CFPB Complaint

Security Credit Services, LLC – CFPB Complaint 2017-10-20

Consumer Complaint Submission

Date Received: 2017-10-20

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: 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.

Company: Security Credit Services, LLC

State/Zip: IL 606XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2707782

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