Security Credit Services, LLC

Dear Mr***,
class="MsoNormal" "margin: 0in 0in 0pt; line-height: 150%;">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 *** *** account ending in ***. This is a consumer loan account originally opened with *** *** on 12/18/and subsequently charged off on 11/29/2013. Security Credit Services purchased the account on or about 12/31/2013. The account was then outsourced on 01/13/to *** ***, one of our collection agency partners. On 02/10/*** *** received a certified letter asking for validation of debt and to cease all collections until proper verification of the debt is made. At that time *** *** ceased all collection activity and notified us of the dispute. We entered a request in our system to electronically notify the credit reporting agencies that the account is currently being disputed.
We have tried to contact you directly via email and telephone to resolve your inquiry but have been unsuccessful. We have been provided with the documentation from *** *** and would like to forward this information on to you for your review. Attached are all of the documents that we have received from *** *** related to this loan. Please review the documents and let us know if you have any questions.
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
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 *** 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*** that we need the documentation from Kmart showing that this lease should have been voided to provide to
WNL

September 23, *** ***
"Palatino Linotype", serif;">** *** *** *** *** ** *** Re: Original Creditor / Account #: *** *** *** Current Account Owner / Account #: Security Credit Services, LLC / *** Dear *** ***: We are in receipt of your inquiry into the ***, 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, *** ** *** 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

Complaint: ***
I am rejecting this response because: Please review records for ***
** ***My records are found every time I have called, your company just won't release any information about the accountThird party, that has been hired by your company, has referred me back to you and has proof of payoff (*** *** ***) he also has documentation under *** ** ***
Regards,
*** ***

May 4,
serif;">*** *** *** * *** ** *** ** *** Re: Original Creditor / Account #: *** *** ** *** * *** Current Account Owner / Account #: Security Credit Services, LLC / *** Dear *** ***: Per your request, Security Credit Services has placed your account into a CEASE status, and all future communication will be done in writing. A request was 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, *** ** *** 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

*** *** *** *** *** ** *** ** *** Re: Original Creditor / Account #: *** *** * *** Current Account Owner / Account #: Security Credit Services, LLC /
*** Dear *** ***: We are writing in response to your inquiry about the account listed aboveOur records indicate that the account referenced above has been closed. A request was submitted to have this account deleted from EQUIFAX, Experian and TransUNION 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 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

*** *** *** *** *** *** ** ***
Linotype', serif;"> Re: Original Creditor Name / Account #: *** *** * *** Current Owner of Account / Account #: Security Credit Services, LLC / *** Dear *** ***: 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, *** ** *** Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

We have no consumer by the name of *** *** If you don't feel comfortable providing your SSN via this thread, please feel free to give me a call so that I can search by SSN. *** ***662-***

May 4, 2016 [redacted] Re:      Original Creditor / Account #: [redacted]             Current Account Owner / Account #: Security Credit Services, LLC /...

[redacted]                         Dear [redacted]: Per your request, Security Credit Services has placed your account into a CEASE status, and all future communication will be done in writing.  A request was submitted to have this account deleted from EQUIFAX, Experian and TransUNION.  The update may take up to 60 (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, 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.

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]

[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]

[redacted]
"Palatino Linotype", serif;"> Re: Original Creditor / Account #: [redacted] Current Account Owner / Account #: Security Credit Services, LLC / [redacted] Dear [redacted]: We are writing in response to your inquiry about the account listed aboveOur records indicate that the account referenced above has been closed. A request was submitted to have this account deleted from EQUIFAX, Experian and TransUNION 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

November 24,
2015[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 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 denies any allegations of wrong
doing, we take your inquiry seriously and provide our response below. Account informationAccount opening – The account was opened on September 1, 2013.  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 7 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 earlier. Once 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 account. Since
we have confirmed the information reported for this account is accurate, we are
unable to honor your request to delete the reporting of account history. We
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, 8 am to 5 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.

[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 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. After 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 60 (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, 8 am to 5 pm CST. Sincerely, [redacted] Support Services Representative Security Credit Services, LLC www.securitycreditservicesllc.com

September 23, 2016   [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 60 (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, 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,
2015[redacted]
[redacted]
[redacted]Re:      Original Creditor / Account #: [redacted], INC. / [redacted]            Current Accounts Owner / Account #: Security Credit Services, LLC /...

[redacted]  Dear [redacted]
[redacted]:We’re writing
to respond to your recent Revdex.com complaint regarding Security Credit Services (“SCS”)
and your account referenced above.Security
Credit Services received a written dispute from you on Thursday November 5 and
promptly began our investigation and response. We also communicated with the
collection agency working your account as to how they should respond. Ms.
[redacted] validated the account via email on November 12, 2015, with the attached
correspondence.  .
Regarding the allegations referenced in your letter to the Revdex.com, the state of California
does not require a debt collection license; however, SCS does maintain as
business license in the state of CA. Per review of correspondence provided to
you by Ms. [redacted] (see letter dated 11/12/15), SCS has properly responded to
your requests in accordance with the FDCPA. Section 1.2, 1.5, and 3.3 of the [redacted]
contract indicate your liability for the account. Although SCS responded to
your licensing inquiries, there is no basis in law to substantiate your request
for licensing documentation. In fact, court cases and the Federal Trade
Commission have found there is no duty to comply with such excessive
verification demands[1]. If you have proof for your other
allegations, please provide and we will review and respond accordingly.Given your
claim of a prior dispute with the previous owner of the account, SCS will cease
collection and submit a request to the credit bureaus to delete your tradeline
on this account as we are unable to obtain the previous owner’s records of this
dispute. If we may be
of any additional assistance, please do not hesitate to contact us.  Our hours of operation are Monday through
Friday, 8 am to 5 pm CST.Sincerely,[redacted]Chief
Compliance OfficerSecurity
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. [1] Chaudhry v.
Gallerizzo, 174 F.3d 394, 406 (4th Cir. 1999), cert. denied, 528 U.S. 891 (1999); See also Stonehart v. Rosenthal, No. 01
Civ. 651 (SAS), 2001 WL 910771 at *7 (S.D. N.Y. Aug. 13, 2001); FTC Statements
of General Policy or Interpretation Staff Commentary on the FDCPA, 53 Fed. Reg.
50097, 50108-09 (Dec. 13, 1988).

July 14, 2016   [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 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 11/3/2013.  ·         Account charged off - The account was charged off as a credit loss by [redacted] LLC on 03/08/2016 with a balance of $1,343.16.  This is the current balance on the account. ·         Account Purchased – Security Credit Services, LLC purchased the account from [redacted] LLC on 03/30/2016 ([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, 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.

February 8, 2016 [redacted] Re:      Original Creditor / Account #: [redacted] [redacted]             Current Accounts Owner / Account #: Security Credit...

Services, LLC / [redacted]                  Dear [redacted]: We’re writing to respond to your recent Revdex.com complaint regarding Security Credit Services (“SCS”) credit reporting procedures in reference to your account referenced above.  After conducting a careful review, our records confirm SCS is reporting this account correctly. We understand your concerns about the ownership of this account and the information supplied to the credit bureaus. While Security Credit denies any allegations of wrong doing, we take your inquiry seriously and provide our response below. Account information ·         Account opening – The account was opened with [redacted] on November 25, 2011 ·         Account charged off - The account was charged off as a credit loss on July 24, 2015. ·         Account Purchased – Security Credit Services, LLC purchased the account from [redacted] on March 30, 2013. Credit reporting ·         Current reporting –The account is reporting accurately to the credit bureaus with a principal balance of $7,002.  The beginning balance of the account was $12,602.55 and $5,600 in payments have been made (however, we noted that your last payment of $200 was returned as NSF and your balance will be adjusted to reflect the returned payment). ·         Prior to receiving your complaint, SCS identified a discrepancy with your account balance and corrected the account on 1/8/2016.  On 2/5/16 an updated report was sent to the credit reporting agencies with the reconciled amount. ·         Continued reporting – The Fair Credit Reporting Act (FCRA) allows us to report information on your credit report for 7 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 earlier. Once this time has passed, the account information will be removed from your credit bureaus as described in the FCRA. 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

September 23, 2016   [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 60 (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, 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.

April 29, 2016 [redacted]
Arial, sans-serif;">[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.