Debt collection -- Took or threatened to take negative or legal action -- Complaint #15364420
Complaint Overview
Complaint ID: 15364420
Company: Security Credit Services, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Florida
ZIP Code: 32526
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Previous company name is : XXXX XXXX. The new company that bought XXXX XXXX is Security Credit Services LLC. Furthermore, I am disputing your authority to collect this debt because your company has failed to provide proof of a valid collection license in the states where I have resided : Texas, Tennessee, and Florida. State law in each of these jurisdictions requires that a debt collector be properly licensed to collect debts. Until you can provide proof of proper licensing in each applicable state, any collection attempts are unauthorized and in violation of state law and the FDCPA.
Frequently Asked Questions
What is Complaint #15364420 about?
Complaint #15364420 was filed against Security Credit Services, LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2025-08-18T12:00:00-05:00.
How did Security Credit Services, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Security Credit Services, LLC?
Yes, visit the Security Credit Services, LLC company profile at readthecomplaint.com/company/security-credit-services-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.