|
11721465
|
2025-01-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
|
|
11806928
|
2025-01-28
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-28
|
|
|
11636565
|
2025-01-18
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
|
|
11204579
|
2024-12-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-12-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-18
|
|
|
11059766
|
2024-12-06
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-06
|
| Complaint What Happened |
Request for Investigation and Removal of Erroneous Debt from Credit Report To Whom It May Concern : I am writing to formally request the Consumer Financial Protection Bureau ( CFPB ) assist in resolving an issue with a debt of {$6500.00} reported by Security Credit Services that has erroneously appeared on my credit report. This debt does not belong to me, and I believe I am a victim of identity theft.
In the past, I successfully disputed a similar fraudulent account, which was removed after the creditor verified it was not my debt. Unfortunately, this new account has emerged and is significantly impacting my credit score and financial stability.
I can confidently testify under oath that I never authorized this debt, nor have I had any dealings with Security Credit Services. The presence of this erroneous debt on my credit report has caused immense hardship for my family and me, particularly in our attempts to secure financing for a home.
I have taken the following steps : 1. Submitted disputes to the credit bureaus requesting investigation and removal of the debt.
2. Contacted Security Credit Services for validation and resolution.
Despite my efforts, the issue remains unresolved, and I am now turning to the CFPB for assistance. I respectfully request the CFPB : - Investigate this matter thoroughly.
- Ensure Security Credit Services validates this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).
- Remove this debt from my credit report if it can not be properly validated.
Enclosed are copies of documents that support my claim, including : - Previous correspondence related to this dispute.
- Proof of the resolution of the prior fraudulent account.
- A sworn affidavit affirming my lack of connection to this debt.
This situation has been a distressing experience, and its resolution is critical for my financial well-being and my familys ability to move forward with purchasing a home.
Thank you for your prompt attention to this matter. I am available to provide any additional information or documentation necessary to support this investigation.
Sincerely, XXXX XXXX XXXX XXXX XXXX corona ny
|
| Consumer Consent Provided |
Consent provided
|
|
|
11449155
|
2025-01-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Credit card debt
|
| Date Received |
2025-01-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
10978739
|
2024-11-30
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-30
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-30
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11431539
|
2025-01-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11380965
|
2025-01-04
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-04
|
|
|
11343386
|
2025-01-01
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-01
|
|
|
10607034
|
2024-10-28
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-28
|
| Complaint What Happened |
I am requesting the verification of a negative item to show your lawful authority to collect on an alleged debt claim.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6701610
|
2023-03-15
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2023-03-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-03-15
|
| Complaint What Happened |
In accordance with the fair credit reporting act. All my negative accounts have been violated by my federally protected consumer rights to privacy and confidentiality act. under 15 use 1681.
15. U.S.C 1681. Section 602. A States I have the right to privacy.
15 U.S.C 1681. Section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states No consumer reporting agency can make any consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than 7 years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5730657
|
2022-07-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was already discharged in bankruptcy and is no longer owed
|
| Sub Product |
I do not know
|
| Date Received |
2022-07-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-03
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11002969
|
2024-12-02
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-02
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-02
|
| Complaint What Happened |
My information was leak due to data breach an is in the XXXX XXXX which is creating a problem with my credit report i would like to remove it from my report
|
| Consumer Consent Provided |
Consent provided
|
|
|
4392372
|
2021-05-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2021-05-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-05-20
|
| Complaint What Happened |
Today, XX/XX/2021. I was notified through my XXXX subscription that there was an update to my credit report. Upon checking, I found an account that I did not recognize. With no contact information. I contacted the original creditor XXXX XXXX XXXX XXXX XXXX. ( I have never banked with this bank ). They said they will investigate. I'm waiting to hear back from them.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3982609
|
2020-12-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2020-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-12-01
|
| Complaint What Happened |
I sent a dispute letter to Security Credit Services and XX/XX/XXXX credit bureau regarding a collection that was opened in 2020. XX/XX/XXXXis still the only credit bureau listed on my credit report while XX/XX/XXXX and XX/XX/XXXXhas since deleted this collection from my report the first time around. It is well over 30 days and the account still has hasn't been updated or removed.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10890251
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-21
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-24
|
| Consumer Consent Provided |
N/A
|
|
|
3375891
|
2019-09-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2019-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-09-16
|
| Complaint What Happened |
ON XX/XX/2019 I SENT MY 3RD LETTER REQUESTING ANY FORM OF PROOF OF DEBT FOR AN EXAMPLE DOCUMENTS BEARING MY SIGNATURE ON IT, DOCUMENTS WITH MY SIGNATURE STATING THAT I AGREE TO PAY THE FULL AMOUNT ALLEGEDLY CLAIMED AND ANY OTHER PROOF THAT I DO INDEED OWE THE ALLEGED DEBT. I ALSO REQUESTED THE VERIFICATION PROCESS AND INSTEAD THEY REFUSE AND SEND ME LETTERS STATING THAT THE INFORMATION IS VERIFIED AND ACCURATE. I AM NOT ASKING IF IT WAS VERIFIED OR ACCURATE I AM ASKING FOR PROOF AND YET THEY IGNORE MY REQUEST WHICH IS AGAINST THE FCRA LAWS.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10742721
|
2024-11-09
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-09
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-09
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2465929
|
2017-04-25
|
Problem with fraud alerts or security freezes
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Problem with fraud alerts or security freezes
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Product |
Credit reporting
|
| Date Received |
2017-04-25
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-05-05
|
| Consumer Consent Provided |
N/A
|
|
|
2985973
|
2018-08-08
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2018-08-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2018-08-08
|
| Complaint What Happened |
i asked for verification of debt certified mail to the collection company security credit services and in a return letter that they sent me there was not a copy of my E-signiture that validates this debt.im asking and request a copy of my E-signiture showing that this debt belongs to me, and if one can not be provided that it be removed off my credit report.enclosed is a copy of letter they sent me.
|
| Consumer Consent Provided |
Consent provided
|
|
|
2705759
|
2017-10-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2017-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-10-27
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10933468
|
2024-11-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-11-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2647993
|
2017-08-22
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
I do not know
|
| Date Received |
2017-08-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-08-22
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3950224
|
2020-11-12
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2020-11-12
|
| Submitted Via |
Fax
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-11-12
|
| Consumer Consent Provided |
N/A
|
|
|
10198571
|
2024-09-21
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Credit card debt
|
| Date Received |
2024-09-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-21
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3495971
|
2020-01-14
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
No
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2020-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-14
|
| Complaint What Happened |
Security credit services took debt from XXXX XXXX, an insitute I was making regular payments to. They never reported my payments and never notified me of a transfer of debt collector. Nothing was ever sent written in mail just showed up on my credit report!
|
| Consumer Consent Provided |
Consent provided
|
|
|
1391910
|
2015-05-26
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
I do not know
|
| Date Received |
2015-05-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2015-05-26
|
| Consumer Consent Provided |
Consent not provided
|
|
|
3409988
|
2019-10-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2019-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-10-18
|
| Complaint What Happened |
On XX/XX/19 I went to see a financial counselor to assist me with a fraudulent account that was reporting on my credit report. We were able to contact Security Credit Services which is the debt collector with the account. The representative gave us the steps to take to resolve this issue : 1. File a police report 2. Complete an Affidavit for forgery and have it notarize 3. Mail out copy of ID 4. Mail to XXXX, all which I did on XX/XX/19. The representative said that I should hear back from Security Credit Services in about a week. I had not heard back so on XX/XX/19 I called back and spoke with a representative, after confirming the account number and reviewing the documents we emailed the representative confirmed that the account was closed due to fraud. She went on to email me a letter stating " Our records indicate that the account referenced above has been closed due to fraud. A request has been submitted to have this account deleted from XXXX, XXXX and XXXX. The update may take up to 30 ( thirty ) days. '' I went on to contact all three credit bureaus to confirm that the account had been removed from my credit report and until this day only XXXX has removed the account. I went on to dispute this and have yet to get the account off my XXXX and XXXX credit reports.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10813725
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2024-11-15
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Attempts to collect debt not owed
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Debt collection
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|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
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| Company |
Security Credit Services, LLC
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| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
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| Date Received |
2024-11-15
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2024-11-15
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| Consumer Consent Provided |
Consent not provided
|
|
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3262758
|
2019-06-03
|
Written notification about debt
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Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
Security Credit Services, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
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| Sub Product |
Other debt
|
| Date Received |
2019-06-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-06-03
|
| Complaint What Happened |
I sent the Validation to this company on XX/XX/XXXX. At the same time I sent dispute to XXXX, XXXX and XXXX disputing this account.
ON XX/XX/XXXX I received the results of investigation from XXXX, XXXX and XXXX staying the account was validate from your company.
As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded.
On XX/XX/XXXX I received your debt validation responses.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
This Company violated the FCRA because Once you dispute the debt, the debt collector must stop all debt collection activities until it provides you with proof that you actually owe the debt. Witch in my case, they didn't stop collection activity and validated this account with the credit bureau before provide me with proof that I actually owe the debt As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.
Also, This company Violated the FDCPA because I never received from this company, " RIGHT TO NOTICE OF DEBT ''
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| Consumer Consent Provided |
Consent provided
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