Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #17870694
Complaint Overview
Complaint ID: 17870694
Company: Security Credit Services, LLC
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Missouri
ZIP Code: 63033
Date Received: 2025-10-23T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the accuracy, completeness, and legality of the following account appearing on my consumer credit reports : Account Name : Security Credit Services Original Creditor : XXXX XXXX XXXX XXXX Balance : {$190.00} Date Opened : XX/XX/year> Status : Collection This tradeline is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Violations include, but are not limited to : - FCRA XXXX ( b ) [ XXXX U.S.C. XXXX ( b ) ] : Failure to maintain maximum possible accuracy. - FCRA XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ] : Failure to reinvestigate disputed information within XXXX days. - FCRA XXXX ( a ) ( XXXX ) ( A ) : Requirement to delete unverifiable information. - FCRA XXXX ( a ) ( XXXX ) ( A ) [ XXXX U.S.C. XXXX ( b ) ] : Furnishing data known to be inaccurate. - FDCPA XXXX and XXXX [ XXXX XXXX. XXXX, XXXX ] : Misrepresentation and failure to validate alleged debts before reporting. The reporting on this account is unverifiable, incomplete, and possibly re-aged in violation of FCRA XXXX ( a ) [ XXXX U.S.C. XXXX ]. If you can not verify this account with certified documentation from the original creditor bearing my signature, it must be permanently deleted from all credit files under FCRA XXXX ( a ) ( XXXX ) ( A ). Please provide me with : XXXX. The results of your reinvestigation. XXXX. The name, address, and phone number of each furnisher you contacted. XXXX. Copies of any documentation used to verify the information. If you continue to report unverifiable or inaccurate information, this will constitute willful noncompliance under FCRA XXXX [ XXXX U.S.C. XXXX ], and I will pursue all available legal remedies.
Frequently Asked Questions
What is Complaint #17870694 about?
Complaint #17870694 was filed against Security Credit Services, LLC regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-10-23T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.