[Ohio Boy]

Who is this and where did they come from?

Got an alert today and updated my report to see Security Check LLC showed up with a 54.00 account as open and as an installment with payments due.

No dunning, no phone calls nothing from them ever.

Should I go after Security Check LLC with a dv letter or dispute with the CRA's?

[Hedwig]

Looks like they have something to do with collecting bad checks.

Have you ever had a check returned that they could have gotten as a collection?

[Ohio Boy]

Not that I can ever remember. The last bad check was almost 6 years ago and I cleared it up with chex systems then.

Can they just report it without even giving me a chance to know what it is?

[Enigma]

Security Check LLC

Call them.

[Ohio Boy]

Originally Posted by Enigma

Security Check LLC

Call them.

Thank you.
Are they easy to work with or will they report whatever they have for 7 more years?

[Enigma]

Originally Posted by Ohio Boy

Thank you.
Are they easy to work with or will they report whatever they have for 7 more years?

The seven year reporting period began the day the check was refused for payment.

I've never heard of them, but if it were me, this is what I would do. YMMV, and this not set in stone.

1. Give it five days. There is case law that says reporting to a CB is a communication as defined in the FDCPA.

2. Dispute then entry with the CRA as "I've never opened an account with xxxxxx on <they date they list in the CR>. Nor do i have an account with account number xxxxx with payments of $xx.xx.

3. When you get the CMRRR back, DV them. Something along the lines of: "On xx/xx/xx I was alerted that you have placed an account on my <name of CB>. That was over # days ago and as of the date of this letter, your office has failed to contact me.

<insert your favorite DV language>

Cordially,

me"

4. If they verify with the CRA, then they MUST verify with you, if not violation.

Do this now as the thirty day clock is ticking.

Then come back with the results.

[Ohio Boy]

Thank you so much.

Exactly what I will do. Now that I am trying to dig into this it appears it was not a check, maybe an old hospital bill.??

Will find out soon.

Will report as soon as I get some results.

Appreciate the help!

I should have known this...