{"took":93,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":3,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"9100783","_score":27.95196,"_source":{"product":"Debt collection","complaint_what_happened":"Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Inaccurate Credit Reporting by SecurityCred ( Account Number : XXXX ) Dear Sir/Madam, I am writing to file a formal complaint regarding the inaccurate reporting of a charge-off account on my credit reports by SecurityCred. The details of the account in question are as follows : - Original Creditor : XXXX XXXX XXXX XXXX - Account Number : XXXX - Account Type : Collection - Balance : {$7000.00} - Date Opened : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Payment Status : Collection/Chargeoff - Last Reported : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) - Date Last Active : XX/XX/XXXX ( XXXX )/ XX/XX/XXXX ( XXXX ) The issues with this account are as follows : 1. **No Contract with SecurityCred : ** I have no contractual relationship with SecurityCred. Under the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1692e, debt collectors must report accurate information and must not use false, deceptive, or misleading representations. The absence of a direct contract with SecurityCred invalidates the reporting of this debt on my credit report.\n\n2. **Continuous Reporting of Charge-off : ** The account has been reported as a charge-off every month for an extended period. According to IRS guidelines, an unpaid charge-off is considered income and should not be repeatedly reported. The continuous monthly reporting of this charge-off is misleading and does not accurately reflect the true status of the debt. Under the FCRA, information reported on my credit report must be accurate and not misleading.\n\n3. **Sale of Debt : ** The debt associated with this account has been sold to another company. The original creditor should have updated the account status to indicate this change. Reporting the debt as an active charge-off after it has been sold is inaccurate and misleading.\n\n4. **Issuance of Form 1099-C : ** I have requested a Form 1099-C from the original creditor, which should have been issued to indicate the cancellation of the debt. The absence of this form suggests that the debt should no longer be reported as active. \n\nI have previously disputed this matter with the credit bureaus ( XXXX, XXXX, and XXXX ) and the original creditor, but the issue remains unresolved. Therefore, I am seeking the assistance of the CFPB to investigate this matter and ensure that my credit reports are corrected to reflect accurate information. \n\nPlease find attached copies of relevant documentation, including my communications with the original creditor and the credit bureaus. \n\nI request that the CFPB intervenes to have this inaccurate charge-off removed from my credit reports promptly. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-05-25T04:07:09.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"92376","tags":null,"has_narrative":true,"complaint_id":"9100783","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-05-25T03:59:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["Consumer Financial Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Re : <em>Dispute</em> of <em>Inaccurate</em> <em>Credit</em> <em>Reporting</em> by <em>SecurityCred</em> ( <em>Account</em> Number : <em>XXXX</em> ) <em>Dear</em> Sir/Madam, I am writing to file a formal complaint regarding the <em>inaccurate</em> <em>reporting</em> of a charge-off <em>account</em> on my <em>credit</em> <em>reports</em> by <em>SecurityCred</em>."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[27.95196,"9100783"]},{"_index":"complaint-public-v1","_id":"11713557","_score":27.422298,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Dispute of Collection Account Account Number : XXXX Creditor : SECURITYCRED Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry.\n\nAfter reviewing my records, I found no written agreement or signed contract with SECURITYCRED authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. \n\nAdditionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that SECURITYCRED provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. \n\nThis inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the XXXX period, as required by law. \n\nShould the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. \n\nThank you for your prompt attention to this matter. I look forward to your response. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-01-24T00:35:35.000Z","issue":"Attempts to collect debt not owed","sub_product":"I do not know","zip_code":"777XX","tags":"Servicemember","has_narrative":true,"complaint_id":"11713557","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2025-01-24T00:29:13.000Z","state":"TX","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>SECURITYCRED</em> ( <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Re : <em>Dispute</em> of Collection <em>Account</em> <em>Account</em> Number : <em>XXXX</em> Creditor : <em>SECURITYCRED</em> <em>Dear</em> CFPB, I am writing to formally <em>dispute</em> the above-referenced collection <em>account</em> <em>reported</em> on my <em>credit</em> file. Under the Fair <em>Credit</em> <em>Reporting</em> Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[27.422298,"11713557"]},{"_index":"complaint-public-v1","_id":"11211274","_score":16.385742,"_source":{"product":"Debt collection","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECURITYCRED XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/year>2024 Verification of Debt Request Re : Acct # : XXXX Amount in dispute : {$220.00} Dear SECURITYCRED, I am reaching out to you about the debt you are trying to collect. You contacted me by phone on XX/XX/scrub> 2024. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( a ) and ( b ) which states that you must supply the following information : Information About the Debt and About the Creditor Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; 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 ; A statement that if the consumer notifies the debt collector in writing within the 30 day period that the 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 verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumer 's written request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.\n\nInformation About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Provide me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe any third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charges ; and Provide me with an affidavit that the Statute of Limitations has not expired on this account.\n\nInformation About Your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide the date of the license, the name on the license, the license number, and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license.\n\nI further dispute this debt and invoke my rights under the FDCPA and any other applicable state laws.\n\nI request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute.\n\nPlease note : If you have reported invalidated and inaccurate information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ), said action might constitute fraud and disparagement of credit under both Federal and State Laws. Accordingly, if any invalidated or inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. \nPlease respond to this request within 30 days of the date of this letter. I need a response from you to make an informed decision about the alleged debt. In addition to providing the above information, please let me know in writing if you are prepared to accept less than the debt you are claiming is owed. \nSincerely, XXXX XXXX XXXX","date_sent_to_company":"2024-12-19T06:59:11.000Z","issue":"False statements or representation","sub_product":"I do not know","zip_code":"323XX","tags":null,"has_narrative":true,"complaint_id":"11211274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Security Credit Services, LLC","date_received":"2024-12-19T06:49:21.000Z","state":"FL","company_public_response":null,"sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>SECURITYCRED</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> XXXXXX/XX/year>2024 Verification of Debt Request Re : Acct # : <em>XXXX</em> Amount in <em>dispute</em> : {$220.00} <em>Dear</em> <em>SECURITYCRED</em>, I am reaching out to you about the debt you are trying to collect. You contacted me by phone on XX/XX/scrub> 2024."],"company":["Security <em>Credit</em> Services, LLC"]},"sort":[16.385742,"11211274"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":3,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":3}]}},"product":{"doc_count":3,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt collection","doc_count":3,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":3}]}}]}},"issue":{"doc_count":3,"issue":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempts to collect debt not owed","doc_count":2,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Debt is not yours","doc_count":1},{"key":"Debt was result of identity theft","doc_count":1}]}},{"key":"False statements or representation","doc_count":1,"sub_issue.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Attempted to collect wrong amount","doc_count":1}]}}]}},"timely":{"doc_count":3,"timely":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Yes","doc_count":3}]}},"company_response":{"doc_count":3,"company_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Closed with explanation","doc_count":3}]}},"submitted_via":{"doc_count":3,"submitted_via":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Web","doc_count":3}]}},"company":{"doc_count":3,"company":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Security Credit Services, LLC","doc_count":3}]}},"state":{"doc_count":3,"state":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"CA","doc_count":1},{"key":"FL","doc_count":1},{"key":"TX","doc_count":1}]}},"company_public_response":{"doc_count":3,"company_public_response":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[]}},"tags":{"doc_count":3,"tags":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Servicemember","doc_count":1}]}}},"_meta":{"license":"CC0","last_updated":"2026-07-14T12:00:00-05:00","last_indexed":"2026-07-14T12:00:00-05:00","total_record_count":16441818,"is_data_stale":false,"has_data_issue":false,"break_points":{}}}