to the debt to which I want removed so I can figure out what is going on here without it reflecting negatively on my credit report.
10/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30318	Web
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 to 45 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
04/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75040	Web
SECURITY CREDIT SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$610.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2023 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
09/12/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33467	Web
Security credit services XX/XX/XXXX {$770.00} when I check my credit report couple months ago I was this company on my report I sent a letter to verify onXX/XX/XXXX to verify the debt no answer back on XX/XX/XXXX I sent another letter still no answer I started disputed to credit bureau the still updated it but every single mail I sent return unable to delivery trying to called the number listed on my report can available. I ask the credit bureau to reinvested still come back with the same answer, how come Im not able to have the validated the debt but the can verify with XXXX I would a further investigation about this debt please and the company
05/08/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	PR 00915	Web
By XX/XX/2021 a credit card account and a credit line was opened under my name with XXXX XXXX XXXX XXXX leaving a debt of {$40000.00} and another debt of {$280000.00} I have made several disputes and XXXX does not want to resolve the matter in my favor PRESENT AFFIDAVIT FTC REPORT I sent letters to the Collection agency and the bank I have exhausted all my resources to prove that This was a fraud in my report there is erroneous information such as addresses numbers XXXX does not resolve my matter with all the proof that I have filed a complaint with law enforcement agencies I need help as this was identity theft and they are fraudulent accounts
03/12/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 015XX	Web
Security Credit Services is attempting to collect a fraudulent debt. They have listed an account on my credit report for {$890.00}. They are not licensed to collect debts in the state of Massachusetts in which I am a resident. In XX/XX/XXXXI sent written notice via certified mail requesting validation of debt and 93A Demand Notice informing them of their illegal activity. They failed to reply. In XX/XX/XXXX I sent a 2nd notice via certified mail 93A Demand. They failed to reply. In XX/XX/XXXX I sent a 3rd notice via certified mail 93A Demand. They failed to reply. They are unlicensed, reporting illegally and attempting to collect illegally.
03/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 770XX	Web
I have been trying to to dispute and remove the erroneous claim of debt owed to security credit services a collection agency that claims I owe them from an original debtor XXXX XXXX In the amount of XXXX XXXX dollars for a loan that was taken in my name without my authorization or knowledge. I have contacted the collection agency and sent over to them a police report of an ongoing investigation that has lead the evidence of atleast one person stealing my identity. I asked that the company promptly and immediately remove the account due to fraud. The company has also failed to send me any evidence and or proof that this account belongs to me.
11/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	LA 708XX	Web
Dispute letter have been sent out regarding the debts in question, have received any documentation within the 5 days stated by law. I am a human being my name is XXXX XXXX, I feel totally disrespected bu the credit bureaus. i have a right to privacy. I also have an issue regarding Investigation Consumer Report, once something has been deleted it cant be placed back on my report unless some confirms it as being accurate. So who confirmed the accuracy and whom did the credit bureau speak with concerning the Investigation of Consumer Report. I never authorized the Inquiries on my credit report. My information appears to have been comprised.
01/30/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 10027	Web
Hello My name is XXXX XXXX XXXX, I am trying to taking an old account of mine out of collections. The original collector is XXXX XXXX XXXX. They say I owe XXXX. However when I call them to settle this account they say they sold it to XXXX, when I contact XXXX they say they sold it to XXXX XXXX. And when I call XXXX XXXX they say I have settled this account. As of today XXXX XXXX is still being reflected on my credit report under collection. Please advise as to what I can do to have this old account that apparently no one has to be removed off my account. Please advise. My number is XXXX XXXX XXXX XXXX XXXX XXXX. Thank you so much.
01/25/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80210	Web
According to my XXXX XXXX report a company known as Security Credit Services is reporting to my credit report that they are trying to collect a {$4700.00} debt. I have never received written notice about this debt. I don't know what it's for. If it is legitimate I haven't been notified where payments can be remitted. A read a lot of reviews from this company that said they don't send written notices they just show up and try to sue people. What recourse do I have and what can be done? This isn't legal right? It was my understanding that you need to be notified within 10 days of them mounting collections against you, right?
11/25/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	FL 32073	Web
I called in and spoke with a respresentative by phone.XXXX and he was not able to work out arrangements with me. He mispronunced my name I advised him I was considering bankruptcy but I wanted to work out arrangements. XXXX then told me he will set up arrangements after I spoke with his supervisor for XXXX then he came back on the phone. Asked for my phone number and email and I advised that I would not be able to provide that information. He can only notify by mail only. He refused to take my payment arrangement after I told him I would report the business to CFPB. I will be looking to take legal action based on this call.
10/18/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 711XX	Web	Servicemember
On XX/XX/2019, I mailed Security Credit Services a letter for validation of an account. On XX/XX/2019, I received a computer print out that did not contain any original documents validating the debt. There were no signatures associated with this documentation as well. The balance within the print put documentation shows as {$1400.00} and my credit report shows a reported balance of {$2300.00}. As this company is alleging a variation within their information. I am hereby requesting on the grounds of improper validation, that the collection by Security Credit Services be feleted from my XXXX, XXXX and XXXX credit reports.
09/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48238	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/24/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AR 72019	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
08/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 92683	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/15/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77090	Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
04/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NH 03079	Web
I have an account from a debt collector named Security Credit Services that is reporting a collection for {$1600.00} on my personal credit reports with XXXX, XXXX and XXXX. This debt is not valid and per a dispute with the original creditor, the account was supposed to be recalled from the collection agency as of XX/XX/2019. As of XX/XX/2019 this information is still listed on my credit reports and came back as verified when I opened an investigation with the credit reporting bureaus. See attached for documentation from the original creditor that this debt is settled and should have been removed from my credit reports.
10/31/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91764	Web
Security Credit Service Orginal creditor : XXXX XXXX : BALANCE {$2600.00} XXXX XXXX XXXX ; Orginal Creditor : XXXX : Balance {$250.00} I am victim of identity theft, the information listed above, which appears on my credit report, does not not relate to any transactions that I have made. it is a result of identity theft. I did open another FRAUD INVESTIGATON CLAIM with XXXX, XXXX and XXXX for immeditlay removal. Addtional to that, all three credit bureaus has a previous police report on file and idenity theft report from previous fraud collections that was on my credit reports once before. ( please protect my identiy )
04/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 497XX	Web
In XX/XX/2017, I discovered I had been the victim of fraud. Someone used my information to lease two tv 's through a XXXX store in Virginia. After speaking with the leasing company, filing a police report, filing a XXXX complaint, and submitting a complaint to the CFPB, XXXX XXXX ( the original creditor ) acknowledged that this was a case of fraud, told me they bought it back from the debt collector it was sold to, and removed the account from my credit file. However, I have now discovered that Security Credit Services, who bought the debt from XXXX, is still reporting a {$1500.00} balance in collections with XXXX.
03/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23602	Web	Servicemember
Security Credit Services placed two derogatory accounts on all three of my credit reports without sending me a notice to verify or validate this alleged debt. XXXX XXXX XXXX previously sent me a notice in the mail about this debt in XX/XX/XXXX. On the XX/XX/XXXX, I sent a letter via certified mail for validation and there was nothing sent to me within or after 30 days as requested. Security Credit Services then places these derogatory accounts on my credit reports without proper validation. I found this to be extremely unprofessional. Without proper validation, how can you place something on someones credit report.
02/23/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 339XX	Web
XXXX XXXX Last 4 Ss # XXXX DOB XX/XX/XXXX Security Credit Service Reporting a account on my credit on behalf of XXXX XXXX a company that Was already disputed several times and removed from my credit report because whatever or whomever they are is trying to collect from a fraudulent account they are aware that I'm a victim of identity theft and they keep attempting to collect on a debt that I don't owe. I'm in the mist of purchasing a home and if this dropping of my credit score affect that for a fraudulent account this will also serve as a notice of Suit for injury caused by Security Credit Service and XXXX XXXX.
07/28/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OK 73107	Web
I filed an credit verification request pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act ( FDCPA ) regarding an debt that is claimed to be mine. The company responded with information that belonged to a XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for XXXX XXXX, XXXX. It also included their banking information. The verification also included an explanation of Calculation of Surplus or Deficiency for an XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The company didn't comply with the law and my request but instead sent other people documents which is an big problem due recent identity thefts etc.
09/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90802	Web
I am a victim of identity theft .This collection agency is not only reporting fraudulent account but also aware that is account is fraudulent in deed. I sent my police report and my FTC affidavit that i received from the Federal Trade Commission. They keep verifying this fraudulent account and are not reporting to my dispute. I have never had any goods or services with them or their affiliates they are knowingly and willingly reporting this fraud. They have caused me great damage and embarrassment also with emotional distress. They dont respond to my disputes and keep verifying this fraud to the credit bureaus.
06/09/2023	Yes	Checking or savings account Savings account	Problem with a lender or other company charging your account Transaction was not authorized	VA 20109	Web	Servicemember
My 2 savings accounts have been frozen pending garnishment on XX/XX/2023 for a debt through Jormandy Security Credit Services. The accounts end in XXXX and XXXX and are XXXX accounts. My accounts only income are from military retirement, VA XXXX and long term XXXX through XXXX. I have contacted the company to inform them that my income is from protected sources and sent them evidence from my bank statements. They said they are investigating but I am unclear on why my funds werent released immediately upon proof of evidence. My income is strictly retirement and medical XXXX and I need my funds available asap.
06/27/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I have sent letters on XX/XX/2023 to all 3 credit agencies stating this specific collection on my credit is FALSE and is not mine. I have also have been disputing this off my credit since it just magically appeared in my credit in XXXX of 2023. I have absolutely NO knowledge of this collection. I tried calling the company who put the collection on my account their line is disconnected. And there are MULTIPLE reviews on their site stating the company is fraudulent and puts false information on people credits. I have done EVERYTHING possible to get this removed from my credit this is hurting my credit score.
05/03/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	KY 404XX	Web
Original creditor was XXXX the account was closed due to car broken into and identity theft and was to be investigated by creditor then XXXX took over XXXX and did not continue investigation I continued to pay on it till Hardship from XXXX and a sick husband with XXXX suicide attempts in 3 month period he lost his job Family hit with XXXX and Dad passed away I had XXXX going on my plate to be able to deal with all this and Now a lawsuit was placed and a lien on my property. I was not given a detailed charge of credit card They lie about amount owed and lied said I did not respomd and I have proof I did.
07/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	WI 531XX	Web
Re : XXXX XXXX ( XXXX report number ) # XXXX my Social security # XXXX my address : XXXX XXXX XXXX. XXXX, WI. XXXX ( XXXX ) XXXX Email : XXXX unresolving Issue Re : SECURITY CREDIT SERVICES Account number XXXX Account type Collection Date opened XX/XX/XXXX Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. This account is continuously reporting negative account information the above account has been included in my bankruptcy XXXX XXXX filed XX/XX/XXXX and was discharged XX/XX/XXXX in case number # XXXX this information keeps reporting and experian keeps reporting it as negative information
09/24/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 62221	Web
On XX/XX/2018. I received a notice that a collection account from Security Credit Services was on my credit report from all 3 credit bureaus, XXXX, XXXX, and XXXX. I have disputed it with the 3 credit bureaus. My account is on alert for fraud, and this may be another one of them. I didn't receive a 30 day notice, and I was not aware of this debt. When asked to validate this information, and how they got my account, and if I authorized them to this account, contract, date it was open, closed, amount due, etc They were not able too. I sent a letter to them to have them validate this collection account.
05/08/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	LA 708XX	Web
I received a notification through my XXXX XXXX credit monitoring that a new account was added to my credit profile on XX/XX/2019 by Security Credit Services for the amount of {$1200.00}. According to my credit alert, this account was opened on XX/XX/2019. I have been diligently working for the last 5 years to repair my credit and this account has dropped my score almost 50 points. I have not received any form of communication about this debt, what so ever! There is no identifying information about the source of this account ; aside from the fact that I haven't opened any new accounts in OVER 5 years!
11/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
Around the beginning of XXXX, 2019 I noticed a collection account was added to my credit report. I never received a letter of any debt owed from this company or from the original creditor for that matter of any debt owed, prior to this collection being placed on my report. To my understanding they should have sent a letter giving me 30 days to dispute this, or pay it, if it belonged to me. I have no knowledge of this belonging to me. On XX/XX/XXXX, I sent this company an email asking them to remove this from my credit report, I never received a response from them. Email from me is attached.
06/13/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 151XX	Web
A collection appeared on my credit report from security credit services in midXXXX. I have never received anything from them regarding this collection. I have called them every single day beginning XX/XX/XXXX in order to attempt to get them to verify the debt. They have yet to answer the phone & I have left a voicemail each day requesting that they return my call. They have yet to do so. I have also sent a letter, dated XX/XX/XXXX and have yet to receive a response. It is unfair that this is on my credit report when the company is making it impossible to verify and/or resolve the debt.
05/10/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28358	Web
Security Credit Svcs recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made Security Credit Svcs aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
09/23/2018	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	VA 23238	Web	Servicemember
In violation of 15 U.S. Code 1692g, this stated company without Validation and Without any type of Notice, Contract or otherwise, placed two collections on my credit report. I do not know who they are. They claimed on the credit report that these accounts were opened on XX/XX/2018. No account was opened with them on XX/XX/2018!!! This derogatory and unfounded information has been filed with ALL the credit reporting agencies. It is illegal to place unvalidated information on a person 's report therefore, I want these accounts removed in its entirety. Also, a fraud alert is on my file.
11/07/2023	Yes	Vehicle loan or lease Lease	Repossession Loan balance remaining after the vehicle is repossessed and sold	UT 843XX	Web
I was turned left and the light was red the car that was going strat at the intersection was going fast enough to total my car. At the time of the accident I was covered through XXXX who says I wasn't even the cop verified the insurance verification. It was towed to a lot. Apparently I was supposed to have it towedto my house. Security service said when it got to the lot they reposted it and sold it as a branded title. I had gap insurance but they charged me for the timekt was spend in the tow yard. I was not provided any information about it being demanded to file a XXXX XXXX XXXX
01/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 325XX	Web
My identity was stolen in XX/XX/XXXX. In XX/XX/XXXX someone purchased a phone from a company called XXXX XXXX XXXX. This was fraud, I disputed it at the time. It went to collection in XX/XX/XXXX. The amount is {$1000.00}. The collection company listed on my XXXX is Security Credit Services in XXXX, XXXX XXXX I phoned them to let them know this is fraud, and they forwarded me to XXXX XXXX XXXX who they say owns the debt. Ive made them aware, and filed a dispute with XXXX. XXXX recommend I let the FTC know so they can help me as well. Please contact me with any questions XXXX. Thanks
04/20/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30144	Web
I am a victim of Identity Theft and have supplied the credit bureaus with the proper reports as well and placed locks and fraud alerts on my credit reports. I have never done business with security services or the company that they are attempting to collect on behalf of. I was notified of this account on XX/XX/19. They have failed to acknowledge my concern and notify the credit bureau that this needs to be removed. My rights under FCRA are being violated. I already am dealing with the identity theft in itself and on top of it, I know have this fraudulent company tainting my image.
09/03/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Problem when making payments	AL 35405	Web
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
07/13/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11229	Web
call this company ( Security Credit Services ) several times to no avail l was told name and address giving them does match their record, l was told l made {$1100.00} payment last month l told them to provide me proof that l made this payment they declined. l believes Security Credit Services doing an illegal act to re-age a credit account by declaring that l made payment. And they could not ( Security Credit Services ) provide me proof of payment Security Credit Services must remove this account from my credit profile. Account Number : - Creditor : - XXXX SECURITY CREDIT SERV
04/04/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	FL 34761	Web
This debt is for a table that I purchased. When I received the item, the table was missing the legs. Multiple times, I attempted to return it, the company said they would pick it up but never did. Flash forward some time later, the payments were past due because they didnt retrieve the item and it wasnt what I ordered ( this was online and not from a store ) so they started calling me threatening that they will damage my credit and or take legal action against me. I again offered that they pick the item up as they had agreed to sometime before and they still never did.
08/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78634	Web
It has just come to my attention that this account is still reporting on my credit reports.I requested proof of ownership for the account reporting on my credit reports by Security Credit Services. I have received no response from Security Credit Services. I requested the proof in writing via certified mail on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX and again on XX/XX/XXXX mail receipt # XXXX XXXX XXXX XXXX XXXX. I also requested XXXX, XXXX and XXXX verify the account and none of the agencies have been able to provide me with any written proof of ownership.
05/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 291XX	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
03/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19124	Web
Hello, I'm XXXX XXXX I am writing this complaint because I had went to download the XXXX XXXX app and the XXXX because I had tried to apply for something and they told me that I needed to have a better credit score.. I am not familiar with credit and how it work I was on my account and it had showed me accounts I was not familiar with at all.. These are very much so fraudulent accounts because I've never used these accounts before.. Could you please help me to remove these things because they couldn't have been done by me... Thank you so much and have a blessed day
09/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92563	Web	Servicemember
On or about XX/XX/2022 I was looking at my credit report and noticed a collections account open on my report from a company called XXXX XXXX XXXX with an amount of {$1300.00}. I have never dealt with or have any knowledge of ever doing business with this company nor has anyone been in contact with me in regards to this collection account. I believe someone has fraudulently taken out credit in my name without my consent. I have called and spoken with a gentleman on XX/XX/XXXX from XXXX XXXX XXXX and he took down my information but, has never reached back out to me.
12/23/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CA XXXXX	Web
Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.
08/29/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web
Security Credit Services located at XXXX XXXX XXXX , XXXX, MS XXXX Phone ( XXXX ) XXXX Email XXXX XXXX XXXX XXXX, XXXX, MS XXXX has not deleted the collection debt they said I owe, this was a result of someone opened a fraudulent line of credit. I reported to the 3 credit bureaus and they refuse to delete this causing me to not been able to refinance my home. The account is open and has not been deleted from my credit reports. amount they said I owe is {$1200.00} Notes from credit bureaus ; " Account information disputed by consumer, meets FCRA requirements ''
06/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	NC 275XX	Web
I never received a letter from security credit services about the debt. I had received phone calls that popped up as scam and they would leave voice messages threatening to sue and that it could affect my credit and social security number. I passed it off as a scam. I did answer once and it was the same thing. They also had a lawyer office do the same. This company is a joke, all they do is threaten and they will not work with you on anything. The account was for smartphone, it shows wrong amount on my credit report and shows the wrong date that it was opened.
02/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TN 370XX	Web
I reached out to Security Credit Services with an offer to settle my account for {$640.00} if in return they would delete the collection from all credit reports ( bureaus ). I received a letter dated XX/XX/XXXX stating that they accepted my offer. On XX/XX/XXXX I paid the {$640.00} dollars to XXXX XXXX as instructed in the letter. It is now 42 days later and my collection has not been removed as promised in a binding contract. In fact, it was updated instead to settled for less. I would like this collection removed. I have reached out to them with no results.
01/09/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TN 37075	Web
On X/X/2017 I was trying to buy a house and my mortgage company asked me about this collection company in the amount of XXXX dollars and I did know who they were so I called and asked that they send me verification if the debt and I called them back and told them that their was no where on this information was my signature and that I did n't owe them anything and for months I have been trying and disputing the information to the credit bureau, one company XXXX removed it but the other two refuse to remove it so now I ca n't buy a home because of this company.
08/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33610	Web
I have an collection account on my credit report that is reporting incorrect information. The account is currently being reported by Security Credit Services with an Opened date of XXXX and the amount of {$16000.00}. The original Creditor for this account was XXXX XXXX XXXX XXXX XXXX. This account was closed as of XX/XX/XXXX I have disputed this information twice now. The first time on XXXX XXXX. Advising incorrect information is reporting as the open date is incorrect. The second time was on XX/XX/XXXX. XXXX as the open date is still incorrect.
05/13/2020	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75181	Web
Upon Checking my credit report. I noticed XXXXwo accounts placed on my credit report from a company called " security credit services. One account was for approximately {$390.00} and another for approximately {$290.00}. I have never done business with this company, I have never received any correspondence about this debt. Last reported date on my report for the debt of {$390.00} was XXXX XXXX and the Last reported date for the debt of {$290.00} was on XX/XX/2020. This accounts has impacted my score negatively and has thrown me into financial hardship.
03/11/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 713XX	Web
Collection agency Security Credit Services Last reported XX/XX/2022 Account status last reported as Opened XX/XX/2022 This collection agency is reporting this account incorrectly. This account is being reported as open. A collection by default is late, therefore there should be no balance, past due or otherwise on this account. This company can not produce the trilateral contract that I have with them. The debt has already been brought. I have filed a dispute due to this collection agency reporting on this account incorrectly. Commerce law 15 usc 1681.
08/07/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31088	Web
Have no knowledge of where this originated. I have never applied for any pay day loans. Just discovered this derogatory report while looking at my credit report on XX/XX/22. My credit score has subsequently dropped XXXX points for something I never initiated. The company listed as the collection company is Security Credit Services, XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX {$230.00} Reported on XX/XX/22 to credit bureaus. I have never received any documentation from this company in order to confirm or deny anything. In a word the account is FRAUD.
08/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 613XX	Web
On XX/XX/2023 I maiiled a notification to SECURITY CREDIT SERV requesting that they remove an account that is not mine from my XXXX and XXXX report.as it is hurting my credit and preventing me from work opportunities. I explained that I do not and have never had an account with them and that I do not have an agreement or contract with them or their creditor and requested a copy of the original contract.with my signature at the address listed on their posted collection on my credit report. They did not respond or send me a contract with my signature.
03/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75056	Web
Initial Dispute for Validation was sent via certified mail to Security Credit Services on XX/XX/2019. On XX/XX/2019The correspondence I received is not sufficient validation of this debt. I have NEVER lived at the address shown on the copy of the statement you have given. I am not associated IN ANY WAY with the Leese in contract. The balance reported on my credit report is also being reported incorrectly. Please be advised this is my SECOND WRITTEN REQUEST. The unverified account listed above remains on my credit report in violation of Federal Law.
06/15/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19124	Web
SECURITY CREDIT SERVICES Is requesting that I pay {$1800.00} for a account that is no obligation of mines. Account was opened Date opened XX/XX/2016, 15 usc 1692b only a consumer can claim debt. I dispute this account on XXXX and they stated the creditor verified the account was accurate which is also a validation of 15 use 1681 ( A ) ( E ) none of my family or associates was contacted which would mean a full investigation was not done this would also mean there in validation of 15 usc 1692f, 15 usc 1692e, 15 usc 1692d, 15 usc 1692j, 15 usc 1681b
08/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10701	Web
I called the collection agency and they told me the debt was sold to XXXX. I called XXXX to settle the debt using my bank account and the money was never collected. Then the original debt collection agency that sold the debt reported the debt with 4 missing payments, dropping my score by XXXX XXXX. The debt was never verified and has been sold by this collection agency. XXXX is also not reported on my credit report and the debt is showing under the original creditor and this debt collection agency, so I am getting hit twice on my credit report.
03/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 32904	Web
I have disputed two accounts on my credit report for inaccurate information which is killing my credit score. XXXX XXXX has 2 ( one for {$540.00} and the other for {$1200.00} ) which I have the bank statements to prove they were paid on time every time. Security Credit Serv now owns them and when i tried to prove to them and XXXX and XXXX with the proof, they deny it and leave it on my report saying I never paid. I have tried since XX/XX/2018 to get them removed but nothing. I feel I need an attorney to go after all of them for the issue.
08/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30318	Web
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. I am being harassed by multiple calls before XXXX and after XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and are a result of fraud that I did not authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITY CREDIT XXXX XXXX
09/16/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 10458	Web
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 303XX	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
08/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89074	Web
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
06/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63121	Web	Servicemember
On XX/XX/XXXX Security credit services continue to call and threaten me and my family about account that was opened on XX/XX/XXXX. The company states that I own {$1000.00} I have no idea what this for and I didn't have an account with them are the company that they are representing. This has been placed on my credit report and I have disputed it multiple times asking for the original signed copy of our contract. But Security credit services refuse to provide and it continues to get verify on my credit report as accurate information.
09/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21060	Web
I believe that my information is being misused and reported as inaccurate and I am filing this complaint to SECURITY CREDIT SERVIC. In my credit report from XX/XX/2023, I found this derogatory item that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
05/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	CT 06042	Web
I believe that the information related to this account is inaccurate and I am requesting an investigation pursuant to FCRA sections 607, 611, and 616. I request that you provide sufficient documentation to verify the accuracy of this account, including a copy of the original contract with my signature, billing statements, or other documentation. Pursuant to FCRA section 611 ( a ) ( 1 ) ( A ), I also request that you forward a copy of the dispute and supporting documents to the credit reporting agency that is reporting this account.
12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77095	Web
I requested a credit report due to suspicions of fraudulent activities. I found two accounts with adverse information. One is from XXXX XXXX, with the loan type being RENTAL AGREEMENT, from Georgia, a state in which I've never been to nor have any financial dealings with. The other account is from Security Credit Services, a collection company with the original creditor being XXXX XXXX none of which I've even heard of. I believe this is the result of identity theft, and would like the situation to be resolved as soon as possible.
09/28/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	IN 46221	Web
XXXX XXXX XXXX XXXX is a not a rental housing company. This is affecting me from renting out from real rental home and apartment communities. The only thing I leased from the company were TV 's not an apartment. According to the XXXX, here is a summary of the results of the XXXX investigation : The trade line for Security Credit Serv # XXXX & XXXX are reporting as a Rental collection based on the classification of business by the original creditor. The trade line is a furniture company and is not related to a residential lease.
02/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 721XX	Web
I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Security Credit Services. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never heard of. I have been a victim of Identity theft and this account should be removed immediately.
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30316	Web
A collection account by security credit services opened in XX/XX/2017 for the amount of {$1900.00} that I do not owe and have no knowledge of why Im being charged for this account. Ive repeatedly stated that I do not owe this company anything. The company has contacted me via phone and Ive told them I do not know who this account belongs to but it isnt mine. Ive reported it several times on the XXXX and XXXX credit bureau. It was removed off of XXXX so I dont understand why it isnt being removed from the other credit bureaus.
02/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 295XX	Web
An account was open with this company called XXXX that I do not have any knowledge of or know of using my personal information and I have been trying to reach out to this company over the past 2 years through email as well as phone calls to have this account removed from my credit profile.This account has really made my life very difficult because it is created a hardship for me not being able to purchase a home for my family. The company has not try to respond to me concerning the matter so that this issue can be resolve.
03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 76549	Web
On XX/XX/XXXX I sent an email to Security Credit Services , LLC trying to settle a debt that I saw on my credit report for {$660.00}. On XX/XX/XXXX, I got a response from them saying that the debt was sold to another company. I then asked if the debt was sold, why it is still being reported to my credit. She then said that she requested that it be removed back in XX/XX/XXXX, and she will send another one and to give it 30 days for it to be removed from my credit. As of today, XX/XX/XXXX. It is being reported to my credit.
03/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	FL 33023	Web
First and foremost Ive recently been educating myself in financial literacy and have found out that more than 90 percent of my consumer report has been in violation for the past couple of years. I have made Many attempts to all 3 Agencies via certified mail last year XX/XX/2022 to get back control of my Consumer Report by informing them to Deleting incorrect addresses and informing said Agencies about inaccuracies on my consumer report made by the XXXX XXXX Furnishing the Data to these Consumer Reporting Agencies .
03/04/2022	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	SC 29456	Web
I have tried numerous times to reach out via disputing on my credit report a collection of XXXX on an auto loan I took out years ago. I had gap insurance and was told when I financed with XXXX XXXX the gap insurance would take care of any balance on the car if total loss. However I see on my credit report where I owe a balance when I shouldnt. Security Credit Services failed to verify debt verification or original signed agreement and a balance on acct from XXXX to present. I want this debt off my credit report.
05/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MS 38654	Web
On XX/XX/2019 ; I was notified that a name under my social security number is showing up. This name is not mine and I have not attempted to apply for any credit. As this is not my name with a XXXX at the end, this is believed to be fraudulent activity and coinsides with the notification that my name is also showing up under another race. I have attempted to resolve this issue with no results. I would like the inquiries removed from my report as I did not apply for any credit. Thank you for your time and support.
10/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21921	Web
I reviewed my credit report and noticed 3 collection accounts from Security Credit Service being reported. I disputed the accounts with the credit bureau, it came back verified. I then contacted Security Credit Service via mail requesting for validation of the debt along with a signed contract showing my signature. I never received a response nor did they ever notify my of these debts. I received no phone call, no letter, nothing from this collection agency. I am very frustrated trying to get answers from them.
11/27/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AR 723XX	Web
A debt for security credit services ( XXXX XXXX XXXX ) for the amount of {$8300.00} was sent to collections. My husband signed for a tractor and his mother XXXX XXXX co signed for him. My name is no where on the contract but it is showing on my credit report. I am unsure the dates but it was purchased around XXXX or XXXX.. I would like for this to be removed for my report since I have to legal ties to this. I have filed a dispute with other creditors and it was removed. Email XXXX Phone number XXXX XXXX XXXX
07/14/2022	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	OK 730XX	Web	Servicemember
Original debt was a loan from XXXX XXXXXXXX XXXX XXXX XXXX, XXXX. The loan went into default and was sold to the collections company XXXX and XXXX with an open date of XXXX XXXX. The loan was sold at a unknown date and time, with no written notice, to Security Credit Services of XXXX, XXXX XXXX S.C.S. has changed the original open date to XXXX XXXX in violation of Fair Credit Reporting Act. I have not contacted S.C.S. out of concern they will restart the time and the negative impact would continue longer
12/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19120	Web
Reviewed my credit report in XX/XX/2022, sent a dispute letter to the company on XX/XX/2022 asking for validation of the debt. Also, never received first notice to dispute the debt. Company responded stating the account was sold to them by XXXX. I have no knowledge of this debt, company failed to provide signed application and agreement. The debt is also 7 years old. The company refuses to delete the account from my credit report. I have no signed agreement with the collection agency who purchased the debt.
01/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 441XX	Web
I noticed a sudden drop in my credit report rating. Upon investigating, it was listed that I was sent to collection because I owed money. However I do not have any loans, Iowe no one money and have not taken out a loan in many many years. I spoke to an agent with XXXX and he was able to provide information about this Debt collector/collection service that caused the negative drop in my credit score : Security Credit XXXX XXXX XXXX and they were collecting on behalf of Smart Pay Leasing ( XXXX ) XXXX # XXXX
05/05/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 138XX	Web
The company XXXX XXXX has reported me to the collections agencies claiming I owe XXXX. I have no idea who this company is or who they are referring to that I owe money. I have never received anything in the mail about this company or that I owe money. Im not even sure which XXXX XXXX company this is for as there are many of them in different areas. It shows on my credit report that its rental/leasing, no clarification as to what kind. I have no information to get ahold of them so I have not contacted them.
12/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 319XX	Web	Servicemember
I checked my credit on XXXX XXXX 2017. Noticed that an account I do not know about was put into collection. That same day I made contact with the original creditor in which gave me the contact information who they had sold off the collection too. I was never notified or called once by security credit services ( new debt collector ) and still have not received anything until this day. I 've made several attempts to contact the company which always ends in failure. I do not know what else to do at this point
11/09/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	SC 29579	Web
Security credit services reported this debt multiple times on each of my three reports as a new account in XXXX month.I never received a notice to dispute or even an explanation of the debt. They call my cell constantly and the one time I answered the lady would not explain what the debt was for and told me they did not have time to mail me a notice. It is Security Credit Services XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX opened XXXX/XXXX/XXXX for XXXX date reported XXXX/XXXX/XXXX phone number XXXX
05/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10463	Web
This company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. I am a litigious consumer and intent to use my right to clear my good name.
02/14/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75044	Web
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against Security Credit Service. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long.
11/19/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	MN 56601	Web
Security Credit Services continues to report that my account is open and was opened in XX/XX/XXXX, making it look like this is a new account. It was from XXXX and was charged off then subsequently resolved a long time ago. I have disputed it numerous times and they refuse to update with accurate information and even if it was not resolved it will be too old to collect on in a few months anyway. To lenders it looks like a recent collection based on the information Security Credit Services provides.
04/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 463XX	Web
There is a collection amount on XXXX XXXX in the amount of {$1400.00} I believe this is identity theft. They sent me a letter as well in my name and adress. When I contacted them by phone the account was in my name but not my social security number. So im not sure if this is going to be remvoved from my credit or if it is going to affect it in anyway. I also have had a freeze on my credit and also have lifelock on my credit because there have been mutiple attempts of identity theft on my credit.
09/16/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	WA 98012	Web
Accounts Receivable, XXXX is a collections agency in XXXX, Washington plaintiff is Security Credit Services , LLC send me a court order to garnish my money but is over the statute of limitations dated XX/XX/2013. I paid the XXXX XXXX XXXX to help me regarding the lawsuit. I believe I paid for every credit card that I have but they said no. They are trying to look for the proof of payment that I paid the company. I live in Washington state and the statute of limitation is 6 years. Why now?
10/01/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75080	Web
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
04/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 757XX	Web	Older American
I was checking my XXXX credit report and found they placed a bad credit on my account Security Credit services. Said it was a lease agreement. I haven't had a lease agreement in more than XXXX XXXX. They stated it was for XXXX or somewhere in that area. I ask in my dispute for signature or contract or anything saying I signed and received what ever they say I leased. I had my card hit several times this year.they didn't even contact me to see if it was mine. I didn't even get a contrac
07/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MI 48021	Web
I do not owe the collection agency anything I sent proof of this and they ignored it I couldnt find everything but what I can find so far it proves that the information is incorrect the amount that there saying is incorrect the original number was XXXX even though I cant find all of my statements the ones I found was over XXXX there saying I owe them XXXX and I only paid XXXX so basically there making up things and its unfair that they know its incorrect and they still will not fix it
09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 22152	Web
A company called Security Credit Services located in the State of Mississippi, with which I have no business dealings whatsoever and have never been contacted by, posted fraudulent information to my credit report on XX/XX/2021. This information indicates a debt reported to be in collections for {$1400.00}. I have never had such an amount in any account payable nor did Security Credit Services indicate what the debt was related to as they have never contacted by by mail or by phone.
06/24/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 300XX	Web
I received an alert on my credit file stating Security Credit Services were added to my credit report as an collection. I have made several attempts via phone and left several voicemails, I have sent emails and letters to this company since the beginning of XXXX and I haven't received a response going on two months now. This debt doesn't belong to me nor has the company reached out to me to notify me or provided validation of the debt or the amount they have placed on my credit file.
04/13/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	TX 751XX	Web
Receive a citation Security Credit Services , LLC in XXXX XXXX TX. XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. This company is not locate at the address nor have a physical office in the State of Texas. I received a notification an assumption of debt by the agency. Nor has Security Credit Services , LLC sent confirmation debt owed. The amount is {$10000.00} on XX/XX/23. The agency has weaponize the court system I not received notication of the debt and provide any options to resolve it.
07/12/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75126	Web
On XX/XX/XXXX I received notification from the credit bureaus, XXXX XXXX, XXXX, and XXXX that I had a collection account added to my consumer credit report from Security Credit Services. This collection company never communicated with me via, mail, phone etc. about anytime of collections with the original creditor XXXX They have violated my rights as a consumer based on 12 CFR 1006 f ( 30 ). This states they must contact me and give me the right to dispute any collection account.
10/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NV 895XX	Web
CREDITOR : SECURITY CREDIT SERVICES ORIGINAL : XXXX XXXX AMOUNTS REPORTED : {$2100.00} & {$450.00} UPDATED AS OFXX/XX/2020 VIA XXXX XXXX XXXX I am a victim of identity theft. I have a n extended fraud alert with all three bureaus, and per federal law a creditor must call the number listed on the alert prior to obtaining or extending credit. This is a clear violation of 609, I request these accounts ( among others ) be deleted immediately before I'm forced to seek legal recourse.
08/18/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30093	Web
I have sent the company notice debt that I don't owe and the account was from the result of identity thief from XXXX to XXXX. I have provided the police report, a report from FTC, etc ... Also informed them that the info they have on my report needs to be blocked and deleted. They have not removed items and find them to be in violation of several codes. I have sent proper notifications in a timely manner giving them ample time to remedy the issue. They have failed to do so.
07/01/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30281	Web
Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX
07/07/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
This company continues to violate my consumer rights. I have proof down below in the attachments from the XXXX XXXX XXXX but they are still trying to collected a debt that is not mine. I have disputed this inaccurate account that is damaging my credit and my life. They repot to the credit bureaus that they have verified the debt belongs to me but never sent me a validation letter showing that. I reported them to the XXXX and they never responded but say i owe a debt.
06/11/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 279XX	Web
I sent a letter to Security Credit Services that they validate NOT verify a debt they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with an unsigned agremeent which does not prove that I am obligated to pay them anything. They have reported unvalidated and deliquent information to the credit bureaus and I am asking that this account be deleted from all 3 of my credit bureau reports.
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77070	Web
XXXX has been non-compliant with removing the unverified account SECURITY CREDIT SERVICES Opened Date XX/XX/2018 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SECURITY CREDIT SERVICES was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
11/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 070XX	Web
This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
08/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MS 39532	Web	Servicemember
The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as XXXX XXXX XXXX and I have no legal contracts and Ive given no authorization for the sale of my information. XXXX XXXX XXXX has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.
10/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92612	Web
Recently I pulled my credit report and saw this {$3600.00} debt that I do not owe. I tried to file dispute with XXXX and they need to reach out to the creditor, so I left voicemail and also mailed a letter to the creditor " Security Credit Service ''. I need Security Credit Service to show proof and provide evidence of this debt and remove this debt from my credit report. So far I have not receive any response from this creditor " Security Credit Service ''.
08/03/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SD 577XX	Web
I just received notification of a collection on my credit bureau for a company I have never heard of. It says original creditor is XXXX XXXX and the collection agency is SECURITY CREDIT SERVICES. I XXXX XXXX XXXX and it is some type of leasing company. I have never leased anything in my life. I want this investigated immediately. I want to know where this originated, what identity documentation was used. I 'm very concerned that my identity has been stolen.
01/10/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60643	Web
I have sent several letters to Security Credit Services in regards to an account that they are claiming to be mine. I have asked 3 times to validate the debt and all I keep receiving back from them is an electronic application and bill. My last communication from them was asking for a copy of my id and signature which they were not able to furnish. Everytime I send them a letter asking for validation they just keep saying validated and demanding that I pay.
05/22/2018	Yes	Debt collection Credit card debt	Communication tactics Called before 8am or after 9pm	OH 44134	Web
I have contacted several times and disputed with a few companies to get this collection removed Due to identity theft UNAUTHORIZED CHARGES I am not familiar with XXXX I disputed this through XXXX if you guys do not remove this collections off my credit report i will exercise my rights to the Ohio Attorney General and make this news media if this is not removed! Please remove this so i don't have to keep sending in complaints and letters repeatedly weekly.
09/15/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	VA 23602	Web
This company is called security credit services and they have not answered any of my phone calls in question about a collection that was put on my credit report. It was opened in fraud and this specific company is known for fraud. I have never even heard of this collection. Its stated it was opened on XXXX XXXX and I owe XXXX. I have tried to contact then but I have received no call backs and I put in a dispute and they even said I still owe them money.
07/14/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	UT 84321	Web
" Security Credit Services '' is reporting two separate amounts in collections on my credit report. I have sent them two separate requests for validation, as the original creditor was n't one I recognized. The most recent request was sent on XXXX/XXXX/2017, and is attached to this complaint. They have failed to respond in written correspondence, with the information needed to validate any accounts they have in my name, or any amounts they are reporting.
10/01/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL XXXXX	Web
This company is reporting inaccurate and fraudulent information on my credit report and refuses to verify the account. I have sent multiple letters to this Company requesting documentation bearing my signature, they have failed to do so twice. They claim I owe close to {$2000.00} to their company, but fail to provide proof of my authorization of this account. They are violating federal laws, and should've removed this account from my report months ago.
12/15/2018	Yes	Debt collection Auto debt	Written notification about debt Didn't receive enough information to verify debt	FL 322XX	Web	Servicemember
security credit services placed a collection account on all three of my reports and at first had the date and amounts wrong, I disputed this and it was changed but the original creditor had been deleted a couple years prior, then just this year this collection co. appeared, I have demanded that they be deleted but havent been as of today. This account would be 6 years old today by the original creditor, I cant see what the collection agency has listed.
03/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 622XX	Web
I have called these companies and told them about the inaccurate information on my credit report and nothing have been done I will like for the information to be fixed I have also sent out letter to these credit report agencies and their has not been nothing done with in the 30 day time limit of the letter which is violation of the FCRA dates that i have reached out have been XX/XX/2017 and no actions have been made to complete the accurate information
08/20/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29414	Web
Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MS XXXX Phone : XXXX Placed a collection on my credit reports from a debt of {$3600.00} that is not mine and is due to identity theft. I have had a credit lock on my account and reported identity theft so I am not sure how someone managed to take a loan out in my name from crest financial. The original debt is from : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
11/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 207XX	Web
Once I made complaints of the varies attempts to get this off my credit report. Companies continue to reissue the same information on my reports when I make disputes. Continue to issues notices to my mail address, continue to ignore this identity theft on my report. This has cause me to be denial housing, employment, credit, and homelessness. My denial letter is attach base on this situation I was denied housing. Been a victim of identity theft.
10/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 775XX	Web
I was a victim of identity theft and noticed a collection from SECURITY CREDIT SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SECURITY CREDIT SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you
10/18/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19141	Web
It have come to my attention theres a third party collection agency who has created/ furnished an account for me using my identifying information without my consent which is identity theft and unauthorized use. Pursuit 15 U.S. Code 1681a ( q ) ( 3 ) Identity theft .The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
08/26/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	CA 95677	Web
Security Credit Services/ Acct # XXXX is reporting on my credit profile with a balance of {$80000.00}. This account was transferred from XXXX XXXX XXXX. This account should not be reporting on my personal credit profile. This is ridiculous! I have demanded to see proof as to why this would report on my credit and have yet to receive documentation. Research and correct this information immediately or delete this account off my credit profile!
04/07/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95823	Web
XX/XX/XXXX I received a letter from the lender saying the account is paid and satisfied. XX/XX/XXXX on my credit report it says the exact same account, has a XXXX amount paid towards the balance owed which is incorrect, I contacted the lender explain to them, customer service person told me the account was deleted from their system and I didn't owe them anything, they would not and could not do anything about it being on my credit report.
08/20/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	AL 362XX	Web
I sent a letter on X/XX/17 asking this company how they have came up with the balanced owed. I also asked for a contract that i signed with them saying i owe this debt and I did not receive a contract. I have never heard of this company and I do not owe this company. How do a company report late payments in the payment history when you never even had an account with them. This company is taking away my rights and is a violation of FDCPA.
05/16/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48237	Web
I was checking my credit report and their was a negative item from a security credit services which purchased the debt from a company called XXXX XXXX. I have never applied for credit with either of these companies the debt is not mine they state that a payment was made XX/XX/XXXX I can submit my bank statement for that month to prove that was not me furthermore I was not sent any bills or contacted by either company at any given time.
07/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
02/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79407	Web
In accordance with the fair credit reporting act XXXX account, has violated my rights. 15 USC 1681 Section 602 Staes I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.
01/18/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 302XX	Web
In accordance with the fair credit Reporting act XXXX XXXX XXXX had violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
12/12/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30016	Web
On XX/XX/XXXX i received notice from XXXX, XXXX and XXXX that my credit report has changed. After checking my profiles I noticed Security Credit Service added collection accounts to my report. To my Knowledge I do not now nor have I ever had a contractual agreement with Security Credit Service or XXXX XXXX. XX/XX/XXXX after viewing my credit report is the first communication I have had with Security Credit Service or XXXX XXXX.
02/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 273XX	Web
I received an alert from XXXX that there had been a change to my credit file. When I checked my latest report, I had a collection from " Security Credit Services '' for {$1000.00} with the original creditor listed as " XXXX. '' I DO NOT have an account with " XXXX '' and I have received NO communication from " Security Credit Services '' regarding any unpaid debts! My credit score dropped 104 points and I am EXTREMELY upset!
12/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29020	Web
Security Credit Services XXXX XXXX XXXX XXXX MD XXXX On XX/XX/2021, Security Credit Services added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$370.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
10/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 480XX	Web
A letter was mailed to Security Credit Services , LLC on XX/XX/2021 and received by their office on XX/XX/2021. The letter was submitted in regards to a dispute. In the letter amongst other issues, it listed that they were not authorized to do business or operate in the state of Michigan. They chose not to respond to that particular issue and continue to report this collection item on all 3 credit bureaus till this very day.
03/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19144	Web
This company is trying to collect a debt for {$1400.00} clearly the lease amount as shown in the screen shots was for XXXX and XXXX dollars which does not add up to the amount there were payments that add up to the amount of the lease agreements they have been reporting a fraudulent amount owed. Im asking for this company to delete all accounts thats being reported on experience and XXXX forever honor the paid amounts shown
08/31/2023	Yes	Debt or credit management Debt settlement	Unauthorized withdrawals or charges	AR 729XX	Web	Servicemember
I was checking XXXX XXXX on my report and there was an alert that said I had a new account as of XX/XX/2023. I have not opened any new account nor would I since Im using a debt consolidating company to repair my credit. My information has been leaked by companies being cyber attacked and I have frozen my credit reports. So I am at a loss right now of why, who authorized this account. Transition is reporting this account.
01/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 216XX	Web
Repeated phone calls and letters from XXXX XXXX XXXX and Security Credit Services , LLC to get {$1700.00} for WHY NOT LEASE IT. I told them I was a victim of identity theft and I had never done business with WHY NOT LEASE IT. They repeatedly asked for my social security number and where of no help. They continue to harass me over a debt that is not mine. I have had a fraud alert with the three credit agencies for years.
03/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	FL 34953	Web
Im not sure if this man is calling from the same company, but hes calling my children leaving messages as if ive broken laws and that hes calling the authorities. They put me into collections fraudulently and i fought it on my credit reports and the account was removed. This would be the only company harassing me since all my debts were included and discharged in a bankruptcy. He says his name is XXXX and his # is XXXX
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60659	Web
I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.
12/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 281XX	Web
In accordance with the fair Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
10/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90043	Web
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on SECURITYCRED ( Original Creditor : 09 XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
06/14/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
Opened XX/XX/XXXX Account status open Original creditor name : XXXX XXXX XXXX Open balance : XXXX I called the company they said it was a furniture store I never heard of in my life. My credit was last pulled when me and my husband bought the XXXX truck. I have not bought furniture since XXXX. My identity was stolen so this is fraud. Someone got my social and opened the account. I always maintained good credit.
05/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93960	Web
I do not owe security credit collection any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.
09/14/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	MI 48235	Web
On XX/XX/2023 Consumer sent SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX a communication by certified mail green return receipt regarding the furnishings of an alleged unknown debt that I noticed on my consumer report. The communication was returned to me after about XXXX as ATTEMPTED-NOT KNOW UNABLE TO FOWARD I am unsure why it was returned seeing the address was the same shown on the consumer report.
07/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 327XX	Web
Just checked my credit score and I see a new collections account with Security Credit Services. The original creditor says XXXX XXXX, XXXX. The alleged amount owed is {$350.00} and the alleged date opened is XXXX XXXX. I have never heard of Security Credit Services or XXXX XXXX XXXX and I certainly have not leased anything. This needs to be removed off of my credit immediately as this debt does not belong to me.
01/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35022	Web
This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. Security Credit Services LLC XXXX # : XXXX Opened : XX/XX//2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
11/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	OH 458XX	Web
I have on all XXXX of my credit reports a collection account from this business. My first complaint is that I never received a notice in the mail from this business to validate my debt which is my legal right. XXXX I have done some investigation and I have yet to find that this business is licensed to collect in my state of XXXX. Original creditor was XXXX they do n't list a account number on my credit report
07/14/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 19143	Web
Called the Debt Collector Security Cred and explained I never received any notification from them they just appeared on my Credit Report. I also had them verify my information and discovered it was not me, the information did not match my home address. So I am disputing the Validity of the debt due to I have no knowledge of this account, and no notification of this debt giving me the opportunity to dispute.
12/09/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Web
There was an account opened under my name through a company called XXXX I asked for the opportunity to dispute this account some time ago and they said they would take it under advisement and within sixty days the account was sold to a debt collector. I sent the new owner of this account which is now Security Credit Services a letter asking them to verify the debt on XX/XX/2016 and they have yet to respond.
11/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VT 054XX	Web
There are 3 items on my report and by law it has been over 180 days and I no longer owe them debts, I have tried to dispute them and nothing has happened. I have told the creditors that it was illegal for them to use my name and birth date and social security number and the fact that it has been over a 180 days. I want these items removed off my report. By law they need to be removed. Thank you XXXX XXXX
10/01/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Difficulty submitting a dispute or getting information about a dispute over the phone	PA 190XX	Web
I sent a debt validation number to the creditor and they where not the only one the other dropped right off for this specific collection account XXXX opened a dispute with no information available as to why it was opened because I never opened it. I am not able to get in touch with a actual representative about the matter, because this collection is unlawfully reporting and effecting my consumer report.
08/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11706	Web
i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.
10/04/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48228	Web
Security Credit Services continues to report to credit bureaus ( recently XX/XX/XXXX ) without validating this debt. I have no knowledge of what this debt is and have continually called this company, left numerous voicemails and have not been sent any validation information or return calls. This company is not licensed as a collection agency in the state of MI, their license lapsed on XX/XX/XXXX.
05/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20782	Web
I have called the company on several occasions since the item appeared on my credit report since XX/XX/2019. Despite continually calling, I have yet to get any representative from the company to answer. If there was an actual debt would the company not have an adequate way of being reached in order to collect on the debts. The debt is fraudulent and I have no other means of reaching the company.
06/07/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NC 28277	Web	Older American
This involves a company called " XXXX '' concerning the lease of a bed mattress. I paid on this account for months, contacted XXXX on what I owed to have the account paid off and they told me {$730.00}. I made arrangements to pay off the balance, however, they never took the payment. I have paid way over the amount of the cost of the mattress and they are asking for {$1500.00} for payment!!!
06/22/2023	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	LA 710XX	Web
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77077	Web
Security Credit Service 650.00 I never had an account with this company. They never sent me information with my signature within 30 days. XXXX XXXX {$460.00} I never had an account with this company. They never sent me information with my signature within 30 days. XXXX XXXX {$160.00} I never had an account with this company. They never sent me information with my signature within 30 days.
04/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19150	Web
In accordance with the Fair Credit Reporting act XXXX Account # XXXX SecurityCred XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
02/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	PA 19119	Web	Servicemember
XX/XX/17Original debt was .. {$500.00} a, after interest and fees accumulated to XXXX.. XX/XX/17 also had a XXXX ./ the original debt has been. Paid to the creditor .. the secondary debt collector .. ( security credit services located ) will not update the credit beaureas and remove derogatory remarks from credit. I am recovering from the XXXX and attempting to recover my credit as well ..
11/16/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	NY 10460	Web
I disputed the account many times and keeps popping back up.. XX/XX/XXXX I disputed it.. came off XX/XX/XXXX and reopened right away the same day.. they took it off and put it right back ... ask them prove I open accoubt with them etc ... pretty much account came off and reappear.. they are bad tactics company..please remove from My report.. they moved it to put it back.. please help
01/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MD 20720	Web
I just found that Security Credit Services has posted a collection item under my account for {$2500.00}. I have never had any transaction with this company nor any other Company that may be linked to this company since I do not owe any company that amount of money. I am demanding for an immediate investigation and removal of this collection item from my account as soon as possible.
06/16/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64134	Web
I am a natural person, I am a living human being, I have rights under law 15 USC 1681. Security Credit Services is govern by 15 USC 1681. And has violated my consumer rights numerous of times. I demand a removal from this account off of my credit file. According to 15 USC 1681 : I have rights and i did not given Security Credity Services written permission to furnish this account.
10/05/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39212	Web
Security credit service I attempted to contact the company and let them know this is fraudulent activity on my credit report. I did not take this like of credit out. An ex friend of mine took my information and opened a line of credit. I also reported to dispute.transunion.com. this is NOT my debt.you can check the cameras at the establishment this line of credit was taken out at.
12/01/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10032	Web
I sent a dispute letter to Security Credit Services and XX/XX/XXXX credit bureau regarding a collection that was opened in 2020. XX/XX/XXXXis still the only credit bureau listed on my credit report while XX/XX/XXXX and XX/XX/XXXXhas since deleted this collection from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
02/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34952	Web	Older American
On XXXX credit reporting reported derogatory information on my credit report regarding a fraudulent collection item from Security Credit Services in XXXX, XXXX XXXX XXXX XXXX in XXXX, OH. I notified all three companies that this was identity fraud. Both companies acknowledged the identity fraud and promised to remove the issue but XXXX is still reporting it on my credit report.
11/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76117	Web
I have contacted ; SECURITY CREDIT SERVICES- ( XXXX ) XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX Mississippi, they are reporting a debt that I have not agreed to enter by contract or written consent, and they are reporting this information to the bureaus, it is hurting me greatly. There is no privity and no signed contract or agreement between me ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
07/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 38401	Web
They have not sent me anything in the mail or any other correspondents to verify a debt which violates my federal rights according to Fair Credit Reporting Act and FDCPA. I want to exercise my right to lawful question the validity of a debt from a company that is not even allowed to collect anything in the State of TN. They are not licensed & bonded as required by State of Tn.
07/01/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DC 20019	Web
XX/XX/2019, I received an alert on my XXXX XXXX about a new collection that appears on my credit reports. I sent an email to info@securitycreditservicesllc.com and cs @ securitycreditservicesllc, com regarding failing to send me a Dunn letter regarding the alleged account and demand Security Credit Services , LLC to validate this alleged account. Please see the email below.
08/14/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	LA 70802	Web
Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services
03/28/2016	Yes	Credit reporting	Incorrect information on credit report Information is not mine	MI 48197	Web
I monitor my credit report on a monthly basis and it appears that a company other that the original creditor is attempting to collect a debt. I was not notified via email, phone, and by mail to inform me of this proposed collection. I have never interacted with this company. A letter of validation was sent to company. I did not open any account with Security Credit Services.
03/11/2022	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	IN 46410	Web
A place of harassment by the name of XXXX XXXX keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe XXXXSecurity Credit ServicesXXXX ANYTHING and I am tired of the harassing calls and mail.
06/22/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	FL 32746	Web
I have a credit card debt that went into collections in 2016. The account was recently purchased by a debt buyer Security Credit Services XXXX XXXX XXXX XXXX, XXXX XXXX. They are now Re parking old debt on my credit reports as new debt which is an illegal practice. I have been trying to dispute this information with the credit bureaus which will not help with this problem.
01/11/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was paid	KS 678XX	Web
The original debt was a result of an unlicensed loan in Kansas back in 2015. The company allegedly sold the debt to Security Credit Services , LLC. They I turn are saying it doesnt matter if the ordinal loan was illegal. They are listing it on my credit report until I pay them. They refuse to provide me with proper debt validation an think federal law doesnt apply to them.
03/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TN 38109	Web
I've contacted Security Credit Services though XXXX XXXX, filed a police report with XXXX PD, called them requested copies of proof of debt, received the account information sent copy of the XXXX report to them, showing they got the wrong person. Yet still they refuse to remove from my credit report. Been disputing this on my credit report XX/XX/2018. Still no removal.
06/18/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	GA 30135	Web	Servicemember
This debt was actually included in a chapter XXXX bankruptcy which has been discharged. After numerous attempts with via phone and email to the debt collector and also with the credit bureau this issue still remains on my credit report as a collection account with a past due balance. The amount of the collection is {$820.00}. The date of the initial debt was XX/XX/016.
08/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44122	Web	Older American
This is identity theft. We received information from Security Credit Services ( XXXX XXXX XXXX ( that we owe on a phone Leased from XXXX XXXX XXXX ) .We did not lease this phone and never owned it. They say we owe {$480.00}. We have tried to explain this to them and have sent a notarized letter with this information. We even made a report with our local police dept.
05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11432	Web
Today, XX/XX/2021. I was notified through my XXXX subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.
09/26/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	AL 36830	Web
On XX/XX/XXXX a debt validation letter was mailed to Security credit services for a debt collection from XXXX XXXX for a debt from XXXX however on my credit report they have the debt as opened in XX/XX/XXXX. They have illegally reaged my debt and have not submitted the validation requested ( contract ) of this debt which is effecting negatively on my credit report.
02/07/2018	Yes	Debt collection Other debt	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	NY 145XX	Web	Servicemember
I was sued by the original creditor XXXX XXXX in the state of VA. It took a while but the lawsuit was removed from my credit report. The account was also removed, but they keep putting it back on. It has been removed from XXXX as of now but is still reporting on the other sites. I would like them to remove the accounts and have the lawsuit removed from my record.
11/30/2022	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 75180	Web
I have been contacting this company for a while now, trying to let them know about the situation I have been in. the previous letter was sent on XXXX. I have accounts on my report that I don't recognize but they still haven't put a block or removed the items that are why this time I am seeking help from the CFPB as my first step in taking this matter seriously.
06/02/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 924XX	Web
Security Credit Services ( XXXX XXXX ) is on my credit report. I have disputed this several times as I do not know what this is. I have asked them to send me proof that I was the person who created this account but nothing was sent. I have NEVER received any mail correspondence from this creditor. I am requesting that this be removed from my credit file.
09/24/2015	Yes	Debt collection Payday loan	Taking/threatening an illegal action Threatened to sue on too old debt	FL 339XX	Web
Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.
03/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70817	Web
I have never done business with Security Credit Services and I have mailed in disputes to the company twice, both the company and Credit Bureaus never provided me with a signed contract with my signature. A collection bill is a not a validation and I have the right to provided with proof and with no proper proof I need this removed from my credit reports.
06/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 086XX	Web
Security credit services have failed to follow the fair credit reporting act. It has reported a {$6000.00} bill to the credit reporting bureaus that isnt owed. Please have the creditor delete this from my report. The charges are frivolous. More importantly, the mere failure to follow the correct procedures require the item to be removed from my report.
11/14/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 10009	Web
Hello Im XXXX XXXX i recently tried to resolved this issue on my account I purchased a XXXX XXXX on XX/XX/22 From XXXX ever since then I have had a charged for a XXXX XXXX for the same day of my purchase on my credit report I have proof that I purchased my XXXX XXXX but I never bought a XXXX I need this inaccurate info removed from my account please
04/16/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92508	Web
The Debt they are trying to collect is time barred and I was never given notice as Ive been on Federal XXXX. I do not recognize the dates or amounts I have not ben given information and they will not give me info on the phone. The date reported on the credit reports are not accurate I never received anything from them in 2019 orto my knowledge anytime
04/09/2018	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	FL 321XX	Web
This company has contacted me twice. As you can see they've used my name, social security number, and signed my name without my permission. They've sent two letters to me without any indication of what I owe them, from what company or any other data. This is a scam of a company. See below and attached to view the information and letter I sent to them.
08/22/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NH 037XX	Web	Older American, Servicemember
Someone used the last four numbers of my social security account to open an account at XXXX XXXX XXXX XXXX somewhere in Texas for {$1800.00}. I am not sure what date it was, but in XXXX XXXX, 2017 Security Credit Services purchased this fraudulent loan, and proceeded to try to collect this bogus account. I tried to talk to them but they wo n't budge.
03/04/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30329	Web	Older American
XX/XX/2022 Security Credit Services, acting as a collection agency for XXXX XXXX, XXXX reported me to the credit bureaus as owing {$760.00}. I do not know who Security Credit Services and XXXX XXXX, XXXX are, and have never done business with them, and do not owed {$760.00}. XX/XX/2022. I submitted a dispute of their claim to all 3 credit bureaus.
09/10/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	DE 19720	Web
Security credit services XXXX XXXX XXXX, XXXX XXXX XXXX to ( XXXX ) XXXX has been sending me collection notices in the amount of {$1000.00} assigned date XX/XX/2017 the collection has been reported as past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
04/05/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 312XX	Web
i cosigned for my grand daughter years ago and this should not be on my report negatively she is actively paying on it and it is corrected and i was only a cosigner so therefore if her standing is good mine is as well this affecting my life drasticley im XXXX years old and on a fixed income this actually makes my bills higher that i can not afford
02/16/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 95758	Web
I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports
05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77536	Web	Servicemember
Security Credit Services , LLC contacted me by phone on XX/XX/2018 regarding and outstanding lease balance in the amount of {$2200.00}. My wife and I have NEVER leased anything in our lives. They gave an email address that is on the bill that is not ours. They would not give any information on when the account was opened or for what services.
12/04/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33013	Web
XXXX XXXX, sold a balance of XXXX to security credit services. Security credit services is claiming they purchased remaining balance of XXXX. XXXX has confirmed they sold at XXXX on XX/XX/2019. A payment of XXXX was distributed by XXXX XXXX XXXX XXXX on XX/XX/2019 a third party service that provided statements and pay off information attached.
06/30/2020	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	MD 206XX	Web
In the month of XXXX, I called the creditor XXXX to request a proof of balance, a contract that would make me liable for the debt, and as well as a 1099 for the balance. This was asked to validate the debt they claimed I owed them. In regards to the information I requested, they were unable to provide with any documentation I requested.
05/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 344XX	Web
I have a collections account on my credit report for {$840.00} that I have absolutely no knowledge of, this is not my debt. The company that placed this collections account on my credit report will not return my calls, and I have no way of getting it removed, it has greatly impacted my credit. I have tried unsuccessfully to dispute it.
05/18/2016	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	MO 63367	Web
Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 366XX	Web
I have dispute a debt with Security Cred regarding account # XXXX and told this company that this debt is no mind and ask them to send me a debt validation and a sign contract. To no avail, I haven't received any correndence. They address that they have is wrong. I received an email from them with an address that I have never lived.
07/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TN 37115	Web
I have mailed several letters to XXXX XXXX last letter ( XX/XX/2022 ) to verified Security Credit Services acct # XXXX XXXX reply back ( XX/XX/2022 ) Verified. 15 U.S.C 1681G I received a letter from Security Credit Services ( XX/XX/2022 ) as notice that the account was closed in there office. When I requested Debt Validation.
08/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CT 067XX	Web
I reached out to the original creditor informing them about the fraud that occurred on this account by phone and through a cfpb complaint. I did not receive a notice to dispute or debt validation. The company is also trying to reage the debt which is illegal. I have disputed this with XXXX and also with the original creditor.
09/02/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34266	Web
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
11/13/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33009	Web
I do not have any business, agreements, contracts, or any legal bindings with this company. I have never provided this company with any application or personal information. The company 's response states the application was completed as XXXX XXXX, which is false and incorrect. Please furnish the wet ink for my application.
08/19/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95377	Web
An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. Security Credit Services aka XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
01/05/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60626	Web	Servicemember
The debt below is not mines.I was never contacted by this company and given a chance to dispute account. By law I have 30 days after receipt of a debt to dispute. This information is wrong and not mines. SECURITY CREDIT SERVIC XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$31000.00} {$31000.00} XXXX XXXX XXXX XXXX XXXX, MS XXXX
08/17/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60653	Web
Upon viewing my credit file with XXXX, XXXX, XXXX I became aware of Security Credit Service reporting an amount : {$1200.00} owed. I do not recall this company and requested that I receive a signed contract bearing my signature with Security Credit Service. This creditor should remove this account from my file ASAP.
10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NY 132XX	Web
I5 USC I681 section 602 states that You have the right to privacy ' 15 usc I681 section 604 ( a ) Subsection 2 states that A consumer reporting agency can not furnish an account without your written instruction 15 uSc I666 ( B ) A creditor may not treat a payment on a credit card account or open end consumer credit
05/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34743	Web
There XXXX unrecognized charges on my credit report that I didnt make sound can you really upset they trying to buy a car in something else and a phone That kisss me upset and Im trying to get my credit record clean because in the future I wan na get my house and a car and anything because I have a baby on the way
10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33169	Web
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$29000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
10/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 331XX	Web
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$18000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
07/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32765	Web	Servicemember
XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.
08/29/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	MS 39401	Web
Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.
01/03/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 76137	Web	Servicemember
I have called Security Credit Services at least 20 times with no resolution. I spoke with a representative named XXXX. The other 19 times I was sent to voicemail with no returned phone call. XXXX would not provide me with any information re : my debt instead she transferred me to a number that was disconnected.
08/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 93274	Web
I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
09/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30094	Web
SECURITY CREDIT SERVICES Account number XXXX I have never opened an account with this company which was listed as XX/XX/2019 Please forward me a signed contract from Security Credit Service with my wet ink signature and XX/XX/2019 date on it This is a fradulent account whichI have never signed or witnessed
07/02/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
I received a letter from Security Credit Service in reference to Account Number : XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX. For a debt they say I owe that they have not validated. I send them a certified letter asking for proof that this debt is mine and they have failed to respond, it has been over 30 days.
08/03/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48340	Web
SECURITY CREDIT SERVIC has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. SECURITY CREDIT SERVIC has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
04/18/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 373XX	Web	Servicemember
Security Credit Services is report an account for XXXX with a balance of {$450.00}, but they have sold the account, by their own admission, to XXXX XXXX XXXX XXXX XXXX Because they no longer have any rights to this debt and it has been sold, I have requested that I be removed from my credit report.
12/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 245XX	Web
I received a summons in the mail to appear for court for a warrant in debt. I never got any calls or any written notices of the debt so there was never an opportunity for me to try to settle the debt or dispute it. I've never heard of the company before so I don't even know what it's pertaining to.
12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 236XX	Web	Servicemember
In accordance with the fair credit reporting act, SECURITY CREDIT SERVICE XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
10/08/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48035	Web
I sent two certified letters to Security Credit Services one requesting debt verification and the second letter requesting removal of the debt due to no verification being provided to me. It has been over 30 days & this company is continuously providing false information to the credit bureaus.
05/18/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60607	Web	Older American
I received a letter in regard to a debt I do not owe. Most likely as a result of identity theft. The amount of {$880.00} is not mine. I received no letters or any receipts of any bills that pertains to this account. The collection just showed up in my mail 3 years after it was opened.
05/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CO 807XX	Web
I was a victim of the Great Flood in Louisiana iXXXX XXXX. The furniture I purchased was submerged under water and was considered a total loss by FEMA. Since then the balance of the purchase has tremendously affected my credit. The lease did not state anything about natural disasters.
11/20/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX XXXXX	Web
I received a notification on XX/XX/2017 that a collection account was added to my credit report. I never received a dunning letter it was just added to my report. I was not given an option to dispute this account. I have never heard of this company nor have I done business with them
04/14/2023	Yes	Debt collection Payday loan debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	LA 713XX	Web
Ive recieved multiple letters & phone calls threatening to sue me for old debt, and or to damage my credit my information and debt was sold to another collection agency without me knowing, now the new collection agency is listed on my credit report and I never heard of them before.
03/28/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	LA 710XX	Web
Security Credit posted collection to my credit report. I tried to contact them directly, only goes to voice mail. Then they stated harassing via phone ( the number I used to call them ) I pulled my credit report 60 days ago they were not listed. Now my credit score has plummeted.
11/08/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	AR 72301	Web
This company trying to collect on debt that I have no knowledge of and I never done business with this company XXXX XX/XX/2023 I asked to provide me proof that I have done business with the company copy of contract and social security number and date of birth copy of picture Id.
07/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 31405	Web
I am not liable for this debt with the listed company, I do not have a contract with the collection agency reporting to my credit report. They did not provide me with the original contract that should have been provided. I demand this account be removed from my credit report.
05/25/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	AR 72113	Web
SECURITY CREDIT SERVICES Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor SNAPSHOT Opened Account status XX/XX/XXXX ( XXXX mos ) Open Type Responsibility Remarks Individual Placed for collection Original creditor name XXXX XXXX XXXX XXXX
08/04/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19136	Web
Security Credit Services is currently reporting that I owe {$3400.00}. In which I do not this account does not belong to me. I was not properly notified of this account. I was just made aware of it after updating my Credit report.. this is a direct result of identity theft.
07/26/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33174	Web
I received a letter regarding that a debt was assigned to another company. I never had a debt with neither of the companies. The letter has missing the disclaimer that I have 30 days to dispute debt. I have not contacted company out of fear that it might be fraud or a scam.
02/25/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MS 39532	Web	Servicemember
on XX/XX/2021, i sent a letter to Security credit Services , LLC about a alleged debt of {$28.00} that i don't owe and its damaging my credit. I haven't had any dealing with XXXX XXXX XXXX and requesting information about the debt and has attach a copy of the letter below.
02/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79407	Web
As per Section 609, I am entitled to see the source of the information, which is the orignal contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
08/05/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MI 481XX	Web
On XX/XX/2021, XXXX sent a certified debt validation letter to security credit services requesting a list of information proving I owe this company debt. The company did respond on XX/XX/2021 but failed to properly respond to the debt validation letter as required.
04/15/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 070XX	Web
Company name : SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Debt : {$7300.00} Company is reporting a debt more than 7 years old. They are taking an account from a different lender and starting a new timeline on age of debt charge off.
08/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92024	Web
XXXX XXXX XXXX refuse to follow federal laws I have dispute and ask for a verification of debt. I have been told to go XXXX myself! by this company refuse to respond to anything tried to dispute with XXXX XXXX XXXX told them its verified never did anything liars
04/16/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 330XX	Web
Security Credit Service added a collection debt back onto my credit on XX/XX/2019 after it was removed without proper notification which is illegal. The amount was XXXX that was added without notifying me of that a collection would be added to my credit report.
07/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32065	Web
Collection company placed debt on credit report on XX/XX/18 that was not verified to be my debt. Notification of debt was never received. I do not owe this debt. SECURITY CREDIT SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX is the company for {$1700.00}.
01/14/2020	No	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 121XX	Web
Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!
11/18/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	TX 77539	Web
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents.
08/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48213	Web
Security Credit Services LLC. has adopted illegal credit reporting practices. This company is varnishing fraudulent information onto my personal credit report. I have not authorized this company to receive any of my information. This account is fraudulent.
07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 950XX	Web
XXXX is not properly investigating my disputes. These companies XXXX and Security credit services are reporting false information during the pandemic when I have consumer protection by law. These accounts were unauthorized and I never received the items.
08/30/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AZ 85302	Web
SECURITYCRED {$520.00} on credit report since XXXX. I disputed this in XX/XX/XXXX requesting accuracy and the name of the Creditor but all they did was say it was an accurate debt. I am not sure who this creditor is or why theyre on my credit report.
09/24/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	FL 346XX	Web
I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse
05/26/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 177XX	Web	Servicemember
This item is on my federal but I have contacted the agency they are an able to provide me proof they are a third-party that purchased the debt. She placed me on hold and transferred me to a voicemail after refusing to provide the requested information
06/18/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	OR 970XX	Web	Servicemember
I have I put forth good faith effort to contact this XXXX, XXXX and Security Credit Services who XXXX, XXXX says they represent. I have put in a request for validation of my debt. It has know been over 90 days since last communications from XXXX XXXX.
12/14/2021	Yes	Debt collection Credit card debt	False statements or representation Impersonated attorney, law enforcement, or government official	OR 975XX	Web
Security Credit Services have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	SC 29229	Web
original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
11/27/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 14580	Web
I got an alert from XXXX saying there is a new collection on my credit report. This debt was reported to my credit before the company spoke to me and they did not send a debt validation notice. From my limited understanding, this is a violation.
04/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19138	Web
No contract with company. They refuse to send out proof of this matter. When I ask about this account I get a ride response. I do not know about this company they say they are a third party that brought account. I never signed anything with them
01/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32808	Web	Servicemember
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
03/03/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78626	Web
Company called XXXX XXXX pretending to be a rental property on my credit report. Breaking the law by falsely reporting. false representation or deceptive means to collect or attempt to collect a debt or to obtain information about a consumer
02/19/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	FL 33903	Web
I have sent letters to all the companies to remove hard inquiries. The refused to remove them. I have also sent in an investigation application to the credit bureaus and have no word about it. Their has been identy theft with my email address
02/21/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77583	Web
XXXX XXXX XXXX apartment says I owe them {$15000.00} but Ive never lived there nor applied! I asked for a copy of the original application and it had an entire different social security number on it. Ive constantly tried to get this removed
08/29/2020	No	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	IL 60625	Web	Servicemember
To whom it may concern : Security Credit Services is reporting an " alleged debt '' in the amount of {$11000.00}. This account was never validated. This is a violation of my Constitutional Rights. Please request deletion asap. Thank you.
09/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76063	Web	Servicemember
On or around XX/XX/XXXX l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.
02/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 755XX	Web
I happened to get a call from this debt collector name security credit which I have never signed a contract with them. I also never gave them or the consumer reporting agency written permission to post this information on my credit report
11/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75043	Web	Servicemember
Never received any documentation or original requested signed documents that I owe. Reporting inaccurate and fraudulent amount. Account shows open, never was notified before reporting. Account just showed up on my report with no notice.
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	OH 43207	Web
SECURITYCRED ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened XX/XX/2019 Balance {$760.00} How can you say that this account is verified when Im still seeing inaccurate information being reported?. This reporting is incomplete.
01/06/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 14450	Web
I received a letter from a collection agency months ago, and multiple letters after that, stating that I owe XXXX XXXX for I purchase out of state that I did not make. I actually havent been out of state in many years to be honest.
05/26/2020	No	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30096	Web
This complaint is with Security Credit Services. I have no debt with this company or it's original debtor. I have received no correspondence from this company ... This is not my debt and they have reported this to my credit bureau.
06/09/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 44105	Web	Servicemember
Called company and Equifax explained to them that Ive never had an account with them and Ive never lived at XXXX XXXX XXXX XXXX XXXX OH. Ive filed identity theft reporr with the ftc Neither can verify my signature on any document
03/26/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 07112	Web
I happened to check my credit report and I noticed that there is a debt on my credit report that I am not aware of. The debt collector is Security Credit Services. I have never received any letter from them or any telephone calls.
10/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19142	Web
hey I reached out to security credit services because I checked my credit report recently and I notice there stating I have an out standing balance of {$770.00} on XX/XX/2020. I have no knowledge of this account this is fraud
06/21/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 77365	Web
company never contacted me about debt or gave me an opportunity to dispute. did not find out about alleged account until they reported it to bureaus. disputed through bureau. they " verified '' account without documenation
07/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 421XX	Web
I don't know anything about this debt from security credit service.the location is XXXX XXXX did not receive any money from this company and I did not sign any contract.i want this removed from my credit report.thank you.
06/11/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 34787	Web	Servicemember
I sent a letter to Security Credit Services on XX/XX/2021 requesting verification of a supposed debt being collected by Security Credit Services. I have yet to receive any documentation verifying this debt as requested.
05/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32765	Web	Servicemember
I do not own the account and there have been no documents provided from the original account XXXX XXXX XXXX and trust that proves the account belongs to me. I will be filing a police report and making another complaint.
06/15/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 27203	Web
Security Credit Services has 2 accounts on my credit report. i have no idea what the debt is or who XXXX XXXX who they are collecting for is. I have never had an account with XXXX XXXX or heard of them for that matter.
03/31/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 78589	Web
Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
10/07/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78577	Web
This is not a duplicate account. I have been disputing this account for months and it is still reporting inaccurate information on my credit report. Please remove this account from all credit reporting agencies.
05/04/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	AL XXXXX	Web
Security Credit Services has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
02/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 109XX	Web
I submitted a dispute online to XXXX regarding my collection account. I wanted to dispute the validity of the debt with proof, over 3 months ago and never heard a response back they just ignored the dispute.
04/23/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NV 89149	Web
I do not have any idea about this collection that was stated on my credit reports for {$650.00}. I never received letter or any other items from them and I do not even know what this is for or who it is for.
11/27/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02124	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
05/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29203	Web
Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
05/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30096	Web
Security Credit Serv/ XXXX XXXX has a collection on my credit and i have no idea who this is or where this came from but this DEFINITELY is not mine. Nor did i authorize my name to be used by anyone.
08/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77091	Web
This debt was added to my account as collection on XXXX of this month I have file paperwork to let them know my identity was compromised. Agency has used tactics such as threatening lawsuit or jail time.
05/21/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 441XX	Web
A company called XXXX XXXX XXXX out of the state of Mississippi reported to the XXXX credit bureau as a collection of {$660.00} for Collision repair I have no knowledge of this account I live XXXX Ohio
02/02/2018	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	GA XXXXX	Web
I contacted them about a Fair Credit Report Act matter. Instead of addressing the concerns, I received a letter stating that my account is no longer being services. I attach a letter with more details.
11/09/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90221	Web
i have disputed this account as identity theft and the results came back as verified when it shouldnt have ive filed multiple complaints against this company and my credit has been damaged as a result
05/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32765	Web	Servicemember
I have NEVER done business with this company ever nor the company it states it originates from. I have reached out to both and customer was rude and hung up on me as I tried to explain the truth them
11/30/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	AL 350XX	Web
Ive had repeated phone calls one after another including the company contacting my significant other NOT MARRIED and left him a voicemail stating they were a debt collector, which I know is illegal.
06/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 73505	Web	Servicemember
Identity theft. I never signed a contract with this company. Never heard of this company nor have I ever recieved notice of any alleged debt. They are also in violation of copyright infringement.
04/17/2019	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 77070	Web	Servicemember
Account showed up on my credit report that I have no ideal about. Never heard of this company. Never signed a contract with this company. Information should be deleted from my credit report asap.
03/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	TX 77571	Web
The accounts listed are not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
03/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19140	Web
I checked my credit to see an account for SECURITYCRED with the ORIGINAL CREDITOR : XXXX XXXX XXXX for {$830.00}. This is debt is not mine. A family member used my name to purchase merchandise.
05/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32218	Web
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 713,719, I presume that no debt, nor therefore any such debt, in fact therefore exists
02/01/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77581	Web
security credit service reporting collection debt to my credit XXXX $ and they refused to delete it their phone number is not listed but address as listed is XXXX XXXX XXXX XXXX XXXX MS XXXX
11/11/2017	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75214	Web
SECURITY CREDIT SERVICES XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX ( XXXX ) XXXX This is not my account when I called the company they were very rude and said I needed to pay this or else
12/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29607	Web
I have inaccurate accounts and inquiries on my consumer report. By the provisions of the Fair Credit Reporting Act, I demand that these items are investigated and removed from the report.
11/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 79928	Web	Servicemember
Bankruptcy in my credit report that are not mine XXXX has certified that they are mine, and courts dont answer to disputes, there third party also has been reporting to them fraudulently.
03/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 344XX	Web
Ive filed numbers FTC reports and contacted this company Security Credit Services about the identity and the account not being mine. They refuse to remove this negative unauthorized item.
11/23/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75134	Web
this company is stating that I owe them money and its on my credit but I do not have a contract with them. This account was also on my ftc report and I've disputed with the credit bureaus
10/06/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 932XX	Web
I do not own anything to this company, have never signed, picture xompany wont provide anything to testify it was me. I had no clue of this account and its affecting my credit really bad
09/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 294XX	Web
I've previously contact this company as this information is incorrectly reported on my credit filed and don't owe this company because I didn't sign an obligation with them for anything.
09/12/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	NJ 07501	Web
Spoke to representatives from XXXX XXXX XXXX XXXX. They stated that this account was open in the state of Pennsylvania using a phone number and email address that doesn't belong to me
01/22/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	UT 84078	Web
XXXX XXXX, 2016 Amount = XXXX This is a account that I have no knowledge of and would never pay a collection agency money. I would go to the original creditor if this account was mine.
09/28/2023	Yes	Debt collection Telecommunications debt	Communication tactics Used obscene, profane, or other abusive language	CA 90221	Web
i have been verbally abused by this company security credit services and need my credit report to be updated without their account on it i never went into a contract with this company
02/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60466	Web
SOMETIME IN XXXX OF 2016 AN PERSONAL LOAN WAS TAKEN OUT IN MY NAME FOR {$8100.00}. DOLLARS BY SECURITY CREDIT SERVIC. I HAVE TRIED CONTACTING THEM DIRECTLY WITH NO REPONSE FROM THEM.
04/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02302	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
04/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MA 02301	Web
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
08/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30017	Web
I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with SECURITY CREDIT SERVICE, They did not provide me with the original contract as i requested.
03/15/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92126	Web	Older American, Servicemember
On or about XX/XX/2018, I was alerted by XXXX XXXX XXXX that I had a collection debt in the amount of {$13000.00}. This collection debt was reported by Security Credit Services.
05/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 17545	Web	Older American
ON XXXXXXXX I disputed this account with XXXX and asked to company to validate, not verify the account They did not Therefor I want this removed from all the credit agencies
01/25/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
I have sent letters to the credit bureaus to investigate these accounts I do not recognize and I have not received any responses from the credit bureaus or the creditors.
02/01/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76018	Web
Been contacting this company for about three months no response back from this company and requesting that this debt be removed from my credit file this is not mine debt.
10/31/2017	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	CA 95688	Web
calling leaving messages saying that I have been served by phone. I do not know who they are nor do owe a debt and also they have reported me to the credit bureau.
09/16/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92887	Web
The following accounts were opened without my knowledge, consent, or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects.
04/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 93727	Web
XX/XX/2018 for XXXX from Security Crdit Services from original creditor XXXX XXXX I called let them know it wasn't my debt and it's still reporting on my credit.
02/16/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 31602	Web	Servicemember
this company purchased this loan. this loan is not correct and is a student load .the information is not correct and needs to be deleted on all 3 credit burrows
03/18/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43614	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
03/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	OH 43613	Web
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
06/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 392XX	Web	Older American
XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XX/XX/2022 This is fraudulent charge. I informed the company, XXXX failed to acknowledge and remove it, XXXX did.
12/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AL 360XX	Web	Servicemember
The debt account was open on XX/XX/2018. The company is Security Credit Service. The debt amount is XXXX. I am not aware this debt and it is not mines.
10/12/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07107	Web
I disputed the debt on my XXXX report which was in the amount of {$1800.00} that was completed XXXX XXXX, 2017 and is now deleted after investigation.
10/13/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 074XX	Web
There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help
03/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NY 10456	Web
I filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and I havent received any investigation results.
02/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	TX 77375	Web
The company has attempted. Several times contacting people I know, and has threatened to XXXX me in court, and has XXXX me and my family at my home.
05/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33809	Web
This is not my account and i have never had any business with this company. Please remove this account that does not belong to me off my reports
10/05/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19406	Web
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with 2 proof of ID.
03/31/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77346	Web
SECURITYCRED is claiming that I owe them {$6700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
12/05/2023	Yes	Debt or credit management Debt settlement	Confusing or misleading advertising or marketing	GA 30066	Web
I MAILED A VALADATION LETTER TO THE COMPANY 'S ADDRESS ON CREDIT REPORT, INCORRECT COMPANY ADDRESS REPORTING. THE LETTER RETURNED BACK TO ME.
04/29/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	CA 95206	Web
I have filed a complaint with XXXX and it has been over 30 days and I am requesting inaccurate information be removed from my credit report.
07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OR 97229	Web
Sent in a letter to this company on multiple occasions, sent in disputes with credit reporting agencies, this debt is due to identity theft.
01/30/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 32832	Web
Security Credit Services had the collection from XXXX XXXX XXXX for an auto loan that got repoed. I paid the debt to the collection agency
12/01/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 79764	Web
I recently pulled my credit report and noticed that there 's a collection from the agency. I have never been notified of this collection.
03/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 720XX	Web
This Collection appeared on my Report Reports. I have no Knowledge of this debt or how old it is to know if it is even still reportable.
09/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29229	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
08/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29020	Web	Servicemember
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
03/30/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 773XX	Web
XXXX is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
01/21/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 145XX	Web
Collection Agency SECURITY CREDIT SERVICES {$1700.00} this account is fraud and I want it removed. As I am a victim of identity theft
09/26/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 64138	Web
Placed in collection XX/XX/2021 and the asking balance is {$810.00} which i dont even know this company nor did business with them.
07/18/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA XXXXX	Web	Servicemember
I never admitted this was my loan. I offered to pay 50 % of balance to delete negative statement from my credit bureaus all three.
03/22/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 330XX	Web
I ask the creditors to validate my debt by sending me the original sign agreement with my signature and they want send it to me
02/06/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	VA 22310	Web	Servicemember
I am a victim of identity theft I have a item on my credit report for security credit services in excess of XXXX dolllars
10/13/2016	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	PA 19136	Web
Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.
03/11/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MI 48228	Web
Security credit services is reporting to all XXXX credit bureaus XXXX erroneous accounts that have not been verified
02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA XXXXX	Web
Reporting company used my report improperly, I have no relationship and or contract with the referred company.
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	AL 36303	Web	Servicemember
The collection was removed from my report and then added back. This removal should have been permanent.
04/09/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 480XX	Web
XX/XX/2020 - I communicated to collection company, I do not owe this debt in the amount of {$1200.00}.
10/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 361XX	Web
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
09/28/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 360XX	Web
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.
10/31/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	OH 441XX	Web
This should not be on my credit! I did not apply for any type of loan. My information was stolen.
09/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44108	Web
Security Credit Services never sent a letter to me allowing me to dispute the debt in question.
04/24/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	MI 48185	Web
Frequently calling and violating privacy. I never gave consent to furnish my credit report.
05/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11230	Web	Servicemember
Debt was not supposed to go to collections. i am on XXXX XXXX and should be covered by SCRA
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30127	Web
I did not consent to authorize nor benefit form the following account. Block and Remove
09/05/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77407	Web	Servicemember
SECURITY CREDIT SERV XX/XX/XXXX date opened XX/XX/XXXX dated reported This is not mine
04/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	NJ 08105	Web
Debt was discharged in my bankruptcy and they keep reporting it to the credit bureau
06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77061	Web
Attempting to collect debt on an account that the statute of limitations has passed
09/15/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY XXXXX	Web	Servicemember
This debt is not mine. XXXX is a fraudulent company that does NOT abide by the law.
03/23/2018	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	FL XXXXX	Web
Tranfer to another lender dont have a contract with them never receive a letter
08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 704XX	Web
There was a data breach which resulted in identity theft of my information.
03/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32114	Web
Someone stole my identity for a smart pay or security credit services lol
06/14/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	GA 30294	Web
i didnt apply for no security credit services and would like it removed
11/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60615	Web
This account is a direct result of identity theft.
04/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30281	Web
this account was trying make me pay wrong amount
03/31/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33511	Web
The account that is in collections isnt mines
11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33009	Web
Inaccurate reporting of my personal name.
07/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	MA 027XX	Web
I was never late on this account.
09/05/2021	Yes	Debt collection I do not know	Communication tactics Called before 8am or after 9pm	TX 77477	Web
Obscene statements and threats
09/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 117XX	Web
I'm attaching a FTC report
08/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 173XX	Web
I never opened accounts
02/11/2024	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30066	Web

02/11/2024	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77057	Web

02/10/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29732	Web

02/09/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	LA XXXXX	Web

02/08/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31419	Web

02/08/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33510	Web

02/06/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 70816	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30008	Web

02/05/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 787XX	Web	Servicemember

02/02/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	GA 30309	Web

02/01/2024	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 75043	Web	Servicemember

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20772	Web

01/30/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11420	Web

01/30/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 27701	Web

01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 38671	Web

01/29/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 20147	Web

01/29/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	TX 77057	Web

01/28/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA XXXXX	Web	Older American

01/27/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30035	Web

01/26/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75216	Web

01/25/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SC 29203	Web

01/24/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32092	Web

01/23/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Report provided to employer without your written authorization	TX 75045	Web

01/23/2024	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	DE 19977	Web

01/21/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 106XX	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	VA 23451	Web

01/19/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20747	Web

01/18/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30035	Web

01/18/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33185	Web

01/17/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OR 97338	Web

01/15/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75559	Web

01/12/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30349	Web

01/10/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	SC 29730	Web

01/09/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19150	Web

01/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20785	Web

01/07/2024	Yes	Debt collection Payday loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	OK 73110	Web	Servicemember

01/07/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92584	Web

01/06/2024	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29154	Web	Servicemember

01/04/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30328	Web

01/03/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 91367	Web

01/01/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75010	Web

12/31/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48213	Web

12/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 17602	Web

12/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	LA 71107	Web

12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Other problem getting your report or credit score	LA 70301	Web

12/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 513XX	Web

12/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21215	Web

12/27/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 14120	Web

12/27/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28451	Web

12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30263	Web

12/26/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75051	Web

12/25/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX 752XX	Web

12/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MD 20747	Web

12/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MD 20678	Web

12/19/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77502	Web

12/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33909	Web

12/18/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30328	Web

12/17/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	DE 19809	Web

12/15/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web

12/15/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	AL 35208	Web

12/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 90043	Web

12/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89503	Web

12/06/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11040	Web

12/06/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 48341	Web

12/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93722	Web

12/05/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30326	Web

11/30/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75024	Web

11/28/2023	Yes	Debt collection Rental debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77015	Web

11/28/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77494	Web

11/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33175	Web

11/21/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	PA 19006	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60153	Web

11/21/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 91401	Web

11/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29732	Web

11/09/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	CA 93722	Web

11/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	FL 33009	Web

11/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19145	Web

10/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39501	Web

10/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89147	Web

10/25/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10040	Web

10/20/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36111	Web

10/19/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	MD 20878	Web

10/17/2023	Yes	Debt collection Rental debt	Written notification about debt Didn't receive notice of right to dispute	PA 19004	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11235	Web

09/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NC 28431	Web

09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 70501	Web

09/22/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 71270	Web

09/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 63020	Web

09/19/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31069	Web

09/17/2023	Yes	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10009	Web

09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63020	Web

09/08/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 92832	Phone

09/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22303	Web

09/06/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	DE 19701	Web

09/05/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 32137	Web

09/03/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	CA 94612	Web

08/25/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web

08/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 43620	Web

08/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 30213	Web

08/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35150	Web

08/19/2023	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	TX 78577	Web

08/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48185	Web

08/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	VA 22405	Phone	Older American, Servicemember

08/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46118	Web

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	DC 20018	Web

08/08/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NC 28787	Web

08/08/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48223	Web

08/05/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78577	Web

08/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29577	Web

08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MS 39739	Web

08/01/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MS 38916	Web

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MI 48228	Web

07/31/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19134	Web

07/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MS 38701	Web

07/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 11249	Web

07/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 360XX	Web

07/21/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KS 67226	Web

07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30012	Web

07/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67226	Web

07/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CT 06095	Web

07/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75063	Web

07/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30016	Web

07/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	XXXXX	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	PR 00983	Web

07/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	MO 64804	Web	Servicemember

07/13/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	MI 48224	Web

07/11/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CT 06095	Web

07/06/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	SC 29445	Web

07/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29646	Web

07/04/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	SC 29577	Web

07/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78253	Web

07/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 79928	Web

06/30/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 76549	Web

06/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29040	Web

06/28/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NY 11520	Web

06/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	CA 92025	Web	Servicemember

06/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30345	Web

06/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10456	Web	Older American

06/18/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76131	Web

06/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web

06/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 77459	Web

06/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	VA 20109	Web	Servicemember

06/07/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38305	Web

06/07/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30127	Phone

06/06/2023	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web

06/06/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32550	Web

05/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OK 74871	Web

05/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 45215	Web

05/25/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77479	Web

05/23/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48228	Web

05/19/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32404	Web

05/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94134	Web

05/12/2023	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	CA 94605	Web

05/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30134	Web	Servicemember

05/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60649	Web

04/27/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23234	Web

04/24/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19104	Web

04/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38301	Web	Servicemember

04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 78660	Web

04/22/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened to sue you for very old debt	MS 39059	Web	Servicemember

04/22/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

04/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AZ 85392	Web

04/09/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20019	Web

04/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30034	Web

04/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33543	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30252	Web

03/29/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30252	Web

03/29/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	LA 70458	Web

03/27/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30019	Web

03/26/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77469	Web

03/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30034	Web

03/16/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89104	Web

03/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77088	Web

03/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30281	Web

03/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29073	Web

03/10/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77090	Web

03/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32506	Web

03/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70706	Web	Servicemember

03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35010	Web

03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85295	Web

03/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30326	Web

03/03/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	GA 30273	Web

02/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70118	Web

02/19/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 28677	Web

02/14/2023	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 76040	Web

02/14/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MI 48192	Web

02/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00687	Web

02/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30519	Web

02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Billing dispute for services	AL 36206	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75034	Web

02/04/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	LA 70001	Web

02/02/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19804	Web

02/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20910	Web

01/30/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75801	Web

01/27/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	LA 70117	Web

01/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75146	Web

01/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Credit monitoring or identity theft protection services Problem canceling credit monitoring or identify theft protection service	GA 30260	Web

01/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OK 73114	Web

01/24/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 15102	Web

01/20/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web

01/20/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75801	Web

01/19/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	WA 98248	Web

01/18/2023	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	CA 95008	Web

01/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 49048	Web

01/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 36108	Web

01/02/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 08527	Web

12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35674	Phone	Servicemember

12/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60640	Web

12/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	SC 29486	Web

12/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 34953	Web

12/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32821	Web

12/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77090	Web

12/05/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29302	Web

11/29/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	PA 18103	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 32795	Web

11/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	NC 28546	Web

11/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 31820	Web

11/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76117	Web

11/09/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78521	Web

11/08/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	GA 30126	Web

11/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AZ 85051	Web

10/27/2022	Yes	Debt collection Credit card debt	Threatened to contact someone or share information improperly Contacted your employer	FL 34683	Web

10/26/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76209	Web

10/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64083	Web

10/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 31061	Web

10/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35045	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AL 35758	Web

10/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

10/14/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	SC 29302	Web

10/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20012	Web

10/11/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76548	Web

10/08/2022	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	TX 751XX	Web

10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 31216	Web

10/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11233	Referral

09/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 76667	Web	Servicemember

09/27/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 91350	Web

09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 64083	Web

09/12/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20012	Web

09/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33179	Web

09/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48150	Web

09/06/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79903	Web

09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	LA 70805	Web

08/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79903	Web

08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19121	Web

08/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	AR 72342	Web

08/11/2022	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 22031	Web

08/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	AL 35758	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75002	Web

08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89002	Web

07/31/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	FL 33578	Web

07/19/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 60620	Web

07/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TN 38114	Web

07/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60620	Web

07/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91776	Web

07/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60484	Web

07/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33136	Web

07/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 10467	Web

06/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92105	Web

06/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CT 06082	Web

06/24/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33190	Web

06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75243	Web

06/03/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77386	Web

06/02/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NY 10454	Web

05/30/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MD 21044	Web

05/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 10990	Web

05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 34683	Web

05/23/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IL 60112	Web

05/20/2022	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11023	Web

05/17/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33016	Web

05/14/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77077	Web

05/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web

05/09/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MO 64804	Phone

05/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33712	Web

05/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 91101	Web

04/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77099	Web

04/28/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46112	Web

04/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30021	Web

04/27/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23075	Phone

04/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19131	Web

04/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	GA 30144	Web

04/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20720	Web

04/04/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19124	Web

04/02/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	AZ 856XX	Web

03/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	UT 84120	Referral

03/29/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	CA 92102	Web

03/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 24401	Web

03/16/2022	Yes	Student loan Private student loan	Struggling to repay your loan Problem lowering your monthly payments	PA 19038	Web

03/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	OH 43612	Web

03/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77090	Web

03/07/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MI 48118	Web

03/05/2022	Yes	Debt collection Payday loan debt	Communication tactics Frequent or repeated calls	TX 77504	Web

02/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92407	Web

02/23/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 19124	Web

02/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92411	Web

02/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	AR 72221	Web

02/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	GA 31827	Web

02/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40383	Web

02/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PR 00738	Web

02/15/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

02/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18106	Web

02/08/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 92503	Web

01/20/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19119	Web

01/19/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 22079	Web

01/09/2022	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 33837	Web

01/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85086	Phone	Servicemember

12/28/2021	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt is not yours	PA 19104	Web

12/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	TX 75023	Web

12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19144	Web

12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77365	Web

11/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 11375	Web

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

11/16/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	AR 72764	Web

11/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	PA 15221	Web

11/08/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19142	Web

11/08/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 92234	Web

11/05/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85378	Web

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19082	Web

11/01/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11217	Phone

10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NC 28694	Web

10/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30083	Web

10/20/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 92509	Web

10/18/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20772	Web

10/10/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 91708	Web

09/28/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	GA 30340	Phone

09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 24015	Web

09/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	AL 36117	Web

09/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Was not notified of investigation status or results	TX 77064	Web

09/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67208	Web

09/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

09/07/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77423	Web

08/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75207	Web

08/13/2021	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	FL 33610	Web

08/09/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77388	Web

08/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78566	Web

08/06/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	CA 92395	Web

07/31/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 33311	Web

07/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77365	Web

07/27/2021	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	GA 39823	Web

07/26/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08046	Web

07/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	TX 75235	Web

07/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60302	Web

07/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	FL 33610	Web

07/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32825	Web

07/08/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	FL 32738	Web

07/07/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33411	Web

07/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	TX 78520	Web

06/30/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	VA 22312	Web

06/30/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92563	Web

06/29/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

06/26/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 90220	Web

06/23/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32825	Referral

06/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	OK 73072	Web

06/20/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33009	Web

06/12/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77382	Web

06/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19123	Web

06/05/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19143	Web

06/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO 64134	Web

05/21/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94303	Web	Servicemember

05/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19140	Web

05/20/2021	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NV 89081	Web

05/19/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 78245	Web

05/12/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	MD 21076	Web

05/07/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07002	Web

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33426	Web

05/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	GA 30048	Phone

04/28/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web

04/23/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30024	Web

04/21/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem when making payments Problem during payment process	NJ 08043	Phone

04/21/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	AL 36870	Web	Servicemember

04/13/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	IA 50131	Web

04/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15215	Web

03/26/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NC 27260	Web

03/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 11729	Web

03/13/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30281	Web

03/12/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08618	Web

03/11/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 35758	Web

03/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33578	Web

03/03/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	PA 15217	Web

02/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29203	Web

02/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33321	Web

02/17/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 02301	Web

02/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 27858	Web

02/09/2021	Yes	Debt collection Credit card debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	NJ 08753	Phone

02/01/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 65721	Web

01/28/2021	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OH 45345	Web

01/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23860	Web

01/15/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CO 80015	Web

01/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76002	Web

12/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32819	Fax

12/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75241	Web

12/07/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29301	Postal mail

12/02/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AZ 85138	Web

11/24/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19130	Postal mail

11/13/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

11/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11433	Fax

10/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32219	Referral

10/23/2020	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	OR 97236	Phone	Servicemember

10/15/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NY 11722	Web

10/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85035	Web

10/02/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	NJ 07601	Phone

10/02/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77040	Fax

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20032	Web

09/21/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	DC 20018	Web

09/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36104	Web

09/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	NJ 07093	Referral

09/12/2020	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	LA 70835	Web

09/12/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19150	Web

08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30467	Web	Servicemember

08/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33311	Web	Servicemember

08/23/2020	Yes	Payday loan, title loan, or personal loan Installment loan	Incorrect information on your report Information belongs to someone else	TN 37037	Web

08/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

08/19/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77494	Web	Servicemember

07/19/2020	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CA 92804	Web

07/12/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76542	Web

07/07/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 20111	Web

06/22/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60181	Web

06/17/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	WV 24701	Web

05/28/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	AR 72116	Web

05/26/2020	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30253	Web

05/22/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AL 35406	Fax

04/25/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	VA 23860	Web

04/13/2020	No	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	CA 91304	Web	Servicemember

04/08/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75038	Web

03/27/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt		Phone

03/26/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

03/25/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35244	Web

03/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70508	Web	Servicemember

03/06/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 90272	Web

03/05/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33687	Web

03/04/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TN 37918	Web

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

02/21/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30016	Web

02/20/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48312	Phone

02/13/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28210	Web

01/23/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PR 00959	Web

01/08/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33150	Web

12/23/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33801	Phone

12/05/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28027	Referral	Older American

11/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33067	Web

11/13/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78217	Web

11/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	AL 36110	Web	Servicemember

10/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30534	Web	Servicemember

10/23/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90018	Web

10/15/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60914	Web

09/30/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MO 63044	Web

09/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48021	Referral

09/25/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32803	Web

09/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CT 06905	Web

09/09/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	DE 19709	Web

09/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78852	Web

09/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	SC 29607	Postal mail

09/03/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TN 37421	Web

09/02/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	FL 34639	Web

08/30/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PR 00949	Web

08/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30813	Web

08/22/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NY 13403	Web

08/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	PA 19149	Web

08/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78043	Web

07/29/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 41076	Web

07/04/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19129	Web

07/01/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15235	Web

06/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MO 65583	Web	Servicemember

06/19/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 31029	Web

06/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TN 37075	Web

06/07/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 70092	Phone	Older American

06/04/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78734	Web	Servicemember

05/13/2019	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	IL 60653	Web

05/12/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	FL 331XX	Web

05/10/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	VA 22172	Web

05/08/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32828	Web

04/27/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30309	Web

04/24/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11211	Web

04/20/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	PA 15221	Web

04/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33056	Web

04/17/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MD 21244	Web

04/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23803	Web

04/17/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TN 38133	Web

04/16/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75007	Web

04/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30048	Phone

04/09/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft		Postal mail

04/05/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48193	Web

03/14/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 23803	Phone

03/07/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 10467	Phone

02/21/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77047	Web

02/15/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28227	Web

02/11/2019	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	NY 11432	Web

02/07/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NC 27410	Web

02/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29470	Web

02/05/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 94598	Web

02/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33138	Web	Servicemember

01/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30039	Web

01/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IA 50317	Web	Servicemember

12/27/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10457	Web

12/08/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY 11553	Web	Servicemember

12/06/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19132	Postal mail

11/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29449	Web

11/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web	Servicemember

10/22/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	VA 22407	Web

10/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PR 00794	Referral

09/25/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91203	Web

09/23/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30013	Web	Servicemember

09/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	MA 01613	Postal mail

09/10/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NJ 07740	Fax

08/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA 91764	Web	Servicemember

08/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77077	Web

08/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 07740	Fax

08/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75052	Web

08/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32444	Postal mail

07/26/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FM 33880	Web	Older American

07/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 11385	Web

07/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 18103	Web

07/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 70607	Web

07/11/2018	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Card opened as result of identity theft or fraud	OH 43302	Phone

07/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	CA 94070	Web

07/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75010	Web

07/06/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 08752	Fax

07/03/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48174	Fax

06/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	RI 02905	Fax

06/06/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	PA 19143	Web

06/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30168	Web

06/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48213	Web

05/28/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 91910	Web

05/24/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10552	Web	Servicemember

05/16/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07017	Web

05/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10014	Web

05/11/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NJ 07753	Fax

05/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CA 94533	Web

05/08/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OH 44857	Web

05/07/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33772	Web

04/23/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NC 28052	Web

04/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AZ 85042	Web

04/21/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Problem with personal statement of dispute	PA 18424	Web

04/19/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 76108	Phone

04/10/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	SC 29732	Web

04/04/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85282	Web

03/30/2018	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33173	Web

03/28/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79065	Web

03/26/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MT 59901	Postal mail

03/18/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 90011	Web

03/17/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KY 42274	Web

03/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours		Phone

03/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75104	Web

02/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07753	Fax

02/18/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IA 51442	Web

02/13/2018	Yes	Payday loan, title loan, or personal loan Installment loan	Problem with the payoff process at the end of the loan	NY 12203	Web

02/08/2018	Yes	Debt collection Auto debt	False statements or representation Attempted to collect wrong amount	FL 32771	Web

02/07/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	AR 72120	Web

02/02/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07022	Fax

02/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08205	Web

01/12/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07712	Fax

01/11/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 27405	Web

01/10/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34761	Web

01/09/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 08753	Fax

01/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30459	Web

01/05/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77459	Web	Servicemember

12/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	GA 30013	Web

12/15/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95759	Web

12/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NE 68122	Web

12/11/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect		Phone

12/09/2017	Yes	Debt collection Credit card debt	Communication tactics You told them to stop contacting you, but they keep trying	VA 24504	Web

12/08/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 95682	Web

12/07/2017	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MI 48111	Web

12/07/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	WA 98116	Web

12/06/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08010	Web

11/30/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 15650	Phone	Servicemember

11/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19152	Web

11/08/2017	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60527	Web

11/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29732	Web

11/01/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30228	Web

10/31/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	DC 20001	Web

10/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77498	Web	Servicemember

10/23/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 75014	Web

10/18/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 12205	Web

10/13/2017	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	TN 38016	Web

09/21/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29479	Web

08/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77053	Web

08/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60616	Web

08/22/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NY 10025	Web

08/07/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34759	Web

07/25/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76111	Web

06/29/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 21740	Web

06/27/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MI 48180	Web

05/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29016	Web	Servicemember

05/22/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33510	Web

05/18/2017	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	IL 61938	Phone

05/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 32751	Web

04/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	NY 12508	Postal mail

04/21/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20874	Postal mail

04/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	IL 60643	Web

03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	UT 84321	Phone

03/15/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	GA 30331	Web

03/06/2017	Yes	Debt collection Credit card	Taking/threatening an illegal action Attempted to/Collected exempt funds	WI 53142	Phone	Older American

03/03/2017	Yes	Debt collection Credit card	Communication tactics Used obscene/profane/abusive language	VA 22046	Web

03/02/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75088	Web

02/05/2017	Yes	Debt collection Auto	Disclosure verification of debt Not given enough info to verify debt	NC 27610	Web

02/04/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30223	Web

01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75088	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34146	Postal mail

01/25/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WI 53206	Web

01/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 91010	Phone

12/06/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	SC 29405	Web

10/31/2016	Yes	Consumer Loan Installment loan	Problems when you are unable to pay	NJ 08536	Web

10/09/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33015	Web

09/28/2016	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt is not mine	MS 39304	Phone

09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	MA 02452	Phone

09/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	KS 66758	Web	Older American

09/18/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	FL 33403	Web

09/04/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	IN 47905	Web

08/15/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	PA 18106	Web

07/26/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33809	Web

07/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21044	Web

07/02/2016	Yes	Debt collection Federal student loan	False statements or representation Indicated committed crime not paying	TN 38115	Web

06/14/2016	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32835	Web

06/01/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	FL 33916	Web

05/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NY 11735	Web

04/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92104	Web	Servicemember

04/07/2016	Yes	Debt collection Payday loan	Disclosure verification of debt Not given enough info to verify debt	GA 31069	Web	Servicemember

02/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 75032	Web

02/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 11364	Web

01/25/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33844	Web

01/07/2016	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	ME 04069	Web

01/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DC 20001	Referral

12/14/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	CO 80021	Web

12/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Sued where didn't live/sign for debt	MD 21229	Web

12/02/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TN 38115	Web

10/27/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60629	Web

08/24/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30605	Web

06/09/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 78664	Web

06/09/2015	Yes	Debt collection Credit card	Disclosure verification of debt Not given enough info to verify debt	IA 50266	Web

05/26/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	NY 11423	Web

03/12/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OR 97402	Web

01/30/2015	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 92663	Web	Servicemember

01/29/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Sued w/o proper notification of suit	NY 13605	Web

12/10/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	VA 20176	Web

11/20/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21044	Web

10/18/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Talked to a third party about my debt	CO 80602	Web

09/20/2014	Yes	Debt collection Payday loan	Cont'd attempts collect debt not owed Debt is not mine	MI 48125	Web

09/17/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 95035	Web

08/22/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	NC 28731	Web

08/05/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Contacted employer after asked not to	AR 72002	Web

08/04/2014	Yes	Debt collection Credit card	Improper contact or sharing of info Talked to a third party about my debt	WI 53403	Web

07/24/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33411	Web

07/12/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	GA 30094	Web

06/25/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	CA 90064	Web

05/22/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 78721	Referral

05/19/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	MD 20721	Web	Older American

05/15/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	WA 98661	Web	Servicemember

04/18/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10010	Referral

03/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	PA 17111	Web	Servicemember

02/11/2014	Yes	Debt collection Credit card	False statements or representation Attempted to collect wrong amount	AE 09173	Web	Servicemember

01/26/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TN 38141	Web

01/22/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21213	Referral

01/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TN 38141	Web

01/13/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	OH 45750	Web

12/23/2013	Yes	Debt collection Credit card	Taking/threatening an illegal action Sued where didn't live/sign for debt	KY 40361	Web

12/08/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was paid	CA 93662	Web	Older American, Servicemember

11/19/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80138	Referral

08/31/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33141	Web

08/23/2013	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt resulted from identity theft	PA 19086	Web

08/16/2013	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt resulted from identity theft	FL 33140	Web	Servicemember