Debt collection -- Attempts to collect debt not owed -- Complaint #20817704
Debt Collector Pursues Allegedly Incorrect Debt
Complaint Overview
Complaint ID: 20817704
Company: Security Credit Services, LLC
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New Jersey
ZIP Code: 07065
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the debt collector may continue collection efforts, potentially impacting the consumer's credit if the debt is indeed not theirs and remains unresolved.
Consumer Sentiment: neutral
Topics: Debt collection, Incorrect debt, Dispute
AI Analysis
CFPB complaint 20817704 was filed against Security Credit Services, LLC regarding Debt collection (I do not know), specifically about "Attempts to collect debt not owed". A consumer reported that Security Credit Services, LLC attempted to collect a debt that the consumer claims is not theirs. The complaint was received on March 31, 2026 from New Jersey. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should immediately dispute any debt they do not recognize in writing and request validation from the debt collector.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed.
Regulatory Insight
This case highlights the importance of debt validation and the potential for errors in debt assignment or reporting.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in New Jersey, and state-specific consumer protection laws may also apply.
Industry Comparison
This is a common issue in the debt collection industry, where errors in debt information can lead to disputes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20817704 about?
CFPB complaint 20817704 involves Debt collection (I do not know). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt is not yours". This complaint was filed against Security Credit Services, LLC on March 31, 2026.
Which company is complaint 20817704 filed against?
Complaint 20817704 was filed against Security Credit Services, LLC. You can view all complaints against this company on their profile page at /company/security-credit-services-llc.
What was the company's response to complaint 20817704?
Security Credit Services, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20817704 filed?
Complaint 20817704 was received by the CFPB on March 31, 2026. It was sent to Security Credit Services, LLC on March 31, 2026.
What state was complaint 20817704 filed from?
Complaint 20817704 was filed from New Jersey. You can view all complaints from this state at /state/NJ.
Was the consumer satisfied with the resolution of complaint 20817704?
Dispute information is not available for complaint 20817704.
What product category is complaint 20817704 about?
Complaint 20817704 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20817704 submitted?
Complaint 20817704 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20817704?
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using deceptive or unfair practices, including attempting to collect debts that are not owed. This relates to a Debt collection complaint against Security Credit Services, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20817704 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20817704?
This complaint is rated as medium risk. The risk is medium because the debt collector may continue collection efforts, potentially impacting the consumer's credit if the debt is indeed not theirs and remains unresolved.
What regulatory actions apply to complaint 20817704?
This case highlights the importance of debt validation and the potential for errors in debt assignment or reporting. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20817704?
Consumers should immediately dispute any debt they do not recognize in writing and request validation from the debt collector.
Are there state-specific protections for complaint 20817704?
The complaint originated in New Jersey, and state-specific consumer protection laws may also apply. This complaint was filed from New Jersey.
How does complaint 20817704 compare to industry norms?
This is a common issue in the debt collection industry, where errors in debt information can lead to disputes.
What steps should a consumer take if they receive a debt collection notice for a debt they do not owe?
The consumer should immediately send a written dispute letter to the debt collector within 30 days of the initial notice. They should also request debt validation and avoid making any payments or promises to pay until the debt is verified.
What are the potential consequences for a debt collector who attempts to collect a debt that is not owed?
Debt collectors who violate the FDCPA by attempting to collect debts not owed can face legal action, including statutory damages, actual damages, and attorney's fees.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.