Security Credit Services, LLC

I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Iam disputing this alleged debt and have requested validation under the fair debt collection practices avt ( 15 U.S.C 1692g ) the company has not provided sufficient validation including original creditor documentation, chain od title, or proof of authority to collect. I requested that collection activity cease and the account be fully investigated and removed if it can not be verified.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the nexXXXX XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Dear Consumer Financial Protection Bureau, I am writing to formally request assistance regarding a third-party debt that is currently being reported on my credit file. I believe this debt is inaccurate, unverifiable, or otherwise should not be reported, and I am seeking its removal. I did not sign any contract with this third party so I believe they should not be able to collect this debt any further. The account in question has been listed by a third-party debt collector. However, I do not recognize the account, or believe it may be reported in error. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, I am requesting that this matter be investigated. Specifically, I ask that : The debt be properly validated by the reporting agency and/or debt collector Any inaccurate, incomplete, or unverifiable information be promptly removed from my credit report. This company was not able to provide any signed contracts.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am filing a complaint regarding a third-party collection agency ( Security Credit Service ) that is reporting and attempting to collect a debt originally associated with XXXX XXXX XXXX XXXX XXXX This account is currently being reported by the original creditor as a charge-off and separately by Security Credit Service collection agency . I am concerned that this may result in duplicate or misleading reporting that does not accurately reflect the status of the account. Additionally, the reporting of this account is inconsistent across credit bureaus. The account does not appear on all credit reports, which raises concerns regarding the accuracy, completeness, and verification of the information being furnished. I have not been provided with sufficient documentation from the collection agency to verify that they have the legal authority to collect this debt, including proof of assignment or transfer from the original creditor.…

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I am filing this complaint because multiple debt collection agencies appear to be engaging in unlawful collection practices and inaccurate credit reporting in violation of the FDCPA and FCRA. After I formally disputed the alleged debts and requested validation, the companies failed to provide sufficient documentation proving I owe these debts, yet they continue collection efforts and may still be reporting unverified information to credit bureaus. Their failure to validate the debts and ensure accuracy may constitute violations of federal law, including misleading representations, unfair practices, and improper reporting. Based on this conduct, it appears these companies may be following a pattern of attempting to collect without proper proof while furnishing potentially inaccurate information, exposing themselves to civil liability.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, Experian/Portfolio Recovery Associate I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Security Credit Services XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable.…

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I demanded that SECURITY CREDIT SERVICES LLC provide proof of the ORGINAL contract that i signed with the ORIGINAL CREDITOR I also demanded SECURITY CREDIT SERVICES LLC provide the price the debt was purchased for from the original creditor, which was never provided because whats reflecting on my connsumer report is the original price NOT THE THE PRICE THE DEBT was PURCHASED for on XXXX i also demanded the same 3 items to no avail no RESPONSE from SECURITY CREDIT SERVICES LLC, which was well over 30days, which is a violation of the FCRA as well as the FDCPA & CDPIA

Validation of Debt Request - SECURITYCRED/XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately.

I am disputing this account as inaccurate XXXX request full validation, including the original signed agreement XXXX complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant XXXX the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled XXXX receive verification of the debt you claim I owe. I dispute the validity of this debt XXXX, as such, I am exercising my rights under the FDCPA XXXX seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed XXXX collect debts in.

Please help, my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts I referenced are not 100 % accurate. Until you provide competent evidence that validates the debt- including a signed agreement, full account history and verification of your authority to collect- you must cease all collection efforts and remove the information from my credit report.

I am submitting this response because I do not agree with the explanation provided by Security Credit Services regarding the account they claim originated with XXXX XXXX XXXX XXXX After reviewing the documentation provided in response to my complaint, I continue to dispute this account because I do not own it, I did not authorize it, and the documentation provided does not sufficiently demonstrate that I knowingly entered into any loan agreement with the original creditor. According to the response from Security Credit Services, the company claims that the account was originally opened with XXXX XXXX XXXX XXXX on XX/XX/XXXX and was later charged off as a credit loss on XX/XX/XXXX. They further claim that the account was purchased by Security Credit Services on XX/XX/XXXX and that the account is now being reported to the credit bureaus with a balance of approximately {$1500.00}.…

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Validation of Debt Request - SECURITY CREDIT SERVIC/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am filing this complaint regarding a debt that I believe was created through misrepresentation and is now being reported on my credit report and sent to collections. The account in question is currently being collected by Security Credit Services in the amount of {$12000.00}. According to my credit report, this account was opened on XX/XX/year> and is allegedly related to a loan issued by XXXX XXXX connected to a program offered by XXXX. When I briefly enrolled with XXXX, my understanding was that their program operated under a performance based agreement where payment obligations would only arise if they successfully helped me secure employment. I stopped using their services after only a short time because they were not providing meaningful assistance. At no point did I knowingly authorize or intend to take out a loan with XXXX XXXX for {$12000.00}.…

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Validation of Debt Request - SECURITY CREDIT SERVIC/WORLD ACCEPTANCE CORPORATION O - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Validation of Debt Request - SECURITY CREDIT SERV - XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I disputed a collection account reported by Security Credit Services with XXXX. The account was marked as verified, but no documentation validating the debt was provided to me. I have not received proof that this debt is mine, including account statements, a signed agreement, or documentation showing that Security Credit Services has the legal authority to collect this debt. Under the Fair Credit Reporting Act, companies must conduct a reasonable investigation when a consumer disputes an account. Simply verifying the account without providing supporting documentation is inaccurate and misleading. I request that Security Credit Services provide full validation of the alleged debt or delete the account from my credit reports.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Validation of Debt Request - SECURITY CREDIT SERVIC - XXXXXX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am submitting this complaint regarding a collection account being reported by Security Credit with a balance of approximately {$1500.00}. I am formally stating that I do not own this account. I did not open the original account associated with this alleged debt, I did not authorize anyone to incur this obligation on my behalf, and I did not receive or benefit from any goods, services, or funds related to this account. This account is the result of identity theft. I became aware of this Security Credit collection account after reviewing my credit report and noticing a derogatory tradeline reflecting a balance of approximately {$1500.00}. The reporting indicates that Security Credit is attempting to collect on an alleged debt that was either originally opened fraudulently or transferred after being opened without my knowledge or authorization. I have never entered into a contractual agreement with Security Credit.…

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SECOND FORMAL RESPONSE & FINAL DEMAND Identity Theft Signature Verification Demand XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX Security Credit Services , LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : SECOND NOTICE Identity Theft Account No. XXXX Original Creditor : XXXX XXXX ( Acct # XXXX ) To Whom It May Concern : This letter serves as my second formal notice regarding the above-referenced fraudulent account. You previously responded to my dispute but failed to provide competent documentary evidence proving that I entered into any contractual agreement. I have submitted a notarized Affidavit of Identity Theft, signed under penalty of perjury, clearly stating that : I did not open this account I did not authorize this account I did not sign any retail installment contract I did not receive any goods or financial benefit The signature on my notarized affidavit is my true and correct signature.…

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SECCREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research SECCREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

I am not a third party. You are a 3rd party trying to collect a debt i do not owe! I need authorization from your scamming ssa to prove you should have access to my personal information. I do not owe you and as stated previously i refuse to post this debt. This is my formal written refusal to post this debt per the fdcpa. Because Im a woman i guess XXXX too XXXX to read laws. You are the third party. This is my third time contacting this company regarding this alleged account. I REFUSE TO PAY THIS DEBT. I do not admit liability for this alleged obligation, and until proper validation is provided in full compliance with federal law, I will not make payment. This notice serves as my formal demand that Security Credit Services immediately cease all collection efforts and communications associated with this account.…

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