Debt collection -- Attempts to collect debt not owed -- Complaint #20889455
Debt Collector Pursues Allegedly Incorrect Debt
Complaint Overview
Complaint ID: 20889455
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: Florida
ZIP Code: 34741
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
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 consumer disputes the debt, which could lead to legal challenges or reputational damage for the debt collector if the debt is indeed not owed.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt, Improper collection
AI Analysis
CFPB complaint 20889455 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 April 2, 2026 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should dispute any debt they believe they do not owe in writing and request validation from the debt collector.
Legal Context & Consumer Protection Laws
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection efforts if a consumer disputes the debt and provide verification.
Regulatory Insight
This case highlights the importance of accurate debt validation and the potential for regulatory scrutiny if collectors pursue debts without proper verification.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Florida, and state laws may also provide additional consumer protections regarding debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where errors in debt assignment or record-keeping can lead to collection attempts on incorrect accounts.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20889455 about?
CFPB complaint 20889455 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 April 2, 2026.
Which company is complaint 20889455 filed against?
Complaint 20889455 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 20889455?
Security Credit Services, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20889455 filed?
Complaint 20889455 was received by the CFPB on April 2, 2026. It was sent to Security Credit Services, LLC on April 2, 2026.
What state was complaint 20889455 filed from?
Complaint 20889455 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 20889455?
Dispute information is not available for complaint 20889455.
What product category is complaint 20889455 about?
Complaint 20889455 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20889455 submitted?
Complaint 20889455 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 20889455?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must cease collection efforts if a consumer disputes the debt and provide verification. This relates to a Debt collection complaint against Security Credit Services, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20889455 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 20889455?
This complaint is rated as medium risk. The risk is medium because the consumer disputes the debt, which could lead to legal challenges or reputational damage for the debt collector if the debt is indeed not owed.
What regulatory actions apply to complaint 20889455?
This case highlights the importance of accurate debt validation and the potential for regulatory scrutiny if collectors pursue debts without proper verification. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20889455?
Consumers should dispute any debt they believe they do not owe in writing and request validation from the debt collector.
Are there state-specific protections for complaint 20889455?
The complaint originated in Florida, and state laws may also provide additional consumer protections regarding debt collection practices. This complaint was filed from Florida.
How does complaint 20889455 compare to industry norms?
This is a common issue in the debt collection industry, where errors in debt assignment or record-keeping can lead to collection attempts on incorrect accounts.
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. This letter should clearly state that the debt is disputed and request debt validation.
What is debt validation and why is it important in this scenario?
Debt validation is the process by which a debt collector provides proof that a debt is valid and that they have the right to collect it. It's crucial here because the consumer claims the debt is not theirs, and validation would confirm or deny this claim.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.