Security Credit Services, LLC

September 23, [redacted] Re: Original Creditor / Account #: [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] : We are in receipt of your inquiry into the [redacted] , LLC account listed above We understand your concerns regarding the ownership of this account and the information supplied to the credit reporting agencies We appreciate the opportunity to address any concerns you may have regarding this account Given your claim of fraud, we have made a business decision to close the account A request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION The update may take up to (sixty) days If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

July 14, [redacted] *** [redacted] Re: Original Creditor / Account #: [redacted] , LLC ( [redacted] )/ [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] : We’re writing to respond to your recent inquiry about your account listed above After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the account Enclosed are documents validating the debt: · Application · Pay History We understand your concerns about the ownership of this account and the information supplied to the credit bureausWhile Security Credit Services denies any allegations of wrong doing, we take your inquiry seriously and provide our response below Account information · Account opening – The account was opened on 11/3/ · Account charged off - The account was charged off as a credit loss by [redacted] LLC on 03/08/with a balance of $1, This is the current balance on the account· Account Purchased – Security Credit Services, LLC purchased the account from [redacted] LLC on 03/30/( [redacted] is a subsidiary of [redacted] , LLC) If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

[redacted] has been very helpful and I am satisfied with the resolution Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

September 23, [redacted] Re: Original Creditor / Account #: [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] ***: We are in receipt of your inquiry into the [redacted] account listed above We understand your concerns regarding the balance on this account and the information supplied to the credit reporting agencies We appreciate the opportunity to address any concerns you may have regarding this account Given the documentation you provided, we have made a business decision to close the account A request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION The update may take up to (sixty) days If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

From the Consumer: I spoke with [redacted] regarding this matter and she is working in it for meAt this time would not like to escalate this to a dispute Please advise Mr [redacted] that we need the documentation from Kmart showing that this lease should have been voided to provide to WNL

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

September 23, [redacted] "Palatino Linotype", serif;"> [redacted] Re: Original Creditor / Account #: [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] ***: We are in receipt of your inquiry into the [redacted] account listed above We understand your concerns regarding the balance on this account and the information supplied to the credit reporting agencies We appreciate the opportunity to address any concerns you may have regarding this account Given the documentation you provided, we have made a business decision to close the account A request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION The update may take up to (sixty) days If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

June 28, [redacted] [redacted] Re: Original Creditor Name / Account #: [redacted] Current Servicer of Account / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] : We’re writing to respond to your recent Revdex.com inquiry about your account listed above We understand your concerns regarding the status of this account and the information supplied to the credit reporting agencies We appreciate the opportunity to address any concerns you may have regarding this account In response to your validation request we received in March, our agency mailed you an acknowledgment letter to inform you that we were conducting an internal investigation into the account Due to length of time it has taken to conduct the investigation, we have closed the account and a request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION The update may take up to (sixty) days If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meA call was made directly to representative of the company whom responded to complaintShe acknowledged the mistake on their part and has verbally agreed to correct mistake on credit reportCall was made to [redacted] afternoon of 7/20/Assuming everything proceeds correctly on credit reporting based on verbal agreement, I am pleased with outcome Regards, [redacted]

[redacted] Re: Original Creditor Name / Account #: [redacted] Current Owner of Account / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] ***: We’re writing to respond to your recent Revdex.com (Revdex.com) inquiry about your account listed aboveWe understand your concerns regarding the status of this account and the information supplied to the credit reporting agencies We appreciate the opportunity to address any concerns you may have regarding this accountAfter conducting an internal investigation into the account, we were unable to validate that the agency handling this case properly responded to your request for documentation, therefore we have closed the account and a request has been submitted to have this account deleted from EQUIFAX, Experian and TransUNION The update may take up to (sixty) daysIf I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CSTSincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

July 14, [redacted] Re: Original Creditor / Account #: [redacted] , LLC ( [redacted] )/ [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] : We’re writing to respond to your recent inquiry about your account listed above After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the account Enclosed are documents validating the debt: · Application · Pay History We understand your concerns about the ownership of this account and the information supplied to the credit bureausWhile Security Credit Services denies any allegations of wrong doing, we take your inquiry seriously and provide our response below Account information · Account opening – The account was opened on 11/3/ · Account charged off - The account was charged off as a credit loss by [redacted] LLC on 03/08/with a balance of $1, This is the current balance on the account· Account Purchased – Security Credit Services, LLC purchased the account from [redacted] LLC on 03/30/( [redacted] is a subsidiary of [redacted] , LLC) If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, *** [redacted]

April 29, 2016 [redacted] Re: Original Creditor / Account #: [redacted] Current Account Owner / Account #: Security Credit Services,... LLC / [redacted] Dear [redacted] : We’re writing to respond to your recent inquiry about your account listed above. After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the account. Enclosed are documents validating the debt. We understand your concerns about the ownership of this account and the information supplied to the credit bureaus. While Security Credit Services denies any allegations of wrong doing, we take your inquiry seriously and provide our response below. Account information · Account opening – The account was opened on 4/12/2011. · Account charged off - The account was charged off as a credit loss on 10/31/2013 · Account Purchased – Security Credit Services, LLC purchased the account on 6/30/2015. In regards to your claim that SCS has failed to respond to your dispute, we have investigated and found that you submitted two disputes directly to one or more credit reporting agencies. We received notice of the disputes from the credit reporting agencies via e-Oscar and responded accordingly on 8/7/15 and 9/2/15. If I may be of any additional assistance, please do not hesitate to contact me. Our hours of operation are Monday through Friday, 8 am to 5 pm CST. Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.

November 24, [redacted] ***Re: Original Creditor / Account #: [redacted] Current Accounts Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted] :We’re writing to respond to your recent inquiry about your [redacted] , INC account listed above After conducting a careful review, our records confirm that you are correctly listed as the responsible party for the accountEnclosed are documents validating the debt We understand your concerns about the ownership of this account and the information supplied to the credit bureausWhile Security Credit denies any allegations of wrong doing, we take your inquiry seriously and provide our response belowAccount informationAccount opening – The account was opened on September 1, Account charged off - The account was charged off as a credit loss on July 31, 2014.Account Purchased – Security Credit Services, LLC purchased the account from Collect America on September 11, 2015Account Ownership – This account was opened in the name of Certified Group LLC with you ( [redacted] ) listed as owner In addition, you ( [redacted] ) signed as a personal guarantor of the loan, thus deeming you responsible for repayment of the loan regardless of the status of the business Credit reportingCurrent reporting – The account is reporting accurately to the credit bureaus with a principal balance of $7,524.99.Continued reporting – The Fair Credit Reporting Act (FCRA) allows us to report information on your credit report for years from the date the account is charged to profit and loss, or upon the expiration of the 180-day period beginning on the date of the delinquency leading to charge off, whichever is earlierOnce this time has passed, the account information will be removed from your credit bureaus as described in the FCRA..While we are sensitive to the service requests of our customers, as a fair and responsible debt buyer, we are also required to report the true history of each accountSince we have confirmed the information reported for this account is accurate, we are unable to honor your request to delete the reporting of account historyWe sincerely regret that we are unable to resolve this matter to your satisfaction.If I may be of any additional assistance, please do not hesitate to contact me Our hours of operation are Monday through Friday, am to pm CST.Sincerely, [redacted] Support Services RepresentativeSecurity Credit Services, LLCwww.securitycreditservicesllc.comThis communication is from a debt collector This is an attempt to collect a debt and any information obtained will be used for that purpose

Dear Ms***,We are in receipt of your inquiry into an account owned by Security Credit Services LLC (SCS), which we purchased on or about 11/21/ We have flagged the account as disputed and notified the credit bureaus that the account is currently in dispute status.
Our records indicate the account in question is a *** *** ** *** consumer loan account ending in 0267. The account was originally opened 12/28/and charged off by the original creditor on 05/20/2009. In your dispute you claim that you previously disputed this account on multiple occasions. Your account was outsourced to third party collection agencies working on behalf of SCS. Per their call logs and account notes they never received any calls or correspondence from you during the dates you claim. Our internal records do not indicate any previous requests for validation other than the email we received on 01/05/2015. On or about 01/12/we mailed you a copy of the original loan agreement to the address listed in your email. The agreement is also enclosed for your convenience. If you believe this account is the result of fraudulent activities please provide us with proof and we with further investigate on your behalf. If we may be of additional assistance please feel free to contact us. Our hours of operation are Monday through Friday 8am to 5pm CST.Sincerely,*** ***Support Services RepresentativeSecurity Credit Services, LLC West Oxford Loop Ste 108P.OBox 1156Oxford MS 38655Phone: *** *** ***Fax: 662.234.6899***@securitycreditservicesllc.com Pursuant to Federal Law, please be advised that Security Credit Services, LLC is a debt collector and is attempting to collect a debt. Any information obtained will be used for that purpose

*** ***
Technical Educational Services account #***
Security Credit
Services, LLC account #***
Dear Mr***,
Please find attached a copy of the original agreement related to the above account. Our records indicate that this account is currently in a CEASE status per your request to Total Card Inc(a collection agency partner of SCS). If you are in need of additional information or have any questions please feel free to contact me. Our hours of operation are Monday-Friday 8:00am to 5:00pm Central Standard Time
Sincerely,
*** ***
Support Services Representative
Security Credit Services, LLC
866-699-
www.securitycreditservicesllc.com
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose

Dear Ms***,
We are in receipt of your inquiry into an account owned by Security Credit Services, LLC. Our records indicate that the account in question is a *** *** *** of Delaware account ending in -***. After extensive review and research we could not find any
notes of a dispute being received in our office related to this account. I have attached the original account application for your convenience. The account has been moved to into a disputed status and all collection activity has ceased. Additionally, we have submitted a request to have out trade line removed from your credit report.
If I may be of any additional assistance, please do not hesitate to contact me. Our hours of operation are Monday through Friday, am to pm CST
Sincerely,
*** ***
Support Services Representative
Security Credit Services, LLC
866.699.7889www.securitycreditservicesllc.com
This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose

Please see attached letter from SCS in regards to the complaint from consumer *** ***This account has been closed.Thank you

Revdex.com:
Verdana">I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***