Debt collection -- Attempts to collect debt not owed -- Complaint #20922549
Consumer disputes debt validity with Security Credit Services
Complaint Overview
Complaint ID: 20922549
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: Alabama
ZIP Code: 35603
Date Received: 2026-04-03T12:00:00-05:00
Date Sent to Company: 2026-04-03T12:00:00-05:00
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 is disputing the debt, which could lead to further collection attempts or legal action if not resolved.
Consumer Sentiment: neutral
Topics: Debt collection, Disputed debt
AI Analysis
CFPB complaint 20922549 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 3, 2026 from Alabama. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should gather any documentation that proves the debt is not theirs and provide it to the debt collector.
Legal Context & Consumer Protection Laws
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or abusive tactics.
Regulatory Insight
Regulators may investigate if there's a pattern of Security Credit Services attempting to collect debts from individuals who do not owe them.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Alabama, and state laws may also apply to debt collection practices.
Industry Comparison
This is a common issue in the debt collection industry, where disputes over debt ownership frequently arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20922549 about?
CFPB complaint 20922549 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 3, 2026.
Which company is complaint 20922549 filed against?
Complaint 20922549 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 20922549?
Security Credit Services, LLC responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20922549 filed?
Complaint 20922549 was received by the CFPB on April 3, 2026. It was sent to Security Credit Services, LLC on April 3, 2026.
What state was complaint 20922549 filed from?
Complaint 20922549 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 20922549?
Dispute information is not available for complaint 20922549.
What product category is complaint 20922549 about?
Complaint 20922549 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20922549 submitted?
Complaint 20922549 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 20922549?
Debt collection practices are governed by the Fair Debt Collection Practices Act (FDCPA), which prohibits collectors from using deceptive or abusive tactics. This relates to a Debt collection complaint against Security Credit Services, LLC involving "Attempts to collect debt not owed".
How likely is complaint 20922549 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 20922549?
This complaint is rated as medium risk. The risk is medium because the consumer is disputing the debt, which could lead to further collection attempts or legal action if not resolved.
What regulatory actions apply to complaint 20922549?
Regulators may investigate if there's a pattern of Security Credit Services attempting to collect debts from individuals who do not owe them. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20922549?
Consumers should gather any documentation that proves the debt is not theirs and provide it to the debt collector.
Are there state-specific protections for complaint 20922549?
The consumer is located in Alabama, and state laws may also apply to debt collection practices. This complaint was filed from Alabama.
How does complaint 20922549 compare to industry norms?
This is a common issue in the debt collection industry, where disputes over debt ownership frequently arise.
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 receiving the initial notice. This letter should clearly state that the consumer disputes the debt and request verification of the debt.
What rights does a consumer have under the FDCPA when dealing with a debt collector?
Consumers have the right to dispute a debt, request validation, and stop collection attempts if the debt is not theirs. The FDCPA also protects consumers from harassment and prohibits collectors from misrepresenting information.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.