Updated on February 6th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Security Credit Services, LLC

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

Security Credit Services, LLC has been the subject of numerous complaints filed with the Consumer Financial Protection Bureau (CFPB). These grievances highlight concerning practices and potential violations of consumer protection laws. Below is a summary of the most common complaints and guidance on how consumers can protect their rights if they are victims of such practices.

Key Complaints Reported by Consumers 

Failure to Provide Debt Validation

Many consumers report that Security Credit Services fails to validate debts they claim are owed. This occurs when the agency refuses to provide proper documentation proving the consumer’s responsibility for the alleged debt, despite requests. This practice violates the Fair Debt Collection Practices Act (FDCPA), which mandates that debt collectors must provide debt validation upon request.

If this happens to you, these laws offer recourse:

• FDCPA: Request a written debt validation notice within 30 days of initial contact.
• Free Assistance: Contact legal experts to help you draft a formal validation request.

Identity Theft Claims Ignored

Consumers have raised concerns about identity theft issues. Victims report that even after providing police reports and evidence proving the debts aren’t theirs, Security Credit Services continues pursuit. This lack of action disregards the clear evidence and exacerbates the difficulties of recovering from identity theft.

Protect yourself against this violation:

• Fair Credit Reporting Act (FCRA): Submit a dispute to the credit bureaus along with proof of identity theft.
• FDCPA: Send a certified letter to demand the debt collector cease collection attempts on fraudulent accounts.
• Free Assistance: Get help filing disputes and navigating this process with specialized legal experts.

Inconsistent Contact Information Provided

Another frequent issue reported by consumers is inconsistent contact information from Security Credit Services. The agency allegedly uses multiple addresses and phone numbers, creating confusion and barriers to communication. This lack of clarity causes frustration and raises doubts about the agency’s credibility.

Ensure clear communication with these protections:

• FDCPA: Demand the debt collector provide accurate and consistent contact information.
• Free Assistance: Work with legal experts to help establish clear records of all communications.

Failure to Correctly Report Disputed Debt

Several consumers stated that Security Credit Services fails to update credit reports even after debts have been disputed and reported as fraudulent. This can lead to ongoing credit score damage and highlights a failure to comply with federal regulations.

If your credit report isn’t corrected, know your rights:

• FCRA: Dispute errors directly with credit reporting agencies. The agencies must investigate and resolve disputes within 30 days.
• FDCPA: Inform the collector they are obligated to provide accurate information to credit bureaus.
• Free Assistance: Consult legal experts to ensure credit report errors are corrected.

Violation of Statute of Limitations

Consumers have reported that Security Credit Services attempts to collect debts past the statute of limitations. This practice is illegal and unethical, yet some agencies resort to such tactics to coerce repayment from unaware consumers.

Here’s how to push back against illegal attempts:

• FDCPA: Inform the collector in writing that the debt is time-barred and they must cease collection efforts.
• Free Assistance: Get connected with consumer protection legal experts to review the debt timeline and take legal action if necessary.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Security Credit Services, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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