| 01/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I reviewed a copy of my credit report, and notice that there were several inaccurate accounts being reported to my " THE ORIGINAL CREDITOR '' credit file.
Around XX/XX/XXXX, I " THE ORIGINAL CREDITOR '' put in a dispute to have third party debt collector " SOUTHWEST CREDIT '' to stop reporting to my credit file and remove the alleged debt from my credit file as these alleged debts do not belong to me nor did I authorize them to be open my consent was not given for my information to be furnished ( 15usc 1692 j ( a ) ).
I than put in a complaint with the cfpb/ftc stating that I was not the owner of this alleged debt with the entity southwest credit system and to complain that my information was furnished without my the federally protected consumer consent 15 usc 1692 j ( a ) ( b ), to a third party entity southwest credit which have no legal rights per the ftc/fdcpa ( 15 usc 1692i ( b ).
My dispute that I put in with the cfpb was believed to be resolved as the assessment of the dispute came back that the accounts with third party debt collector " SOUTHWEST CREDIT '' were indeed inaccurate and was removed from my credit file ( this assumes guilt, as a legal contract would not have been deleted ).
The removal of the two alleged accounts that came from the third party debt collector " SOUTHWEST CREDIT '' in the total amount of {$920.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ). one account total {$150.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ), the other alleged account for the total of {$760.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ), was removed from my credit profile as shown in exhibit a attached to this complaint.
I reached out to third party debt collector " SOUTHWEST CREDIT '' to verify, as I am a natural person per ftc definition, and capable by law of doing so, to find out how my personal information was ILLEGALLY obtained without my consent ( 15 usc 1692 j ( a ) ), and to invoice the third party debt collector " SOUTHWEST CREDIT '' for the violations they were found in violation of per 15 usc 1692j ( b ). 15 usc 1692k ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( to " THE ORIGINAL CREDITOR '' which is myself.
During the recorded and monitored phone call that took place on XX/XX/XXXX.. I spoke with several employees of southwest credit whom were deceptive in their speech ( 15 usc 1692 e ) stating that I " THE ORIGINAL CREDITOR '' owe an alleged monetary debt and the entity " SOUTHWEST CREDIT '' is not a debt collector, harassing ( 15 usc 1692 d ), as they implied repeatedly, that I was not " THE ORIGINAL CREDITOR '' and was RESPONSIBLE for this alleged debt.
Representative XX/XX/XXXX ( spelling check ) was the first agent I spoke with. The agent was hostile and oppressive ( 15 usc 1692 d ) as he consistently implied that I was indeed liable for this alleged debt in the amount of {$930.00} ( 15 usc 1692e ( a ), ( 15 usc 1692b ( 2 ) ), and that " SOUTHWEST CREDIT '' had legal rights ( 15 usc 1692 i ( b ) ) to my PRIVATE consumer information which is indeed a violation as no third party debt collector has rights to my " THE ORIGINAL CREDITOR '' original information without MY consent per 15 usc 1692c.
I was transferred to representative XX/XX/XXXX ( spell check ) was hostile in her tone as she falsely stated that the entity southwest was not a third party debt collector ( 15 usc 1692e ) nor were they a debt collector ( 15 usc 1692e ). The agent stated " they ( SOUTHWEST CREDIT ) only collected on behalf of XX/XX/XXXX. This is an admittance to having my the original information without my consent, as well as unfair practice 15 usc 1692f ), and ( 15 usc 1692e ) as they south west would not make clear their position to obtain my personal information.
Finally the finance department XX/XX/XXXX ( spell check ) was very rude and hostile ( 15 usc 1692d ) as she informed me they the entity south west could not zero out the balance which cause me anxiety thinking about the further damage to my character ( 15 usc 1692e ( a ), ( 15 usc 1692b ( 2 ) ), and to feel oppressed ( 15 usc 1692d ), because if they deleted the accounts from my credit report, why couldn't they zero out the balance. This made me feel inferior to them. Gisele, informed me that I was not entitled to any funding per 15 usc 1692 k, and the law does not state ( 15 usc 1692 j ), nor 15 usc 1692 k ) .and told me there was nothing more she could do for me before ending the call.
PLEASE VERFIFY RECORDED PHONE CALL WITH SOUTHWEST CREDIT AND MY SELF THE ORIGINAL CREDITOR as it is not on me the FEDERALLY PROTECTED COSUMER to verify any information.
On XX/XX/XXXX, I received a blank envelope in the mail, with a letter label/logo " Southwest Credit '' which is a violation of the ftc 15 usc 1692 e ( 14 ) ( B ), in the mail from the third party debt collector south west credit stating that if I did not respond within 30 days of their notice, the alleged accounts they say I allegedly owe in the amount of {$150.00} ( 15 usc 1692b ( 2 ) ), ( 15 usc 1692e ( a ) ), would go into collections. This is harassment and abuse per 15 usc 1692 d ( 1 ) as they have cause ruin to my reputation with potential lenders 15 usc 1692d. Letter from the third party debt collector southwest creditor is attached as exhibit c.
I immediately contacted the third party debt collector south west creditor by phone on XX/XX/XXXX @ XXXX XXXX, to inform them they had violated my consumer rights again as i had asked them to cease and desist ( 15 USC 1692 C ( B ) ( C ) all forms of communication with me the original creditor through all mediums ( 15 USC 1692C ( C ) as the alleged account was disputed, verified and deleted from my credit profile.
I upon the beginning of this call on XX/XX/XXXX, I asked for any information to be emailed to me including any possible interest fees, finance charges, or security interest and any other information, which was never received ( 15 usc 1692g ). I was told that the third party debt collector southwest doesn't have that information, which is false information ( 15 usc 1692 e ( a ) ).
I then asked the representative what was the relationship between southwest creditor and XX/XX/XXXX, and on this recorded and monitored phone call, the representative informed me that they, the entity southwest credit was indeed a third party debt collector.
I than asked her to put in for another cease and desist through all communication mediums ( 15 USC 1692 B ), and to transfer me to the finance department. the representative put me on hold, and than proceed to tell me that the finance department was closed ( misleading and false statement to collect a debt ( 15 usc 1692e ) and that I could leave a message.
I waited on hold, and was received again by XX/XX/XXXXin the finance department of which I was told was closed. Again XX/XX/XXXXwas again hostile and oppressive ( 15 usc1692d ) causing me further stress as I tried to explain my argument. Gisele informed me, " THE ORIGINAL CREDITOR '' that I was NOT the original creditor, and that XX/XX/XXXX( the ORIGINAL DEBTOR ), was the original creditor ( which would imply that southwest is indeed a third party debt collector 15 USC 1692I ( b ) ), and that I, " THE ORIGINAL CREDITOR '' was just a customer, a consumer of XX/XX/XXXX.
I informed her that she was incorrect, and that i wanted to collect per ( 15 usc 1692k ) the sum of {$1000.00} for each of the violations " SOUTHWEST CREDIT '' was in violation of. XX/XX/XXXX, again informed me that I had no right which was a disgrace to me " THE ORINIGANL CREDITOR '' ( 15 USC 1692 e ( A ), ( 7 ), made me feel oppressed ( 15 usc 1692d ) as her language was obscene ( 15 usc 1692d ( 2 ) ), Gisele made me feel unknowledgeable about my consumer rights, as she told me I would need a lawyer ( pain and suffering violation 1k ) per 15 usc 1692 k ). she implied I was wasting her time, and ultimately she hung up on me the federally protect consumer.
ANY PERSON WHO VIOLATES THIS SECTION SHASLL BE LIABLE TO THE SAME EXTENT AND IN THE SAME MANNER AS A DEBT COLLECTOR IS LIABLE UNDER SECTION 1692K OF TJIS TITLE FOR FAILURE TO COMPLY WITH PROVISION OF THIS SUBCHAPTER ( 15 USC 1692 J, ( 15 USC 1692 K ( 1 ), ( 2 ) ( A ) In a case of ANY action, pay 1,000 or ; 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.
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| 09/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. The following are the federal laws that they broke.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee 1006.34 Notice for validation of debts.
( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
1006.14 Harassing, oppressive, or abusive conduct.
( a ) In general. A debt collector must not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( h ) of this section.
( b ) Repeated or continuous telephone calls or telephone conversations ( 1 ) In general. In connection with the collection of a debt, a debt collector must not place telephone calls or engage any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
1006.18 False, deceptive, or misleading representations or means.
( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.
( b ) False, deceptive, or misleading representations.
( 1 ) A debt collector must not falsely represent or imply that : ( i ) The debt collector is vouched for, bonded by, or affiliated with the United States or any State, including through the use of any badge, uniform, or facsimile thereof.
( ii ) The debt collector operates or is employed by a consumer reporting agency, as defined by section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( iii ) Any individual is an attorney or that any communication is from an attorney.
( iv ) The consumer committed any crime or other conduct in order to disgrace the consumer.
( v ) A sale, referral, or other transfer of any interest in a debt causes or will cause the consumer to : ( A ) Lose any claim or defense to payment of the debt ; or ( B ) Become subject to any practice prohibited by this part.
( vi ) Accounts have been turned over to innocent purchasers for value.
( vii ) Documents are legal process.
( viii ) Documents are not legal process forms or do not require action by the consumer.
( 2 ) A debt collector must not falsely represent : ( i ) The character, amount, or legal status of any debt.
( ii ) Any services rendered, or compensation that may be lawfully received, by any debt collector for the collection of a debt.
1006.22 Unfair or unconscionable means.
( a ) In general. A debt collector must not use unfair or unconscionable means to collect or attempt to collect any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( f ) of this section.
( b ) Collection of unauthorized amounts. A debt collector must not collect any amount unless such amount is expressly authorized by the agreement creating the debt or permitted by law. For purposes of this paragraph, the term any amount includes any interest, fee, charge, or expense incidental to the principal obligation.
1006.30 Other prohibited practices.
( a ) Required actions prior to furnishing information ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must not furnish to a consumer reporting agency, as defined in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ), information about a debt before the debt collector : ( i ) Speaks to the consumer about the debt in person or by telephone ; or ( ii ) Places a letter in the mail or sends an electronic message to the consumer about the debt and waits a reasonable period of time to receive a notice of undeliverability. During the reasonable period, the debt collector must permit receipt of, and monitor for, notifications of undeliverability from communications providers. If the debt collector receives such a notification during the reasonable period, the debt collector must not furnish information about the debt to a consumer reporting agency until the debt collector otherwise satisfies this paragraph ( a ) ( 1 ).
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
5 U.S. Code 552a - Records maintained on individuals
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| 04/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. SOUTHWEST CREDIT SYS bal. {$850.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 02/23/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. SOUTHWEST CREDIT SYS bal. {$560.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX .
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XX/XX/XXXX and XX/XX/XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XX/XX/XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. SOUTHWEST CREDIT SYSTEMS bal. {$1100.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XX/XX/XXXXIowa XXXX CC : XX/XX/XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XX/XX/XXXX- CT XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
|
| 04/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. SOUTHWEST CREDIT SYSTEMS bal. {$710.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherw
ise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/22, I downloaded XXXX XXXX on my phone and reviewed the accounts in collections tab which had an account for Southwest Credit Systems, stating the original creditor was XXXX XXXX. I did not recognize the debt and decided to look up XXXX XXXX which led me to call XXXX. I first tried to see if I had possibly, previously set up an online acct and when I tried to do so, it said that there was no recorded account with my email address.
I proceeded to call XXXX at XXXX to inquire on the account and spoke to a gentleman who tried his very best to assist me in locating the account. I gave him my current and old addresses ( 3 total ) as well as my current email and the only other email I remembered using in the last 10 years. He stated he pulled up an account for one of the addresses I mentioned, but stated the name I gave him was not matching the records. I gave him both my maiden and married name which he stated did not match. I gave him my current cell phone number which I have had for close to 10 years as well as the last land line that I remembered having and none of those triggered a record within their system. He suggested that I answer a security question and I did. The question was what was the name of your elementary school? I gave him my elementary school name and he tried to punch it in as 1 word and again as 2 words and neither worked. I asked if I could give him my social security number and he said they dont work with social security numbers. He apologized for not being able to find my account.
A few days later, on XX/XX/22, I contacted Southwest Credit Systems at XXXX. The first person that answered my call was someone by the name of XXXX XXXX. She asked me for my name and other personal details, looked up my phone number and then asked me to hold. After being on hold, she connected, I was connected to another representative who gave her name. When I kindly asked her if she could repeat then spell her last name, she refused to spell it and said she does not do that and that it is spelled just like it sounds. I told her I was not familiar with the spelling of her name and asked again if she could repeat it just so I could have an accurate record of who I spoke with she again declined to spell it. The name as she repeated it sounded like XXXX or XXXX XXXX or XXXX or XXXX. I then asked her to please repeat the last name until I could get a better idea of how to spell it out and she continued to sarcastically repeat her last name until I again asked if her last name was spelled XXXX and she said no then yes. I gave up on getting a straight answer from her because I felt like she was being disrespectful and didnt give me an alternative to her last name such as maybe a customer service rep number in case she was not supposed to spell out her name. She only informed me that we dont do that. She did not state it was not allowed.
I proceeded to tell her I needed information on the account that was in collections and that I had called XXXX XXXX Spectrum and that they could not confirm that my personal information was linked to an account. I informed the Southwest Credit representative that I wanted to try and review the information on file because it seems as if the debt was not mine. She pulled up the information on said account and when I asked her the address that this debt was linked to and the time the debt was recorded the address she stated the debt was associated with and the time frame of the debt did not align to the address I was living a, at the time. I asked her for more details, and it seemed to bother her. I told her that it didnt seem to be my debt, and that I wanted details to ensure that it was not a case of identity theft. She ten asked if I wanted to dispute it and I said that all I wanted was to verify the information. I told her that since the debt is only for {$120.00}, I would be willing to go ahead and pay it even if it was not mine, just to expedite the process of getting it off of my credit report. I clarified that I still did not believe the debt was mine, however that I would rather not have to wait therefore I would pay it off if they would agree to remove the collection from my credit report. She asked if I wanted to pay off the debt and I told her that I would first need to know that if paid off it would be deleted from my credit report and she just repeated that it would show as a debt paid off. I then informed her that I was not going to pay the debt off.
I felt like I was given horrible customer service and I felt like Southwest Credit Systems was rude and disrespectful when all I was trying to do was confirm details that would help clarify if in fact it was my debt or I was a victim of identity theft or possibly a mistake on the creditors part. The representative that would not spell her last name spoke to me like I was ignorant which I do not appreciate. I was willing to pay the debt if I felt confident in the fact that it was in fact my debt. I do not recall owing XXXX XXXX and I dont recall receiving information on the debt or my rights on how to go about disputing it. Southwest Credit Systems did not inform me of how to dispute the debt. As a last resort, I was willing to pay the debt if they agreed to delete it my credit reports, even though I reminded her that it seemed to not be my debt, but she was not willing to work with me. I feel that from the beginning of our conversation the Southwest Credit Systems representative did not treat me with respect and did not willingly give me the information that I needed to resolve my situation.
I ask that this information be deleted from my credit reports as I feel like I exhausted the attempts to obtain verification on the details of this debt. In doing so, I had to take some time off from work to research, make the calls, and was treated with disrespect by the collection Agency Southwest Credit Systems. I do not feel like the call was productive and instead was made to feel ignorant by Southwest Credit Systems. I do not know what the dispute process entails but I feel uneasy about any further contact with this agency. This should not be the norm and no agency should be allowed to treat callers this way.
I am not unable to pay my debts and am not unwilling to pay them when I am able to ensure that the debt is in fact mine. I am trying to be financially responsible and in doing so have paid off old debt and have never been treated in such a belittling way by other agencies or creditors.
|
| 07/08/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
Servicemember |
|
Since XX/XX/XXXX Southwest Collections ( for XXXX XXXX ). Called me originally from this number : XXXX XXXX XXXX XXXX 1 ) Called me and asked me if I was Miss xxxx? I said no.
2 ) Just overrode the FTC XXXX XXXX with utter rudeness, kept over-talking.
A ) Claimed I have a bill from XXXX XXXX in Texas for the amount of {$48.00} from XXXX XXXX.
Informed them I do not have XXXX XXXX. I never lived in Texas.
B ) Asked me for info, and they claimed " Same name, Same person '' C ) Asked them to remove me off their telemarketing and registered in the Do Not Call D ) Reported them to FCC XX/XX/XXXX - XX/XX/XXXX Began calling me from ( XXXX ) XXXX XXXX ) Robocall - machine is broken 2 ) I blocked the telephone number XX/XX/XXXX 1 ) Reported me as " MAJOR DEROGATORY '' with XXXX and XXXX for {$48.00} Potentially Negative - New Collection XX/XX/XXXX Alert Type : Potentially Negative - New Collection Found On : XX/XX/XXXX XXXX Alert Date XX/XX/XXXX Balance Amount {$48.00} Is Collection Yes Open Date XX/XX/XXXX Payment Status UNPAID ( D ) Status Date XX/XX/XXXX Name SOUTHWEST CREDIT SYSTEMS , L.P .
Street Address XXXX XXXX XXXX, XXXX XXXX State TX Zip XXXX Potentially Negative - Major Derogatory XX/XX/XXXX Alert Type : Potentially Negative - Major Derogatory Found On : XX/XX/XXXX A new derogatory mark has appeared on your credit report. Please review the details of the alert for information that may indicate identity theft.
Additional Info Please review the alert. If you feel you are a victim of identity theft, follow the steps below to ensure your personal information is secure.
Source XXXX Alert Date XX/XX/XXXX Balance Amount {$48.00} Is Collection Yes Open Date XX/XX/XXXX Payment Status Grid Code G ( Collections ) Status Date XX/XX/XXXX Name SOUTHWEST CREDIT SYSTE Phone ( XXXX ) XXXX Business Type YC Street Address XXXX XXXX XXXX XXXX XXXX City XXXX State TX Zip XXXX XX/XX/XXXX - CALLING ME FROM ( XXXX ) XXXX ( SAME COMPLAINT AS ABOVE ) XX/XX/XXXX TO CURRENT ( XX/XX/XXXX ) ANY ATTEMPT TO SPEAK WITH SOUTHWEST COLLECTIONS RESULT AT ANY TELEPHONE NUMBER WILL RESULT : 1 ) WE DO NOT ACCEPT RELAY CALLS OR TRANSLATOR CALLS, WE HAVE TO SPEAK TO THE PERSON DIRECTLY ( CLICK ) 2 ) WENT TO THE LOCAL XXXX OFFICE ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) AND THEIR OFFICE BRANCH MANAGERS FOR EXPLANATION WHY THEY TURNED ME OVER TO THEIR COLLECTIONS AGENCY.
3 ) BOTH LOCAL XXXX MANAGERS AND NOW VIA ONLINE XXXX CHAT ... ARE AT A COMPLETE LOSS. MY ACCOUNT IS ON THE CREDIT SIDE.
4 ) 3 MANAGERS DIALED SOUTHWEST THEMSELVES ; WOUND UP TO BE A NASTY ARGUMENT. SOUTHWEST WAS DERAILING XXXX AND TOLD THE MANAGERS AT SEVERAL DIFFERENT TIMES THAT " YOU'RE FRAUD, I AM GOING TO CALL THE TPD ( TEXAS POLICE DEPARTMENT TO HAVE YOU ARRESTED! '' 5 ) REGIONAL MANAGER PHONED IN, I HAD ALL XXXX NETWORKS BILLS TO XXXX SINCE XXXX ... ENTIRE PILE OF BILLS EVERY SINGLE YEAR. HE SAT THERE AND RUMMAGED THROUGH ALL OF THEM. SAW THAT EVERYTHING WAS PAID BEFORE DUE DATE AND EITHER WAS PAID IN FULL OR THERE WAS AN OVERAGE AND IT WAS CREDITED TO THE ACCOUNT TOWARDS THE NEXT BILLING CYCLE.
XXXX - XX/XX/XXXX A ) He called Southwest in Texas. They told him that " I '' had an apartment in XXXX XXXX Area, acquired their services and suddenly departed with a balance of {$48.00} ( He asks for info, address, etc ) They informed him they are not allowed to give out information. ( FINE - he went into the system computer and typed all the info out. Finds the woman, and sees the notes that she had gotten married and the account was moved to her spouse 's account at XXXX XXXX. and sees there was an outstanding bill for {$48.00} but it's not mine. And it is XXXX XXXX. ) B ) Regional Manager then argues, that they can not impose their billing on me just because we had the same name. Ordered them to remove " me '' off the account and to delete the Credit Reporting all Agencies effective immediately.
XXXX - XX/XX/XXXXXX/XX/XXXX 1 ) Managers and Assistant Managers were aware of my issue.
2 ) They personally called Southwest themselves. Informed them to cease immediately, remove my info off their systems, effective immediately.
3 ) Southwest immediately stated that they DID have the right person ; XXXX XXXX informed them they do not!
4 ) Southwest agreed to delete and fix everything if they would provide them my " real '' name, account number, address, etc and they would verify if " she does or does not '' have a validated XXXX account.
5 ) Managers provided them my information on my account. Southwest then claims " This was her 2nd residency '' in Texas. ( I do not have a 2nd residency in Texas. ) When the local Managers informed them that the person they were looking for was married and under a different name currently.
6 ) Southwest actually told XXXX that " She's using an alias ''. No, my last name is my married last name, and I do not go by " Miss '', it is XXXX or XXXX.
XXXX SOMEWHERE BETWEEN XXXX TO XXXX - SOUTHWEST DELETED THE ORIGINAL TEXAS INFO AND IS CURRENTLY USING MY CURRENT ADDRESS. THIS HAS BEEN NOTED WITH XXXX / XXXX / XXXX XXXX DIVISION - ALL OFFICES. SOUTHWEST WAS WARNED THAT WAS ILLEGAL. AND APPARENTLY, SOUTHWEST IS CURRENTLY USING MY CURRENT INFO ... THE TEXAS INFO HAD BEEN DELETED OUT OF THEIR SYSTEM NOW. XXXX MANAGERS DID A RESEARCH AND THAT PARTICULAR MISS XXXX IN TEXAS AND HER OLD ACCOUNT HAS DISAPPEARED. XXXX XX/XX/XXXX BEEN WITH XXXX OVER THE LIVE CHAT. ORDERED THEM TO TAKE THIS PROBLEM OVER TO THE CORPORATE ( SEE ATTACHED ). THEY ACKNOWLEDGE MY ACCOUNT IS FINE. NO IDEA WHY SOUTHWEST SLAMMED MY CREDIT REPORT WITH MAJOR DEROGATORY.
All data and info has now been turned over to XXXX XXXX XXXX Corporate Office and their Legal Team.
CURRENTLY - SOUTHWEST CALLS ME 14 TO 30 TIMES A DAY NOW ... ROBO-CALLING, THE MESSAGES ARE SKIPPING - YOU CAN NOT CALL BACK, IT DOES NOT TAKE INCOMING CALLS.
+++++++++++++++++ XXXX / XXXX HAS BEEN MAILED THEIR " ACCOUNT NOT MINE '' FORM. THEY HAVE RECEIVED IT. ACKNOWLEDGES THAT THE COMPLAINT SOUTHWEST HAS IS NOT MINE.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1 .SOUTHWEST CREDIT SYSTE & {$180.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXXXXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SW CRDT SYS & {$56.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( XXXX ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The FederaXXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SW CRDT SYS bal. {$260.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
|
| 11/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SW CRDT SYS & {$500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX
|
| 02/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
Accounts Requiring Immediate Removal : Southwest Credit with for a debt you claim I owe of {$1400.00} that is reporting as a Collection/Charge Off Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to the fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of that Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request withing 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
CEASE AND DESIST Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( XXXX ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account.
Grant me my title lien free.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
Best regards, XXXX XXXX Please provide the following information : XXXX. Name and address of alleged creditor.
XXXX. Name on File of alleged debtor.
XXXX. Alleged account # XXXX. Address on file for alleged debtor.
XXXX. Alleged account # XXXX. Amount of alleged debt XXXX. Date ( this alleged debt became payable ).
XXXX. Date of original charge or delinquency.
XXXX. Was this debt assigned to a debt collector or purchased?
XXXX. Amount paid if debt was purchased.
XXXX. Commission for debt if collection efforts are successful.
Please attach copies of the following : Agreement with your client that grants ____ ( Collection Agency Name ) the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All Statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any judgements been obtained by any creditor regarding this account?
Yes No Please provide the name and address of the following bonding agent for ( Name of Debt Collector ), in case legal action becomes necessary : Authorized Signature of Creditor : __________________________ Date : ________________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter.
Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 days for processing after I receive this information.
|
| 06/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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While owning a home at XXXX XXXX XXXX, XXXX XXXX, NJ XXXX for approximately 6 months, I only had electrical service from XXXX XXXX XXXX for approximately 3.5 months of this time due to many restrictions of the home being vacant for an extended period of time. During this time, I never received a bill for payment until after the property was sold and transferred out of my name. I received a bill for approximately {$770.00}. I disputed the bill because the property was a rehab and was vacant. After electric was turned on in XX/XX/XXXX, a majority of construction was already completed using a generator, which would have use of any major tools drawing power. There were no major appliances being used during this time until approximately one week before settlement. The home was being heated with portable propane heaters because of an current electric furnace that was not functioning. Due to this, we decided to switch furnace to gas. Approx 1 week before settlement, XXXX XXXX XXXX came to hook up their end, at which time they struck an underground wire which prompted XXXX XXXX XXXX to respond for repair. After completed, the furnace became operational just a few days before final settlement. The reason that information is important, is because the furnace system was literally the only major appliance operational and was only operating for just a few days. I disputed this information to XXXX XXXX XXXX, and advised them we have all receipts, documents, and township permits to support our claim. They even obviously have the info regarding their repair in their system. There was no investigation done and they just took approximately {$100.00} off of the bill. I deemed that to be unacceptable and tried to suggest that there must have been some type of issue with the meter ( which was replaced by them after the fact ). Or there really was no true reading and XXXX XXXX XXXX just estimates bills due to the seasons. Either way it is literally impossible to incur such charges. The first bill from XX/XX/XXXX-XX/XX/XXXX was approx {$10.00}, then XX/XX/XXXX-XX/XX/XXXX was approx {$30.00}, then the next two bills were over {$300.00}. It logistically makes no sense at all and I disputed that there must be an explanation on their end because nobody was living in the house and only power being used was light bulbs until just a few days before settlement. After I received the adjusted bill of {$100.00} dollars off from my initial dispute, I called back to ask for investigation results and was denied any explanation at all. I stated I wanted to dispute still and demanded an explanation. I never heard back from them until I got a call from XXXX XXXX offering me something after I verified some information. Oddly enough, the only reason I entertained an odd phone call from XXXX XXXX XXXX in the first place was because I had recently applied for a XXXX XXXX credit card. After I Verified information, Southwest then told me about a collection rather than a promotional offer. I was surprised and told them I have been waiting to hear back from XXXX XXXX XXXX. They told me they would put status in dispute and contact XXXX XXXX I then went to purchase a car and the dealership advised me that I have a collection status on my report. At this time I called back XXXX XXXX to again resolve the situation. Supervisor XXXX XXXX ( refused to provide full name ) stated hat she would look into the situation. I requested all communication between myself and the company and the only thing I received was the final bill they had sent me 2 years prior. I never heard back from her and called 2 more times and left her messages without any return. Then I was able to speak with a different supervisor, XXXX XXXX XXXXXXXX ( also refusing to give first name ) who stated that the bill in question is too far out of date and no investigation could be completed but at the same time expects me to pay full balance for a situation that was never investigated at all or communicated with me. XXXX XXXX XXXX did state however that he would look into the debt collection placed on my credit report. I explained to XXXX XXXX XXXX that I will and want to pay what is fairly owed, however there is clearly an unfair handling of my account with no regard for me and proper justice and accounting. Since then, I have not heard back from him, after following up with him 3 different times. So I called on XX/XX/XXXX and spoke to an employee only identified as XXXX and asked her if she could verify my calls in their system and she did verify all of my attempts to call in to speak with Ms. XXXX and XXXX XXXX XXXX. She then stated that XXXX XXXX XXXX was not in yet today and would leave him a message to call me anytime after XXXX XXXX. Like all of my other attempts to rectify the situation, I again did not get a return phone call from XXXX XXXX XXXX. I have NEVER missed a payment on anything in my life and up until recently had a steady 850+ credit score. XXXX XXXX is abusing their power and authority with no regard for my personal being. All I wanted was to have this properly investigated with evidence of the alleged usage. XXXX XXXX XXXX was never able to provide the proof of usage to support their charges. Instead, they referred my bill to a collection agency, without ever trying to workout the situation, other the just send me a bill. Most of my documents are home depot receipts. If needed, I will contact my accountant for the settlement sheet proving sale just a few days after gas installation. However, both XXXX XXXX XXXX and XXXX XXXX XXXX will have records of their service work showing their work.
|
| 12/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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This is my second complaint about Southwest Credit. I received two letters from Southwest Credit today. Both letters are dated XX/XX/XXXX. Both letters state SWC is attempting to collect a debt for XXXX XXXX and include billing statements from XXXX. Since my first complaint has been closed, I'm going to have to include what the SWC employee wrote in response to my first complaint : the XXXX XXXX account for which SWC is attempting to collect the debt went delinquent in XX/XX/XXXX and was passed to SWC to collect the debt on XX/XX/XXXX. The first XXXX XXXX letter I received a week ago has the street address XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX, XXXX, and a XXXX, TX XXXX XXXX XXXX I was supposed to send payment to. The 2 letters I received today don't have the SWC address, only have a XXXX XXXX XXXX in XXXX, TX I'm supposed to send payment to. Though all 3 XXXX XXXX XXXX are in XXXX, TX, the XXXX XXXX number in the first SWC letter I received last week is different than the XXXX XXXX XXXX in both letters I received today. The phone number in the first letter I received last week is XXXX. The phone number I received in the two letters I received today is XXXX. The first letter I received last week had only an account summary stating XXXX XXXX was the current creditor, the same {$78.00} equipment cost as the two letters I received today, but a different balance than the 2 letters I received today. The total amount in all 3 letters SWC is attempting to collect is the same in all 3 letters : {$190.00}. The one-page letter from Southwest Credit in both letters I received today contain the same XXXX XXXX Client Account Number, Southwest Credit Reference Number , Placement Date, Charge Off Amount, Total Adjustments made since Charge Off, Equipment/Client Admin Fee and Collection Fee, Total Payments received since Charge Off, and Current Balance. However, the XXXX billing statements in each letter I received today have different XXXX XXXX Client Account Numbers, Security Codes, names on the billing statements, addresses, dates of service, and a breakdown of amounts due and other charges. In total, there are 3 billing statements : 2 billing statements in one letter and 1 billing statement in the other, but only one billing statement states the service provided by XXXX was for internet service. Neither letter contains a NY Department of Consumer Affairs Account XXXX, a name of a SWC employee, or a XXXX email print-out of when I supposedly opened the account at either street address. I'm going to upload both letters, but I'm also going to write what each billing statement reads. SWC also hasn't emailed me after I emailed them on their website on XX/XX/XXXX.
The letter with the XXXX billing statements with an XXXX XXXX XXXX address has my name on it, and includes 2 billing statements. The first billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$200.00}, payments recieved : XXXX, adjustments : XXXX, past due balance due now : XXXX, one-time charges, XXXX, partial month charges : XXXX, taxes, fees, and charges : XXXX, current charges : XXXX, total due : XXXX. The 2nd billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$120.00}, payments received : XXXX, past due balance due now : XXXX, XXXX XXXX : XXXX, one-time charges : XXXX, taxes, fees and charges : XXXX, current charges due by XX/XX/XXXX : XXXX, and total amount due : XXXX. Note that the billing cycles overlap : two separate XXXX bills, but the first billing statement is dated XX/XX/XXXX for service from XXXX and the second billing statement is dated XX/XX/XXXX for service from XXXX. Going by the billing statements SWC mailed me, not only did XXXX attempt to charge me twice from XXXX, there was no specified service for which they charged me.
The letter with the XXXX bill addressed to XXXX XXXX has a XXXX XXXX address on it and 1 billing statement. The billing statement is dated XX/XX/XXXX, service from XXXX, previous balance : {$130.00}, payments received : XXXX, adjustments : XXXX, past due balance due now : XXXX, past due balance due by XX/XX/XXXX : XXXX, and total amount due : XXXX. Remember that the Southwest Credit employee clearly stated in their response to my first complaint that XXXX XXXX not only placed the debt with SWC on XX/XX/XXXX, but also claimed that XXXX XXXX said the debt was valid a few days ago. Also remember each of the 3 letters mailed to me by SWC clearly states that the placement date was XX/XX/XXXX. XXXX is attempting to make me pay for a debt for a different person XXXX provided internet service to at a different address. No utility company is going to give a debt collection agency billing statements for 2 different people living at different addresses. No utility company is going to give a debt collection agency one person 's account number for a different person, a fact SWC is well aware of because the billing statements included in both letters have different XXXX account numbers, security codes, and dates of service. I find it impossible to believe 2 different people living at different addresses have not only the same total debt amount, {$190.00}, but also for unreturned equipment and outstanding balance owed to XXXX XXXX.
|
| 02/20/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Today, XX/XX/2019, I received a call from Southwest Credit Systems. This is the second call I have received after I have asked them to provide a validation of debt to my mailing address. I received a call XX/XX/2019 and let the representative of Southwest Credit to no longer call my cellular phone since I have that right under credit protection laws. Well I received another phone call, and since all calls are recorded they should be able to pull up all of my phone calls with them. I again asked to please send me a validation of debt to my address and hung up. Less than 2 minutes later XXXX XXXX from Southwest Credit called a friend of mine on his cell phone. 1 ) credit companies are not allowed to call another person and ask if they know the person they are trying to get in touch with. Especially since I just spoke with them When they called me. If I am not mistaken each call is {$1500.00} when they do not have permission to call. I will be expecting my check. Ok so back to the claim. This was removed from my credit as they could not prove I owed the bill. Secondly look at the attached photos of my credit report where I disputed this claim and it was removed. Also they have not provided who the original debt was owed to. If they will do the following I will happily entertain their notion I owe them.
I have repeatedly tried to fix this problem with Southwest Credit. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
|
| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX - I was added to my parents phone plan for a few months until I found a job ( I was moving back to the US ). My name was added to the account. We got offered a XXXX XXXX. We took it but I had to return it 2 days later. We went to the same location and canceled the service right then with the store employees. Nothing in print was provided for the cancelation because the employee said there was nothing to print. This was at the XXXX XXXX location in XXXX.
When I found a job, I went to another cheaper company ( XXXX XXXX ) and my phone number was canceled with XXXX. My parents stayed with the account.
XXXX - My mom saw that her bill still had those {$10.00} being withdrawn from her auto-debit. We went back to the store, the employee did a few clicks and assured us everything was fine now. The employee at the store said the charge shouldnt appear anymore. This was at the XXXX XXXX location in XXXX.
Summer XXXX - My mom retired in XXXX and both mom and dad moved to XXXX in XX/XX/XXXX. We went to the store to notify XXXX, the phones were canceled, the account was closed at the store, and again, nothing was provided in print that would prove the cancellation. We did ask every time even though we knew they never gave us any receipt or anything. The contract had expired, so we thought it was fine. This was at the XXXX XXXX location in XXXX.
XX/XX/XXXX - my mom ( already living in XXXX ) asked me to open her bank statement and I noticed that XXXX was still debiting from her account. I went to the bank and XXXX XXXX XXXX ( XXXX ) intervened. XXXX did an investigation, I showed a screenshot of the employees computer screen since they claimed nothing could be printed. At the same time, I went to the XXXX store where we got the XXXX in XXXX XXXX, XXXXXXXX XXXX employee at the store could only print the last months where they had been debiting the monthly bill with the account being closed. XXXX 's employee saw there were no phone calls being made, no texts, no internet used, nothing at all. I told him there was no use history because the account was supposed to be closed and the devices/XXXX-XXXX 'XXXX cards didnt even exist anymore. The employee told me the account hadnt been properly closed. Instead, it had been put on hold by mistake. He also confirmed the contract had been expired for a long time ( more detailed information in the letter attached I sent to the corporate office ). I never got any response from XXXX in writing. Over the phone, XXXX 's associate at the corporate office said they were going to reimburse my moms account only for a few months.
When I talked to the corporate employee she treated me like trash and a liar and even threatened the employee for trying to help. The woman didnt even allow him to speak when he was trying to explain what he was reading from the screen.
Whenever I went to the store, I had to spend hours on the phone because I was told the problem was outside the employees hands. We used the phone in the store to call the corporate office directly each time. This was at the XXXX location where I had to be back and forward but were more willing to investigate and help resolve the problem.
XX/XX/XXXX - the issue was resolved in the bank and the bank sent us a letter that said, we are pleased to let you know that the previously issued temporary credit ( s ) totaling {$260.00} is now permanent and we consider this disputed transaction ( s ) resolved. I also got a similar letter for {$89.00}. Since XXXX had said they were going to reimburse the few last monthly charges, I assumed it was all connected.
I went to the bank again and the banker/administrator recommended that we send a letter to the corporate office, which we had already done ; and to close the account, which we had done too ; but again no paperwork to prove that the account had finally been closed. A copy of the banks letters are attached.
XX/XX/XXXX - I received a letter from Southwest Credit saying, your account has been assigned to this office for collection. XXXX has placed your account with a balance of {$540.00}. I provided you with a copy of the letter too.
My moms account was never reimbursed with the many fees for the XXXX we returned ( and paid another restocking fee ). Even though we knew her contract expired, we still went to the store to cancel the account personally to make sure she was moving to another country without leaving anything pending. XXXX shouldve reimbursed us the fees they failed to cancel properly and for the time we had to spend at the store, on the phone with the corporate office when the employees couldnt help us solve the problems. XXXX stole money and time from us, and now I am being unjustly placed on collections for no reason at all. The account has been canceled since XXXX but the contract had been expired for longer than that.
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| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XX/XX/XXXX, Southwest Credit Systems on behalf of XXXX reported a Collection account dating back to XXXX against me with the three credit reporting agencies. This listing is incorrect and my credit score to immediately drop over 100 points, causing me significant harm, especially during the current Coronavirus emergency, when access to credit is vital.
Here are the facts : XX/XX/XXXX : I ordered an XXXX XXXX XXXX from XXXX via the internet for {$740.00} and paid {$250.00} including tax as the down payment. ( See addendum 1 ).
The order was processed, payment cleared, and the phone was mailed to me.
Upon receipt I discovered XXXX reception and coverage at my home office location of XXXX, MA, was very poor. I promptly contacted XXXX customer support to discuss this and options for resolution. This included testing at various locations between XXXX and XXXX ; investigating internet based XXXX XXXX and/or special antennas to improve coverage in my house. None of these solutions worked well.
After spending substantial efforts on the above solutions, I contacted XXXX customer support again to cancel the phone and made arrangements to return it. The service was cancelled within approximately 10 days of my receipt of the phone and the phone was promptly mailed back to XXXX after approval by customer service, within less than 14 days of the date I received it. This was as soon as possible after working through the testing, cancellation and return procedures and approvals with XXXX.
Two months later, on XX/XX/XXXX, XXXX confirmed receipt of the returned phone showing the date received as XX/XX/XXXX. This return confirmation ( which took XXXX 60 days to send me ) also confirmed refund of my original deposit. ( See addendum 2 ) XX/XX/XXXX XXXX send an additional confirmation of refund of my down payment. THIS WAS CLEAR CONFIRMATION THE PHONE WAS TIMELY RETURNED, MY REFUND ISSUED AND THE MATTER WAS CLOSED.
XX/XX/XXXX Jump forward 7 years, Southwest Credit Systems filed a Collection listing on my credit report at all credit reporting agencies based on a debt that does not exist.
Today XX/XX/XXXX I called Southwest Credit Systems disputing the Collection listing and requesting them to remove it from my credit report. Instead of handling this reasonably and in accordance with the laws governing incorrect credit reporting, they tried to convince me to pay 40 % of their stated {$600.00} amount due, suggesting that would clear my credit issue. I almost fell for that, just to remove the aggravation and time involved in clearing this from my credit record. However, after more questioning they admitted that even if I were to pay this XXXX fee ( my words not theirs ) the collection would remain on my credit report. I then spoke with a manager, who confirmed this but tried to convince me that my credit would be fine after paying the fee even though the collection record would NOT be expunged. I declined and am now trying to fix this wrong.
I believe both XXXX and Southwest Credit Systems have broken the laws and/or regulations protecting consumers from false derogatory credit listings. I believe both companies have used unfair and deceptive methods to try to collect money that is not due. I believe Southwest Credit Systems additionally used deceptive tactics to try to convince me to pay something not due and other violations of the consumer protection regulations.
The facts above and the documentation provided clearly show I acted diligently and promptly to resolve the poor coverage/signal-quality issue with XXXX and properly cancelled the service and returned the phone properly and promptly and in consultation with XXXX. XXXX clearly acknowledged and accepted the return and properly refunded my deposit because there were no lingering issues.
Further the timelines documented by the order date ( allowing for shipping time to me ) and date they confirm receiving the return ( allowing for mailing time to them ) are well within the terms of any purchase/return policy. Further, even if they were not ( but they were ), my reason for the return was because of poor service and the timing was the minimum possible to try to solve the issue and then to cancel the service, receive permission for the return and return the phone. Lastly, it is outrageous that XXXX retains position of the properly returned phone and seeks to be paid for its cost.
All of the above should make it clear that XXXX and Southwest Credit Systems should now act responsibly and remove all record of this incorrect Collection listing.
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| 01/21/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I writing this letter filing a complaint against SOUTHWEST CREDIT SYSTEM : Account # XXXX ORIGINAL CREDITOR ; XXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I receive a email about around XX/XX/XXXX and write them a certified letter of validation on XX/XX/XXXX ( letter attached ). I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did reply to my letter on XX/XX/XXXX SOUTHWEST CREDIT SYSTEM. Hereby reserve my right to take private civil action against you to recover damages. They did not answer any of the questions on the form they were suppose to return along with documents as followed : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation.
______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased?
XXXX Amount paid if debt was purchased : XXXX Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt.
Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.
Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.
Please attach copies of all statements while this account was open.
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ Print Name 1 ) Creditors if they report my credit history inaccurately. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX vs. XXXX XXXX. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX XXXX Joining the civil lawsuit against XXXX XXXX CHECK CLASS ACTION LAWSUIT, checking my credit without my authority. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX, XXXX ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I will be filing legal action against Southwest Credit and CRA.
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| 11/09/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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First off I would like to point out that Southwest Credit was negligent in getting their letter of collection to me. As shown in XXXX, the date of printing was XX/XX/XXXX, and XXXX ( from USPS Informed Delivery service ) shows that the letter was not delivered until XX/XX/XXXX. That is almost TWO WEEKS to receive this letter, so this shows that an authorized agent of Southwest Credit failed to post it in a timely manner. Since it took almost TWO WEEKS to get to me, it cut my " 30 days to respond '' in half.
This " debt '' is for unreturned equipment to XXXX/XXXX. The equipment in question has been returned to XXXX/XXXX authorized locations or picked up by XXXX/XXXX authorized representatives.
My first apartment, agent installed cable line and provided equipment. Agent also damaged floor by dropping tool box on linoleum floor. When I moved into my next apartment agent came to install cable line, and replaced all the equipment from my previous residence ( picked up and took with him ). At this residence I canceled all services excluding internet. Within 72 hours, an agent knocked on the door at around XXXX ( I remember this, as it was an unannounced visit after I had worked a late shift the previous night ). This agent picked up 2 DVR boxes and 1 VOIP telephone modem, and gave me a receipt. Around a month later, another representative showed up to pick up the units again. I have a witness to all the events so far, but he passed away in XXXX.
I moved into a new residence, and again a representative came to install a cable line. He also swapped out my existing internet modem with a new one, taking the old one with him. At some point, a representative came to replace my internet modem because the current one I was using failed. He took the malfunctioning one with him.
At some point I tried the TV service once again, but due to work and school taking up most of my time I canceled it because I had no time to watch TV. I returned the DVR unit to an authorized location and I received a receipt. I also have documentation through XXXX XXXX, as I use it as my XXXX. So I have the DAY AND TIME that I completed the transaction.
I received a letter letting me know that my modem was outdated and I could get a free upgrade. I called, and a received by XXXX a replacement modem. Installed it, placed the old one in the box, put the prepaid label on the box, taped it closed, and sent it off around a week later. I did receive a call around a month later, asking if I had returned it yet ; in which I pulled the tracking number up and informed the operator that it had been received ( giving her the day and time posted online ).
Finally, I moved out of state and set up an install at my new residence. The operator told me I would have to return the current modem to a location XXXX the representative could not pick it up at the time of install ). So a few weeks after I moved, I found the box I put the old modem in, and returned it ( receiving a receipt ). Within a week, I received SEVERAL phone calls from a representative trying to schedule a pick up of the modem that I had already returned. This representative never answered the phone or returned my calls. I did leave a voicemail stating that I had returned it, giving the day time and location.
So going through ALL locations and times that I had equipment, it was turned in. Now knowing how this technology is used/recycled ; the units were either cleaned and sent out to another customer, broken down for parts, or refurbished and sold off to a second world ( XXXX XXXX that could used the older tech to develop their market ).
So there is NO WAY XXXX/XXXX would know what happened to the units after they were received. Also, I have established that XXXX has POOR record keeping, since there have been multiple visits/calls trying to pick up equipment that had previously been turned in.
I would also like to point out, that I was billed an equipment rental fee for several months after the equipment was turned in ( I noticed when I received a physical bill at the third residence, so I am actually owed a refund for several months.
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| 02/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I ran a credit report on XXXX/XXXX/16 through my credit monitoring membership for all XXXX credit bureaus, I noticed an account was showing up for collection under the name Southwest Credit Systems. I contacted the Credit Bureau & filed a dispute indicating this account did not belong to me, in addition I was advised to contact the collection agency also and dispute it with them as well. I contacted Southwest Credit Systems on XXXX/XXXX/16 & spoke with a representative by the name of XXXX & explained the situation & that I wanted to file a dispute & could I speak to the proper person to take care of it, he was very rude & would not transfer me to the proper person or department, he kept insisting the debt was mine & that I could pay with Visa or Mastercard by phone. I kept explaining the debt was not mine & that it was an error however I was getting nowhere with him. I asked who the original creditor was on the account & he finally provided me the information as being XXXX XXXX XXXX XXXX gave me an original acct # for XXXX XXXX XXXX, once he disclosed this to me I explained this is definitely not mine as I have never had an account with XXXX XXXX XXXX. He was absolutely no help & kept insisting the debt was valid and belonged to me & that if I had an issue I would have to take it up with XXXX XXXX XXXX directly. I then contacted XXXX XXXX XXXX and explained the situation to them, the representative with XXXX XXXX XXXX provided information to me on the account such as name, dates the acct was open, amount owed, etc. I let the representative with XXXX XXXX XXXX know this is not my acct or debt & it was an error. They also disclosed to me they only had a name, address, phone # & DOB listed on the acct, none of which matched my info & they had no SSN or DL # so there is no way they could have provided my social security # to the collection agency. XXXX XXXX XXXX explained that they were not the ones to report this to the credit bureaus & they have no interest in this acct any longer as it now belongs to the collection agency so that if I had a problem I would have to take it up with them directly since they were the ones that reported the information to the credit bureaus. Obviously at this point I was very frustrated due to all the back and fourth and getting nowhere. I called Southwest Credit again on XXXX/XXXX/16 & this time spoke with the operator first, then transferred to a representative named XXXX & then another named XXXX none of which were helpful in any way. I was then transferred to another department & no one ever answered, I got a voicemail asking me to leave a message & that a consumer manager would call me back however I have no faith that will happen. Since I can not get any help from this horrible collection agency ( Southwest Credit Systems ) with employees that give you nothing but attitude and just want to collect money for a debt that is n't even mine I am hoping by filing this complaint I will be able to get this nightmare taken care of & resolved once & for all.
I would like to know exactly how this collection agency reported this to the credit bureaus as being my debt when XXXX XXXX XXXX does n't even have a social security # on file and in no way would have been able to provide it to them & since I never had an acct with XXXX XXXX XXXX. How can a collection agency pin this on me, I have worked very hard to have good credit and have always paid my debts. This debt obviously belongs to someone with a similar name and address as me. I actually have info on who the debt truly belongs to in doing my own investigating however since the collection agency wo n't let me speak to someone that actually might be willing to listen to me I have not been able to provide the info to them. I 'm in the process of getting approved for a home loan and this is negatively affecting me to be able and move forward.
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| 08/03/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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on XXXX XXXX a collection was placed ion my consumer credit file by the company SOUTH WEST CREDIT SYSTEMS for the amount of {$290.00}, i never received no proper documents when i asked for this company to validate this date, they have violated my rights as a consumer under fair debt collection practices & fair credit reporting act ..the list below is where this company has violated my consumers rights 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt.
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| 04/04/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2018 @ XXXX XXXX I called SWC and spoke with XXXX. After the initial greeting I informed XXXX that my phone call was being recorded and proceeded to ask 3 questions : ( 1 ) Who is SouthWest Credit? ( 2 ) How did SWC obtain this physical address as a mailing address considering that's information was not disclosed by me and does not match the address on the account ( 3 ) What physical contract/agreement exist between SWC and this or any XXXX XXXX?
The customer service rep ( XXXX ) became despondent after several failed attempts to verify the account, so XXXX hung up on after we had only been n the phone for 4 minutes and 17 seconds. This behavior proves that professionalism is far from the central values of SWC, which raises questions about there proficiency to adequately and accurately verify and report collections.
I reached out to SWC for a second and spoke with XXXX who already the account pulled up using the phone number I called from. XXXX proceeded with SWC verification process by providing me with a physical address, then asking if it was a past or present address ( PAUSE ). Did XXXX just disclose the personal information of an alleged SWC account holder to a person that has yet to be properly identified? YES! According to FCRA a consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. XXXX did not verify who she was speaking with before disclosing the physical address of that account holder and I never identified myself as an agent of a creditor, insurer, employer, landlord, or other business with a valid need for this information. So, for a second time, we see inconsistencies with SWC protocol and procedures for accurately verifying and reporting collections.
After I become dissastified with XXXX 's cavalier disposition and lack of proficiency during our discourse, she offered to connect me with her Executive who never picked up phone or returned my phone call. Words are one thing, but everyone reading this correspondence knows that having an actual recording brings this to another level. So SWC has 10 days to report to the credit agencies that the debt assigned to accts XXXX and XXXX are not associated with this XXXX XXXX or this recording will be made public and I promise you your office will experience a flurry of calls from unwitting consumers who have fallen for your predatory tactics. I WILL WIN! This is about my livelihood, if you make your money by jamming other people up, that's your business, but you won't do it to me.
SWC has a legal obligations under the FCRAs Furnisher Rule. Your responsibilities include : furnishing information that is accurate and complete. This information is inaccurate and incomplete, which means you are in violation of FCRA, sending a response thats says you are in compliance doesn't make it true either, so don't waste your 's or my time ( XXXX ). The only way for SWC to be in compliance after this encounter, with incomplete and unverified information, a consumer voice recording of not one but 2 SWC employees who could not adequately assist a consumer after delvulging personal information of acct holders, is go ahead and report is as an error to the credit agencies have this removed so SWC can bow out gracefully. As you can see I'm one of those consumer 's who doesn't stop, won't quit, and will fly to your headquarters to meet you in person, with the XXXX XXXX XXXX, to resolve this matter if necessary. Don't think that XXXX is shell address for your call center cause I do have the physical location of that as well. Thank you
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| 02/26/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Around XX/XX/XXXX of XXXX I was contacted by this company by a female representative about an outstanding debt with a former cable company, I informed her I would call back after the first of the year and make a payment. On XX/XX/XXXX I received a call from this company that I missed, upon calling back I spoke with a male representative who told me the balance was $ XXXX and that they would take a settlement for XXXX to pay off the account. I told him I had not received anything in the mail from this company and would like some kind of proof other than just someone calling me and saying I owe money. He informed me that they had allegedly sent something to my home address back in XXXX. I informed him it had not been received and that I would like it sent out again or if it was possible to be emailed so I could have it instantly. He informed me he could not email it that if I wanted email it would be handled by someone else and would take about 2 business days for me to receive it. I told him no problem and gave him my personal email address. I then asked if I could also be emailed a copy of the settlement offer as well and was informed that they could not email that information out and that if I would just pay it that day then they would send me a payed in full receipt. I once again stated that Im not going to give out my card information with no written proof of who this company is or who they are collecting money for.
I never received any sort of email or regular mail from this company in the following weeks.
On XX/XX/XXXX I checked my credit and found a collection had been added from this company, without them sending me any sort of proof that they are a legitimate company or that they were collecting for any sort of verifiable debt.
On XX/XX/XXXX I reached out to the company for an explanation on this and why I had never received the documentation I had requested. After several transfers and phone calls I was finally transferred to a supervisor whom informed me that they had recorded my email address correctly but something on their end had caused the information I had requested, and am entitled to by law, to not be emailed to me. She then offered to email the information to me right then, I asked if it would include the settlement offer and was told that could be emailed as well, that is in direct contradiction of what I was told on XX/XX/XXXX. I was then told that they have a no deletion policy for credit reporting. After I pointed out that this issue would have been resolved 7 weeks ago and this never would have hit my credit report in the first place had have the company sent out the information I had requested and am entitled to by law and that if this was not removed from my credit report I would report this to the XXXX, the State collection board and the CFPB, she told me I would have to reach out to another department and that they would take care of it. She transferred me to this department and I was forced to leave a voicemail.
They have failed to contact me in a timely fashion and at this point I would like this company investigated to the fullest extent of the law and any sort of fines or penalty 's that can be taken against the company as well as its employees, including but not limited to fines, license revocation, and criminal charges brought against its employees whom have failed to follow the law and their owners and managers who allow this type of criminal activity to happen within their company.
Attached you will find the E-mail that was sent to me by the company on XX/XX/XXXX. As you can see it is nothing but a settlement letter, it in no way shape or form identifies the company or proves the debt is legitimate.
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| 04/16/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, NY XXXX XX/XX/2020 Southwest credit system / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 01/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Previous dispute : XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. By law this info requested is to be sent within 5 days notice is received via certified mail.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in continuing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and/or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, my attorneys and I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my managing attorney to continue in filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Southwest Credit Systems, L.P. in case legal action becomes necessary. The claim ( in accordance to FDCPA and FCRA laws ) can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. The law in regards to this matter are not negotiable. I am invoking my consumer rights. Any attempt to circumvent the request made herein is a violation of my consumer rights. Law states if the request can not be completed, it must be removed immediately. My attorneys and I await your timely response.
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
If proper validation of this alleged debt is not provided within 30 calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure.
( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
|
| 08/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
During a review of the credit report provided by my credit card I noticed a collections company I was not familiar with, SW Credit Systems, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. I phoned this company and was connected with a rather inept individual who only stated I owed a cable company {$610.00} from a debt dating to XXXX. I was unaware of this debt and stated as such and mentioned that, in the state of Virginia, it was a time barred debt. This individual, after repeated holds to " talk with his supervisor '' switched me to an answering machine rather that the aforementioned supervisor. I was called later that afternoon and the process continued eith another unnamed individual. The XXXX relevant facts from this conversation were that XXXX still owned the debt, SW Services had had the debt for one year, and -finally-if I paid {$300.00} during that call the debt would be satisfied. I then filed a complaint with the company and received a reply from XXXX XXXX, Executive Relations Manager.
auto-dial, or text to discuss your reasons for contacting SWC True by providing this email, you are expressly giving SWC permission to contact you at this email to discuss your reasons for contacting SWC True Name of SWC agent ( if known ) XXXX XXXX for contacting SWC I noted a derogatory debt on my creditwise credit report with the name of your company. Having no knowledge of the debt I called and spoke with your clueless rep XXXX. I say clueless because he was unable to find my information and I had to be put on hold for him to " check with his supervisor '' I was eventually told that I owed a debt to XXXX, dated XXXX/XXXX/10, for the amount of {$610.00}. I have never been contacted about above said debt. XXXX also stated that you have had the debt for 4 to 5 days. This is an outright lie as I noted it on the above said credit report a month ago. I requested a letter of validation, yet never took my email address. I informed him that-in XXXX-this is a time barred debt. Time for a supervisor check ... tic ... tic..tic ... then I was transferred to a voice mail, without warning, saying that a credit manager would be contacting me. There can be little doubt why your company has the reputation it does when perusing reputable online sites.
XXXX XXXX, Southwest Credit Systems, L.P. ( " SWC '' ) has received your complaint submitted through our website. I appreciate you offering us the opportunity to assist you with your issue.
SWC apologizes for the bad experience you had when calling our office. SWC strives to assist every consumer in their initial contact. Unfortunately, it appears this did not happen in your case. Due to SWC 's heavily regulated industry, we are unable to provide specific account information through email. It is SWC 's wish to help you in whatever manner possible.
Generally speaking, SWC can not provide legal advice. However, SWC does not believe it has any dealings with time-barred debt. SWC does not have any relationship with " creditwise '' and is unfamiliar with any reporting they provide.
Having received your validation request, SWC will provide validation within the allotted time permitted by law. Unfortunately, we are unable to provide this via e-mail.
Again, SWC apologizes for any confusion and appreciates you bringing this matter to our attention. SWC will use this experience as a way to better train its agents to assist consumers going forward. In the event you need further assistance, please contact our Executive Relations Manager at XXXX.
Further research indicates that this company reported this debt on my XXXX credit report with no notification to me.
Thank you, XXXX XXXX
|
| 03/08/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct XXXX To Whom It XXXX Concern : This letter is regarding account # XXXX, which you claim I owe {$700.00}. This is a formal notice that your claim is disputed.
This is the second or third collection agency that has is trying to collect on account I did not open or ever have. Why is this being taken off my credit from one collection agency when they can not provide validation and then sold to another collection agency attempting to collect a debt I never signed for or have any knowledge of.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) - Violation of the Fair Credit Reporting Act XXXX but not limited to Section XXXX ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA SSN # XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX and complaint I want to file a complaint against, XXXX XXXX XXXX, LP. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX, and TXXXX XXXX XXXXOF XXXX XXXX XXXX, XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. XXXX XXXX XXXX letters ). After finding out about this negative accounts on my XXXX XXXX account I submitted the validation letters to XXXX XXXX XXXX, LP. They removed it from my credit report but now I received a letter from XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX
|
| 01/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I received an email from Southwest Credit Systems , LP with a notice regarding a XXXX XXXX account. I responded to the email with the below response and requested that they do not correspond with me via email.
" To Whom It May Concern : This letter is being sent to you in response to an email notification sent to me from your company. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence via regular mail, not an email, that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX, and XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX, and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer-generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure me your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. ''
|
| 02/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX RE : Account {$1200.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
|
| 05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm filing this complaint because I have had it with Southwest Credit Systems. They are attempting to collect a debt for XXXX that I do not owe. I know for a fact I don't owe it because I have XXXX services currently and have for years. Furthermore, I have communicated back and forth between XXXX and Southwest Credit Systems for months to figure out what's going on and I am being told I don't owe money.
To be more specific on my complaint, I will describe what actually happened. Back in XXXX I noticed there was a collection on my credit report for XXXX. It was being reported by Southwest Credit Systems. Because I had XXXX for years, I didn't know why I owed a collection since I pay my bill every month. I decided to call Southwest Credit Systems. They attempted to inform me that the bill was for non returned equipment to XXXX from prior services. I knew that I left XXXX in good standing in the past so I knew this was a bogus reason. I decided to call XXXX. If I really owed XXXX money for prior non returned equipment, why did they render services to me again? Also, why didn't they tell me about a pending balance at the time of re-establishing services?
When I called XXXX I informed them about what Southwest Credit Systems said. The XXXX representatives said there was no money owed. I then called Southwest to inform them of this but Southwest told me they spoke with XXXX and XXXX claims I owed money. I was shocked so I called XXXX back. XXXX then assured me there was no pending balance and that they had no prior balance owed in their system. Once I heard this I was furious. Furious at Southwest Credit Systems because they lied to me. After several calls back and forth between XXXX and Southwest I finally hired an advocate to assist me with this problem as it was damaging my credit report and both companies kept changing their story.
On XX/XX/XXXX, my representative called Southwest and requested validation of debt. he confirmed my address with them. To this day I have not received validation of debt and it has been 43 days since it was requested. To follow up on this validation of debt and the account as well, my representative and I kept in touch with XXXX and Southwest systems. At one point, XXXX said that I did owe money but for equipment only. They then changed their mind and said I didn't owe any money. On my representative 's side, Southwest said they verified with XXXX that the bill was for services and not equipment. That the services were for XXXX and XXXX of 2015!! I've had current nonstop services with XXXX at least since that time. Obviously I am now very upset because I have no idea what's going on.
If I did owe money to XXXX for Services in XXXX and XXXX of 2015, then why wouldn't they tell me? Also, I know it's impossible because my current service with XXXX has been going on since then. If I did owe for equipment, then why is XXXX saying I don't owe them? Why is Southwest and XXXX giving me multiple versions and never the same version of what I supposedly owe? Why haven't I received validation of debt within 30 days of request as mandated by law? How could this debt be verified at the credit bureau level if Southwest can't even figure out what I owe and why it's owed? I am now at the point where I don't care. If I have to. I will sue Southwest and XXXX as they are causing me damage to my credit report and can't give me a straight answer. I am reporting this to you so you can see that this is a sham and both XXXX and Southwest need to stop with this nonsense.
|
| 03/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I ended service XXXX on XX/XX/XXXX. After receiving my final statement I notice some additional charges that needed to be corrected. Contacted on XX/XX/XXXX and informed them of the errors. A ticket was created to amend bill and a new updated bill will be sent in 7 to 10 business days. Bill never received. Called XXXX XX/XX/XXXX in regards to bill. Customer service observed bill was still waiting on supervisor approval for corrections. Another ticket was created and marked urgent for corrections and new bill. On XX/XX/XXXX received a credit alert stating that my XXXX account was turned over to a third party collections agency. Spoke with the representative rom Southwest Credit and they stated that they were XXXX attempting to collect on a past due bill for {$510.00}. Explain to them that the charges were incorrect and the bill was being reviewed for corrections. Requested to be transferred to billing and at that time they stated they were a third party collections hired by XXXX. I contacted XXXX XX/XX/XXXX and spoke with XXXX ( # XXXX ) who reviewed my bill with her supervisor and corrected it, She also sent a request to remove my account from the third party collections ( # XXXX ). On XX/XX/XXXX contacted XXXX to check on the status of my account and it was still in collections. The customer service representative stated that the first request was denied and the collection agency refused to remove at the request of XXXX. She then created a second ticket ( # XXXX ) which requested that the account be removed from collections. On XX/XX/XXXX the collection agency updated the payment amount from {$510.00} to {$360.00}. I contacted XXXX on XX/XX/XXXX and referenced that second request for my account to be removed form collections. I was informed that the collections agency denied and requested payment. I then contacted Southwest Credit and inquired about the request form XXXX and they stated that they never received any request. They took my information and stated that they would call me back. I continued to call XXXX between the dates of XXXX and XXXX to request my final statement and to request that the third party collection agency be removed from my account. XXXX repeatedly told me that they did not have to provide me a final bill and requested that I pay them the amount of {$360.00}. I informed them that I was told on several calls that I would get an updated bill in the mail. The customer service representative on XX/XX/XXXX told me that they do not have any function which will allow them to send me an update statement for the changes in the charges. I requested to speak to a manager and supervisor which they informed me that my bill was sent to collections in error but stated that they would not remove it until I paid XXXX {$360.00}. I requested a my updated statement again but XXXX refused to send me one. I then requested another ticket be generated to remove from collections but they denied stating that XXXX tickets hade been sent already. The manager of XXXX then stated that I needed to pay today or my account will stay in collections. She continued to recognize the error in billing but stated that once the bill is paid they would remove form collections. I informed her that I would submit payment once I had the ability to view my updated statement and that the third party collections was removed from my account. She stated that she would not send me the bill and that I should trust her that my balance is accurate. She reported that the collections will remain until I pay.
|
| 08/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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on XXXX XXXX a letter was was sent to me by a company by the name of SOUTH WEST CREDIT i received this on XXXX XXXX in regards to a alleged debt that is owed .i would like to inform you that i am not interested in or will not make an attempt to pay this falsified debt..as a consumer which is stated in 15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.i am not obligated to pay this accused accusation by you .congress specifically placed the word ( 0r ) for a specific reason .i your letter that you sent to resident which i gave you NO consent to contact me and invaiding my privacy, in your statement in this letter you mentioned '' UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTRE ANY VALIDITY OF THIS DEBT OR ABY PORTION THEREOF, '' THIS OFFICE WILL ( ASSUME ) THIS THE IS VALID '' 1.you can not " VALIDATE ' a debt between a consumer and a creditor..i would LOVE yo inform you of the multiple VIOLATIONS you have committed in this letter:15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol , other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business..you have violated my rights twice in your initial letter which can be penalized by federal law.15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ... .TO ADD ON TO MY COMPLAINT I AM REFUSING!!! TO PAY YOU ( SOUTH WEST CREDIT ) and as a consumer i am DEMANDIND/WISHING you the debt collector ( SOUTH WEST CREDIT ) cease all communication with me the consumer, i have expressed my federal rights that has been giving to me by me, to educate you of my expression of my rights the statue below will describe my statement above more fluently. 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;. For.. your understanding each of my rights that you have knowingly violated is valued at {$1000.00} by LAW /UNDER FEDERAL LAW, BE ADVISED!!! the following statue as follow:15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ... ALL COMMUNICATIONS BETWEEN ME AND THIS COMPNY WILL BE HELD FOR LEGAL PURPOSES!!!
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| 04/08/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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my complaint was closed with no resolution. southwest credit system is a debt collector and has NO RIGHTS and has violated my consumer rights. This not a duplicate but a electronic notice to the CFPB to inform and have the cfpb enforce compliance. SOUTHWEST CREDIT SYTEM who is a debt collector pursuant to ( 15 USC 1692a ( 6 ) ) who has failed to comply with 15 USC 1692 and 15 USC 1681 is now civilly liable under 15 USC 1692k and 15 USC 1681n. pursuant to 12 CFR 1006.6 ( d ) ( 1 ). SOUTHWEST CREDIT SYTEM must not communicate, in connection with the collection of any debt, with any person other than, myself the consumer, the creditor of said account and their lawyer and the debt collector 's lawyer. SOUTHWEST CREDIT SYSTEM failed to comply with the requirements under this regulation and is in violation by communicating with the third-party credit reporting agencies not permitted by law and without consent in connection with their attempt to collect an alleged debt. A collection account was furnished to my consumer report on XX/XX/2022, SOUTHWEST CREDIT SYSTEM in violation of 15 U.S. Code 1692j ( a ) by designing, compiling and furnishing a collection account to my consumer report that is being used to create false belief in I the consumer and that a person other than the creditor is participating in the collection of an attempt to collect a debt when in fact the creditor is not participating. SOUTHWEST CREDIT SYSTEM is in violation 15 U.S. Code 1692f ( 1 ) by using unfair and unconscionable means prohibited under this subchapter to attempt to collect an alleged debt that was not authorized by an agreement creating the alleged debt or permitted by law. I am aware that there was never an agreement made between myself and SOUTHWEST CREDIT SYTEM that authorized the creation of the alleged debt. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692d ( 1 ) by using violence and criminal means to harm my consumer reputation. They used means prohibited by this subchapter to communicate their attempt to collect an alleged debt to the third-party credit reporting agencies resulting in the furnishing of a collection account to my consumer report. I am aware that the furnishing of this negative account to my consumer report dropped my score and has harmed my reputation it is now harder for me to obtain credit because my credit worthiness and reputation is now harmed and this has caused me financial hardship due to the difficulty obtaining new credit and this is directly affecting interstate commerce. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692c ( b ) by failing to comply with the provisions in this subchapter, SOUTHWEST CREDIT SYSTEM communicated with third parties such as Transunion in connection to their attempt to collect an alleged debt and told them that I alleged owed a debt which is prohibited by law pursuant to 15 U.S. Code 1692c ( b ). SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1681q by willfully and knowingly obtaining my location information from a consumer reporting agency under false pretenses and is now liable to be fined under Title 18 of the United States Code, imprisoned for not more than more than 2 years or both. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692e 2 ( a ) by using false, deceptive, misleading representation and means prohibited under this subchapter in connection with the collection of an alleged debt.
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| 08/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Firstly, I admire the promptness by which Southwest Credit Systems responded to my complaint. Like I have stated in my previous complaint and in my letter to said company, I have no affiliation with them or their affiliate company ; nor am I affiliated with the addresses listed in the letters they supposedly sent me regarding this alleged debt. Namely, an XX/XX/2017 purportedly advising that they have been assigned a debt belonging to me. Once again, to the best of my recollection, I have had no dealings with Southwest or XXXX excluding letters sent requesting validation of the alleged debt to help in my investigation. You have stated in your XX/XX/2017 letter that the alleged debt has been assigned to Southwest. I hereby request through this forum, evidence of such assignment giving rise authority for you to collect on this debt. I am also requesting debt validation in the form of documentary evidence bearing my wet ink signature evidencing a contractual relationship between myself and XXXX and/or Southwest Credit Systems. As it stands, I am of the belief that you are violating the FDCPA by furnishing inaccurate information to the Credit Reporting Agencies. It is my understanding that XXXX is a giant cable company, if I did in fact entered into a contractual relationship with them, which I have no recollection of ever doing, XXXX and/or its affiliate Southwest Credit Systems should be able to furnish me with a signed agreement be it electronically or in paper form. Southwest sent me, what appears to be, bill statements. This means absolutely nothing to me and I implore Southwest to delete all negative account information it is currently reporting on my credit reports. Please provide me with XXXX means of validation. I have no obligation whatsoever to contact XXXX and/or Southwest, they out to ensure that the information they are furnishing the Credit Reporting Agencies are accurate, verifiable and complete. Sadly, this is not the case here. It is to be noted that I have been a victim identity theft. The Federal Trade Commission and the US Department of Personnel Management are fully aware of this fact. The evidence submitted is not debt validation but merely account statements alleging a debt without the fundamental proof of contractual relations. Needless to say, I am a litigious person, and if this matter is not dealt with favorably and expeditiously, I will have no option but to initiate legal action to enforce compliance of the FDCA. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. SCW has NOT yet validated this debt and as such it should NOT be reporting on my credit report. In light of the foregoing, SCW is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by SCW. Additionally, it is hereby requested that CFPB administratively order SCW to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. All rights reserved to seek compensation for all violations already committed to by SCW through the appropriate legal channels.I trust that this step will amicably resolved this matter ; thus averting the need for litigation.
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| 06/21/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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My first issue is with South West Credit Systems claiming that I owe an amount of {$88.00} for XXXX. My family and I moved out of the country XX/XX/XXXX and closed this XXXX account XX/XX/XXXX after paying a final bill of {$100.00}. Since the entire bill was paid, XXXX sent an activation code, upon our request, to have our XXXX unlocked on XX/XX/XXXX. They received an updated address from us as well at that time. We never received any final fee 's due nor did we have an open account with them after XX/XX/XXXX. I went into XXXX physically to understand what the final chargers of {$88.00} could possibly be and they were unable to provide me with any information besides showing me the bill of {$70.00} for the months of XX/XX/XXXX - XX/XX/XXXX. When I called the collections agency in regards to this amount, they were also unable to explain the details in regards to this collections. XXXX is the only credit bureau that has not removed this inaccurate collections from my credit report and refuses to do any further investigation beyond taking the word of a debt collector that can't even explain why an amount was collected. I have gone back and fourth between XXXX customer service and South West Credit Systems on who I have to speak too, to have this inaccurate collections removed. I have mailed in hard copies of the final bill I paid, the XXXX unlock code email, and the bill they allegedly state that I owe after the date I closed the account, to South West Credit Systems.
My second issue is with XXXX on a collections in the amount of {$58.00} that was sent to collections by XXXX Apartment complex from XXXX, AZ. XXXX apartment never sent us the outstanding balance after we moved out XX/XX/XXXX. I did however reach out to XXXX XXXX to verify if we owed any remaining balance and how they would be able to take payment since we were already overseas. They were even contacted by our next rental property on XX/XX/XXXX in XXXX to verify what our new landlords requested and I still did not receive any type of information in regards to any fees due. When I try and dispute this through XXXX, they put me through the same process of calling the debt collectors to have this removed. When I called XXXX XXXX XXXX, they stated they have no records of a collections from XXXX apartment. This amount has also been removed through XXXX and XXXX as well. XXXX doesn't seem to change their minds regardless of having documentation to back your case up.
I am not sure where to turn to at this point because I will not pay for an amount I know I do not owe. It's unfair for me to have to play a back and fourth game when the original senders of a debt no longer keep records of anything after it's sent to a debt collector, nor is it fair that they are not communicating these amounts properly before sending them off to collections. I also do find it unsettling that a debt collector and agency that submitted the debt can not explain the reasoning behind an amount allegedly owed. What tops it all off is when you are trying to dispute this over the phone, you're responded with prompted statements, making it clear that you're not even being listened too. I have always done my best to keep up with everything I owe and learning along the way since I am only XXXX years old. It seems as though credit is just a game to the ones who possess the power behind it while we as the consumers run this rat race.
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| 05/18/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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Below is what you submitted on Friday, XX/XX/XXXX at XXXXXXXXnext : XXXX : XXXX XXXXstreetaddress : XXXX XXXX XXXX : XXXXState : TNXXXXXXXXZIP : XXXXCounty : XXXXHome_Telephone : XXXX ( non working ) XXXXWork_Telephone : XXXXemail : XXXXXXXXXXXXContact_time : XXXX to XXXXcomplaint_company : XXXX XXXXcontacted_util : yesNOW ( as of XX/XX/XXXX ) I HAVE DAMAGED CREDIT AFTER THIS UNRESOLVED XXXX REPAIR ISSUE , HAD XXXX OF HARRASSING COLLECTION CALLS, the last of which I was told that they would enter into the system that I would not pay due to repair issues, but my credit report shows refusal to pay- see belowXXXX_complaint_descript : XXXX XX/XX/XXXX I have had a problem with XXXX going back to mid-XX/XX/XXXX when I had to have XXXX technicians make service calls regarding phone and internet service to never have an issue completely resolved, costing me at least XXXX hours of my time. Since that time my internet service has been reliable, but my phone service has not, with at least XXXX service interruptions per month since then. I quit calling to notify them of the problem several months back because it did not seem to solve the problem. I moved to a new residence XXXX weeks ago, at which time I requested a transfer of service from my old residence and a credit for the interruptions in service which resulted in further wasted time ( about XXXX minutes ) on the phone. I was informed at that time that they could ( would ) not transfer service unless my bill was paid, BUT THEY WOULD NOT CREDIT MY ACCOUNT FOR SERVICE INTERRUPTIONS. Today I got the following email from XXXX XXXX XXXX ( which I appreciate ) : Billing Account Number : XXXX Thank you for being a valued XXXX XXXX XXXX customer. To ensure that you are enjoying your XXXX XXXX XXXX XXXX ( XXXX ) High Speed Internet to the fullest, we 've set up a special service center in Florida to assist you with questions or technical concerns. If we can help you in any way, for one-on-one support simply call us at XXXX between XXXX and XXXX Eastern Standard Time, Monday-Saturday. We 're happy to work with you to make you a completely satisfied customer. Again, thank you for choosing XXXX XXXX XXXX. We hope special services like this are an indication of how much we appreciate your business. Sincerely, XXXX XXXX XXXX Customer Service I called the number ( and recorded the phone conversation ) to inform them of the problem. They transferred me to billing. The billing department finally credited my account for XXXX service interruptions and then informed me that I NOW ALSO HAVE TO PAY $ XXXX FOR MONTHLY SERVICE SINCE MOVING TO MY NEW RESIDENCE ON XXXX XXXX, AND I HAVE NOT HAD SERVICE INSTALLED YET. I called back the number in the special service center in Florida to assist me. They tell me that the billing department and collections department are the only XXXX departments I can call to get this matter resolved. I have the recorded phone conversations in which I informed them that I would have to charge {$1.00} per minute for my time on the phone, which they ( as I expected ) did not agree to. I just spent XXXX more minutes typing this complaint. I wish to transfer my old phone number to a different company for XXXX phone service, but this is impossibly difficult. I have work to do and do not have time to waste with XXXX ridiculous billing department and customer service. Please help me. Thank you. XXXX XXXX
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| 12/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent a dispute letter on XXXX/XXXX/2021 to XXXX, XXXX, Southwest Credit about Acct # XXXX XXXX. I stated that I did not give XXXX, XXXX, Southwest Credit any written consent to report the above account on my consumer report. Under 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. Southwest Credit sent me a letter today XXXX/XXXX/2021 stating that " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). '' There are 5 requirements that a debt collector has to send the consumer according to 15 USC 1692g Validation of Debt. ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I have NOT received any of these requirements. That is why I demanded XXXX, XXXX, Southwest Credit to delete the above account from my consumer report.
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| 03/19/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX the Mortgage Loan Officer with whom I had been working since mid-XXXX XXXX sent called me to question the nature of some collection activity associated with my account. The {$1500.00} debt to XXXX did not at first seem familiar to me at all ; this was the first time I was alerted to this matter. I explained to the Loan Officer on the telephone, and later that day in writing the matter was, related to a mobile telephone and line of service I allowed a friend to open up as an adjunct to my own account. This individual fell behind in the payments on the phone/account. The debt was from XXXX, and the friend was eventually XXXX. That explanation was satisfactory to the loan underwriters.
Unbeknownst to me, Southwest Credit Systems , LP, a debt collector, had sent a letter addressed to me to my friend 's home in Michigan demanding payment of the above debt. I do not live in Michigan, nor have I ever lived in Michigan. My friend who lives in Michigan is now a XXXX XXXX XXXX, and I work for her. I do not, nor have I ever received mail this or any other address in Michigan. This letter lay in a stack of mail, unopened, until XX/XX/XXXX.
On XX/XX/XXXX, the day before my home loan was scheduled to close on XX/XX/XXXX, the loan officer called me again, explaining my credit score had now dropped a large amount due to the XXXX debt mentioned above. The loan officer and I together phoned Southwest Credit Systesm, LP using information the loan officer had pulled from my credit file. We spoke to a customer service agent who was unable to answer our questions as to why the letter explaining the charges had been mailed to my friend and employer 's home. We were placed on hold in order to be transferred to a supervisor and the call was eventually dropped.
On XX/XX/XXXX, the following day ( when my home loan was to have closed ) we called Southwest Credit systems again. This time we spoke with a supervisor. He informed us that the company had mailed the letter requesting payment of the {$1500.00} XXXX debt to the Michigan address of my friend on XX/XX/XXXX, and had recorded a collection against my account for the same amount FIVE ( 5 ) DAYS LATER on XX/XX/XXXX. Our request was that the company remove the collection record from my credit file while we discuss and try to reach an agreement on the question of the old debt. As I mentioned above, I had only recent become aware the debt still existed... and only the day before my home loan was to have closed did I learn the matter was being actively pursued in collections and had effected my credit score.
To summarize : Southwest Credit System, LP sent a letter demanding payment for a very old debt to XXXX. The letter was addressed to me but sent to an address in Michigan of a friend of mine, an address where I have never lived nor received mail. Only 5 days passed between the date this letter was dated ( XX/XX/XXXX ) and the day Southwest Credit says they reported this collection. As such I was and have so far been unable to investigate the details of the debt in question nor dispute them. Meanwhile, my home loan which was to have closed last week has been held in limbo while I try to get to the bottom of this collection matter which popped up suddenly and mysteriously and at a moment when it may have done irreparable damage to my life.
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| 11/21/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this file.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
|
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This complaint is a electronic notice to the CFPB to inform them of the actions by SOUTHWEST CREDIT SYTEM who is a debt collector pursuant to ( 15 USC 1692a ( 6 ) ) who has failed to comply with 15 USC 1692 and 15 USC 1681 is now civilly liable under 15 USC 1692k and 15 USC 1681n. pursuant to 12 CFR 1006.6 ( d ) ( 1 ). SOUTHWEST CREDIT SYTEM must not communicate, in connection with the collection of any debt, with any person other than, myself the consumer, the creditor of said account and their lawyer and the debt collector 's lawyer. SOUTHWEST CREDIT SYSTEM failed to comply with the requirements under this regulation and is in violation by communicating with the third-party credit reporting agencies not permitted by law and without consent in connection with their attempt to collect an alleged debt. A collection account was furnished to my consumer report on XX/XX/2022, SOUTHWEST CREDIT SYSTEM in violation of 15 U.S. Code 1692j ( a ) by designing, compiling and furnishing a collection account to my consumer report that is being used to create false belief in I the consumer and that a person other than the creditor is participating in the collection of an attempt to collect a debt when in fact the creditor is not participating. SOUTHWEST CREDIT SYSTEM is in violation 15 U.S. Code 1692f ( 1 ) by using unfair and unconscionable means prohibited under this subchapter to attempt to collect an alleged debt that was not authorized by an agreement creating the alleged debt or permitted by law. I am aware that there was never an agreement made between myself and SOUTHWEST CREDIT SYTEM that authorized the creation of the alleged debt. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692d ( 1 ) by using violence and criminal means to harm my consumer reputation. They used means prohibited by this subchapter to communicate their attempt to collect an alleged debt to the third-party credit reporting agencies resulting in the furnishing of a collection account to my consumer report. I am aware that the furnishing of this negative account to my consumer report dropped my score and has harmed my reputation it is now harder for me to obtain credit because my credit worthiness and reputation is now harmed and this has caused me financial hardship due to the difficulty obtaining new credit and this is directly affecting interstate commerce. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692c ( b ) by failing to comply with the provisions in this subchapter, SOUTHWEST CREDIT SYSTEM communicated with third parties such as XXXX in connection to their attempt to collect an alleged debt and told them that I alleged owed a debt which is prohibited by law pursuant to 15 U.S. Code 1692c ( b ). SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1681q by willfully and knowingly obtaining my location information from a consumer reporting agency under false pretenses and is now liable to be fined under Title 18 of the United States Code, imprisoned for not more than more than 2 years or both. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692e 2 ( a ) by using false, deceptive, misleading representation and means prohibited under this subchapter in connection with the collection of an alleged debt.
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| 12/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been attempting to get XXXX, the last of the three major credit agencies, to correct an erroneous collection account on my credit report since XX/XX/XXXX. There have been a series of obstacles unique to XXXX, for the other two agencies removed the information promptly and efficiently.
In XXXX I was charged erroneously by XXXX. I had canceled my account, and they charged me for a month after I had already canceled. I used my XXXX XXXX dispute process to dispute the charge. XXXX XXXX promptly agreed with me in XX/XX/XXXX and refunded my money. I figured the matter was closed. Unfortunately, I received a collection notice from Southwest Credit Systems in the summer of XXXX and then realized my credit report was being penalized with an erroneous collection. In early XXXX I resolved the error with XXXX and XXXX, without issue. However, XXXX has refused to yield to facts and has been incredibly difficult to communicate with.
My first dispute with XXXX, launched on XX/XX/XXXX, as not resolved in my favor. Frustratingly, XXXX 's website was not reliably uploading disputes. This lasted for most of XXXX. I called XXXX several times and sent in packets by mail twice ( XXXX and XXXX ). All submissions by post were ignored. Finally, I was able to get a second dispute launched on XX/XX/XXXX. I sent them further information, including evidence from XXXX XXXX, that should clear me of the collection. I used XXXX XXXX ' bill dispute resolution process back in XXXX to clear this up. Yet, rather than working within the XXXX XXXX dispute process, the vendor decided to send the amount to collections in error. I have sent XXXX the XXXX XXXX dispute resolution notice and commentary around the chain of events, but they merely respond that Southwest Credit Systems is able to verify the balance.
XXXX is providing no logical explanation to why this collection is on my report. I have provided enough evidence to prove that this collection should never have been placed on my report, that the ultimate vendor, XXXX, billed me incorrectly, and that XXXX XXXX cleared that up promptly in XXXX. My attempts to work with XXXX have been incredibly frustrating. Numerous phone calls in XXXX were made to XXXX, and they could not yield any fruit to why this happened. In XX/XX/XXXX, I went to a XXXX customer center and talked to Sr Retail Consultant at XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX was quite helpful in confirming that the charge on my account was out of the ordinary and that the notes on the account show a series of conflicting messages over the course of the past four years. Unfortunately, he was not in a position to make a resolution. He warned me that given the amount of time, it might be that no one is in a position to resolve the situation adequately. XXXX XXXX assured me that a manager would be in touch with me to discuss next steps and suggested I talk with XXXX corporate like I had done in XXXX. To this date, no one at XXXX XXXX has called my phone to discuss this matter. When I asked XXXX XXXX was unable to show me any effort to make me aware that I was owed this money in the form of an invoice in XXXX. I do not know if this is a result of XXXX negligence in XXXX or limitations on his billing system in XXXX.
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| 06/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX has sent my account to collections multiple times after charging me for service after I terminated my service. I contacted them multiple times to correct the bill, and finally stopped receiving statements. In XX/XX/XXXX, a collection agency sent me a letter stating I had a debt. I contacted them, explained the situation and disputed. The account disappeared again until XX/XX/XXXX where it reappeared with another collection agency. I contacted them, explained the situation and disputed. Recently the account has shown back up with Southwest Credit. I contacted SWC on XX/XX/XXXX and spoke with XXXX at XXXX, I explained the situation and stated I disputed the debt. On XX/XX/XXXX, the account showed up on my credit report- taking a substantial impact to my credit score. I presently have XXXX debt and all credit cards paid off. I contacted XXXX on XX/XX/XXXX at XXXX and spoke with XXXX . I explained the situation and was told a supervisor would review and contact me, I requested supporting documentation be sent to me as well. I was never contacted. I filed disputes with all XXXX credit reporting agencies. I received notification that the XXXX dispute came back as " valid debt ''. I still did not hear back from SWC nor XXXX regarding this matter. I called SWC again on XX/XX/XXXX at XXXX and spoke with XXXX again, I explained the situation, was placed on hold and them disconnected. I called back again at XXXX and spoke with XXXX ( spelling? ), i again explained the situation and requested a supervisor. I was told she would speak to the supervisor. I declined stating that is what i was told on XX/XX/XXXX and never heard back while in the meantime, this account is on my credit for another month. I was finally able to speak with a supervisor and recorded the call for my protection, by the name of XXXX, who stated this could be sent back to XXXX for review. I asked about the timeline and I was told she could not give me one ... all while this is still sitting on my credit. She again stated I would need to send supporting documents, I requested that they send me supporting documents and proof of debt as I had yet to receive anything and in accordance with consumer protection laws, the creditor must provide proof of debt. I was told this would be sent back to XXXX to request review. In the meantime I asked about just paying it to get it off my credit, and I would deal with recovering the money from XXXX in small claims court as I had already filed a mediation request with the XXXX County Court to which XXXX never responded. I was told that even paying it would not remove it from my credit as they do not do a " pay to delete ''. As this is close to going into another month and I am unable to get a clear answer as to how long this would take before falling into another month of impacting my credit, I reluctantly decided to pay this debt, because I felt i was forced to do so to avoid further credit damage while I wait for answers from these two companies that have been dragging this on for multiple months. This is now going to be taken to small claims court for resolution as I feel i was left with no other choice because these companies are using delay tactics and damaging my credit.
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| 11/01/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX and XX/XX/XXXX, I called XXXX XXXX which is the original reporter of {$260.00} in collections on XX/XX/XXXX and updated by Southwest Credit Systems to {$420.00} on XX/XX/XXXX. In speaking with XXXX XXXX, XXXX 's representative, I provided all of my identifying information i.e. name, addresses, phone, zip codes of past residents. She could not find any record of me having a debt or history service with those identifiers. She stated along the lines that " ... XXXX XXXX is such a common name. '' I asked about paying the collection on my credit reports, explaining the amount of the collections and she said, '' I'm with the billing department and I'm telling you we do not have you in our system. '' When I asked how I could get the collection charges off my credit reports, she explained again having no record of me in their system based on the zip codes, addresses where the services would have been provided. She stated, '' You can file a dispute. '' I decided to call XXXX XXXX again on XX/XX/XXXX, and spoke with XXXX, who confirmed the same things. I asked her about Southwest Credit Systems and she stated she does not know about them but heard of them. I asked if Southwest Credit provides cable services through XXXX XXXX and she said " No ''. I have never initiated any form of credit services with Southwest Credit Systems, have never had cable or communications services, accounts, or agreed to services with that company.
I called Southwest Credit Systems ( SWC Group ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, to verify the information they had to post collections on all of my credit reports. They informed me of the account was sold to them by XXXX XXXX XXXX The account sold by their collections to SWC Group was # XXXX at residence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and was placed in collection XX/XX/XXXX. I made the agent aware our family did live in the apartment development in a different apartment unit and had active service with XXXX up until moving on XX/XX/XXXX. She expressed I needed to call XXXX XXXX 's fraud line to make a report which I will do. I asked her to remove this false collection report from my credit reports. It should be policy that no company or agency that buys third and fourth party debts be allowed to tarnish a consumer 's credit report without concrete verifications prior to soiling on the person 's credit report. They could have looked at my address history and seen I never stayed at XXXX XXXX. Seeing a similar address or matching phone gives debt collectors a wall to throw something against to make an issue often to the economic hurt of consumers. Employers, leasers, and lenders all judge people by our credit reports, which is not good either. False and inaccurate reporting can be devastating. This costs consumers in so many ways that is should not be easy to post negative data unless the companies report a legal first party contract history with the consumer. We were paying XXXX on time for years, we pay cell phones on time for years, utilities etc., yet nothing goes toward building positive credit history. I need for XXXX XXXX and Southwest Credit Systems to remove their errant collection accounts from my credit reports.
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| 12/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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hi my name is XXXX XXXX i was contacted by southwest credit system account # XXXX XXXX XXXX XXXX XXXX XXXX, texas XXXX in XXXX XXXX regarding a past due balance of XXXX from XXXX they give an address for XXXX XXXX XXXX XXXX and an address somewhere in massachusetts which i never lived at nor associated with i explained to them ive been a victim of identity theft for the past 5 years, my bank account had even been hacked where someone would order my bank card to an address in XXXX which is XXXX XXXX XXXX XXXX which i never was associated with they informed if i had any proof that my identity was stolen i said no other then the complaint i had to file with my bank. she told me XXXX would mail me a paper that i had to file and send it back to XXXX with some type of proof i am who i say i am which i did, when i contacted them again and they told me this time i had to email them all my documents to an email for them to view it which i did when i called they told me theres nothing they can do, i told them ill call XXXX, when i called XXXX i asked them how did they start a service on my name with no identification they told me because its not mandatory with them to get an ID i said well that wasnt me ive been with my husband for 6 years now and we have XXXX and its always been on his name we pay it on time consistently and we love fhe service but definitely wasnt me. this fraud has done so much impact to my life ive had to put a very high security on my bank account, credit file and now im in fhe process of buying a house and im forced to pay XXXX more on my loan because my credit score dropped and points was assessed causing me to put more money down, i mean XXXX $ more my loan originator XXXX XXXX XXXX XXXX NMLS # XXXX said this brought my credit down by 100 points which is below 620 nowC im just so stress over this fhe only debt i hsve is school loans and my credit cards which is in good balance other then that i have no problems paying my bills. ive gone to the police city of XXXX XXXX to make a report they told me they cant i would have to file with the companies i just finished XXXX school this month and im graduating next year XXXX and then going to do my bachelors program i cant because the school i want to go to is far and i cant finance a car with my nee credit score i cant believe that south west credit system and XXXX treat people like that they are unwilling to solve a problem, i told my husband XXXX XXXX as soon as were able to buy a house next year were canceling the XXXX service weve had for 6 years because their consumer practice is unfair. uncaring weve always paid our bills one who make sure the bills get paid and who would of thought ill be a victim of identify fraud even when i move i never change my address my address has always been XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX and my bill always and still under my husbands name. its sad how these companys want to profit off someone misery when its a very simple verifiable information they can just search to see but know they rather tell you pay it, paying it is like admitting to a guilt why would anyone admit to something they didnt do? then that would blackmail the scammer to keep doing it
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| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I've been a XXXX customer all my life and still am now. After living in a home for 2 years and having a 24 month contract with XXXX, I called them on 7 weeks before my move on XX/XX/2019 to schedule the close my account at end of XXXX. After finally speaking to a XXXX rep who honestly told me I was just out of my 24 month contract terms on XX/XX/2019. Since I was moving at end of XXXX, I agreed to go ala carte, no contract for the next few weeks. My billing cycle was thru the XX/XX/XXXX, so I paid in advance thru this date and that is the time the services were scheduled to be cancelled. Since out of contract is at a higher rate, I eliminated many channels to manage my bill. I immediately returned their equipment. I called XXXX many times to insure my account would be closed at end of XXXX and that I had a XXXX balance and each time the XXXX rep confirmed this information ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received many emails from them saying my account was closed, asking me to come back as a customer, offering me new deals ( I have the emails ). Two months later, XXXX sent me one bill with an early termination fee of {$130.00}. I had a credit balance of {$12.00}. I made several more calls to XXXX on XX/XX/XXXX and thought the situation was resolved. Another two months On XX/XX/XXXX, I received a call from a collection agency!!! The amount owed was {$100.00} so XXXX made some deductions. I put amount was put in dispute. I have superior credit, all my life. Immediately called XXXX, put the amount in dispute, spoke to XXXX, and he said that XXXX put me in a new contract without my consent. Agent agreed that I would not have entered a new contract for 2 weeks when I was moving. XXXX agent said he would speak to his supervisor and it would be resolved. Another 2 months, and today XX/XX/XXXX, I had a fraud alert from XXXX XXXX that my account was put into collection on my account at both XXXX XXXX and XXXX. I've never had an account in collection in my life!! XXXX again!! Im currently looking into a loan and this will have a major negative impact. Also, Southwest did not list these as a disputed amount on my credit bureau. In 6 months, I've had one bill from XXXX and one phone call from the Collection agency. This is damaging my credit ; how can they put this on my credit bureau when it is in dispute and XXXX keeps telling me this is resolved. Predatory practices, harassment, 14 plus hours of my time, it's like dealing with the mafia. And I'm still a XXXX Customer, but they are charging me for early termination. Please Help Me!!!! ( I'm attaching my bill from XXXX showing I was in a 24 month contract, I lived in the home 2 years and was moving at end of XX/XX/2019 ; several emails from XXXX that my account status changed after my XXXX call - decreased channels, my account was cancelled, XXXX made offers to keep me as a customer, that I returned my equipment ; bill from collection agency ; notification from XXXX that this bill is showing as delinquent on my credit bureau report. ) All these documents were sent by me to southwest credit and received by them on XX/XX/2019. Ask XXXX to send recording of when I agreed to be put in a new contract.
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| 11/24/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX Date : XX/XX/XXXX Re : Invoice # XXXX I received this invoice, which apparently has been submitted to collections. This invoice is not accurate, and I continue to dispute the invoice.
I cancelled this service shortly after my email dated XX/XX/XXXX ( attached ). As you can see in my email, I questioned why my data usage seemed to unusually fluctuate. When I called XXXX for an explanation, I was told that XXXX did not have a way to validate the usage levels. This sounds to me like XXXX has set up the perfect scam against consumers ... just bill whatever you want until the consumer complains.
Upon my cancellation, I turned the device off.
After that cancellation, you suddenly invoiced me again for XXXX usage in XXXX and XXXX XXXX see attached invoice ). The device has not been turned on since my cancellation in XX/XX/XXXX. I did not receive any invoices for XXXX - XX/XX/XXXX, and I have not received any invoices for XX/XX/XXXX to current date.
I infer from the XX/XX/XXXX invoice that XXXX may have migrated to a new billing system in XX/XX/XXXX, as this invoice is touted as my new bill. I suspect that when XXXX migrated to a new billing system, my cancelled account somehow was resurrected, and I was invoiced for services that were not provided. I wonder how may other consumers are experiencing the same issue, and if so, is there a possible cause for class action litigation?
Again, I called XXXX and disputed the invoice. I followed that with an email dated XX/XX/XXXX ( attached ). I hereby demand that XXXX : 1. Honor my cancellation from XX/XX/XXXX ; 2. Delete any balance owing from XXXX XXXX XX/XX/XXXX to XXXX ; 3. Rescind any referrals to any collection agencies ; 4. Remove any erroneous reporting to any credit reporting agency, by either XXXX or any collection agency, if any were made ; and 5. Formally respond in writing that all these actions have been taken.
I expect to receive a formal, written response within 30 days, or XX/XX/XXXX.
To this point, I have kept this dispute between XXXX and me. Failure on your part to respond to this demand will force me to avail myself of other dispute resolution options, including but not limited to complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, the Federal Communications Commission, the U.S. Attorney General, theXX/XX/XXXX, litigation, and any other agency I can.
I hope and expect that you will do the honorable thing.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX I have not received a direct response from XXXX. Instead, I received an e-mail collection correspondence from XXXX XXXX on XX/XX/XXXX. I spoke with a representative from XXXX XXXX, informed him that I was disputing the debt. He said he would refer the dispute to XXXX and I should expect further correspondence. I did not receive any further correspondence from XXXX or XXXX XXXX.
Yesterday XXXX XX/XX/XXXX XXXX, I received an e-mail from Southwest Credit Systems that looks exactly like the correspondence i received from from XXXX XXXX.
I continue to dispute this debt.
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| 03/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX Dispute to All the Credit Bureaus / CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I would like to report a problem I been having with the credit bureaus and the companies that claimed I owned them money.
These business who reports my informations to the credit bureaus I have not done any business with the following companies and I am asking for this to be deleted from my credit report immediately otherwise I'll seek legal actions against those companies as well as against the credit bureaus.
1. SW CRDT SYS/ XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX Account # 3. XXXX XXXX / XXXX XXXX XXXX ACCOUNT # XXXX 4. XXXX XXXX Account # XXXX 5. SOUTHWEST CREDIT SYSTEMS Account # XXXX XXXX XXXX / XXXX XXXX XXXX I was in a car accident in NY XXXX. My insurance company at the time XXXX paid all my medical bills including XXXX was done at XXXX XXXX. In the beginning XXXX sent a bill for XXXX dollars to XXXX which was exceeded the pay scales the insurance company supposed to pay. XXXX agreed for a XXXX dollars payment they went sold my informations to third party collections agency claiming I owned them when I do not. What XXXX XXXX did in the beginning they tried to defraud XXXX XXXX so they can make extra money since i had an out of state policy. I am sending this email seeking justice before I take this to the media, we need to investigate XXXX, XXXX & XXXX for refusing to do a full investigation about the debt. I filed a dispute regarding this issue with all 3 bureaus I sent them copies of the payments that XXXX made they ignored my request. Again, I am disputing these charges due to the facts my insurance company paid XXXX XXXX.
SW CRDT SYS/ XXXX XXXX XXXX They Claimed I owned XXXX dollars when I did not have internet service the year, they claimed I start service with XXXX. I started my internet service with XXXX when I started working for the company XX/XX/XXXX, until now I still have their service at my current location. I do not own any past balance to SW CRDT SYS or XXXX XXXX I am asking for this charge to be deleted to my credit files Immediately.
XXXX XXXX XXXX : I do not recognize this debt never done business with this company also never received a bill from that company. I am asking for this charge to be deleted to my credit files Immediately.
XXXX XXXX / XXXX XXXX XXXX : THIS DEBT WAS PAID BY MY INSURANCE COMPANY I PROVIDED ALL THE EVIDENCE TO THE CREDIT BUREAUS. I am asking for this charge to be deleted to my credit files Immediately.
XXXX XXXX : I do not recognize this debt never done business with this company also never received a bill from that company.
In conclusion asking to delete these debts from my credit file ASAP as we failed to provide proof of service. We have 30 days If we fail to do so we will hear from my attorney I look forward taking this to court.
Sincerely, XXXX XXXX
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| 05/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Before I proceed with hiring an attorney to investigate this case, I kindly request that you remove this item from my credit record with all credit bureaus. To clarify why I know I don't owe XXXX anything, I suggest you carefully read the following explanation. I may have reiterated certain points to ensure that the seriousness of this matter is fully understood.
For your information, I possess old bank statements that demonstrate my payments to XXXX, which will align with my XXXX account records. These statements serve as evidence that my account was up to date. If you claim that XXXX provided you with information suggesting otherwise, I demand that you provide me with proof of their allegations. Failure to do so may result in legal action against you.
While I believe that Southwest or XXXX is responsible for this harassment, Southwest must present any correspondence they received from XXXX, including the notices they allegedly mailed to me ( along with the corresponding address ). Furthermore, I require a detailed explanation of the nature of this " collections '' account.
I have chosen not to email Southwest regarding this matter, as I have already disputed their claims multiple times in the past. I have endured three years of relentless harassment, and I want to emphasize that I do not owe them anything. If you persist in harassing me and negatively impacting my credit, I will have no choice but to involve my attorney and pursue legal action against you.
I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item XXXX XXXX XXXX disputed by XXXX ( XXXX ), for {$250.00} opened XX/XX/, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit.
Reported By : Southwest Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me.
" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXXXXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. '' Thank you.
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Southwest Credit Systems , LP sent me a notice telling me they were trying to collect a debt for XXXX in the amount of XXXX I personally called XXXX and gave them all the information that was provided to me from Southwest Credit Systems , LP I gave them the account number, amount of the alleged debt they said I owed and all of the dates, XXXX informed me they do not have an account number matching what I gave them, which I gave them the account number that Southwest Credit Systems LP provided me they also said they did not have anything in there system having assigned anything to this company for any such account, which the company said they were trying to collect the alleged debt for XXXX. Southwest Credit Systems LP is in direct violation of 15 USC 1692j ( a ) which states : it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX upon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not so true. You are in violation of 15 USC 6802 Obligations with respect to disclosures of personal information. Your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a this company have knowingly, transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly, to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the company will amount to communication as per Fair Debt Collection Practices ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. Any further contact by your agent or company except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be filed against you. I have attached the initial letter you sent to me for proof that you tried to indicate that XXXX was participating in the collection of this alleged debt.
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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In or about late XXXX, I closed my account with XXXX XXXX XXXX ( XXXX ) after I suspended my service ( I had XXXX and was not able to live on my own ). XXXX billed my XXXX XXXX credit card for approx {$140.00}, which I contested through XXXX as not owed. XXXX reversed the charge/instructed me not to pay the amount in dispute. Thereafter, my recollection is the dispute was settled in my favor. In early XX/XX/XXXX, I received a collection notice from Southwest Credit ( Reference No. XXXX ) dated XX/XX/XXXX, seeking to collect {$170.00} allegedly owed for final billing to XXXX XXXX XXXX ( now XXXX ) from XXXX, with a {$25.00} fee added for the " returned charge ''. The letter gave payment options, included an " offered amount '' to accept {$100.00} as payment, and said I had 30 days from receiving the notice to dispute the amount with Southwest " or they would assume the amount was valid ''. I contacted Southwest Credit immediately and have spoken to them on several subsequent occasions, each time reiterating that I was disputing the debt. Their response each time has been to recite my payment alternatives, tell me to submit any supporting documentation to a PO Box ( Given the passage of time, I have no records relating to this dispute. ) and refer me back to XXXX since Southwest purportedly has no records. When I contacted XXXX, they told me that all the records were sent to Southwest Credit ( so I was getting a runaround ) and was told by a supervisor that " nobody here is going to help you ''. I subsequently spoke to someone in XXXX Customer Service and put the matter in dispute approximately two weeks ago ; I have not heard anything back. Today ( XX/XX/XXXX ) I contacted XXXX and was advised there was no record of my prior dispute. They confirmed that they entered a dispute today, Ticket XXXX, requesting action to get Southwest to remove negative credit report, remove amount for " charge back '' and either cancel collection or reduce settlement amount. I also contacted XXXX, but XXXX changed its credit card carrier to XXXX Visa in XXXX and no longer had any records, and XXXX Visa said they had no records extending back that far. Today, XXXX XXXX, which monitors my credit, notified me I had a negative report. Upon review, I see that Southwest Credit has reported that I am in collections on my credit report. Southwest Credit 's response is that once they have had the account for 30 days, they are obligated to file a negative credit report, and that since they received the account from XXXX on XX/XX/XXXX, it has been 30 days ( regardless of not sending a letter to me until XX/XX/XXXX ). They also advise that once they file a negative report they can not remove it.
I feel like I am in a position where I have no options regarding the payment and now have a negative report on my credit. It is amazing to me that after all these years and without providing me with any records, they can take this kind of action.
I have now spent hours trying to address this issue with both Southwest Credit and XXXX to no avail.
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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I've been a XXXX customer all my life and still am now. After living in a home for 2 years and having a 24 month contract with XXXX, I called them on 7 weeks before my move on XX/XX/2019 to schedule the close my account at end of XXXX. After finally speaking to a XXXX rep who honestly told me I was just out of my 24 month contract terms on XX/XX/2019. Since I was moving at end of XXXX, I agreed to go ala carte, no contract for the next few weeks. My billing cycle was thru the XX/XX/XXXX, so I paid in advance thru this date and that is the time the services would be cancelled. Since out of contract is at a higher rate, I eliminated many channels to manage my bill. I immediately returned their equipment. I called XXXX many times to insure my account would be closed at end of XXXX and that I had a XXXX balance and each time the XXXX rep confirmed this information ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I received many emails from them saying my account was closed, asking me to come back as a customer, offering me new deals ( I have the emails ). Two months later, XXXX sent me one bill with an early termination fee of {$130.00}. I had a credit balance of {$12.00}. I made several more calls to XXXX on XX/XX/XXXX and thought the situation was resolved. Another two months On XX/XX/XXXX, I received a call from a collection agency!!! The amount owed was {$100.00} so XXXX made some deductions. I put amount was put in dispute. I have superior credit, all my life. Immediately called XXXX, put the amount in dispute, spoke to XXXX, and he said that XXXX put me in a new contract without my consent. Agent agreed that I would not enter a new contract for 2 weeks when I was moving. XXXX agent said he would speak to his supervisor and it would be resolved. Another 2 months, and today XX/XX/XXXX, I had a fraud alert from ID CARE that an account was put into collection on my account. I've never had an account in collection in my life!! XXXX again!! In 6 months, I've had one bill from XXXX and one phone call from the Collection agency. This is damaging my credit ; how can they put this on my credit bureau when it is in dispute and XXXX keeps telling me this is resolved. Predatory practices, harassment, 12 plus hours of my time, it's like dealing with the XXXX. And I'm still a XXXX Customer, but they are charging me for early termination. Please Help Me!!!! ( I'm attaching my bill from XXXX showing I was in a 24 month contract, I lived in the home 2 years and was moving at end of XX/XX/2019 ; several emails from XXXX that my account status changed after my XXXX call - decreased channels, my account was cancelled, XXXX made offers to keep me as a customer, that I returned my equipment ; bill from collection agency ; notification from ID that this bill is showing as delinquent on my credit bureau report. ) YOUR SYSTEM WOULD NOT ALLOW ME TO ATTACH ALL THE ABOVE DOCUMENTS, HOW ELSE CAN I GET THE PDF FILES TO YOU. YOU NEED TO SEE XXXX 'S EMAIL TO ME SAYING MY ACCOUNT WAS CLOSED
|
| 07/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On XX/XX/XXXX, I began the process of applying for a home mortgage and my mortgage broker pulled my credit. On my account, they found an unpaid bill from XXXX from XX/XX/XXXX that was now in the hands of Southwest Credit Systems. In XXXX of XX/XX/XXXX( final bill attached ), I closed my personal XXXX account and joined a family plan, meaning that this bill, for just me, inXX/XX/XXXX did not make any sense as I was no longer a sole customer and the current plan I had was under another name in my group. I tried to submit a dispute via phone to XXXX three times. Each time I would spend 10 minutes waiting to get through to a person and the second I would get through, the call was dropped. This was extremely frustrating as I could not speak to a real person to ask questions. I submitted a dispute to XXXX for this unpaid bill, claiming that I had never seen this bill. I also submitted my final bill to XXXX in XX/XX/XXXX which I had paid in full. I also want to note that I had actually NEVER seen this bill. I had never received anything in the mail about it, never an email, no communication whatsoever. I never delete my emails for this exact reason. The address that Southwest Credit Systems had on file for me was my home 6+ years ago and I no longer live there, let along that city.
On XX/XX/XXXX, my XXXX dispute had " closed. '' For 1 week, their website did not work and I could not actually read the file about my dispute. A week later, I was able to get onto their website and I was told that they found that the bill in fact was attached to my name and was not fraud. I was upset, and decided to call Southwest Credit Systems and pay it. Because it was {$33.00} dollars and I had the means to do so. This was on XX/XX/XXXX.
My mortgage broker then advised me to call Southwest Credit Systems back and ask for them to delete it off of my credit score as this is something they sometimes do for people who are trying to buy a house. I called Southwest credit Systems the next day ( XX/XX/XXXX ) and spoke to a " manager. '' After asking them to remove this from my credit she told me that there was nothing I could do because I had already paid it. She also disclosed to me that the file has still be in dispute status and I could have possibly had it removed if I had waited. XXXX told me it was closed. I had absolutely no idea that it was still under dispute when I had called to pay it. The customer representative did not disclose that information to me and just took my money. The manager told me that I would have had to " ask '' about it but why would I ask if I did not know that was even an option? Regardless, there was no help whatsoever to educate me on the process when I called to pay it and there was no information about the companies still in the dispute process.
I then also on XX/XX/XXXX, called XXXX to see if they could help me at all. The customer service rep told me they could not do anything and that it was in Southwest Credit Systems hands at this point.
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| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a phone call on XXXX from an unknown Massachusetts phone number. I placed a call back at XXXX and a woman answered the phone laughing with one of her co workers. I was alarmed immediately at the lack of customer service. She informed me of an account for XXXX cable in her office. I began to ask some simple clarifying questions in regards to the account. She tells me she can not tell me the date the file was placed with her and that this would be reported to the national credit bureaus. She then proceeded to tell me that I NEED to pay my bill. I felt very abused and felt as though she was trying to force me into paying. This felt very abusive and unfair. This seemed to be a means of deception to force me to pay my bill. I then placed a call back at XXXX to speak with a supervisor to file a complaint and inform her I felt the last agent was in violation. I informed her of the agent laughing and the supervisor places me on hold and comes back and tells me she listened to the call and thought the agent was coughing, this was a blatant lie as the agent was clearly laughing with her coworker with her phone not muted. I asked the supervisor how they handle files when agents violate the fdcpa and her response was that they look into it but the files still remain open and active. I continued to ask about the account and what would happen. I asked her why a company from Texas is calling from a Massachusetts phone number and she says they call with phone numbers based on the state I live in. She knew I lived in Maine which was another lie by the supervisor. I felt as though she did not care at all about my phone call and my complaint in regards to the previous agents violation. I asked to speak with someone above her in the company. She proceeds to transfer me to a voicemail box of the executive relations office. I left a voicemail and was told I would receive a call in 1 to 3 business days. As of today I still have not heard back from that department. So I placed another call today XX/XX/XXXX and spoke with an agent. And once again was shocked at what I was told. The agent told me that this would be reported to the credit bureaus by end of week and that this would LOWER my credit report and that if I disputed the account it would look NEGATIVE on my credit report. I asked the agent when the file was placed with them and she told me on XX/XX/XXXX and that they sent one letter and it was returned as they had an old address. I then asked how many times they had called. She said only the call on XXXX. She then proceeds to tell me they are calling my cell phone on an auto dialing system. So this agency has made no efforts to contact me and has violated the FDCPA in a few ways. They are misleading. Abusive. And seem not to care about regulations or treating consumers professionally and abiding by the FDCPA. I want this file closed with this agency immediately and returned to the original creditor.
|
| 04/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/18 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX Re : Acct #XXXX
To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ This is a formal notice that your erroneous claim ( s ) is/are now disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature?
Please also be aware that any negative mark found on my credit reports including ( XXXX, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My Contact Info is as follows : Your Name ( printed never sign ) Your current address SSN P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
|
| 10/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I am a XXXX subscriber for both cell phones and FiOS, and have been for some years. XX/XX/XXXX, I planned to initiate XXXX XXXX XXXX in XXXX only to receive military orders to XXXX in XXXX. I explained that I had received military orders and that I had to cancel my planned XXXX XXXX installation through XXXX Customer Service, which properly processed the cancelation according to federal law, specifically the Soldiers and Sailors Relief Act of XX/XX/XXXX as amended. I was assured that the cancellation was successful and that I owed nothing. In fact, I never received any XXXX equipment, nor did I ever initiate service, nor did I ever have an installation performed, nor did I ever lease the apartment I had anticipated having XXXX XXXX because of the military orders I received. All was well. Upon arriving in XXXX, I contacted XXXX XXXX to contract for service, schedule installation, and open an account. That installation and contract proceeded very well and I had no complaints or issues. However, by XX/XX/XXXX, XXXX began billing me for the amount of {$1200.00} falsely alleging that I had not canceled service and falsely claiming I had received equipment that I did not in fact ever receive. I spent many hours on the phone with XXXX, especially after XXXX improperly reported me to the credit bureaus as having been delinquent in my payments. In fact, I had a XXXX account, and my payments were current, and the account in XXXX had never been opened and was canceled properly under XXXX and federal law. I even sent a copy of my orders to XXXX, which apologized profusely XX/XX/XXXX and removed the account from my credit report and ceased improperly billing me. I have had no issues for nearly a year. In XX/XX/XXXX, I received orders to return to XXXX, and I transfered my XXXX XXXX account and all my XXXX equipment with me. I am a current XXXX customer in good standing. This bill that I am being presented by Southwest Credit is in error, and XXXX knows very well that I do not owe and that this account was never opened. If XXXX sold this account to Southwest Credit, XXXX did so in violation of its own policies, in violation of XXXX law, in violation of the Fair Credit Practices Act, and in violation of the Soldiers and Sailors Relief Act. This is an illegitimate bill and Southwest Credit is engaged in debt collection fraud in attempting to collect on an amount I do not owe. This is outrageous and Southwest Credit continues to call me despite being told to desist and that I do not owe anything. I want Southwest Credit to desist from attempting to collect this fraudulent debt, and I want Southwest Credit prevented from attempting to extort me by reporting this illegitimate debt to credit bureaus. XXXX has a terrible reputation for engaging in such business practices, as does Southwest Credit, and I want both companies to be admonished and to cease attempting to collect this illegitimate debt.
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| 08/29/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/2020 I received an alert from XXXX and XXXX that a derogatory remark was added to my credit report along with a new collections account. I had no idea where this was coming from. I called the number associated with the collection company. South West Credit Systems LP. They informed me that this is a debt from XXXX XXXX. Which is also referred to as XXXX and XXXX XXXX. I explained that this information was incorrect. I had already paid this debt and my account was closed. I was referred to a supervisor. I sent him an email explaining the circumstances and I included a letter which stated that this account was removed from my credit report. I also asked for their Consumer Affairs License number as I will send over a formal complaint to the Department Of Consumer Affairs. South West Credit Systems LP, is in violation of the Fair Debt Collection Practices Act. South West Credit Systems has not provided me with the following information at initial contact or within five days. A list of the collection activities prohibited by the federal Fair Debt Collection Practices Act ( FDCPA ). Or the types of income that is protected from collections. Nor have they provided me with information about the identity of the original creditor and an itemized accounting of the debt.The amount of the debt when the original creditor sent it to collections, the amount of interest accrued since the debt was sent to collections ; the amount of other fees and charges ; or payments made since the debt was sent to collection. South West has reported on my credit report and in a letter dated XX/XX/2020 ; that they have had my account in their office since XX/XX/2020. However, I never received any of the above mentioned discloures or rights I'm entitled to by federal law until XX/XX/2020. My complaint that was written to the supervisor, stating I would make a formal complaint with The Department of Consumer Affair, is when I received bills and disclosures in the mail dated XX/XX/2020 not at initial contact or within five days. I will hold all parties accountable. South West Credit Systems LP and XXXX XXXX regarding my civil rights, The Fair Credit Reporting Act and The Fair Debt Collection Practices Act. My civil rights were violated and so was the federal law. South West Credit Systems and XXXX XXXX are prohibiting me from moving into a new home with my family during unprecedented times. During a pandemic. Which Covid -19 has affected me personally. I made an agreement with XXXX. My account was PAID and CLOSED with XXXX Collection Agency on XX/XX/XXXX, XXXXThis account was also removed from my credit report by XXXX. If this matter isn't corrected I will pursue legal action. South West Credit Systems LP said they had my account since XX/XX/2020 however XXXX was the agency who negotiated, agreed and collected on my account. Please remove this account from my credit report immediately. Best Regards,
|
| 04/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices.
I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.
|
| 09/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
|
While applying for an automotive refinance, the bank notified me of a collection that just popped up. I immediately called the collection agency to ask what this debt was. They told me that they had notified me in writing on XX/XX/XXXX. I have the USPS scan and provide me with images of my daily mail prior to delivery so this can be clearly disputed. On or about XX/XX/XXXX, I spoke with XXXX, the person who answered my call at XXXX XXXX out of XXXX, TX, that the only strange call I received that might have been some attempt was an UNKNOWN number calling me. The caller immediately asked if was the person they were looking for and I said, " yes '' and asked who they were. They told me that unless I verified my identity by providing my address and social security number that they could not even tell me who they were. With " phishing '' and identity theft being a nightmare, I refused and asked who this person was, eventually the call ended. XXXX said that could not be them because that was illegal. Upon looking at reviews on the XXXX website, there is a CLEAR pattern that this is their tactic. Many many reviews suggest that the same " tactic '' was used. Additionally, XXXX stated on the recorded line that he was not sure how or why XXXX was pushing this after all of these years. He suggested not paying it because I could dispute it with all 3 depositories and it would be removed based on the age alone. XXXX removed it within a matter of hours.
After talking to XXXX, I messaged XXXX ( the company owed the collection ) on XXXX. They quickly verified everything and apologized to me, crediting my account to a {$0.00} balance with rep sending me a message saying " Considering I can date your account history all the way back to XXXX, I would like to just credit this balance for you. You were a great customer here for years and taking care of this amount is one little thing I can do to show we appreciate your time here. '' Had Southwest Collections identified themselves, notified me in writing, or actually made an attempt to let me know about this, I would have immediately called XXXX and likely gotten the same resolve without having it impact my credit. I had a XXXX credit score with nothing derogatory on my profile. I had over {$20000.00} in my account and would have offered to pay the piddly {$110.00} instead of getting declined for a car loan that forced me into accepting a much higher rate at a different bank that will cost me {$4500.00} over the life of the loan. As a result of my loan denial, this has become " Actual Damages '' and something I can not recover from without legal intervention.
As I stated, if you look into complaints about this company, you will notice a big pattern of this. Both their phone records and mine should verify this. Their recordings should validate everything I have stated in this, as well as my messages and emails from XXXX/XXXX.
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SW CRDT SYS account with a balance of {$500.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. .If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely.
To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
|
| 03/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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There is a collection account appearing on my XXXX credit report that the reporting agency ( Southwest Credit Systems ) has acknowledged to me is fraudulent and should not be associated with me.
An earlier problem that I encountered in my attempt to resolve this issue was previously submitted to CFPB under Case Number XXXX. At that time, I was having problems getting XXXX to provide " a description of the procedure used to determine the accuracy and completeness of the information. '' As a result of that previous case number, I did receive that information.
I then contacted Southwest Credit Systems, the company that was reporting this collection account to XXXX, to find out why they had this erroneous information on file. A summary of the interactions I had with Southwest can be found in the attached SWC Group Dispute Letter.docx file. Note that it was established in my first call to Southwest that this was a fraudulent charge and that I then spent the next few days fruitlessly trying to complete their process to finish resolving this issue. When it became clear that phone calls were not going to resolve anything with them, I sent the referenced letter. I did receive one callback ( finally ) from Southwest on XXXX XXXX ; I was not home at the time, but returned the call at XXXX XXXX. ( ET ) that day, once again leaving a message with all of my contact numbers and imploring them to please call be back. As of today, XXXX XXXX, I have not had any further contact from them.
Because Southwest is behaving in a negligent manner by not resolving this issue, this erroneous information continues to appear on my XXXX credit report, as re-confirmed by XXXX as a result of the complaint I filed with CFPB as Case Number XXXX.
At this point, I feel like I have done everything I can to make this right with both Southwest and XXXX, but somehow it 's just not getting through, and would appreciate any assistance that CFPB could provide to get Southwest to close out this issue and alert XXXX that this should not be on my credit report. The bottom line here is that Southwest knows that this is a fraudulent charge ( as detailed in the SWC Group Dispute Letter ) and despite my making every effort to work with them to get their information corrected ( also detailed in the SWC Group Dispute letter ) they are not getting this taken care of.
I know that this is a small matter in the grand scheme of things, but I take pride in the fact that I have a good clean credit report with no issues. The fact that there is an issue on it that does not belong to me and is n't getting corrected, despite my having spent far more time on this than I should have to, is extremely annoying given that I am the person who potentially suffers as a result, not whoever it was that made the mistake in the first place.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX, 2015 I received a XXXX page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of {$310.00} for an apparent XXXX XXXX XXXX cell phone bill. On XXXX XXXX, 2015 I spoke with a representative who went by the name of XXXX. I requested for XXXX to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On XXXX XXXX, 2015 I called back to Southwest Credit Systems. I spoke to a supervisor by the name of XXXX. She confirmed to me that the firm had indeed received my letter, however the account was still confirmed as mine. I explained to XXXX this call was an attempt to resolve the matter before the 30 day period of notice ends on XXXX XXXX 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a XXXX in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold XXXX returned to the call and stated, " they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the XXXX of XXXX. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the XXXX XXXX letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.
|
| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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My name is XXXX and I am reaching out with hopes of receiving resolution to matters concerning Southwest Credit Systems with the original creditor being XXXX XXXX. I have been attempting to improve my credit with the assistance of a family member who wrote and mailed a check out to settle my debt. A few weeks back after being denied an auto-draft loan by my bank & being told Southwest debt was a matter that needed to be paid and proof of the settled debt which was on my credit report needed to be provided as support. I reached out by telephone on or about XXXX or XXXX. I inquired about the amount owed and what I saw on my report that needed to be settled & informed them that a family member would be paying the full amount requested. I was asked if the individual could pay by credit card and I said I am thankful to receive and remedy this matter but I would not or could not tell my family in what form of payment to use. I was grateful for the offer. I was provided with a ref # for the matter XXXX and provided with a mailing address of Southwest Credit Systems XXXX XXXX XXXX XXXX, Texas XXXX. My family immediately mailed a check out in the amount of {$520.00}. Southwest was informed of what was mailed out and I was instructed to check back in a week and I also inquired about when I would be receiving a paid off letter. I was asked for my personal not work email and was told my zip code would be my password to access the paid off notice. I have been reaching out requesting and reaching out only to be told the check was not received. It was mailed from XXXX going to XXXX, Texas & not by pony express. I resolved another matter like this around the same timeframe and the payment went to California, was received & processed. I have been asked by my family member to produce a letter stating my debt is {$0.00} and have not been able to do so. I was told to keep checking. I have been seemingly been getting the run around. I've spoken to several individuals to no avail. One name I remember was XXXX XXXX, & now today XXXX I was told by a manager that the account was taken back by the original creditor ( XXXX ), which made no sense at all to me because I contacted XXXX before reaching out to Southwest and was instructed to call Southwest. The manager without any care or concern in her voice was useless!. I know I am spelling that XXXX name incorrectly but the managers name was XXXX. I can be reached at ( XXXX ) XXXX Thank you in advance for any assistance that you can provide with this matter. I asked what happens to the check my family mailed out that they are alleging they did not receive? Also, what happens to Southwest Credit Systems sitting on my Credit report? Should I retain counsel regarding these concerns?
Thank you in advance for your assistance with this matter.
KE
|
| 10/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws.
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) Southwest Credit ( XXXX ) Account # XXXX XXXX Credit Ref # XXXX NOTE : This account had been deleted off my credit report in XX/XX/XXXX. Now they are trying to fraud tactics to put it back on my credit report.
This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies.
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).
I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation.
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.
Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
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| 06/03/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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SouthWest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Last Four of SSN : XXXX VIA USPS CERTIFIED MAIL/RRR # [ XXXX XXXX : Alleged Original Creditor : XXXX XXXX XXXX Original Creditor Account Number : unknown Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$120.00} Dear Southwest Credit : I recently received communication from you date XX/XX/XXXX attempting to collect the above-listed alleged debt. Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. I noticed this morning you have already violated section 1692G and dunning letter laws by listing the account on my credit report ( this is a FDPCA VIOLATION ). Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my requests above within 14 days, then you are excused from verification. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney. Also be advised you to have already violated the law by placing this account on my credit report prior to waiting the requiring 30 days under the FDPCA and dunning letter laws. I will be forwarding this information to CFPB and my state Attorney General. I will also be following up with your compliance officer which I looked up on XXXX XXXX his name is XXXX XXXX and if you do not remove it ; he will be my next level of contact for your blatant violation of the law. Lastly, Ive bought my home in XXXX and Ive had XXXX for the last 14 years and I am current XXXX customer right now! Your company has tried to collect on this alleged debt more than once and I continue to tell your company your records are wrong! My consumer rights attorney has advised I send this letter and we are keeping copies of everything ; further, this information will be sent to Alabama XXXX XXXX and the CFPB.
Sincerely, XXXX XXXX Enclosure cc : Consumer Financial Protection Bureau via fax XXXX
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| 11/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Happy Sunday! How can you placed a {$480.00} collection on my credit report without my knowledge, consent, or anything. Plus I didn't receive & didn't know you could dispute the debt. I will pursue legal counsel or help if this is not removed soon. I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 07/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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In XX/XX/XXXX I was XXXX out of the United States. Before leaving I took the proper steps to suspend my account due to military XXXX with XXXX XXXX. I suspended the account on XX/XX/XXXX. On XX/XX/XXXX and once I was no longer in the states, XXXX reopened my account for another individual who moved into my old apartment. The customer service stated they had the right " because they knew my address '' which was an address I no longer lived in due to being XXXX. I feel this is a privacy violation and seems XXXX was very open to giving my account to another individual I do not know, and am concerned on what else they sent and gave them that could have possibly contained private information. Once the situation was brought to the company 's attention I was verbally told the amount would be credited to my account. On XX/XX/XXXX, I returned my router and equipment and had to talk to another individual at the XXXX XXXX, VA store on XXXX XXXX because the problem still was not resolved. She was extremely helpful and wrote down voucher numbers for each credit that was supposed to be on my account. I was charged {$120.00} along with {$93.00} and a large amount of late fees due to myself not knowing or paying the charges because I was no longer in the states. The late fees were dropped, and after the encounter at the store the {$120.00} was dropped and no longer held against me. I found out that once again XXXX had not cleared me of the {$93.00} which was disputed on XX/XX/XXXX for the third time. After which I was told once again the charges would be dropped. I also called each credit bureau to dispute the charges off of my credit. I noticed the charges were dropped off of my XXXX XXXX account as well. I moved to XXXX on military XXXX in XX/XX/XXXX. Now on XX/XX/XXXX I received a letter from a Debt Collector by the name of Southwest Credit stating that I still owe XXXX the {$93.00} that was disputed and closed two years ago. I have called the collector and am once again disputing the charges. While talking to the Debt Collector I was told that XXXX had opened the account with them on XX/XX/XXXX. I tried to upload documents to the website the Collector gave me in the letter but was blocked from doing so. I feel as if XXXX is extremely careless in how they handle accounts. My private information was not protected and my account was allowed to be opened under someone who I do not know and someone who could have possibly used my information in a negative way. I do not owe these charges and it is completely wrong for XXXX to keep harassing me for an amount I do not owe, and was closed two years prior after being repeatedly told that I would be credited.
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| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.
I have written this company that has put a debt on my credit report that has been identified as identity theft and was sold to them ( Southwest Credit ). I also advised them that if the original creditor have validated this debt to please send me the information that validates that the originator creditor validated this debt. Instead I was sent an NOTHING. I am absolutely certain that the item I disputed is incorrect as of why it was initially removed and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. Information requested by your company was ignored. You have continued to cause more damages on my well-being of life.
As per Section FCRA 609 ( e ) ( 15 U.S.C. 1681g ( 1 ) ), I am entitled to see the source of all the information, which is the original contract that contains my signature and the cashed checks used for bill payment. I do not have a contract with Southwest Credit company and have never done any business with them and I will sue them. If they have paid for this debt it is another reason why its against to law to collect on a debt that has been purchased, deemed as identity theft, or when there is no contract between you and the consumer.
Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation between the debtor and Southwest Credit to pay debt collector which will give your company jurisdiction to report this debt on my credit. Regardless of what type of company you are, you still have to have a contract between either you and I or the original creditor and you, that you give you obligation to try and collect a debt. If you didn't purchase this debt, then you surely have an obligation letter to collect. You have not provided anything regarding to the proof of claim request by affidavit from the commissioner of the court with matching government issued identification. Also, the cease letter was strictly for collection and has nothing to do with the proof of claim requested. All information requested by affidavit which is not to be treated as normal communication per FDCPA. This is your final notice are a commercial lien will be filed against you and your company for dishonor, illegal credit reporting, no jurisdiction and punitive damages.
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| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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How did it go through from {$1800.00} and {$1400.00}? SO MANY INACCURACIES ON THIS ACCOUNT. IT WAS REMOVED 3X TIMES AND NOW IT COMES BACK WITHOUT PROPER NOTIFICATIONS AND RE-INSERTION NOTICE. THIS IS A VIOLATION! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 05/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My financial accounts and technology were all compromised as a result of the following XXXX compromise : Someone found a way to bypass the two-factor authentication ( 2FA ) security measure at XXXX XXXX and compromise countless accounts.
Following the bypass, the attackers are able to use the compromised accounts to try and take over cryptocurrency exchange accounts and cloud storage services.
On XX/XX/XXXX XXXX email users started getting notified of changes to their account information, but their passwords were already changed so they couldnt enter. Those that managed to get back into the account found that a secondary email address was added to the account, from a disposable domain XXXX
Sponsored Links This Year 's XXXX Lineup Is Turning Heads -- And Finally On Sale!
Best XXXX Deals | Search Ads Bypassing 2FA The secondary email address is a security measure used by some email providers that help with password resets, account notifications, and similar.
RECOMMENDED VIDEOS FOR YOU...
CLOSE Many of the victims took to XXXX, XXXX, and XXXX forums to discuss what had happened, and said that they had 2FA enabled. So, whoever was behind the attack, managed to guess the password with credential stuffing, and then managed to bypass the two-factor authentication security measure. XXXX report states the attackers used a privately circulated OTP ( one-time password ) bypass which allowed them to generate working 2FA verification codes.
READ MORE XXXX XXXX publishes XXXX 'unlisted ' phone numbers online > What is 2FA and MFA?
> These are the best firewalls right now That gave them access to the account, and adding the secondary, disposable email account, allowed them to perform the password reset process.
After gaining complete control over the compromised email accounts, the threat actors then proceeded to breach further online services, assuming people 's identities to request email resets. XXXX, XXXX, XXXX, and XXXX, are just some of the services that the threat actors tried to breach.
XXXX is keeping silent on the matter for the time being, but a customer said on XXXX that the firm is aware of the incident and is currently investigating. The same source also said that according to a customer support employee they spoke to, the issue seems to be quite widespread.
As a result, my financial accounts were all compromised, my technology was all hacked, I lost by business, and my health, requiring hospitalization, among other losses. I attempted to resolve this with XXXX directly several times, even requesting that they come out to fix the problem, but all they did was bring me a new box.
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| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2022, Southwest Credit Systems, L.P. ( " SWC '' ) responded to my complaint XXXX, completely ignoring all responsibility the company has as it pertains to my consumer report. The company alleges, " SWC takes all consumer complaints seriously and is grateful for the opportunity to respond '', yet the company completely ignored federal law, it ignored proof of the inaccuracies on my consumer report and their requirement to report accurately, and made no mention of the issue at hand in my previous complaint which was the inaccurate use of my consumer reports. The company failed to acknowledge or respond to the fact they have no written permission from me the consumer to utilize my consumer reports as is required under federal law 15 USC 1681b ( a ) ( 2 ). The company failed to acknowledge or respond to the previously attached document in the complaint of the alleged debt obligation that is reporting inaccurately with highlighted sections to display this fact. The company failed to acknowledge or respond to the fact that it is 100 % responsibility of the furnisher to report complete and accurate information as seen in, The United States of Appeals, Ninth Circuit, No 00-15946 Nelson V Chase Manhattan ( 15 USC 1681s-2 ( 2 ) & ( 3 ) ). The company failed to acknowledge or respond to the fact that the company is required to notify me, the consumer, prior to sharing any of my alleged personal information with non affiliated company as is a federal requirement under 15 USC 6802 ( b ) of my right to exercise my non disclosure right. This is a right provided to me the consumer by congress, it is not subject to the companies policy. This company continues to harass and defame my character in direct violation of federal law as well as my wishes as the consumer. The document they received on XX/XX/2022 detailed my desire for the company to Cease & Desist all illegal activity. It is now XX/XX/2022 and this company continues its illegal activity. Attached is the same attachment in the previous dispute that clearly shows inaccuracies. In the companies response through the CFPB, it states " SWC received XXXX XXXX initial dispute on XX/XX/XXXX and has been correctly reporting the account as disputed since then. '' The attachment shows proof otherwise. Inaccuracies clearly can be found in the highlighted sections, Account Status, Date Last Active, Derogatory/Dispute Indicator. It is the furnishers responsibility to ensure maximum accuracy. After SWC 's response, the company is willfully violating the Fair Credit Reporting Act.
|
| 06/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am providing them with a theft affidavit, which is a request for a Reinvestigation, this is not the same as the last dispute.
I am officially requesting a block be placed on this item. You will find my Id theft affidavit attached. Do not report this information any further to any of the credit agencies.
I requested that you inform me of how my identity was confirmed by XXXX when the account was opened. Your company informed me that you didn't have that information. Im not sure how you can report to credit agencies if you have not confirmed my personal identy. I reached out to XXXX. They informed me that they did not collect a photo id when they opened the account. Thier privacy policy also confirms this information ( see attachment ). I requested from them all personal identifiable information they have collected on me. They had an adress that was wrong, a phone number that was wrong, an email adress that was wrong, my social security number, my date of birth, but they did not have a photo id. They did not verify that it was me who opened the account.
When speaking with your company you informed me, that you do no have a department set up to investigate id theft, I would have to contact XXXX, to have them investigate it. XXXX is not required to investigate it by the fair credit reporting act, because they are not a furnished of information to the credit agiencies. You, however are, and are required to do so if you report to the credit agiencies. I have a right to dispute and request investigations, as well as Reinvestigation directly with you. And because you are a furnisher of information to the credit agiencies you are required to respond and act in the same manor and time line the agencies are.
I requested that your company investigate the date of delinquency, as it does not match the statments you provided to me, nor does it match the date XXXX said the services were terminated. You told me that was information XXXX provided and that it is accurate. It doesn't matter if XXXX is accurate, they are not reporting to the credit agencies, however you are, you are required to be accurate or delete the item. XXXX says services were terminated XX/XX/XXXX. The date of delinquency has to be that day or before. It can not be XX/XX/XXXX. You are required by law to update the information or remove it from my credit history. You have 30 days to investigate it and make corrections. The person on the phone only paid me lip services and took no action to investigate it. This is in clear direct violation of the fcra.
|
| 05/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I Received a letter from the collection agency, saying I owed them {$570.00} for an alleged account with XXXX on XX/XX/XXXX. On XX/XX/XXXX I mailed a certified letter, which was received and signed for on XX/XX/XXXX requesting information to validate the alleged debt. The things I asked for are things that I am by law able to request, and the collection agency must provide. I have yet to receive any of the documents I equested that are required by law to validate the account. It is well over 30 days, almost 60 days past the required time period that the collection agency must respond per FDCPA, and FCRA laws. I have contacted the agency multiple times, and get no cooperation from them. I have every phone call documented with names, dates, and times. XX/XX/XXXX told by rep from the agency that they cant send any other documents besides the bill from XXXX. Stated they did receive my certified letter, but they have been waiting on their client XXXX to respond with the appropriate documents. Transferred me to a supervisor ( name documented ) so I left a message for her to call me.
XX/XX/XXXX Supervisor *XXXX XXXX XXXX XXXX XXXX called me back, was very rude, and told me that they sent a copy of my last bill to me, and that is proper validation ( which I havent received ) I called XXXX ( name, date, time documented ) and they are not able to pull up any account information with the account number that is listed on the collection letter sent to me by Southwest Credit . XXXX isnt able to verify any of the information required by law. They cant verify anything, I was told that they arent able to pull up any statements, or any balance that may be owed. Rep from XXXX told me the account with collection agency will be deleted, a ticket was submitted for deletion. After this, I have checked daily with the collection agency to see if the account ha been deleted yet, and they tell me it hasnt. Called XXXX back XX/XX/XXXX spoke with Rep ( name documented ) stated the collection agency has all the info needed to delete the account. This is clearly a zombie debt, that can not be validated by the collection agency OR XXXX, yet the collection agency wont delete this account from my credit. This is a clear violation of Fair Debt Collections Practices Act, as well as the Fair Credit Reporting Act. In the state of Texas, a civil suit can be filed, the collection agency fined, and I can seek damages up to {$1000.00}. I am hoping not to have to retain an Attorney, but if the account is not deleted from my credit, I may have to do that.
|
| 08/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello and how are you? I was shocked today when I reviewed my credit report and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from ( SWC Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ) that I never have dealt with before and i see a balance of {$240.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below.
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
Account Name : SOUTHWEST CREDIT SYSTEMS Account XXXX Please remove it from my credit report.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX XXXX XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX STATE SENATE XXXX : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
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| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI SOUTHWEST CREDIT SYSTEM COLLECTION XXXX XXXX Collection {$730.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 09/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to ; For the purpose of validation provide me with : The name and address of the original creditor. The original date of default or non-payment of the debt with original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. The current balance. Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ).
The statute of limitation in Texas is 4 years. The original debt is over the statute of limitation for this debt to be collected on.
Texas Surety bond information as required by Sec. 392.101, this creditor is does not hold a surety bond in the state of Texas as required ( see attached ). Per the code, this a violation punishable by {$10000.00} per occurrence. A complaint has been filed with the Texas Attorney Generals office. I request my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ).
Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards.
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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On XX/XX/2022 I sent a Conditional Acceptance Cease & Desist to Southwest Credit Systems, L.P. ( " SWC '' ) detailing their actions harming my consumer reports. I have never given SWC my permission to use my consumer reports as is required under 15 USC 1681b ( a ) ( 2 ) which states " In accordance with the written instructions of the consumer to whom it relates ''. I also requested proof of that written permission from the company in the event I made a mistake, the company failed to produce any documentation to show they have my written permission. On XX/XX/2022, a response was sent further providing proof that the company has no original contract, nor any proof of my written permission to use my consumer reports. This response from " XXXX XXXX '' in their compliance department that specifically states " we are not obligated to provide a signed agreement ''. This is a violative business practice when a company believes they do not need to have a contract to defame any individuals character. Federal law supersedes any " company policy '' and in the eyes of the court statutes are the mandatory authority. Additionally, this company did not communication with me prior to sharing my personal information with any non affiliated third party. 15 USC 6802 ( b ) states very clearly SWC is 100 % required to communicate with me prior to sharing any information with a nonaffiliated third party. SWC failed to communicate with me prior to doing so. Not only is this company defaming my character without consent, they are also reporting inaccurately between the credit reporting agencies and have not labeled the accounts as disputed which is a requirement under 15 USC 1681s-2 ( 2 ) & ( 3 ). They were notified via the CRA 's that the information was inaccurate and the response from the company was these accounts are " verified ''. Precedent has already been established by the The United States of Appeals, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX that the reporting company is 100 % responsible for how the information reports. Lastly, Congress as already stated in the FCRA that inaccurate information must be removed from a consumers credit report. All the essential elements are present for not only defamation of character but extreme negligence on behalf of SWC. Each of these violations are subject to penalties as described in 15 USC 1681n & 15 USC 1681o and as seen from previous cases of a similar nature, the Plaintiff has also been awarded punitive damages when companies have no permissible purpose.
|
| 08/26/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I have been repeatedly contacted by South West Credit Collections and disputing the debt as not mine do to identity theft. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt.
In XX/XX/XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints.
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts.
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt.
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with.
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XX/XX/XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XX/XX/XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
I have previously supplied copies of the police reports to Southwest Credit, but they still have not removed this bogus debt from my credit reports.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CEASE AND DESIT XXXX XXXX XXXX XXXX to a willing person, it is not a wrong SOUTHWEST CREDIT SYSTEM company this is a written request for you to cease and desist all forms communication with me effective immediately.
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.
15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Furthermore you have no jurisdiction or authority to collect on this allege debt.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is XXXX for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.
You SOUTHWEST CREDIT SYSTEM knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON XXXXXXXX XXXX XXXX XXXXXXXX Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.
|
| 01/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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About 6 years ago, I got tired of XXXX randomly changing monthly payments without notice. I called them to canceled but they told me that I was already prepaid for the upcoming month ( since they pre-pay the account a month in advance ). I told them to tell me what that date was and to close the account a day prior and I would sent it in their equipment. Few days before the closing date, someone from XXXX called me to incentivize me ( offering a deal ) not to cancel the account. I contemplated but ultimately told them I still wanted to stick with my cancellation. I turned in the equipment a few days later, as we had agreed. But of course, about a month later, I still get a bill as if I never cancelled. I spent almost an entire day on the phone with them and they apologized as they realized that their representative had given me the wrong date AND the other representative had removed my cancellation all together!!! Many hours of being on hold and being transferred to a manager, they acknowledged that they have received the equipment and acknowledged that I couldnt have been using their services and it was their misunderstanding. It was assured that they corrected everything and that if I got another bill, I can ignore it until the system sees the adjustments. So I received a bill once more and nothing after that just like they had said. So I trusted that it was all over with. Almost a year later I got a collections letter!!! I cant remember all the details since that point because Ive called collections and Ive called XXXX multiple times. Each time, they put me on hold for about an hour, tell me Im right but that they need a manager to fix it and by the time the manager comes on, they change the story and say I still owe this amount. Ive spent so much effort and they cant even acknowledge that if its confusing to their own representative over all these years, how can they be sure I owe this amount when they have the notes from when I called to cancel and the equipment was received!! I cant see all that they see to help them understand that I did everything they asked me to!! At this point, my main complaint is that they keep removing the report every 1-2 years and give it to another creditor which reports it as a new delinquent account. If it has to stay on my credit report, can it at least show the factual correct date of the delinquency which is around 6 years old and not just 1-2 years old?? Is this even legal to change the dates to appear as a new delinquent account?
|
| 05/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
Below is my previous complaint and also the company response. I requested original contract with my signature at time that i received services and proof and authority that XXXX XXXX XXXX can lawfully collect any monies from me but i haven't yet received any of the requested documentations.
YOUR COMPLAINT I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.
responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX. Response Date : XX/XX/XXXX Southwest Credit Systems , L.P. ( " SWC '' ) is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously, and is grateful for the opportunity to respond. On XX/XX/XXXX, XXXX contracted SWC to collect the unpaid balance of {$58.00} from XXXX XXXX, XXXX, PA. According to XXXX, the account became delinquent XX/XX/XXXX. On XX/XX/XXXX, XXXX received XXXX XXXX first CFPB complaint regarding his account ( reference # XXXX ). On XX/XX/XXXX, XXXX answered XXXX XXXX complaint and provided account validation per his request. The bill copies XXXX XXXX received were provided by XXXX for services rendered. XXXX also stated, We do not have signed contracts for our residential customers. SWC will continue to work with XXXX and XXXX XXXX to resolve this matter. SWC is compliant with regulations regarding collections and credit reporting. If XXXX XXXX or the Bureau has any further concerns, they may reach SWCs Executive Relations department directly at ( XXXX ) XXXX or XXXX. XXXX XXXX Compliance Southwest Credit Systems , L.P .
|
| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI XXXX! I have XXXX bill colelction for {$810.00}???? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and Professional Liability Fund for code of ethics violations.
|
| 01/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello ; XXXX for {$490.00}? I never opened account with them!!! - I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi SOUTHWEST CREDIT SYSTEMS ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS/Good Evening / and Happy Holidays! I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 07/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi Southwest Credit System ; XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX/XXXX/XXXX, I was made aware of a {$65.00} charge off that was reporting on my credit report by a " SW Credit Systems. '' I 've never had so much as a late payment on my credit report..ever. It was in the XXXX, and after this report it has dropped nearly XXXX points. So I contact this SW Credit at XXXX and spoke with an XXXX XXXX there. It took them forever to find my account, and stated it was a {$65.00} bill from XXXX XXXX?? I have n't had XXXX in about 2 years so I was very confused. I asked when they tried to contact me and I would 've paid them whatever they wanted before they reported it as a charge off and come to find out they sent one letter ( to an address I have n't lived at in years ) in XXXX. I asked if that was it and she said yes. 1 letter..over the course of 8 MONTHS. I asked her if she thought this was an appropriate amount of collections before sending it to charge off. She avoided answering the question and just read off a script, because anyone who is sane would know they answer is a most certain " No. '' I asked if we could come to some agreement where I would pay this mysterious {$65.00} bill and they would just remove this from my credit bureau. XXXX was emphatic that they have a no deletion policy. I then called XXXX at XXXX ( Collection Department ), where I came in contact with literally the rudest person I have ever dealt with in a business setting. She started yelling at me when I tried to get information on this alleged account I had, saying that I should n't have called there and I needed to speak directly with this Collection Agency that they sold my " debt '' to. She was trying to rush me off the phone from the 1st sentence. I asked if she could possibly assist me with this random 3rd party, possibly fax something to them. When I asked this, she literally yelled into the phone " WE ARE N'T GOING TO FAX ANYTHING TO ANYONE TO GET IF OFF YOUR CREDIT '' and actually hung up on me! I always remembered XXXX being very nice back when I had it, so I was astonished to come across someone so terribly rude. I 'm just so confused at this entire situation, I have a random 3rd party collection agency that has awful reviews reporting a {$65.00} charge off that I 've never been aware off but they claim that they sent ONE letter 8 months ago. When I try and contact the base company that my supposed " debt '' is with, I 'm met with rudeness beyond words. I ca n't believe I have been dealing with all of this, over a simple {$65.00}.
|
| 08/26/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have never done business with Southwest Credit Systems. They have sent me bills in the mail requesting payment and threatening me if I do not pay them. They have violated multiple FDCPA laws.
I am demanding they stop harassing me.
Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 5 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692d. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 1 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 2 ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692c. ( b ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A that Southwest Credit Systems, L.P. is in violation of 15 U.S code 1692b. ( 3 ) CEASE AND DESIST- Pursuant to 15 USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged dept, and I am demanding that you cease all forms of communication with me through any and all mediums.
Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : XXXX out balance on the account.
Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.
Deletion from all consumer reports.
|
| 01/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Sometime in XX/XX/2017 I became aware of a collection item on my credit report.
The collection agency is Southwest Credit System representing XXXX XXXX of XXXX CA.
I became aware of this collection on my credit report 1 month aftrer it was initiated. I was surprised and appauled that XXXX had turned this account over to collection.
In XXXX, 2017 I received a notice reflecting {$80.00} due from a tow on an account I shared with my daughter. I called XXXX and I can't remember the exact details but we reviewed the account and agreed that I didn't owed {$80.00} but discovered that XXXX in fact owed me {$19.00}. I don't remember all of the details. The XXXX agent told me that I would be receiving the refund check in the mail.
Needless to say, when I discovered in XXXX, 2017 that the debt had been turned over for collections I was very upset and perplexed.
I called Southwest Credit Systems and was told that they could only collect the debt but couldn't help me with my story about not owing and the conversation/refund I spoke with the XXXX agent about.
I then tried calling XXXX who told me that they could not access the records nor could they find any conversations on my account. I believe that by this time my daughter had her own account so the account numbers had changed.
At this point, I just wanted to pay the balance so it would no longer reflect as an unpaid collection on my credit report. I explained to the Southwest Credit representative that I was paying it so my credit would not be destroyed but that I didn't owe it.
Sometime after I paid the {$80.00} to Southwest Credit, I discovered that I didn't even cash the refund check remitted by XXXX because I was holding on to it thinking it would help resolve the matter. I filed the check and the notice ( originally received that initiated the phone call resulting in a refund ) thinking I would receive additional correspondence from XXXX. I never did. I subsequently discovered the negative collection on my credit report.
After I found the notice and the check, I called Southwest Credit back hoping they would review the documents and refund my monies and remove the negative collection from my credit report.
However, when I called Southwest Credit I was again told there was nothing they could do.
Now, I am refinancing and this negative collection is driving down my credit score. It's very unfair that consumers get caught in the loop between collection agencies and vendor errors.
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 03/17/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 03/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Southwest Credit Systems LP has been reporting a collections account on my XXXX and XXXX credit reports. The balance is for {$2000.00} and the original creditor is XXXX.
Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe them. I sent my first debt validation letter XXXX XXXX, 2017 ( Please see attached ). Southwest Credit Systems LP responded to this debt validation on XXXX XXXX, 2017 by telling me that I had a right to request the substantiation of the debt, which is exactly what I was trying to do with the letter I sent. In that letter, they told me to send the debt validation letter to different address than where the first letter was sent.
Their response to my first letter is attached.
I then mailed a second debt validation letter on XXXX XXXX, 2017 to the address given on their response to my first letter once again requesting the validation of the debt they claim I owe them.
I have yet to receive a response from them.
This issue is adversely affecting my credit profile, my credit score and it is hindering me from accessing financial products that can be of use to me.
I respectfully request that the Financial Consumer Protection Bureau contact Southwest Credit Systems LP on my behalf and have them substantiate ( validate ) the debt they claim that I owe them.
I do not recognize this debt and all I 'm requesting is that they follow the law.
A request for validation of the debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA requires that Southwest Credit System LP provide me with competent evidence that I have a legal obligation to pay them. This includes : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest and other charges ; and for all other charges, the date of and basis for each charge.
Agreement with your client that grants you the authority to collect on this alleged debt.
Verification that this debt was assigned or sold to a collector.
Complete accounting of the alleged debt.
Commission for debt collector if collection efforts are successful.
I have not received any of the above required documentation despite submitting XXXX requests.
If Southwest Credit Systems LP can not provide the above mentioned documentation, I request that they delete the account from all my credit reports.
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| 01/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX FOR {$930.00}??? HOW? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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HI SOUTHWEST CREDIT SYSTEM ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 01/10/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX FOR {$240.00}? I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 03/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 12/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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HAPPY SUNDAY MGR ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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HAPPY WEDNESDAY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 10/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 11/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/09/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I file a complaint with XXXX about SW Credit Systems because Systems SW Credit Systems added a debt of $ XXXX.to my credit reports without notice has caused me a denial of housing, this is not my debt. Southwest Credit Systems, LP, did not provide notice to me prior to reporting negative information to the credit reporting agencies. Because Southwest Credit Systems did not give me prior notification, I was denied the right to dispute the debt or verification of debt.
Southwest Credit Systems, LP also reported on my credit report that I opened the account with them ( Southwest Credit Systems, LP ) on XX/XX/XXXX. This is not true, I never opened account with SWCS, LP. I have no knowledge of nor am I aware of such business transactions with this company Southwest Credit Systems, LP or the company they represent ( XXXX ).
By Southwest Credit Systems adding the debt of {$840.00} to my credit reports without notice has caused me a denial of housing and credit. By SW Credit Systems, LP adding / reporting a debt of {$840.00} and not notifying me prior to reporting to the credit reporting agencies is SWCS, LP for me to pay a debt that is not mine. I also sent a certified letter # XXXX to Southwest to remove the debt b/c it was not mine. During that time SW Credit reported the debt to XXXX and XXXX, after numerous back and forth between Southwest Credit Systems and the XXXX, Southwest removed it from my XXXX and XXXX reports at the time of SWC reported the debt it was not reported on my XXXX. On XXXX/XXXX/XXXX Southwest Credit they would cease and desist all contact regarding this matter on I got an alert that on XX/XX/XXXX Southwest reported to XXXX the same debt of {$840.00}. Also, I was in such in a dire to move from current resident I offered to pay {$250.00} so I could obtain housing. This offer was not a settlement but an agreement that they would remove this debt or report paid in full as agreed so I could obtain housing. SWC did not provide validation of this debt belonging to me. This has been on-going with Southwest Credit System since XX/XX/XXXX, as I have stated to Southwest, this is not my debt. I have no knowledge of this I only offered to pay {$250.00}. b/c I was in need of immediate housing and I am un-employed. This was an offer, not a settlement only to get housing that is the only reason I offered the payment of {$250.00}. for this debt that do not belong to me.
|
| 06/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Responding to Southwest Credit System saying that they didn't need my signature. Well I just got off the phone with the Federal Trade Commission and Attorney General 's Office about this matter. That Southwest Credit System ( XXXX ) who just sent me attachment of itemize bill statement. They stated that doesn't was not the truth that is why they said this month. FTC, State and Federal Law Enforcement Partners Announce Nationwide Crackdown on Phantom and Abusive Debt Collection Companies. Told me to keep them inform. They said according to the following : 1 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ), you are required by federal law to verify, through the phyiscal verification of the original signed consumer contract- any accounts you post on a credit report. Otherwise, anyone paying to the CRA could fax, mail or email in a fraudulent account. ( So, they said your reply was not truth you are in non-compliance ).
This was stated to me by a FTC lawyer that if you continue in non-compliance to remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. XX/XX/1995 ).
2 ) According to pursant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that claim is disputed and validation is requested. You must provide the following : 1 ) What the money you say I owe is for ; 2 ) Explain and show me how you calculated what you say I owe ; 3 ) Provide me with copies of any papers that show I agreed to pay what you say I owe ; competent evidence bearing mysignature 4 ) Provide a verification or copy of any judgment if applicable ; 5 ) Identify the original creditor ; 6 ) Prove the Statute of Limitations has not expired on this account 7 ) Show me that you are licensed to collect in my state 8 ) Provide me with your license numbers and Registered Agent At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws.
ALL NOTE THAT ACCORDING : As per FTC letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verifcation to pay the alleged amount.
I am also attaching a letter that I am sending by cerified mail to you guys. I am maintain a careful record of all my communications for the purpose of seeking damage.
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| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint submission is in regards to a false credit report by SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative who was both uncooperative and uninformative. The representative was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent twice on XX/XX/2023, and XXXX of 2023, which was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2023, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. They failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by SOUTHWEST CREDIT SYSTEMS has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and SOUTHWEST CREDIT SYSTEMS ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the 3 major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
|
| 08/01/2021 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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i just find out that on my credit borough reports i have 3 collections in a small amount in a total of {$450.00} 1. XXXX XXXX, $ XXXX, 2. SW CRDT SYS Corp, $ XXXX, 3. XXXX XXXX $ XXXX.
I don't know what is about, i just can guess according to original creditors names ( whish i found on credit reports ) that its medical outstanding bills. I never received any letters/notices from Collection/Or-and/Original creditors that i own some money.
I am a medical provider too, in case i want to put patients for the collection I am always mail them certified green mail card which must be signed by the patients. Then i am allowed to put patients for collection because i have received proof that the patient received a notice. A few month ago some collectors was trying to call me about some outstanding amount, they just verified my name, but when i asked them Can you please email me or mail a bill/statement from original creditors so i can Verified where is the source of my outstanding but I WAS HANG UP THE PHONE immediately, for me looks like that just they just want verified my name and its more than enough to put me in a collection.
Another way, because i have very valuable time I would like to pay these outstanding balance and forget about this., and unfortunately i am unable to do it because when i have clicked on XXXX , XXXX , and XXXX collection names I DO NOT HAVE ( website link ) an OPTION to pay it OFF. I did search by creditor names on line and its brought me to their subcontractors websites where they offer some some credit card and other things.
For Example on XXXX Credit Borough I have clicked DISPUTE button and its brought me to : XXXX XXXX XXXX XXXX Its Not fair to me, like i mentioned above i would like to pay OFF a balance i have and even not to thing what is about. BUT i do not have an options to do it on their website. I have made a few calls by the name i found of my credit reports and i was switched to companies who offer some services to clean up a history for monthly fee etc.
1. The reason is it has to be removed from TXXXX XXXX and XXXX that is NO link from original creditors/or collection agency to PAY OFF a collection Balance.
2. XXXX, XXXX and XXXX must have received a confirmation from original creditors that debtors have received a notification ( NOT just phone calls to verified the Names and hang up the phone after )
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| 10/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 08/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Notice for Proof of Claim Account : Southwest Credit System, LP BAL {$420.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I had an account with XXXX at a previous address. I returned all necessary equipment and closed the account on that address while switching to my new address. I had the same account with XXXX and have had the same account with XXXX for four years. There was an apparent charge from my previous address that existed even after closing the account on that address. They had all current information for me to inform me of this charge, but I was never informed. I didnt receive a single text, call, email, or letter about this charge even though they had my current address, phone number, and email. I am and have been current on my bill with XXXX every month Ive been with them. My services were not stopped when this charge existed. I also was never informed of any charge by the credit agency. I only found out about this charge once applying for a home loan and found this report from the credit agency on my credit report. This charge was such a mystery to me that Ive had to speak with two of my lenders to find out who the company was that was reporting, which was southwest credit system, as well as where the charge came from. I had to research this company myself to find their contact information because they never once sent me any communication via any method whether a call, text, email, or letter. Luckily this charge only existed for a month before I found it when applying for a home loan. This has a massively significant impact on my credit score. I immediately contacted both XXXX and the credit agency to resolve the issue, but I was only told I could pay the charge, so I did. Neither company would speak to me about anything deeper than that there was a charge ; I was given no specific information about how this charge even existed in the first place by either company. Both companies best advice for me was to speak to the other. XXXX couldnt produce a single piece of evidence showing that they tried to contact me about this charge, and would let talk to me about why the charge existed or why I was never contacted at all. The very first moment I found out about this charge via my credit report, I began the process of resolving the issue. Had XXXX or even Southwest Credit Systems notified me of the charge originally I would have paid immediately like I did when I eventually found out on my own. This should be removed from my credit report.
|
| 02/02/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX is attempting to exploit a military move by double charging my family for service to our home at our last duty station and service to our new home. Accounts were transferred within reasonable time and XXXX was presented military orders that supersede ISP contracts through the service member 's relief act.
I resigned my commission as an XXXX XXXX XXXX XXXX from the XXXX XXXX XXXX last year. My wife, daughter, and I moved from XXXX state on XX/XX/XXXX. My wife attempted to transfer our XXXX account from XXXX XXXX XXXX, XXXX, XXXX XXXX to our new residence at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX. XXXX told her they were unable to transfer the account out of state and that she needed to cancel the XXXX account and open a XXXX account. They also informed her that we needed to pay for XX/XX/XXXX balance as well because we did not cancel within 30 days. She informed them that we are moving on military orders and they informed her that the military orders were not relevant.
After moving to XXXX, we received a phone call in XX/XX/XXXX from Southwest Credit Systems informing us that we were in default of a debt owed to XXXX. XXXX had sent another bill for the month of XX/XX/XXXX for services to XXXX XXXX XXXX XXXX while we were concurrently paying for services under the same name ( XXXX XXXX, my wife ) in XXXX. My wife called XXXX and they determined we had been charged in error and that we were owed a credit instead. My wife called Southwest at the end of XX/XX/XXXX and in XX/XX/XXXX to confirm that they would not send the negative report to the credit reporting agencies. She told them that we are currently house hunting and that a negative credit report would be extremely damaging to us. Southwest Credit Systems informed my wife that they would not send the negative report to the credit reporting agencies prior to calling us first.
We are currently closing on our first home purchase using the VA loan benefits earned from 10 years of serves and two combat rotations to XXXX. In the final credit check, our lender found the negative credit report enacted by Southwest Credit Systems on behalf of an erroneous charge by XXXX.
We would like to have the charge removed from our credit record and for XXXX to settle the credit owed to us.
Southwest Credit Reference Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Notice for Proof of Claim for the following Account : XXXX XXXX XXXX XXXX To Whom it may Concern : This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.
Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart, 13 Id 646. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
|
| 06/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When checking my credit report about 7 months ago, I noticed a collection account on there from Southwest Credit Systems ( SCS ) by way of XXXX XXXX. I had no knowledge of the debt, so I disputed it on all three credit bureaus. I never heard anything back, but when checking on my report, the debt was still there. I then contacted SCS by phone to let them know that it wasn't my debt and need to be removed. XXXX XXXX made a mistake on my account and sent this untrue information to SCS. I have a letter from XXXX XXXX stating that they made a mistake on my account and that a refund would be issued. I've contacted SCS several times to get the item removed, but have been giving the run around when I call. About two weeks ago, I called and at the time was told I owe {$120.00}. The original amount, which is still on my reports is {$730.00} owed. My fist issue, even if I owed the {$120.00}, which I don't, why is my credit report showing me still owing {$730.00}? Another time when I called, the rep on the phone stated that the account was paid in full, which again I don't get because I didn't pay on this fraudulent debt. My second issue, if it's showing paid in full on SCS screen, why do they still have it listed as a balance owed of {$730.00} on my credit report? When questioning the reps, they got real irritated and transferred me to some VP voicemail, which was over a week ago, and I still haven't heard back from anyone. I'm tired of the run around and it seems as I'm getting different information every time, all which is inaccurate, yet they haven't removed the false information from my report. The lady on the line claim that they don't remove or add things to our reports, they just collect on them. The last issue is that I've been contacting this company to get the inaccurate information removed, with getting the run arounds, no call backs and being told anything ... .I look on my report today and it shows they updated the past due amount of {$730.00} on XX/XX/20, which is inaccurate. When I called SCS today on this, the rep said the balance is paid in full. Someone please help, this inaccurate information is causing issues with my credit. Just a side note, these companies always claim that the calls are recorded, please make them pull the calls from my conversation, so that you can hear exactly what I'm talking about.
|
| 01/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This Dispute started in the spring of XXXX with XXXX XXXX. After over 15 years of service from this company I dealt with misleading information, fraud, lying, breaking of contract agreements on their part, and horrible service. I decided I had enough after trying to resolve all the issues and disconnected their service. They have tried to collect a disconnect fee of {$230.00} ever since XXXX. First by sending it to the collection XXXX XXXX in the spring of XXXX. This resulted in my Credit Score being lowered by all three Credit Bureaus. I then filed a dispute with all three and XXXX. All three credit bureaus removed the report and XXXX dropped the collection.
Now here we are a year later and XXXX simply moved the collection fee to a new collection agency Southwest Credit. Again my credit score was lowered and now I am disputing this unreasonable charge with them and Southwest Credit. At this time XXXX and XXXX have again agreed to remove the report, but for whatever reason XXXX is still being difficult even though they had no problem removing it last year. I have appealed their first decision and filed a second dispute with XXXX. I have also told Southwest Credit I will not pay the fee and informed them of the history of this collection.
Below is an outline of some of the issues. I will attach and upload some supporting documents, but many were destroyed last year after I thought the issue was resolved.
The original Creditor ( XXXX ) charged the fee as a disconnect charge I did not agree to pay.
XXXX service was disconnected as a result of their horrible service, fraud, misrepresentation of their contract, lying, and a total dissatisfaction with their organization.
This same collection popped up last year and XXXX, XXXX, and XXXX removed it from their files and the collection agency XXXX dropped it as well. Regarding the current collection issue with Southwest Credit, XXXX is dragging their feet and Southwest Credit will not drop the collection apparently.
I had several other documents supporting this dispute but they were destroyed over a year ago when all credit reporting agencies and collection companies had taken this issue off their records.
I hope your organization can assist in ending this matter permanently as it had been a nightmare and t do not want to continue filing disputes and appeals.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
It started after i received a collection letter from Southwest Credit Systems on XXXX, it was in reference to an unpaid XXXX XXXX bill in Illinois in the amount of {$230.00}. I immediately contacted the collection company and told them this is not my bill, and that i have not resided in Illinois since XX/XX/XXXX. Then i contacted my local police dept and filed a police report on XXXX for identity theft/fraud. Then i contacted XXXX XXXX and fought with them as they stated the name on the XXXX XXXX account was the same as mine, and that the ss # which they made me verify, was the same as mine. They explained the gentleman 's name was also the same as mine, and told me the acct was opened XXXX, and a women called and closed the XXXX acct out on XXXX. To make a long story short, XXXX XXXX verified the information that i had given to them, they also stated the acct holder had auto debit, and the bills were going to a women in Illinois, but yet they would not clear it. They said to wait 45 days for them to do the investigation, and within less then 30 days, they had already turned this acct over to the collection agency. I did receive a call from XXXX XXXX on XXXX from a man who said he had verified all the info we had given him, and that he had credited the acct, and was going to clear the remaining balance, even though he believes it should not be done, but someone told him to. I was also told they would send me an activity statement, and that they would send documentation to the collection agency that the acct was paid. As of XXXX i called Southwest Credit Agency and they have not received any documentation from XXXX XXXX to Clear this acct. On XXXX, i contacted XXXX XXXX customer service to ask once again for an activity statement, proof its paid off, and for them to notify the credit agency. They refuse to notify the collection agency that this is not our acct, i have also tried to dispute this charge in my credit bureaus and they stated they will not remove it. What happened to the saying, your innocent until proven guilty??? How do i get this off my credit, when it is not my acct. Any help you can give me in this matter would be greatly appreciated. I can not send any documentation since all i have is a collection letter. I do have notes, dates, and people i have spoken to since this has begun back on XXXX.
|
| 11/27/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
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On XX/XX/2016 by Certified mail Southwest Credit Systems, LP ( hereinafter SCS ) was notified that I am disputing that I owe them {$100.00}. As I 'm sure you know they are required by law to validate this alleged debt. They were also noticed that SCS is required by law to mark it disputed within 30 days from delivery of that notice. SCS did not respond to this letter nor did they mark my Credit Reports as " disputed '' within the 30 time period.
On XXXX/XXXX/2016 by Certified Mail SCS received a second good faith attempt to correct their Administrative blunder advising them that they had failed to validate and failed to mark the alleged debt " disputed '' with the Reporting Agencies.
On or about XXXX/XXXX/2016 I received a letter from SCS with what appears to be some type of accounting and or statements. Statements or accounting reports DO NOT meet law requirements to validate. Validation, by law, is something with my signature where I would be under some legal or contractual obligation to pay SCS.
On XXXX/XXXX/2016 I responded to SCS via Certified Mail advising them that they " FAILED '' to validate, SCS also FAILED to mark my Credit Report as disputed and gave notification that because I have exhausted my administrative remedy in this matter that I would be filing a Law Suit against SCS.
I have kept impeccable records ; I currently have admissible evidence to both ; Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act, 15 U.S.C. 1681 ( " FCRA '' ) violations.
I currently have over {$3000.00} in violations.
I will be filing a case in Small Claims Court against SCS on or about XX/XX/XXXX and have retained a local Attorney to argue my case.
Keep in mind this alleged debt is {$100.00} and I have already invested over {$1100.00} to resolve it.
I did find comfort in my Legal Council advising me that if he did n't WIN I did not have to pay him, he claims it is a slam-dunk AND after checking on other similar cases he will be suing for {$10000.00} which is what Small Claims Courts in XXXX Carolina allow.
SCS was also advised that once the case has been filed I will no longer communicate or negotiate with them.
I am reporting this to the Bureau of Consumer Financial Protection as I believe I am duty bound to notify.
THANK YOU!!
Respectively, XXXX XXXX
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| 12/01/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THE COMPANY, SOUTHWEST CREDIT SYSTEMS, L.P., PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.
According to 15 USC 3002, I am a XXXX person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent.
On XXXX XXXX 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' SOUTHWEST CREDIT SYSTEMS, L.P. is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).
According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof of claim against SOUTHWEST CREDIT SYSTEMS, L.P. admitting to getting my information from original creditor of the alleged debt, which constitutes information shared without written consent from me the consumer.
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| 12/16/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I writing because I pull my credit on XX/XX/XXXX found out about this collection from SOUTHWEST CREDIT SYSTEM Account # XXXX Original Creditor : XXXX. I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did not reply to my initial letter SOUTHWEST CREDIT SYSTEM they not only violated federal and state laws, but they have also did not provide a copy of any viable evidence, bearing my signature showing the account is being reported accurately. So, after speaking to FTC about what violation of non-compliance. 1 ) Creditors if they report my credit history inaccurately. The US Court of Appeals XXXX Circuit .No. 00.15946, Nelson vs. Chase Manhattan. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ) .Fine of {$1000.00}. 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). Fine of {$1000.00} 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre.5 ) SWC System and the credit bureaus reinsert this account which was deleted from my credit report without notifying me in writing 5 business days Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal.Nov. 14, 1995 ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. Are I will proceed with legal matter from FCRA Attorney who has already seen major violation on this collection company.
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| 07/14/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have been repeatedly contacted by South West Credit Collections. Every time that I have spoken to South West Credit Collections, I have verified with them that the debt is not mine, the information that they have in their files is incorrect, they have no social security number associated and the address they have The XXXX XXXX XXXX XXXX XXXX CA XXXX is not an address I have ever lived at or been associated with. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt.
In 2015, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints.
I have been repeatedly disputing the South West Credit Collections account. This is not my accounts.
I have spoken to XXXX XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt.
In fact, The information that South West Credit Collections has is inaccurate, South West Credit Collections has confirmed that NO Social Security was used and the address for the alleged account is an address I have never lived at and an address I have never been associated with.
However, that being said, South West Credit Collections reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted South West Credit Collections on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them this is not an address I have ever lived at or been associated with and South West Credit Collections stated that NO Social Security number was given to them or XXXX. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by South West Credit Collections that they would be removing it from their files, which they never did. After speaking to South West Credit Collections on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
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| 01/15/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello Southwest Credit Systems ; XXXX ; I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
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| 12/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX between XXXX XXXX and XXXX XXXX I closed, cancelled, paid in full my XXXX XXXX plan. My wife and I got married in XX/XX/XXXX and instead of having XXXX separate cell phone carriers I decided to close and cancel my service with XXXX XXXX that I had been with for over 15 years. Before I could transfer my phone and phone number to XXXX I had to cancel and close my XXXX XXXX. I called XXXX XXXX customer support while standing in the XXXX wireless store. While on the phone with the customer service associate I explained the situation and what I was going to do. The customer service associate stated we are sorry to see a loyal customer go but we understand your situation. I kindly described to the associate that I was ready and willing to pay any and all debts on my account that evening prior to cancelling my XXXX XXXX service. On a recorded line I was reassured my account was in good standing and was financial current. I expressed my concern that I did not want any surprises in the future and to please carefully review my account once more to make sure I did not owe any money on installment plans or devices. Once again on a recorded line I was assured my account was paid in full and that I owed XXXX money. I stated again on the recorded line Are you sure and yet again I was reassured about my account. I proceeded to close my account while at the XXXX wireless store. From that point I transferred all my contacts and info to XXXX. A few months later I received contact from collection agencies stating I owed {$650.00} to XXXX XXXX. XXXX XXXX had not tried to contact me or reach me at all to discuss this matter. Since then I have been in collections and it is extremely disrespectful to me as the consumer to be dealing with this issue. I have been wrongfully charged for XXXX XXXX problems and It is impacting me negatively on my credit score. Southwest Credit collection is the current collection company that has the bogus contract.
Furthermore, I have a previous complaint on file that was submitted to CFPB on XX/XX/XXXX # XXXX to reference the previous debt collectors responses to this bogus charge which was dropped.
XXXX XXXX needs to be held accountable for their horrible customers service and get off my back for a debt I settled with them when I closed my account
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| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ) 3 ) XXXX XXXX ( XXXX XXXX ) 4 ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ).
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II.
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.
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| 07/25/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This communication is a follow-up in regards to closed complaint XXXX Southwest Credit Systems, L.P.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored.
Southwest Credit Systems, L.P. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Southwest Credit Systems, L.P., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Southwest Credit Systems, L.P., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
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| 06/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Southwest Credit System ( collecting for XXXX ) account # XXXX - states I owe {$380.00}. ( XXXX ) XXXX In XXXX XXXX XXXX I opened a cable account with XXXX for an extended cable package. My husband wanted a sport games Package. We went with XXXX because of this. The games were completely blurred out. We called often. There response was never timely. They had us reset our equipment and it would work for a day or two. T hey sent service people out with no change. We checked Our premier channels and we were having the same problems. After 4 months we took the equipment back, paid what we owed and terminated the contract. We went with XXXX XXXX . That package was as pricey but they did deliver. In XXXX XXXX I discovered a negative reporting on my credit report. In XXXX XXXX XXXX XXXX XXXX reported I owed {$380.00}. I inquired and they sent a bill for {$440.00} In the bill {$240.00} was for early contract termination and the rest was for partial equipment not returned. In addition the bill reported payments paid for the last month we had service. I called XXXX and they said the bill was too old for them to view. They suggested I travel to a payment center to see if they could pull it up. I asked for a supervisor because my work hours did not allow me to go to a payment center and I thought they could order the report or I could FAX my b ill that Southwest se nt and we could discuss. They transferred my call to a unit that resolved issues but the custo mer Rep XXXX said they probably had given us credits for when our service was out and that is all they would say. I could not get them to address anything on my bill, the early contract termination fee or the alleged partial equipment not returned. I did return all equipment. They kept reporting the bill was too old. The issue was that my husband or I complained numerous times about our service. Yes they pro-rated us when we complained. However we did not receive the service we contracted for. After 4 months we terminated the contract. We did n't receive any bills from XXXX , we had n't moved and over 3 years later XXXX reports to the credit bureau for a bill that consists of early termination fees and purported partial equipment return.
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| 02/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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First and foremost as the natural living man born from natural living people I am enforcing my rights as a consumer. Southwest Credit Systems continues to furnish Incorrect and inaccurate information to the consumer reporting agencies. Southwest Credit Systems has sent me documentation violating 15 USC 1692 b saying I owe a debt. Simply put I have never giving Southwest Credit Systems any verbal or written permission. I have not given my consent and by definition without consent it is considered identity theft if a company uses my ssn without my written permission. This company has committed fraud by retrieving my personal information from another company that I did not give permission to. This company is deliberately undermining my personal private information. I dispute and disagree with any allegations I owe Southwest Credit Systems or any other company debt and I am putting Southwest Credit Systems on official notice of their wrongdoing and want to be compensated for their fraudulent actions and violations According to 15 USC 1692b and 15 USC 1692c. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission and the right to furnish Incorrect inaccurate information on my report according to 15 USC 1681 b2.This company has damaged me with its inaccurate reporting and I have been denied such opportunities to obtain a car home and other opportunities for my family due to their negligent inaccurate incorrect reporting. Therefore I demand Southwest Credit Systems to cease and desist and delete their report on my Consumer Report. If Southwest Credit Systems believes I have contracted with them I demand proof showing that I granted their company permission in writing to furnish my information according to 15 USC 1681 b2. As the original creditor and consumer I demand a senior executive of Southwest Credit Systems to provide a notarized affidavit saying I granted their company my written permission contracting with them. If they will not provide that information I want that report to be deleted from my consumer Report and I want to be compensated for their violations of the FDCPA, FCRA and the US codes mentioned above. If they will not comply I will proceed in federal court as well.
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| 09/29/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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TODAYS DATE:XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1991 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
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| 03/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I had to go to XXXX for work and called XXXX XXXX XXXX to cancel my XXXX service on XXXX/XXXX/XXXX. On the call I checked with the representative if I owed any pending payments, and got a confirmation that I do n't have any pending payments as of XXXX/XXXX/XXXX.
Though I was in XXXX, I continued to monitor my Credit Score and credit history and I noticed a sudden drop in my credit score in XXXX XXXX. I pulled my credit report and noticed a collection item for {$36.00} in my report which was a collection attempt made by XXXX XXXX XXXX.
I contacted XXXX Immediately and they confirmed that it was their attempt. A bill was generated on XXXX/XXXX/XXXX for {$36.00} which went to collection. I paid the {$36.00} on the very day I had called them ( XXXX XXXX XXXX ).
I explained to them and later argued that it was no fault of mine since, on XXXX/XXXX/XXXX I was informed that I did not have any pending payment and I did not find the need to check my online account after that ( I usually opt for paperless bill, but not sure in this case ).
I have been their customer for over 5 years and have made an average transaction of over {$1000.00} per year. I am a very responsible customer for not only XXXX XXXX XXXX, but also with any other service provider and deal with everyone with absolute Integrity. {$36.00} is a very insignificant amount for me. I did not miss the payment deliberately.
I returned to USA on XXXX/XXXX/XXXX and have plans to buy auto and home loans, but due to the hit with my credit score, I am being classified as a sub-prime borrower and getting offers with a very high interest rate.
Also, XXXX XXXX XXXX are not owning responsibility for their mistake to this day. They made me go in circles to contact the collections agency ( Southwest Credit System ) who directed me to the Credit Bureau ( XXXX ), who in turn directed me back to the collection agency and finally back again to XXXX XXXX XXXX with no improvement to my situation.
At last, they agreed opened a case with the assurance that nothing good with happen with the case. I mean how can anyone act in such an apathy.
Turns out that this is not an isolated case and many of my friends who were in similar situation felt victim to this modus operandi of XXXX XXXX XXXX.
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| 03/09/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Collection Agency : Southwest Credit Original Lender : XXXX XXXX XXXX XXXX XXXX ) Date Assigned to Collection Agency : XX/XX/XXXX Amount owed {$360.00} ***I have disputed this account with XXXX XXXX XXXX and XXXX previously. All disputes came back as the debt is verified as mine. I have called XXXX. XXXX has no record of me either previously or currently owing any debt to them. On XX/XX/XXXX, I spent over an hour on the phone with XXXX. XXXX shows no record of me owing this to their Roadside, Membership, Insurance department, this was also investigated by a XXXX XXXX who was not able to return any information for this debt. XXXX further says that they do not use Southwest Credit as their collection agency and only uses XXXX for collections, and that this debt must have been sold to Southwest. I requested for XXXX to send/email me this information, that they have no record of me ever owing them. I requested this so that I could send it to the collection agencies to have this debt deleted. XXXX states they would not be able to provide me with a letter stating this. XXXX states they need more information on the debt and suggests that I call XXXX to collect more information and then to call XXXX back with this information so they can research it further. I told the representative at XXXX that it seems they are wanting me to provide proof that I owe this when the burden of proof should be on their company since they are listed as the lender for this debt on my credit reports.
***I called XXXX XXXX XX/XX/XXXX. XXXX says they have no record of any debt assigned to my name and that they do not sell their accounts from XXXX and suggests I call XXXX for this issue.
***I called Southwest Credit on XX/XX/XXXX. Southwest was only able to provide a file number, amount owed and date of delinquency and asked how I would like to pay the amount owed. Southwest states they do not have any further information to provide. The representative also states that XXXX does use Southwest for collections and that he is not sure why XXXX would say they do not use their company. The rep at Southwest then referred me to their XXXX XXXX department where I could leave a voicemail for someone to contact me regarding this debt. I did leave that voicemail.
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| 11/01/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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COMPLAINT TO THE CONSUMER FINANCIAL PROTECTION BUREAU.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, MD XXXX XXXX To Whom It May Concern : Re : XXXX XXXX XXXX : XXXX I would like to bring to your attention an invoice that I received from XXXX XXXX the amount of : XXXX. I called XXXX during the week of XXXX XXXX, XXXX informing them that I am moving to a new apartment on XXXX XXXX, XXXX. I told the Customer Service Representative ( CSR ) that I would like to transfer my XXXX service to my new address but was informed that XXXX at this time does not provide service to my current location. The address where I had service with XXXX was : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX. I informed the rep that I will be moving into my new apartment on XXXX XXXX, XXXX XXXX Please find additional evidence ). And therefore, would like to have my service disconnected. The CSR informed me that XXXX is planning on having services at my apartment building and if I disconnect the service I would have to pay the reinstatement fee all over again. I told the CSR that XXXX does not appear to have a definite date as to when it will be providing service at my apartment building ( To date XXXX is not providing service ). Hence, I requested for them to end my service on XXXX XXXX, XXXX. I called the CSR again to get my final bill, the XXXX subtracted the XXXX and gave me the remaining balance of what I need to pay which I paid via the automated system.
Some weeks ago I started receiving calls from the XXXX collection Department informing me that I have an outstanding bill of XXXX, I told the CSR that I just paid the final bill, the CSR informed me that the credit for XXXX that the CSR submitted was rejected by XXXX because my services was not disconnected until XXXX XXXX, XXXX even when I was calling in weeks before, they have telephone calls, and messages where I spoke with a CSR and evidence showing that I had no service at the time, XXXX choose to ignore all evidence and bill me instead. Yesterday, I received a call from a XXXX XXXX, XXXX has sent the bill to Southwest Credit System, ref # XXXX.
I am therefore, reaching out to the Consumer Financial Protection Bureau for assistance.
Best, XXXX XXXX
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| 10/15/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Todays date : XX/XX/XXXX SOUTHWEST CREDIT SYSTE XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.
The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTE XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX
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| 08/21/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I've received 6 calls this week from SouthWest Credit Systems. Three times XX/XX/2019, I answered on XX/XX/XXXX and told them to stop calling - which I had done the prior month as well but no longer have the dates on my phone. They continued calling XX/XX/XXXX at XX/XX/XXXX. They have been calling me for months about a debt that is several years old. I have told them numerous times to stop calling me yet they persisted. The final straw was yesterday day at XXXX CST - an associate named XXXX was on the line. He immediately wanted me to give him my personal information without answering what the call was about, despite me saying I'm the person who they were asking for. XXXX quickly grew enraged that I wouldn't give him my personal information. I told him to cease and desist the calls. Instead of ending the call he berated me by yelling over and over do you even know what this debt is for? Do you know about your credit? I said cease and desist at least 10 times he continued yelling. I then asked to speak to his supervisor. He continued yelling, had to ask for a supervisor at least 12 times during his rant before he finally put me on hold. His supervisor XXXX XXXX (title: Manager at SW Credit Systems) got on the line and I explained how XXXX harassed me on the call and that I have requested them to stop calling me several times in the past. She assured me they would not call me again but I believe they are using a different number now because now I'm getting calls from a new number. Each time they call they refuse to tell me what this is about and go straight into wanting me to verify my personal information without knowing who is calling me. I refuse to do this with each call due to fraud concerns. I work in collections for a living I know that you never yell at a customer and when they say stop calling you stop. I have also never heard of a business calling someone and demanding personal information before they will even give their business name. The experience was very unprofessional and violates FDIC regulations. I'm a woman and to be screamed at by a strange man over the phone demanding my personal information was very stressful. I told his supervisor to listen to that call because that should never happen.
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| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I had cable T V service with XXXX XXXX XXXX years XXXX XXXX. I was issued 1 cable box and 1 remote.
In XXXX I terminated my service and physically returned all equiptment to an in-person location. And paid my final bill which I believe was {$120.00}.
I never resumed any service nor receive any bills until XXXX.
In XXXX I received a bill I believe from XXXX XXXX demanding XXXX. Although I did not owe money, I paid, in hopes of avoiding this current situation.
In XX/XX/XXXX I received a bill from Southwest Credit Systems demanding {$1100.00} on behalf of XXXX XXXX XXXX.
XXXX XXXX went out of business in XXXX, 9 years ago and now operates as XXXX. I called a representative to explain and request a resolution. She could not verify specific details about the account she said because the account was so old and XXXX XXXX did not release clear verifiable records when XXXX took over.
In the interim this account was also transferred as a collection through XXXX XXXX XXXX which I was able to get dismissed.
XXXX XXXX XXXX is selling accounts to collection agencies with zero regard to how this adversely affects prior customers.
Recap of facts : 1. I had XXXX XXXX XXXX XXXX 2. XXXX paid in full returned all equiptment and never heard from them 3. XXXX XXXX purchases XXXX Cable 4.In XX/XX/XXXXTEN years after I terminated my service, I get a bill for XXXX which I pay, simply to avoid damage to my payment record.When I spoke to the XXXX representative she acknowledged payment.
5.XXXX XXXX 13 years after my final service I get a bill for {$1100.00} This is extortion. I do not owe money and additionally. I had service 13 years ago. XXXX XXXX XXXX can not exhort money from me for an account they could not verify and is 13 years old.
Please help me. I called Southwest credit and they are demanding {$1100.00}.
XXXX says it's they can not verify the records because they do not have full information and the account has been sold. This has been reported to XXXX as well. XXXX removed the charge when the account was sold to XXXX XXXX XXXX.
The statute for negative reporting is 7 years. This is a 13 year old account, which is being sold and resold to various agencies, this can not be legal.
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| 12/03/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX Account # : XXXX Southwest Credit Ref # : XXXX I was a loyal client of XXXX XXXX XXXX for 4 years until my son needed a cell phone. After clearly explaining what services were needed, their representatives advised me to purchase products that did not meet our needs.
Several repeated 2-4 hour phone calls resulted in returns and additional products that did not meet our criteria.
I had to escalate the issue several times since XXXX XXXX XXXX refused to take responsibility for not only the ineptitude and rudeness of their employees but also refused to correct the billing.
In fact, I warned the escalation department they were going to lose a 4 year loyal Client unless they did the right thing by correcting my account several times.
Instead they chose to show me how little my business and loyalty was worth by refusing to admit their mistakes and credit my account.
So I switched to XXXX.
Since I cancelled my account with XXXX XXXX XXXX, I have been waiting for my " final bill '' so XXXX could buy out my contract. I was told by an XXXX XXXX XXXX representative the " final bill '' was in the mail. It never arrived.
Another XXXX XXXX XXXX representative told me I had to log in online however when I did, my account was locked.
Now months letter I am getting phone calls and threatening letters from Southwest Credit demanding money.
I suggest they read the Notes and see how many times I asked XXXX XXXX XXXX to fix their mistakes, that I did not want to switch Carriers but I would if my business was not appreciated.
I can dig through the remains of XXXX XXXX XXXX and get names and dates. Most of it was taken out with the rest of the trash.
I will never do business with XXXX XXXX XXXX again and strongly suggest the President of the company cleans " his '' house.
Since I have had to deal directly with the President 's Office on a different occasion and on the behalf of another abused consumer, I am not holding my breath. Their employees are garbage and they do not care about loyalty or Client retention.
XXXX XXXX XXXX and Southwest Credit ... DO NOT CONTACT ME AGAIN. DO NOT TAKE ADVANTAGE OF YOUR MOST LOYAL CLIENTS AND EXPECT THEM TO STAY.
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| 09/27/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I worked extensively with XXXX XXXX ( Insurance Business Manager, License XXXX ; XXXX ) between XX/XX/XXXX and XX/XX/XXXX to resolve a short rate cancellation fee that XXXX XXXX was trying to charge me for a policy that I cancelled due to bad faith practices on behalf of the insurance company ( false information by an insurance agent to get me to purchase insurance with the company ). I sent a letter to the company on XX/XX/XXXX detailing all of the issues and requesting assistance with settling this and did not receive a response. XXXX along with several other agents and supervisors that I spoke with agreed that the agent 's conduct was unacceptable. XXXX told me he would work to resolve the short rate cancellation fee. He told me there was a round table meeting with management to determine if the request would be approved. XXXX later told me the request was approved and the only fee XXXX would charge me is the membership fee for the period in which I was covered by them, an amount of {$47.00}. I called accounts receivable to process the payment by phone on XX/XX/XXXX and was told the request hadn't been processed and it shows that I still owe the full short rate cancellation fee. I then contacted XXXX again, who assured me it would be handled and to only pay the {$47.00}. I recontacted accounts receivable on XX/XX/XXXX and made the payment of {$47.00}. I repeatedly expressed to XXXX and other agents and supervisors that I did not want this account to go to collections and would pay the fair amount that I owed them of {$47.00}. Given XXXX assured me after paying this amount the account would be resolved, I no longer checked in with XXXX. Approximately one week ago I began to receive daily calls from Southwest Credit Group ( XXXX ; XXXX ). Today, XX/XX/XXXX I called Southwest Credit Group back and determined they were a debt collection company for the debt that XXXX reported to them that I owed. I explained I paid what XXXX told me needed to be paid and requested information on how to dispute the amount owed. The agent refused to give me information on how to dispute. I then attempted to contact XXXX directly via phone and email and received no response.
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| 03/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Southwest Credit Systems continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that Southwest Credit Systems reported this entry to my reports on XX/XX/2020, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. Once I became aware of this negative entry on my credit report, I immediately began disputing. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Southwest Credit Systems. To that end, I sent a letter to Southwest Credit Systems ( see attached ). None of my letters have been returned or undeliverable ; therefore, I know the company received my certified letters. To date, this company has not provided any documentation bearing my signature or proving the validity of the entry they are continuing to report. After numerous attempts seeking validation from Southwest Credit System, only to be ignored and/or proving they are unable to furnish the original terms and conditions agreed to as well as any and all terms and conditions that were enforced after the original terms as per the alleged original creditor, XXXX. Additionally, they did not respond with a summary of all account activities, including all payments made, late charges, interest, date of payments received, date of payment posted, charges made, and date of charges posted. In my correspondence to them I requested copies of all documents sent to me regarding this account ; again they did not oblige. Lastly, they did not prove the statute of limitations had not expired on this alleged debt. It is obvious that Southwest Credit Systems is not able to validate their allegation with documentation ; therefore, in the absence of them responding with any documentation to substantiate the alleged debt with signatures, this entry must be removed from my credit reports immediately. It has been long overdue for them to respond and they've not ; therefore, delete this entry immediately.
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| 05/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is a follow-up to Complaint ID XXXX In the request noted above, the collections company XXXX XXXX removed the dept from my credit history after realizing XXXX sent that in error.
On XXXX XXXX sent the same debt that was initially removed by XXXX to a new creditor called Southwest Credit Systems. We are again disputing this collections attempt as this collection is not accurate. XXXX has no re-attempted to get this same {$110.00} charge sent to collections which has caused by Credit score to drop from the 800 's to the 690 's which is unacceptable. If this happens again we will need to take both the credits or comcast to court. Please see the information below copied from the initial complaint ID : I ended my account with XXXX in XXXX of 2020 and returned my equipment in-store, closing the account and paying the final bill in full. In XXXX of 2020, I contacted XXXX again because I received another bill, and confirmed via phone that the equipment was returned and the account was again confirmed to be closed. At a later time, a debt collector XXXX XXXX XXXX said they were collecting a payment of {$110.00} for the account that was past due. Since I had moved to a new location, I never received any mail notifications or e-mails regarding this instance. I contacted XXXX and they confirmed in my account notes that equipment had been returned and that there was an unjust balance on the account, but they were unable to close the instance with XXXX XXXX since it had been reported already on my credit. I contacted XXXX XXXX, notifying them of the instance with XXXX and informing them that I would submit an XXXX dispute. I submit the XXXX dispute but learned today that the dispute was rejected so I am filing a complaint through the CFPB to get it removed from my collections and credit history. I have attached the XXXX and XX/XX/2020 bills, showing a {$0.00} balance at the start of XXXX and then Service charges for both XXXX and XXXX. I contacted XXXX in XXXX where they said they would fully credit and close the account, but the invoice shows they only provided back partial credits on the instance which resulted in a misbilled balance of around {$110.00}.
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| 07/18/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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SOUTHWEST CREDIT SYSTEMS XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.
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| 06/29/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is about XXXX XXXX XXXX and SW Credit Systems, XXXX 's false allegation that I owe {$66.00} to XXXX, XXXX 's false communication to a debt collection company ( SW Credit Systems, XXXX, TX ) that I owe {$66.00} to XXXX, the resulting negative report that SW Credit Systems made to a credit reporting agency ( which had a negative impact on my credit score ), and SW Credit Systems ' negligent failure to validate that I actually owed anything to XXXX. Here 's the backstory : 1. I opened an internet service account with XXXX in XXXX 2015. The service was to my home at the address listed at the end of this complaint. 2. From that date I timely paid my monthly subscription fee to XXXX by direct debit for about one year, after which XXXX terminated my service for failure to pay an alleged debt of {$66.00}. 3. At some point in between XXXX 2015 and the service termination date, XXXX unilaterally raised my monthly subscription fee. I was unaware of that unilateral action, and XXXX did not obtain my agreement to it. 4. Instead, XXXX continued to accept my monthly direct debit payment for the amount that we had agreed in XXXX 2015. And each month XXXX added to my alleged " debt '' the difference between what I paid and the increased subscription fee. That continued until the unpaid balance of the unpaid " debt '' reached {$66.00}, after which XXXX terminated my service and turned the " debt '' over to SW Credit Systems for collection. 5. After my service termination, I contacted XXXX and learned what had happened ( i.e., the events described above ). I disputed the charge and was told that it would be investigated. I never heard back from XXXX. 6. Instead, I was contacted by SW Credit Systems. I of course refused to pay, and explained to them what had happened. They filed a negative report with a credit bureau about the unpaid " debt, '' and refused to remove it when I contacted them and again explained what had happened. 7. Today I again contacted XXXX and spoke to several customer service representatives, all of whom failed to make any progress in removing the negative report from my credit history.
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| 05/24/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX, this debt for { { {$280.00} } } appeared on my credit report. I have no knowledge of this debt. I have been requesting a signed confirmation with my signature that I opened this account over and over. They only replied to billing printouts. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
They have sent me documentation with service under my name in XXXX, XXXX XXXX and I have never lived in XXXX. but they continue to say that they have verified this information. They have also sent a service worker to my present address in XXXX which I moved into this apartment on XX/XX/XXXX, and he verified that I don't have XXXX when in fact as he found out after checking the wires outside of my apartment that I have XXXX. The service worker then left my apartment with no incident or resolution to what was to happen.
This account was previously with another collection agency and I asked for validation as I have done with Southwest and they had none so they sold it to Southwest. Which I believe it is against policy and law for collection agencies to sell accounts to other collection agencies.
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| 07/16/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEMS Reported : XX/XX/XXXX. I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database.
XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, PA XXXX
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| 08/31/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I would like to dispute the debt associated with a bill from XXXX reference number XXXX.
This bill is related to two XXXX they claimed they did not receive back after I cancelled my contract with them, however, that is false. The XXXX were in fact returned and the enclosed receipts provide proof of this. I have filed many handset research forms with the company to rectify the issue and to have the bill removed. Every request has been denied and they have refused to provide me with an email or mailing address to provide my receipt to.
Additionally, I have also been working directly with the store manager of the facility that I returned the XXXX to. He also recalls that I returned the XXXX and has the same receipt on file. However, he states that he does not have the access to remove a bill. Customer Care claims, the store manager is the only one with access to remove the bill.
I have spent approximately 12 hours over the past 4-6 weeks disputing this directly with XXXX I spoke with the store manager on Sunday, XX/XX/2023, and he personally called the customer care team with me and ultimately, they both agreed this was not my issue but no resolution was provided. Rather, they told me that once I am sent to collections, I should dispute it. This seems completely inappropriate given they are both aware that the bill is not legitimate.
Additionally, upon completing some preliminary research of my own, this is a common issue other XXXX customers have experienced. I believe the company is fraudulently processing handset research forms in an attempt to coerce consumers into paying. I will not accept this financial harassment.
At this time, I would like to request an immediate review of this issue and have the bill removed as it is completely unjust and the numerous XXXX representatives have agreed despite taking no action. I have also taken action with the debt collections agency.
*Please note these images submitted below were taken of the XXXX managers XXXX. Proving not only did I return the XXXX they also have documentation that I have returned them. Yet, they are falsely charging me for them.
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| 08/07/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT SOUTHWEST CREDIT SYSTEM Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT Reported : XX/XX/XXXX. I have reported your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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TODAYS DATE : XX/XX/XXXX ATTENTION DISPUTE DEPARTMENT Southwest Credit Systems Reported : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SOUTHWEST CREDIT SYSTEM Reported : XX/XX/XXXXI have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company. Stop collection proceedings against me and remove my information from your database. SOC SEC # XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX nj XXXX
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| 01/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I responded to a promotional offer from XXXX and opened a XXXX cellular account on XX/XX/XXXX, which represented four lines and two new phones purchased from XXXX. The sales representative assured me that I had a 14-day free trial period within which I could cancel service, return the two phones, and owe nothing.
The service proved unsatisfactory so I cancelled my account on XX/XX/XXXX and returned the phones to XXXX, within the 14-day trial period. XXXX emailed a cancellation confirmation, copy enclosed.
Four days later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$2200.00}. One month later on XX/XX/XXXX, XXXX emailed the enclosed bill for {$310.00}, followed by a paper copy. Obviously, neither the first nor the second bill was correct nor justified under the terms of the free trial. Upon cancellation of my account, XXXX blocked access to my account so billing details were unavailable to me. Billing details were evidently unavailable to XXXX representatives as well since multiple phone calls to XXXX representatives were unsuccessful in providing details of the charges.
I mailed XXXX the enclosed letter, dated XX/XX/XXXX, which detailed the facts surrounding the disputed charges, and never received a response. I mailed XXXX a second letter dated XX/XX/XXXX ( copy enclosed ) and never received a response to this letter as well.
In XX/XX/XXXX, I received a collection notice from XXXX XXXX XXXX regarding the {$310.00}. I mailed the enclosed letter, dated XX/XX/XXXX, and received no response.
In XX/XX/XXXX, I received a collection notice from XXXX XXXX, mailed them the enclosed letter dated XX/XX/XXXX, and never received a response.
Finally, after recently viewing my credit report, I saw that a third collection agency, Southwest Credit Systems, has been retained by XXXX. I phoned them XX/XX/XXXX and was told to provide them with copies of my previous correspondence so they could contact XXXX for further instructions ( copy of my letter enclosed ).
Given XXXX 's continued abysmal performance in this matter, I will not be surprised if nothing comes of Southwest 's request.
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear CFPB, IRS, XXXX, XXXX, XXXX XXXX, SOUTHWEST CREDIT SYSTEMS I am writing to demand the deletion/removal of an unlawful and inaccurate report on my consumer report. SOUTHWEST CREDIT SYSTEMS has unlawfully given my nonpublic personal information, personally identifiable information, financial information without my consent to a third party. This is clearly stated in the Fair Credit Reporting Act in section 604 ( B ). I have not given consent, written instruction or permissible purpose for this to be reported, shared or sold. This is also a breach of the arbitration agreement. Furthermore SOUTHWEST CREDIT SYSTEMS has harassed me constantly even after me telling them they legally need to cease and desist. These are all violations of the FDCPA, FCRA, XXXX, XXXX, this is also fraud identity theft, harassment. I demand the account be removed by all credit reporting agencies and the XXXX XXXX. In addition to the deletion of the account and rapid rescore I expect my privacy right to be respected and I expect all parties to act in accord with the law. Including all applicable tax law. This illegal, unlawful and inaccurate reporting is damaging my credit worthiness and if it continues I will be forced to alert the SEC, FTC, IRS and every applicable legal entity to resolve this matter. There are also several violations of state law. Rather than pursue all of these in court, I simply demand the item be removed in accordance with the law. Then all parties are made whole. Any further communication that doesn't involve removing the account will be considered a failure to cure. This is a notice to all parties involved that any further non compliance will be considered willful. Please be advised that this is my request asking you to remove the unverified account on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report as well. I demand that you remove the account from my credit report immediately. If you do not comply with this demand within 30 days, I will be forced to take legal action.
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| 06/26/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a notice from XXXX on XX/XX/XXXX that I had a new collection account. The account is shown as Southwest Credit Systems ( SWCS ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX - XXXX. The collection company is collecting a debt from XXXX cable company. The original debt with XXXX was first shown as delinquent XXXX XXXX and the account was closed on XX/XX/XXXX by XXXX.
The collection account is showing on XXXX as a Date Opened XX/XX/XXXX with no information of a first delinquency date or any other information that shows this account is a collection account from XX/XX/XXXX. The only indication that this might be an older account is that the On Record until date shows XXXX XXXX.
I called SWCS and the collection company verified the dates of first delinquency as XX/XX/XXXX and the closed/charge off date of XX/XX/XXXX. I asked them to update the open date the the correct date and or report the date of first delinquency date as XX/XX/XXXX so the account doesn't show as a new delinquent account. The representative stated they would not. SWCS representative stated that open date is the date they first started to collect the account and they do not have to report any other information on the original delinquency. This company is re-aging the collection account to make it appear this is a new collection account.
I disputed the account with XXXX and told the representative that SWCS is showing an open date as brand new collection, not reporting information showing this is a 5 year old collection account. The XXXX dispute came back as verified and no information was changed. This is illegal credit re-aging.
Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
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| 12/13/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Per the FCRA, as a federally protected consumer.
SouthWest Credit Systems is furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.
Their inaccurate reporting has damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS The IRS Clearly defines a charge-off as considered a certificate of indebtedness as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes their reporting of this account inaccurate!
By Definition The IRS and CFR Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says SouthWest Credit Systems is a furnisher of information to a consumer reporting agency.
XXXX XXXX XXXX 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 that the information is inaccurate.
In conclusion, I have shown them and I have put them on notice that they are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of their responsibilities as a furnisher of information.
Tracking Number : XXXX XXXX XXXX XXXX XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX
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| 06/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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SOUTHWEST CREDIT SYSTEMS , L.P .
XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX To : The Office of Registered Agent for SOUTHWEST CREDIT SYSTEMS , L.P .
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages.
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you!
I swear under penalty of perjury that all of the above mentioned information is true and accurate.
By : XXXX XXXX XXXX
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| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Name : Southwest Credit Amount : {$1200.00} Original Creditor : XXXX XXXX For the month of XXXX ( XX/XX/XXXX ), a total of {$1000.00} was paid to XXXX XXXX. This amount included all payment that was due for rent and utilities, and it was paid on time. My wife and I then paid rent/utilities for XXXX ( XX/XX/XXXX) on time as we gathered and submitted our proof of payment for the month of XX/XX/XXXX. XX/XX/XXXX was the end of our lease at XXXX XXXX and we have a signed copy of our " Notice to Vacate ''. After leaving XXXX XXXX we were sent a " Security Deposit Transmittal '', which stated the " unpaid rent '' and fees we were responsible for being a total of {$2600.00}. This amount included {$50.00} for keys ( which I had returned through the drop box in an envelope with our name and apartment number as requested ), {$180.00} for cleaning fees ( which our apartment was left cleaner than it was when we moved in ), and {$2400.00} for unpaid rent ( I am assuming that the amount must include fees as well ). Also, it states that we did not have a security deposit, however I have proof that we " purchased '' Security Bond Coverage of {$1200.00} through XXXX for {$210.00} before we signed our lease. Since receiving the notice from XXXX XXXX in XXXX ( XX/XX/XXXX ), I attempted to contact management multiple times by phone and email. I ordered copies of the money orders from XXXX XXXX and submitted those copies as requested. Without ever being notified that my charges were being sent to collections, I began receiving statements from XXXX XXXX XXXX and Southwest Credit. It has now almost been 2 full years that I have been disputing this debt with XXXX XXXX. My wife and I have not been able to rent through other communities due to our " bad rental history '', and it has been a burden for my growing family, especially since my job loss and our inability to move into cheaper housing. Nothing has been done to correct this situation, and we are being punished due to the mistakes made by others. I am currently seeking legal assistance with the matter if it is not resolved otherwise.
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| 02/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am disputing information being listed on my credit report. I spoke with XXXX at XXXX XXXX XXXX XXXX about an account being listed as my insurance company collected the money from my HSA account and paid the hospital directly. I spoke to someone about the account with southwest Collection and informed them that my Insurance company has been contacted and will pay the facility directly. They listed it on my credit report stating I owed them for the medial bill in which I did not OWE them I had my insurance company create and pay the bill through their medical system.
I then seen the information listed on my credit as " Unpaid " and now " Paid " 1. I did not pay Southwest collections company .My insurance handled the billing.
2. I informed them that I did not owe them and they need to stop reporting as it is illegal to report false information on my credit report.
3. They should NOT own this debt as when I emailed XXXX at XXXX XXXX XXXX XXXX she indicated that she will be having someone reach out to the collector and tell them they can't collect or own the debt any longer.
I sent several emails to the collections agency in which they responded to none of my emails or letters sent. I also copied them in on the letters I sent to XXXX XXXX indicated the account will be recalled from their agency. I again di not pay them so I want this collection off my record. My insurance took care of the money in which I communicated with them and XXXX from the beginning. That XXXX must have miss communications and when they finally settled it they should not be reporting. If you say I owed you money send me a signed contract I have with this collection firm if not REMOVE THE CREDIT LINE FROM MY ACCOUNT. send me a SIGNED contract with my name on it. I am also sending a verification letter to the CB as well for documentation on this account and to see what all is being listed. I will not let people damage my credit reputation due to miscommunication from companies in which I clearly indicated I did not owe any thing to and a contract can not be provided according to the FCRA 611
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| 09/08/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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I cancelled XXXX account in XXXX of XXXX but one line was not cancelled until XXXX for nonpayment according to a representative. I have yet to see a final bill stating this. When I called to cancel it was to cancel the full account and asked to pay all remaining balances which the associate stated was {$210.00}. This was to cover service and any equipment charges which I made sure to request what my full total bill would be.
I have called XXXX and numerous collections agency to produce information on this account including bills and equipment charges- none have sent any bill to my current address which I have confirmed numerous times. I have also sent correspondence to their corporate office with no bills produced either.
Another call on XX/XX/XXXX to dispute the charges. Representative said a form would be submitted in regards to dispute but said a dispute has already been processed. A woar form was already submitted. When a collection agency calls, i dispute it because i have not seen a bill. However the dispute gets processed internally with XXXX and gets rejected because they claim the charges are valid- yet I keep getting completely different information every time I call about what these charges are about.
Reading off notes, not a bill, the associate assured me the amount was due to XXXX insurance charges, equipment charges and late fees. Previous conversations stated it was due to me owing on one line of service cancelled in XXXX, not in XXXX when it was requested. They claimed to have sent a final bill to a previous address., but I never recieved it. This was also the first time I was told I could have gone into a store to get my bills 6 months prior printed. I would have done that prior if this was made known tome.
At this point, this has affected my credit score and I have yet to see a bill. There are numerous records XXXX has of me attempting to settle this however due to their lack of consistency and not being able to produce records, I will not pay based on what they say as they have proven to lie multiple times about what is being owed on.
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| 05/21/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 02/22/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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To Whom It May Concern, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( XXXX ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( XXXX ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( XXXX ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( XXXX ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( XXXX ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( XXXX ) Communicating with a consumer regarding a debt by post card.
( XXXX ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My services were cancelled at XXXX XXXX XXXX XXXX # XXXX XXXX CO XXXX on XX/XX/XXXX. I requested a final bill be sent to me. XXXX never sent a final bill and they abruptly place a negative collection mark on my credit reports with XXXX XXXX and XXXX. That has seriously damaged my credit and is in direct violation of FDCPA laws. Furthermore it appears my account may have been transferred again to another collection agency who i have never heard of. ( Southwest Credit ). That is a double FDCPA violation because not only didnt XXXX not send me a final bill and damage my credit, Southwest Credit never contacted me in anyway to send me any collection notice and took away my right to dispute. I am asking for XXXX and its collection agency to immediately remove any reporting to the 3 major credit bureaus and send me a final bill. The amount showing on credit reports is {$210.00}. Online account shows a different amount and there are no bills available to view online so there is no valid proof of debt available to me. I am unable to view any bills online and last bill i received was XX/XX/XXXX. In addition I spoke to XXXX XXXX with Southwest Credit on XX/XX/XXXX to advise my concerns with them damaging my credit by placing this alleged debt on my 3 credit reports. I also indicated to Mr. XXXX my intention to file my complaints to the proper agencies and I would not make any payment without their removing the erroneous negative trade lines on my credit reports AND send me proof of debt to include the accounting on how the alleged balance was calculated. I previously open complaints against XXXX / XXXX in which they never answered to and Mr. XXXX revealed that XXXX noted the account instructing to continue collection efforts even though they ignored to answer to the official complaint and to provide me with final bill breakdown. This is a violation of my rights to dispute a debt.
DEBT. SOUTHWEST CREDIT XXXX XXXX XXXX XXXX TX XXXX Reference /Account number with Southwest Credit XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Account XXXX XXXX XXXX XXXX
|
| 12/03/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
|
| 08/21/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness.
SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity.
Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data.
Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully.
If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report.
Want to take it offline? You can print the Request for Investigation form and mail it to the address below.
If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX.
Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
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| 11/11/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I hope this letter finds you well. I am writing to formally dispute the presence of a debt on my credit report, which has been reported by a third-party collection agency listed on my report. I would like to clarify that I do not have any contractual agreement with the said collection agency, and therefore, I am not responsible for the alleged debt they are attempting to collect.
It is my understanding that the collection agency acquired this debt for a significantly reduced amount, often referred to as " pennies on the dollar. '' In doing so, they assumed the risk associated with the lack of a signed contract from me, the consumer. I believe it is unjust that I am being penalized for a debt that I do not owe, and it is negatively impacting my creditworthiness.
I kindly request that you investigate this matter thoroughly and remove the disputed item from my credit report. As per the Fair Credit Reporting Act ( FCRA ), it is your obligation to ensure the accuracy of the information you report. In this case, the inclusion of the alleged debt is inaccurate and misleading, as I have never entered into any contractual agreement with the collection agency.
Furthermore, I have taken the liberty of cc'ing the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) to assist in the resolution of this matter. I have been struggling with this issue since 2017, and despite my efforts, I have not been able to find a satisfactory solution. The negative impact caused by this inaccurate information being reported on my credit report is affecting my financial opportunities and overall well-being.
I urge you to take prompt action in investigating this dispute and rectifying the inaccuracies on my credit report. I expect to receive a written response from your office within the legally mandated XXXX period, informing me of the actions taken to address this matter.
Thank you for your attention to this dispute. I trust that you will handle this matter with the utmost professionalism and urgency it deserves.
Sincerely,
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| 12/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
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Upon applying for mortgage credit, I became aware that my credit score was about 100 points lower than the credit monitoring at popular credit cards and monitoring services has been showing me. I was turned away from the mortgage.
I asked to receive a copy of my credit report. On the credit report, there was an adverse summary from " SW CRDT SYS '' for {$92.00} from an original " creditor '' of XXXX. This organization apparently opened the line on XX/XX/2020 and reported delinquent on XXXX2020, according to my credit report.
I called " SW CRDT SYS '' immediately to understand. They shared that they had called my phone number, though they have a policy to not leave a message and did not send any written communication to me, or attempt to do so. As a result, I had no ability to know that I had an outstanding " debt '' owed to them, how to validate it, or how to communicate with the original " creditor ''. They shared that during their " validation period '' of 30 days, if I were to pay the {$92.00} then they would not report to the credit bureaus. However, I could not have paid because perhaps I missed a phone call from an unknown number that did not leave a message. If I were to pay {$92.00} to every missed call on my phone in 2020 ( amid the election spam season and every other phone call ), I would be broke!
I offered to pay the debt in full to make it go away, but they said they have no policy to request deleting the record from the credit bureaus. Because of that, there is no possible manner for me ~100 point credit score to be repaired as if they had appropriately contacted me in the month following XXXX/XXXX/2020.
I find this practice to be deceptive and abusive. There was no possible way for me to validate, communicate and pay off the debt in a timely manner without affecting my credit score. And now that I proactively obtained my credit report, proactively called the debt collector and proactively offered full payment if they deleted the record, I still have no way of repairing my credit from their abusive practice.
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am writing this letter to open a claim in regards to Southwest Credit Inc. I have initially received a letter regarding an alleged debt from this company in XXXX XXXX XXXX. I responded in XXXX and XXXX via Certified Receipt Return Request letter to dispute to alleged debt. Under the the FCRA as a furnisher of information said information that is reported in my credit file should be accurate and without malice to destroy my financial wellness. I asked for Southwest as a furnisher of data produce a contact pursuant to the FCRA. Under the FDCPA this company has failed upon multiple attempts to provide information within a timely matter, just submitting copies of a bill of phone numbers that do not belong to me really question the validity of this debt. Especially since I am a XXXX customer during the time of the statements with a different phone number and I remain a customer with XXXX since XXXX. This account is frivolous and I demand information of this account because I have had a valid account with this company and continue to have an open active account. Why would XXXX allow me to have a duplicate account? I am looking forward to Southwest producing items other then a billing statement to prove that the account is mine. The validity according to the FDCPA is disputed as the amount of debt and the original creditor with address is not provide/within the statement submitted to me on XXXX.
809. Validation of debts
(a) Notice of debt; contents
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt
collector shall, unless the following information is contained
in the initial communication or the consumer has paid the
debt, send the consumer a written notice containing
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Please send the following information used to validate the validity of the invalidated items below SOUTH WEST CREDIT SYSTEMS Account Number : Collections {$490.00} Please remove it from my credit report.
Items Highly Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.
5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX
Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor.
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from.
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor.
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe.
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt.
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Proof that this debt has not been written off as a tax liability.
Any other intimate knowledge of the creation of the debt by you, the collection agency.
|
| 02/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received a letter from this debt collection company attempting to collect on a debt I do not owe.
They claim to be collection on behalf of the XXXX but I have never had any accounts with the XXXX. Since I registered my car in Texas I have had a XXXX XXXX ( their competitor ) and have been in good standing with them the entire time my car has been registered.
The license plate they have listed on the collection letter is not mine and they can't even spell my name correctly.
I requested they validated the debt in accordance with the FDCPA and a few days later I received their " validation '' which raises more issues than their original letter.
The statements from the XXXX they provided have different amounts than they claimed I owed in their initial letter.
The address listed on the statements is not mine nor the address where they sent the initial letter.
Once again the license plate listed is not mine.
It is quite clear to me the ignored my initial response when I stated the license plate number listed on their bogus letter is not mine since their " validation '' shows the same plate number.
At first I thought these errors were just mistakes but it is now obvious they are using deceptive collection practices in order to scam me out of money. This is a rather egregious violation of UDAAP and FDCPA.
If they are doing it to me they are surely doing it to others.
How much money have they made by sending fake collection letters without bothering to do some basic due diligence?
The questions they need to answer are : 1.What steps did they take to confirm the information before violating my rights?
2. Why are the amounts listed on their " validation '' different than their original letter? did they add extra fees before validating the charges in violation of FDCPA?
3. With me advising them in my response and request for validation that the license plate listed is not mine why did their " validation '' list the same plate number?
4. How do they plan on compensating me for violating my rights?
|
| 03/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX | DOB : XX/XX/XXXX XXXX XXXX XXXX. XXXX # XXXX XXXX, PA. XXXX Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
Name of Account Account Number Provide Physical Verification 1.
XXXX XXXX XXXX XXXX Unverified Account 2.
SOUTHWEST CREDIT SYSTEMS XXXX**** Unverified Account 3.
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX Unverified Account 4.
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Unverified Account Thank You, XXXX XXXX XXXX
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Hello, My name is XXXX XXXX XXXX and I've got a notification from XXXX saying that I have a collection item on XX/XX/2022 so I contacted a collection company called " SOUTHWEST CREDIT SYSTEMS '' immediatelyto determine what's going on.
When I called them, They didn't supply me enough aboutandkeep telling me that XXXX like to pay and what type of payment am I paying so I told that person that I want to know what kind of collection that I have and They told me you have unpaid account from XXXX so I told them I never had a XXXX XXXX before and they told me maybe a XXXX Account which I never had a XXXX account in my XXXX but they seemed don't care about my situation and even threatened that If i don't pay they are going to keep updating my credit.
I would like to make a statement with my collection item from SOUTHWEST CREDIT SYSTEMS which is I strongly believe that this information is inaccurate. I've been using cell phone service from XXXX XXXX XXXX over XXXX years and I never had service with XXXX or XXXX. So I called XXXX and XXXX and now they are merging so I spoke to XXXX XXXX and XXXX as well on XX/XX/2022 but they found informationbased on my social security number which is associated with a WRONG NAME.
My Legal name is XXXX XXXX XXXX but it was associated with XXXX XXXX which is wrong information totally on theirsystem. Also XXXX XXXX willing to conference call with SOUTHWEST CREDIT SYSTEMS to verify that the information this company has is wrong and not affiliatewith mine but they said they don't want to conference call with XXXX agent and she hungup on me while me and XXXX agent was on the line and waiting.
I strongly believe that this information is incorrect and I am requesting to start an investigation more deeply so that I will not be a victim of identity theft or misleading information. AlsoI have attached my Driver 's License front and rear and I am living in this address more than XXXX XXXX XXXX If anything is related to a different address it's possibly affiliated with Identity theft.
|
| 10/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them.
Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA.
This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in.
|
| 06/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
While I was in XXXX, I ordered cable and Internet services with XXXX ( XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I received XXXX XXXX and transferred to my new XXXX XXXX at XXXX XXXX VA since I work for the XXXX XXXX XXXX as an XXXX XXXX. I requested from XXXX for the Services to be transferred from XXXX to XXXX VA. The customer service representative advised me to keep the equipment until I moved to my new residence. After moving, I called to setup service at my new residence in XXXX VA but quickly discovered that XXXX doesnt service the area. So I had to cancel the service and returned all of the equipment. The XXXX representative confirmed that services couldnt be offered at my new residence and informed me that the early termination fee would be waived on my final bill. After receiving the final bill, I paid everything but the {$250.00} early termination fee that was supposed to have been credited. XXXX applied my payment to the early termination fee on the final bill instead of the amount owed for cable and internet services at previous residence in XXXX during last part of the billing cycle in XX/XX/XXXX. Then to add insult to injury, XXXX referred my account to a debt collection agency SW Credit Systems LP even though the account was in fact paid in full. SW Credit Systems LP has been calling me day and night to collect for a debt that I dont even owe and to make matters worse, they reported the bogus debt to the three credit reporting agencies which caused my security clearance with the XXXX XXXX XXXX to be suspended. Ive called XXXX numerous times and I was told that they would contact SW Credit Systems LP to resolve the matter and get them to remove the derogatory mark on my credit report so that my security clearance can be restored. Ive also requested from SW Credit Systems LP to remove the unjustified derogatory mark from my credit report and each time they refused. In the meantime, I can not work my normal job without a security clearance. Ive sustained damages well over {$10000.00}.
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX XXXX I called and asked XXXX XXXX to please transfer and disconnect service from XXXX apartment XXXX building to the a new apartment XXXX as of XXXX XXXX XXXX. XXXX transferred as requested but did not terminate the service for apartment XXXX. XXXX assigned me with a new account number without letting me know that when you transfer apartments you will be given a new account number. I was receiving XXXX bills for XXXX for the old apartment and the new apartment. I continued to pay the old bill online and not the new bill. I received a disconnect notice end of XXXX. I spoke with XXXX in XXXX XXXX XXXX and was told that it was there fault that they did not properly disconnect the old service. I made an overpayment over {$230.00} to the old bill and that they will discontinue service at the old apartment and credit the new account. They stated they were very sorry for the miscommunication. I received a letter from XXXX XXXX XXXX dated XXXX XXXX, XXXX on XXXX XXXX, XXXX stating I owed on the old account {$90.00}. I immediately contacted XXXX on XXXX XXXX, XXXX and spoke with XXXX. He said yes that they did not clear the bill and it was there mistake and he would get that handled. XXXX gave me his number at XXXX and stated to call tomorrow to confirm it had been taken care of. I called XXXX XXXX XXXX on XXXX XXXX, XXXX at XXXX immediately and spoke with XXXX and she stated she will note the account. On XXXX/XXXX/XXXX at XXXX another debt collector - XXXX stating that I owed {$90.00} to XXXX and that how would I like to handle the debt. I never received a bill from the new debt collector and only received a call. I said I have spoken to people many times to get this cleared up. The debt collector got nasty with me and stated this is the first time I got this account and I said well it is illegal to collect on a debt that is false and I have handled this. XXXX continued to raise her voice and yell at me. I said do not contact me again and I will contact CFPB for illegally collecting on a debt.
|
| 02/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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A collection was placed on my credit report from Southwest Credit System for {$190.00} on XX/XX/XXXX.
I called the number listed on my credit report on XX/XX/XXXX. The representative states this is a XXXX account closed on XX/XX/XXXX which was placed with them from XXXX. I have not had a XXXX account. I never received any correspondence, contact, or NOTICE OF DEBT or DEBT VALIDATION from Southwest Credit System. This is inaccurate and definitely a violation of FDCPA since I never received any notice or anything to dispute the validity of this account place on my credit report. By law I have 30 days to request validation of this account once it has been assigned to an agency. Not only is this not my account, but Southwest Credit System violated FDCPA as well.
Section 809 Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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I sent Southwest Credit Systems , LP XXXX XXXXXXXX XXXX a Cease & Desist letter via certified mailed on XX/XX/XXXX, because they are inaccurately reporting a debt that I do not owe them. My letter was received by XXXX XXXX at XXXXXXXX XXXX on XX/XX/XXXX. They failed to send me : 1. Validation of the debt - that is, the actual accounting whereby your company has incurred a loss on the alleged debt.
2. Proof of the existence of an account or contract, in the actual flesh and blood name, XXXX XXXX, duly signed and witnessed by both parties, not a unilateral agreement, and upon which signed page, there is a reference to the entire agreement.
3. Verification of the claim against me ; that is, a signed invoice.
4. A copy of the contract binding both parties ( SOUTHWEST CREDIT SYSTEMS , LP and myself ), in a letter by certified mail so that there is an independent witness to it having been delivered.
5. Proof of claim that there is any lawful money in circulation backed by anything of value.
In which they never responded with the information I requested, instead their response was sending me 5 XXXX statements . According to the FTC dated XX/XX/XXXX from Attorney XXXX XXXX XXXX Division of Credit Practices, the Fair Debt Collection Practices Act requires that the debt collector obtain verification of the debt and mail it to the consumer. Mere itemization of what the debt collector already has does not accomplish this purpose. As stated above, the statue requires the debt collector, not the creditor, to mail the verification to the consumer.
15 USC 1681s-2 ( a ) ( XXXX ) ( B ) ( XXXX ) A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
As seen in UNITED STATES OF AMERICA, XXXX XXXX XXXX XXXX, XXXX, a limited partnership, Case XXXX XXXX
|
| 10/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello, I am having issues with a collection agency called Southwest Credit Systems ( SCS ) based out of XXXX, TX.
In XX/XX/XXXX, I filed a complaint with the XXXX XXXX Case # XXXX, because based on the dates this debt was first reported XX/XX/XXXX they reported me to the credit bureaus first, then based on the date on the collection letter XX/XX/XXXX notified me afterwards.
( see attachment ) I disputed it and requested validation of this debt on XX/XX/XXXX ( see attachment ) and after filing the complaint with the XXXX on XX/XX/XXXX SCS promptly deleted their collection from my report.
Fast forward two years, this past XXXX, SCS once again reported me to the credit bureaus, so I filed another complaint with the XXXX on XX/XX/XXXXXXXX XXXX Case # XXXX, ( see attachment ) only this time they continued to refuse to validate the debt and delete the collection on my credit report.
FYI, both the collector and their client were unable to provide any proof of their allegations against me.
I also filed a complaint with the Texas Attorney General, complaint # XXXX and I am currently waiting for a response from them.
I even spoke to several attorneys who say I have a case and that I can sue them, but they want between {$2500.00} and {$3000.00} in retainer fees.
Also, based on hundreds of complaints this company has a habit of operating in this manner and of brushing off requests for validation of the debt by ordering customers to file an affidavit of fraud, which is not only inconvenience, but a laborious and time consuming hassle and something I am not obligated to do, because ultimately the burden of proof lies on them, not I.
What's more, I am entitled to be notified of this debt in writing and to have an opportunity to dispute and request validation of this debt within a 30 day period.
I was not afforded these rights, because they simply reported a debt that they have been unable to verify and that had already been deleted two years ago again.
Thank you, XXXX
|
| 01/25/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS , L.P .
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SOUTHWEST CREDIT SYSTEMS, L.P. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYSTEMS, L.P.any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
|
| 03/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I had a service with XXXX from XXXX to XXXX. I close everything down, returned the equipment and paid off what they told me what I owe and what was on the bill and that was it. I never heard anything from them until XXXX when I saw that they were on my credit report. They never sent me any notice ( s ) or anything for over 2 yrs. I started cleaning up my credit report in XXXX to my buy my home and I took care of everybody that was on my report and they were not there. In XXXX of XXXX, I moved and I was just checking my credit report in XXXX I saw Southwest collection for XXXX and called them and ask them what this was about and they said that I owed XXXX {$120.00} from XXXX. I told them that I paid what I owed and they said I did n't. I asked to show proof, they could n't, they said they would have to go into records to find the bill. They ask to send it to me and I gave them my current address and sent me a bill. I looked in my old bank account where I paid off XXXX with the last payment of {$30.00}. Also I see on the bill that they charged me for service XXXX and XXXX when I shut it off in XXXX. I told them that I paid everything, but they insist on saying that I owe them. I 've sent 2 disputes, one to XXXX ( they did nothing and are now re- investigating XXXX and XXXX just got rid of it because they 're in violation of fair credit reporting by not XXXX notifying me of the debt XXXX trying to collect on a debt that is over 2 yrs old and 3. putting it on my report without giving any kind of notice. I just recently talked with Southwest ( because they keep calling here ) and told them they were in violation and the guy said they could do whatever they wanted to do. Also they said they sent a notice in XXXX to an address that I live at in XXXX Please fix this and have them dismiss the debt and remove it from my report. Thanks P.S. I have bank statements showing what I paid, but having problems getting them. ( it is almost 3yrs ago ) I can get them if necessary.
|
| 03/04/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am writing to dispute the following information that appears on my credit consumer report. I received a notification from my Credit Card Company this morning that a past due payment was sent to a debt collection agency. The payment was originally owed to XXXX ( XXXX ). When I was a customer with XXXX I had automatic monthly payments set up and canceled my subscription after XXXX years. I was under the impression that the remaining balance would be automatically charged to my credit card on file, as it had been for XXXX years. It is not clear to me if XXXX did not attempt to charge my card or if they had difficulties charging my card. I did not receive any notification ( e.g., email, voicemail, text message, etc. ) from XXXX letting me know there was an issue with my account.
XXXX sent this debt to a debt collection agency ( Southwest Credit ). I was unaware of this until I got a notification from my credit card company letting me that my credit score was impacted. I checked my records and I have only one missed call ( no message was left ) from this agency on XX/XX/2022. I reviewed my cell phone records and do not have any additional calls from this company. Further, I did not receive any other communications from this Southwest Credit ( e.g., email, voicemail, text message, letter in the mail ). Southwest Credit claims they sent a letter in the mail, but I never received any written communication, and they were unable to provide proof of delivery.
To summarize, I was unaware that this payment was not properly processed when I cancelled my XXXX account. XXXX and Southwest Credit also did not make adequate attempts to contact me to resolve the issue. Since becoming aware of this issue, I made a full payment ( {$51.00} ) directly to XXXX. I would like to dispute the Major Derogatory Status on my credit score. I have tried to resolve this issue with the Debt Collection Agency, who refused to provide help on my case.
Thank you for your assistance.
|
| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company previously removed this account from my credit report. About a week ago THEY PUT IT BACK ON. They continue to try to collect a debt that is not owed. 2 years ago I tried XXXX for cellular service. The service left a lot to be desired and every month my bill would creep up. XXXX day I contacted XXXX to find out why my bill was continuing to get higher and how I would go about canceling my service. I was told by the representative that I would have to send in a letter canceling my service. Well guess what I guess the rep got annoyed with me because 15 minutes later my service was disconnected. No warning nothing. Phone was disconnected so I was without a phone for several days.
Then all of a sudden XXXX is telling me that I owe them {$500.00} for an early termination fee? How is that when XXXX was the one who broke the contract when the summarily turned off my phones for questioning their business practices. I filed a complaint with the XXXX and in response I received a phone call from a very rude women at corporate.
I was told by their CORPORATE that if I returned the phones they would waive the early termination fee. I was even provided with shipping labels to return the phones. So I returned the phones ( by the way they were older model phones and refurbished so we are n't talking top of the line phones here ). I hear nothing again from XXXX and I figured they received their phones back. Fast forward ... .I begin getting letters from this Southwest Credit stating I still owe XXXX {$510.00} for " early termination fees '' A. XXXX turned off the service NOT ME and XXXX the phones were RETURNED. Somehow this company or XXXX can not do their jobs properly and are harassing me and ruining my credit for no reason other than they are incompetent.
I am a single mother and a XXXX veteran and am trying to move to a better paying job but will be unable to secure housing for myself and my XXXX XXXX XXXX son because of this incompetence.
|
| 12/05/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
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SOUTHWEST CREDIT XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SOUTHWEST CREDIT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SOUTHWEST CREDIT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
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| 02/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXX XXXX .... Balance {$61000.00} - Data furnisher is in Violation of FCBA 15 US Code sS 1666 " Adverse action '' never notified me about putting any negative information on my credit report or reason why?. The " Account Specifics '' " dates for payments '' and dollar amounts are all inconsistent. This negligence by the Data Furnisher has led to " Billing Errors '' on the " Payment Grid '' and Please remove from my credit reports consistency with amounts along with erroneous and inaccurate information between all 3 bureaus. These are violations of Eoscar and Metro2 protocol for the " carbon copy rule '' for all data furnishers to be in compliance. This was done to avoid the reporting of erroneous and inaccurate information between all 3 credit bureaus and the data furnisher is in violation. Please correct and update.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$520.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX .... Balance {$9600.00} - What method of verification did you use because you are still reporting inaccurate information, no documentation has been provided to me, nor has the status been updated? This account is a violation please delete Immediately.
SOUTHWEST CREDIT SYSTEMS XXXX Balance {$670.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately.
XXXX XXXX .... Balance {$1900.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately.
|
| 10/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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XX/XX/XXXX, I had a cable account with XXXX. My brother moved in and switched everything over to his name. On XX/XX/XXXX, I paid the outstanding balance left in my name. I remember this clearly because the cable man had to come out to fix a problem and my mother was leaving for Hawaii the next day. At any rate, There was an altercation on XX/XX/XXXX and I was forced to move out quickly. XXXX did put a collection account on my credit but solely for the equipment. I called them and explained the equipment stayed in the home when I left. They made note of this and deleted this item from my credit. As I have experience identity theft and major fraud between XX/XX/XXXX-XX/XX/XXXX, I did not utilize credit at all. I checked my credit on XX/XX/XXXX only to find that a debt collector had attached a XXXX debt to my credit report. I called them and spoke to a representative that I could barely understand but he was so rude I was beside myself. I attempted to explain to him the situation and that XXXX had removed this item from my report. At first, naturally going through the identity theft and the account stating it was opened XX/XX/XXXX, I was under the impression it was another fraudulent account. As the representative explained to me what it was I immediately told him oh yes it is in deed me. However, that was removed years ago. He argued with me telling me I owe some outrageous amount and it simply is not true. I believe this is an intentional act just as a means to keep my credit from improving and me regaining a life. I do not owe this debt. It is just a debt collector trying to get money out of innocent people. They lie and make up stories claiming you owe. This debt was already removed, how could it be back on my credit report 6 years after the fact? Debt collectors should be against the law as they lie and cheat people of their money. If you want to improve your credit they simply assume you will pay it even though they are lying.
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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I received a letter dated XX/XX/2022 from Southwest Credit Systems, L.P. stating that they are attempting to collect a debt that I owe to XXXX. It stated that as of XX/XX/2022 I owed {$840.00} to XXXX. On XX/XX/2022, I called XXXX billing and they confirmed that my account was up-to-date, and I had no outstanding payments. The representative stated that the letter was probably fraudulent and they see these all the time. Per the representatives instructions, I reported the letter to XXXX fraud department too. I thought no more about it.
On XX/XX/2022, I pulled my credit report with all three credit bureaus, which indicated that I had an outstanding balance of {$490.00} with XXXX in collections. I called XXXX on XX/XX/2022 to discuss report the issue, and XXXX billing again confirmed I had no outstanding balances, and that theyd continue researching and call me back on XX/XX/2022 at XXXX XXXX. I called XXXX back at XXXX XXXX on XX/XX/2022, and I eventually was connected to the collections department which indicated that the outstanding balance was related to service at an address where I never lived. They said that the service was signed up under my full name, my social security number. This is the first time I realized I was a victim of identity theft, and I reported it to the local police and the FTC. I also filed a dispute with all three credit bureaus.
On XX/XX/2022, I called XXXX collections to discuss how this happened. They indicated that in XX/XX/2022, they reached out to the phone number and email address provided by the identity thief regarding the collections but never reached out to any of my actual contact info on file. They stated that XXXX never would have told me that I had an outstanding balance, unless they searched by my SSN -- which they confirmed I've never fully provided to XXXX. I then emailed the fraud packet to XXXX 's identity theft department. And I sent my proof of identity theft to XXXX via mail.
|
| 12/06/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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SW CRDT SYS ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you SW CRDT SYS or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SW CRDT SYS or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XXXX the XXXX of 2017, I was contacted by southwest credit systems regarding a debt the XXXX XXXX XXXX claims I owe them but as I have stated in previous claims, I do not owe because XXXX XXXX XXXX broke FTC law by making promises that caused me to make decisions that they refused to honor and they are violating the FTC law by trying to collect on this debt before the FTC has even finished their investigation. I will say to this company as I have said to the previous, this matter is being prepared to go to court if need be, since they refused to honor their own employees guaranties more than once, XXXX XXXX XXXX broke this contract and if anyone owes anyone money, they owe me for the termination and the time I am having to take to deal with this issue. This matter has gotten so far out of hand that I have even had to contact my senator, The Honorable XXXX XXXX in hopes of resolving this matter. This letter will service as an official Cease and Desist letter and any more attempts by this company to collect this debt, written, call, credit reporting, or any attempt not mentioned will result in legal action. I have made an attempt through the FTC to talk to XXXX XXXX XXXX as long as I could record the call and have a witness present and to this day they have refused, they have refused my offer of recorded third party mediation as well. I offered both of these as well as filing complaints with the FTC, FCC, Senator XXXX XXXX XXXXs office as well as the Consumer Financial Protection Bureau and all the company has done is send collection companies after me. This should be illegal and as I mentioned, Southwest Credit Systems choose to be in the debt collection business, it is not my fault that the companies they deal with do not provide them with full information of a case. Any communication other than one saying that they will be closing the account will be responded to by both of my lawyers and I will not be paying their fees.
|
| 06/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Southwest credit Systems has been harrasing me since XXXX of 2016. I sent Southwest a request for validation which they did not provide in the first 30 days as determined by the FCRA. They were removed from my XXXX and XXXX credit reports. They waited 2 months and put it back on my XXXX and on XXXX without any correspondence with me. They started with harrassing phone calls and they are ruining my credit worthiness. This is an unverified and unvalidated account. I had previously disputed this account. I have never done business with Southwest Credit. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I disputed the validity of the debt that Southwest Credit claims that I owe. I requested that Southwest Credit provide verification of the following : 1. The ORIGINAL Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether they purchased the debt, and if so, the amount paid for the debt. 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I requested that Southwest Credit Cease and Desist all further communications and collection activities and provide the verification of this supposed debt. I demanded that Southwest Credit remove any and all Tradelines that are reporting on my credit report with XXXX. Their response-they reported it to the other two credit bureaus. Ive sent them numerous letters and Ive called them several times. They have ignored my requests. I am extremely frustrated and upset in dealing with them as I have been dealing with them for a little more than 6 months. They are damaging my reputation and preventing me from being a reputable citizen considering my credit file is unnecessarily damaged.
|
| 02/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I am responding to an inquiry on my credit report from Southwest Credit Systems about collecting a debt that is not mine, and that I do not owe. You contacted me by phone on several occasions and refused to identify yourselves and provide any information regarding the alleged debt. After further investigation on my part, I see from my credit report that the originating company is XXXX, with whom I have current service and an up to date account, with account # XXXX XXXX XXXX XXXX. This is the only account that belongs to be with XXXX.
I have been in dispute with XXXX since transferring my service from one address to another back in XXXX 2019. I contacted XXXX 30 days prior to moving to notify them of my move so that services could be transferred. I also confirmed the total amounts due, which I paid in full. XXXX made several mistakes from that point on, prompting several more calls back to them to resolve. Then, they still failed to turn the services off at the old address, and someone else has been using the services in my name. I have filed a fraud claim and several disputes.
This is NOT my debt and needs to be removed from my credit and any other associated accounts with my name or I will pursue legal action as this has negatively affected me.
I do not have any responsibility for the debt you are trying to collect.
Unless you have documentation that you can provide to me at the address above, that proves this debt belongs to me, which is impossible, as this is not my debt, this item needs to be removed immediately.
Please also stop all other communication with me and with this address, and record that I dispute having any obligation for this debt until it is removed. Additionally, since this has been reported to the credit bureau, please update that this is disputed until it is removed. Again, this should be removed from anything associated with my name and /or address.
Thank you for your cooperation.
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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During the month of XXXX XXXX i purchased XXXX prepaid sim cads for XXXX telephone lines from XXXX. XXXX for me and other XXXX for my wife and XXXX daughters who was supposed to come to USA in XXXX XXXX. Since only my wife and XXXX daughter came Subsequently I spoke to XXXX and got XXXX line cancelled. Since i found the XXXX was very expensive in month of XXXX I spoke to XXXX and got other XXXX lines also cancelled .Their after in XXXX of XXXX XXXX i received the final bill from XXXX. Before I make the final payment of {$60.00} I contacted XXXX and inquire about the final bill ask is their any money that that I owe to XXXX the representative confirmed that {$60.00} is only amount due. I made this Inquired in the past too some years before I had same type of claim of claim from XXXX which I paid in vain.I paid the final bill by cheque and sent under certified mail.The final payment cheque has been realized from my bank a/c Their after later part of the year the XXXX credit reporting company inform me that my personal information provided to XXXX has been hacked.
In XXXX XXXX XXXX i received a bill from XXXX for an {$240.00} as amount due to them. I immediately contacted XXXX and informd the hall story. The Representative confirm that its a hacking story story is true and its frodulant matter and she will forwrad case to the special comeete set up for and that they will contact me. Since they did not contacted me I contacted XXXX XXXX dyes XXXX XXXX and XXXX/XXXX/XXXX both days they informed me that they will contact me but they never.
XXXX/XXXX/XXXX I received a letter from collecting XXXX named south west credit demanding me to pay & XXXX.I contacted XXXX again on XXXX/XXXX/XXXX they said that they need to open my a/c wanted my pin no. Which i could not remember, They said they will send me a temporary pin still I have not received yet. The collecting ajancey contacted me several times and demanding the payments.
|
| 04/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Southwest Credit tricked me into paying a debt that had been settled in full by another collection agency, XXXX. I have all documentation that I would like to attach. I was originally defrauded into a contract with XXXX and they actually owe me {$480.00}. I complained to XXXX and they did nothing. They seemed more concerned with their subcontractor, XXXX XXXX, adding a service onto my account without my permission.
I paid {$240.00} to Southwest Credit through their website on XX/XX/2021 because they tricked me into paying something that had already been settled.
Furthermore, they sent me a letter dated XX/XX/2021 saying that I had authorized 3 more payments of {$240.00}. I did not. They said that the payments would be charged on XX/XX/XXXX and I needed 3 business days to " revoke my authorization. '' Since I this account was settled with XXXX, I would like my {$240.00} back and want to make sure that this type of inappropriate and probably illegal behavior be ceased at once. I do not want them to have access to my bank account. XXXX, my bank, told me that they would do nothing to reverse the charge and I would have to resolve it with Southwest Credit, which I tried several times today, Saturday, XX/XX/2021.
I would you to take legal action against Southwest Credit in case others are being told that they owe money on accounts that have been settled by another agency or the original vendor. I would like you to also take action against XXXX to weed out and fire all sub-contractors that commit fraud. They have the 18 minute call recorded where this XXXX XXXX was doing everything possible to make sure that I didn't hear the details of the contract I was getting into in the first place.
And mostly, I want my {$240.00} back from Southwest Credit and suggest you fully investigate this behavior. As I mentioned, I have a lot of documentation that I would like to add to this complaint in the way of file attachments.
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. In XXXX someone got my name and social security number. They used my identity to get cable service ( this creditor let people apply over the phone for cable, with just a Social security Number, name and good credit. The thief paid the bill until XXXX, then stopped paying, the thief lives in Indiana and I live in Illinois. Someway the creditors put me in collection. I contacted FTC regarding my Identity theft, and my credit score went back up, the collection agency, stopped harassing me. On XX/XX/XXXX, My bank contacted me stating that there is a major derogatory activity on my credit report. I contact the FTC, they was not handling this kind of case they said. They sent letters on line for me use. But I thought this is subsequent to the first Identity case. My bank said, maybe I should contact the credit bureau, I did, but I have been treaty like I am the crook. XXXX did an investigation with input from the creditor/collection agency and no input from me. The results I do not understand. It was sent to me om XX/XX/XXXX, stating that the status is {$1000.00}, is past due as of XX/XX/XXXX, and this account is scheduled to continue on record until XX/XX/XXXX. They also put the thief address and phone ( I believe ) as my address, Again I never live in Indiana or had a phone in Indiana. When I called the agent, she was not helpful to me. She asked me to send a police report and my social security number, I had a hard time finding the police report, so call the police department, XXXX XXXX, They said I need to come in a fill a request sheet and sign, and it would toke two to six weeks. I found the report, I was going to send it in, when I got the investigation report. If you can help me, please do. Thank-you, for all you do for me and other consumers.
p.s. I do not understand the finding. I am not the thief, how can major derogatory information be on my credit report until XXXX.
|
| 10/12/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I was not properly notified whether or not I owed a {$280.00} XXXX bill that is now in collection and is adversely affecting my credit score.
I had XXXX 2 years ago. I took a small break from their services and then I re-established service. I have maintained my account current at all times. When I took a break from having XXXX services I was not notified that I had a remaining balance due. When I reconnected services, I was never notified that I had an outstanding balance. I was re-issued service and I have maintained my bill current the entire time. I have recently reviewed my credit report and a {$280.00} collection appeared. I disputed the account because I did not recognize it. The account ended up being verified. I called the collection agency XXXX Southwest Credit System XXXX and they gave me an account number to give XXXX. They ended up finding an account that had a past due balance that is not linked to the account I have now.
I feel that XXXX did not properly keep records of my past and current account balances even though the service was reconnected at the exact same address with all of my exact same personal data. As far as I was concerned ( and according to my monthly bill XXXX everything was current on my account.
If I would have been notified that I had a past due balance at the time I disconnect, during my service break, or once I reconnected my service, I would have paid it. I have lived at the same address during that service break ( before, during, and after ) and I was never notified that I owed this amount.
I feel that this is not FAIR Credit Reporting because now I have an account in collection that I never knew about. I even attempted to call with my current account information and they always told me that my account was current.
If I would have been issued a regular bill I would have paid it but this collection notice was the first time I found out about this account.
|
| 02/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The Debt was Originally XXXX for XXXX XXXX after leaving their employment they opened services in my name for consumer services without my knowledge or consent, I turned in my equipment after leaving the company as an employee on XXXX
I received notification sometime in XXXX from a " SW CRDT SYS '' that I had an outstanding balance of XXXX for services rendered by XXXX XXXX, I explained to them I used to be an employee I Turned in my employee equipment and the company terminated my employee account after leaving. I was unaware of any additional Consumer Account opened under my name.
SW CRDT SYS failed to remove the debt and tried to continue collecting so on or about XX/XX/XXXX I filed a dispute with XXXX over the accuracy of the debt. As again I never requested services, i never authorized services and after leaving the employment of XXXX I turned in my equipment. I won the dispute on XXXX XXXX XXXX and It was removed from all 3 credit agencies. Sometime in XXXX XXXX XXXX XXXX they added the debt again for this time {$530.00} When I contacted them to explain that this was invalid and that I didn't owe XXXX XXXX anything they said " They being XXXX XXXX on a recorded line with their Executive Support Team '' that due to the dispute, they would try to collect any information and get back to me, once XXXX responds even if they try to uphold the debt it would be removed. This struck me as odd as It would seem against the Fair Debt Recording Act to say something like that.
Anyway, I have redisputed this debt with the credit agencies and while some have come back and tried to validate the debt now at least 1 is still pending ( XXXX ) investigation. SW CRDT SYS reuploaded the debt under Southwest Credit Systems under a brand new account number and when I asked for supporting documentation on their revised balance they ( XXXX XXXX ) sent me copies of the old amount in which I won the dispute over.
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have several family members that are managers for collection agencies. Once you the collection agency buy a debt from the original creditor its paid for. Southwest Credit please show me where I have a contract with you and really need to see my signature. I have sent you a certified letter on XX/XX/2021 needed proof of that contract. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to be reported on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
*Violation of the Fair Debt Collection Practices Act *Defamation of Character I received an letter from Southwest on XX/XX/XXXX and 2 days later it was on all three credit report. This is horrible. How you going to put something on someone's credit and that consumer never had a signed contract with you. Please delete this now.
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
At the beginning of XXXX I disputed a collection account through XXXX XXXX for Southwest Credit Systems trying to collect a debt that's over 8 years old from XXXX for {$830.00}. After disputing it, the company started calling my phone from clandestine numbers appearing to come from XXXX WA. but were actually originating from Texas. They would call multiple times a day and never leave a message. I decided to answer it one day and got a message from Southwest Credit Systems trying to collect a debt. They started calling my boyfriend phone multiple times a day ( A violation of The Fair Debt Collection Practices Act ). He would block the number and they would continue to call from different variations of the same number. They are not licensed to operate in the State of Washington, they have never attempted to contact me or send proof of debt. This is a zombie debt, or time barred debt. In the state of Washington the statute of limitations is 6 years. I have not had XXXX since 2013. This debt was sold to Southwest Credit Systems in an attempt to revive it and I dispute it. Especially when they feel free to violate the FDCPA. If you look at their profile under the XXXX they have over 383 complaints. Naturally a collection agency will have complaints, but many are the same allegations from this unscrupulous company. I contacted XXXX and this debt is not on their records and in fact I'm eligible for another account if I wanted to. I ask that Southwest Credit Systems and other companies like them be investigated for their collection practices and violations of the FDCPA. I would like this company to remove whatever information they have about me or my boyfriend and delete this debt. I also contacted the state ATG in the state of Texas where this company allegedly resides about this company as well as the WA state ATG, the XXXX and other appropriate entities.
|
| 11/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection notice form southwest credit stating I owe XXXX. I contacted both parties and received the run around. XXXX said it was equipment charges but I could n't find return receipt. I later found and called southwest and they stated it was a contract fee. We still have XXXX XXXX installed in home so therefore no contract fee should apply. We never received break down of how fees applied we called XXXX multiple times. They assured it was resolved but later sold the debit to southwest collections and they out on credit. My wife got a job with XXXX and we already had XXXX they advised her to add uverse internet. She explained in didnt work in area plus we already had internet. XXXX wanted to combine for employee saving and we already had a house phone under no contract. When she added the internet they merged the full account onto the XXXX platform. The internet did n't work like before and she called to remove but the installer changed the home phone to uverse also. The catch 22 was we could n't have a uverse home phone without uverse internet and no one stated that where changing or a contract was in place to try internet. I had the phone line for years and was levity. Then we end up with this larger bill over contracts we never knew about. They Fraud ed us because we already had XXXX and we already had home phone. To resolve the ended up disconnecting our entire accounts because the rep merged it into combined billing so when they tried to remove the internet it disconnected everything prompting a contract charge. They finally sorted it out we have XXXX under a new account because they counted reactivate our old account and give back our promo due to disconnection and combining with uverse. We do n't owe XXXX anything. They explained it was uverse equipment fees and I have a reciept from ups tracking # XXXX under XXXX XXXX.
|
| 04/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In the process of refinancing my residence last week, my credit was checked by the mortgage broker. The broker informed me I did not qualify for the rate that I was attempting to lock-in because of a recent debt reported to my credit report ( reported on XX/XX/XXXX ). A cable utility company sent an unpaid debt of {$710.00} to collections. The debt was related to an account opened in XX/XX/XXXX that went unpaid. I called debt collection agency and learned it was for an account opened at an apartment complex that I moved from 19 years ago in my maiden name. I filed a formal complaint with the police department for identity fraud in the city where the account had been opened. The detective informed me today that after checking with the apartment complex and with the utility company there was no evidence of identity fraud. The person that opened the account has a name similar to my maiden name but used a different DOB and social security number.
It appears the debt ended up on my credit report in extreme negligence because my maiden name was similar and I at one point lived in that apartment complex ( almost 20 years ago ). I've tried calling the utility company but since I don't have any of the account information and they can't find an account in my name they won't help me. I've called the collection agency and they will only tell me that it has been marked as a fraudulent account.
At this point, I can not find anyone to confirm this will promptly be removed from my credit history. It has already cost me thousands of dollars due to no longer qualifying for a much lower interest rate on my residence. Utility companies and debt collection services should be held responsible for this type of negligence. The smallest amount of due diligence by the debt collection agency would have prevented this from happening. A lawsuit will be pending.
|
| 11/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection agency is reporting on my credit report, but has not provided the requested sufficient information about alleged debt.
I initially contacted SW CREDIT SYSTEMS L.P. on XX/XX/XXXX after I noticed a strange entry on my credit file that I had no knowledge of. I emailed the company at XXXXXXXXXXXX and also at XXXXXXXXXXXX. I received a response back asking to verify my address and some information about this account will be mailed to me. I did receive this piece of mail, but it was just a random bill. A bill that I had no knowledge of. I did not recognize the account or the charge. I then asked for SW CREDIT SYSTEMS L.P. to provide proof On XX/XX/XXXX. I outlined that by law they must exhibit an authoritative copy of the obligatory instrument or record, timed and date-stamped, which identifies SW CREDIT SYSTEMS L.P. as the assignee of the alleged Secured Party as the assignee of the record or records. To be valid, copies or revisions that add or change the Assignee of the authoritative copy can be made only with the participation of the secured party pursuant UCC 9-105. This was not received. They also had an additional account number on file, which I never held a contract at any time with SW CREDIT SYSTEMS L.P. and believe this may be identify theft due to the fact that the requested documents were not received and they have my personal information reporting on a debt to which I have no knowledge up with an account number. Please help me remove this information from my credit file ASAP. It has been well over 30 days and proper verification/validation has not been established in addition to the identity theft. This is damaging my credit file and is restricting me from obtaining items based on my credit worthiness. If not removed I will be seeking damages as outlined under the FDCPA which are {$1000.00} per each occurrence.
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report.
The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX {$1000.00} Open balance XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS {$620.00} Open balance XXXX XXXX XXXX XXXX XXXX {$250.00} Opened XX/XX/XXXX XXXX XXXX XXXX {$0.00} Highest balance {$12000.00} Highest balance {$12000.00} opened XX/XX/XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXGeneral Account Info Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX XXXX I Account Number XXXX Account Type Utility Responsibility Individual Date Opened XX/XX/XXXX Status Paid, Closed. {$50.00} written off.
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I checked my credit report through XXXX and XXXX. There is a collection from Southwest Credit Systems ( SWC ) for the amount of {$66.00}. I called and spoke with XXXX, from SWC, and she informed me that the collection was from a case that opened in XX/XX/XXXX for a delinquency in XX/XX/XXXX from XXXX. She was unable to provide proof of the debt, and was unable to provide any information regarding any attempt to contact me for the past 5 years.
XXXX transferred me to XXXX Fraud department where I spoke to XXXX. He was unable to provide an itemized invoice for the {$66.00}, but was able to direct me to a website for ID Fraud via XXXX. ( I am currently trying to obtain proof of residency from XX/XX/XXXX - XX/XX/XXXX, but COVID-19 is causing some of those resources to be closed ). XXXX also confirmed that my XXXX account had been deactivated in XX/XX/XXXX.
I called XXXX billing and spoke to XXXX, who again was unable to provide me with an itemized invoice for the amount being " collected '', instead he transferred me to XXXX, in customer service, and she was able to create a collection dispute ticket ( # XXXX ). XXXX was also able to verify that my XXXX account had been terminated in XX/XX/XXXX, at which time the account was transferred into ( my then husband, now ex-husband 's name ) XXXX XXXX. XXXX confirmed that there had been a review of the account completed in XX/XX/XXXX, but she was unable to provide and itemized invoice for the {$66.00}, and she was also unable to confirm any attempt had been made to contact me in regards to collecting the alleged amount due.
At this point in time, 5 years after the alleged delinquency of {$66.00}, Southwest Credit Systems has reported derogatory information on my credit report without attempting to contact me, and without proof or validation of the amount owed.
|
| 03/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I wish to report suspicious activity of a collector. On XX/XX/XXXX at XXXX AM, I was contacted by a " XXXX '' from phone number ( XXXX ) XXXX, claiming he represented Southwest Credit Systems. He was attempting to collect a debt owed to XXXX ( presumably XXXX ) in the amount of {$52.00} from XXXX. He confirmed the last four digits of my social security number.
However, he then confirmed an address on XXXX in XXXX. I disputed that, as I have never lived at that address or even in XXXX. He said they have my driver 's license information. I asked what state issued the license. He confirmed the state of XXXX. I do not have an XXXX driver 's license. He then asked if I was [ First Name ] [ Wrong Middle Initial ] [ Last Name ] ''. I said I was not, and provided my name.
At that point he gave me a fax number to send a letter to dispute the debt. I found a sample letter on the federal government 's website, and modified it to fit my situation. I am attaching a copy of what I sent.
I am reporting this to you, as the situation is highly suspicious to me. I was worried I was the victim of identity theft, but my credit report not only has no fraudulent claims on it, but it also did not have this debt listed either. I am not sure how Southwest Credit Systems could have contacted me at my cell phone number without doing some form of credit report or credit check to get my information. Any review of the information on the credit report would have indicated to them I did not live at the address. The fact they have not put this debt on my credit report seems to indicate they are aware I am not responsible for the debt, but this is an attempt to collect the money from someone, anyone, any way they can. I believe their contacting me is an attempt to fraudulently collect money from me to resolve a debt they know I did n't owe.
|
| 10/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had XXXX back in XX/XX/XXXX. I ended up purchasing a new phone/equipment and financed it. My end date was XX/XX/XXXX. I paid and since I ended my contract, I decided to go with another carrier XXXX. I called XXXX to get my balance and they provided it and I advised that I was leaving and to make sure there was no balance once paid. I had the conversation recorded as well. I paid the balance off in XX/XX/XXXX in the amount of {$260.00}. I sent a certified letter twice to XXXX and provided them all of the paperwork and the original contract along with bank statements. They in return sent me a bill from XXXX dated XX/XX/XXXX for {$130.00} with a different phone number that I never had nor know anything about. I obtained service with XXXX the same month ( XX/XX/XXXX ) I cancelled with XXXX. I provided proof and it was removed from my credit.
Fast forward, earlier this month, I received a collections letter from XXXX stating they are representing XXXX to collect a debt that I do not owe. I have contacted XXXX numerous of times in addition have contacted each collections company that they sell my account to. This company has requested that I provide a letter in writing in which I did but apparently they have not received it. They state that I must notify them within 30 days. I get a credit alert today which is NOT 30 days that this debt has been placed on my credit report. This XXXX debt does not belong to me nor has XXXX been able to provide me with a contract or anything to show that this was my phone number. I have the original contract and never changed my number. The other collections had to remove it from my credit because I have provided all documents as proof. In addition, XXXX must remove this too because this debt does NOT belong to me nor do I know who it belongs too. I am attaching proof as well.
|
| 09/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Please take notice that SOUTHWEST CREDIT SYSTEMS, LP has failed to provide verification of the debt with regard to the above referenced account. Therefore, this debt must be deleted from my credit file within 30 days.
You reported this account to the consumer reporting agencies on or about XXXX XXXX, XXXX, three days before you notified me of a debt, and you also notated that the debt was disputed with the consumer reporting agencies. You initially contacted me by letter on XXXX XXXX, XXXX notifying me of a XXXX XXXX account placed for collections. I responded to your notice requesting verification of such debt on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I requested you to close the account and cause such delinquent account to be removed from my credit file. I have received no verification of the alleged debt, and no response to my request to close the account.
Pursuant to 15 U.S.C. Section 1692g ( b ), you are required to notify me of the name and address of the original creditor. You have failed to provide such information. In addition, you have failed to provide verification of the debt under 15 U.S.C. 1692g ( a ) ( 4 ). Because the entire debt was disputed, you have a duty under 15 U.S.C. Section 1681s-2 ( 8 ) ( E ) ( i ) to conduct an investigation with respect to the disputed information. You have failed to investigate this disputed information and provide verification thereof. Therefore, you are in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, and all other applicable state law. A complaint may be filed with the Federal Trade Commission and the Washington State Attorney General, and may take legal action.
This account must be deleted from my credit file, and this account must be closed by your office from further collection attempts within 30 days.
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called on XX/XX/XXXX to have my tv and internet services temporarily disconnected effective XX/XX/XXXX. All of my information was confirmed, I then placed the rep on hold and she disconnected. I assumed service termination was processed. I then received a bill the following month. I was told that my request for termination was not processed due to the phone disconnecting. The following month I was contacted by the buyback/loyalty department to get me to resign up for services. I explained the issue with them and was told the bill would be credited, and new services would be installed under a promotional rate and I would also receive a gift card for signing back up. Upon installation appointment there was no line of sight. Due to this, I returned the equipment and was told that my balance was XXXX dollars. I called in a few weeks later to confirm and was told that I did have a XXXX balance. In XX/XX/XXXX I was contacted by Southwest Credit ( client reference number XXXX ) claiming they were calling on behalf of XXXX XXXX XXXX XXXX. I advised them I owed no money and they should not be calling me. Upon receiving the bill that XXXX XXXX XXXX provided them, I called and attempted to resolve once again and was told I would be contacted by the escalations team after they reviewed the recording and verified my initial request to have service terminated. I requested they pull all recordings thereafter as well so they will have the full story and know how many times I was told my balance was XXXX dollars. I have tried to resolve this issue on my own to no avail, I would like to have all notations on my accounts and all recordings reviewed and charges reversed and deleted. As my balance with this company should be XXXX dollars and I should not be harassed by collection attempts for a balance not owed.
|
| 04/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
XXXX alleged that I owe them {$76.00}. for a phone bill. That debt was passed on to a collection agency known as Southwest Credit Systems, L.P. located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX. Be advised that I was never in any phone contract with XXXX during the time period they alleged I owed them {$76.00}. Notably, neither XXXX nor Southwest Credit System ever notified me of this debt in writing or otherwise prior to its submission to the collection agency or to the credit bureau. In fact, I first discovered that I was in collection status while viewing my XXXX XXXX account. These facts withstanding, I wrote directly to Southwest on two occasions ( one letter returned as " returned to sender not deliverable as addressed '' ), and the second letter was confirmed as received due to return receipt requested. However, to date I have yet to hear from Southwest with respect to an explanation, or whether they contacted XXXX to have the collection removed from my credit report. I also disputed the collection online with XXXX on XXXX occasions to no avail. This was followed up with XXXX letters of dispute ( certified mail - return receipt requested ). The XXXX confirmation response letters that I received in regard to my XXXX letters to XXXX had absolutely nothing to do with the instant disputed XXXX collection. In fact, in XXXX replies XXXX provided confirmation in regard to an unrelated matter. Additionally, I tried contacting XXXX agencies via phone, but was not afforded an opportunity to speak with anyone. As a last resort I am formally requesting that the FDCPA take the necessary steps to have Southwest and/or XXXX have this erroneous collection debt removed from my XXXX credit report. That collection debt is damaging my credit report, and is currently hindering me from purchasing a vehicle.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Not sure why I am having to continuously deal with the fraudulent account and debt form Southwest Credit in XXXX, XXXX XXXX in XXXX, XXXX XXXX in XXXX and Southwest Credit again in XXXX. I have previously provided information to all of the Debt collectors that this account is not mine. I have received correspondence from Company Southwest Credit and contacted them today and they swear that this is the first time that they have ever contacted me??? I informed the Southwest Credit representative that she was not being honest and and that I had previous correspondence in a file. I informed the representative that this account was not mine the result of Identify Theft ( probably from XXXX breach ), which I have been dealing with over the last 2 years, with several accounts opened fraudulently in my name- XXXX XXXX. She became vile and threatened to report this fraudulent debt to the credit bureaus and " destroy my credit ''. Is this even legal?? I am mad right and I am fighting back!
I say again and will continue to ask that this account be validated, via a signature page and provided to me at my home address.
I am attaching the previous letter from XXXX XXXX, stating that they were not able to validate the debt and that they would remove this fraudulent account from all credit bureau 's. I want a similar removal letter from South and verification in writing that this fraudulent account will not be reported to the three major credit bureau 's by them and if they have already reported, I want a similar removal letter sent to me within 15 days. If Southwest Group can not validate via a signature page I want this fraudulent account removed and I never want to have to deal with them again. If necessary, I will seek legal council. This account is not mine and was opened in my name fraudulently.
|
| 11/30/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX XXXX, I moved out of the apartment I was sharing with XXXX others and, among other things, ended my XXXX service at that address. XXXX picked up the equipment and the final bill that I knew of was paid. I have had XXXX services at multiple addresses in multiple cities since then. When I moved to XXXX XXXX, I was told I could not get an account because I had never returned my equipment from that first account. When I disputed that with the representative, he said he would look into it, and shortly thereafter I was offered a contract to get service, and I opened a new XXXX account in XXXX of XXXX. I have had XXXX service continually since then, have paid my bills on time, and have never had any issues mentioned to me by the company. On XXXX XXXX, XXXX, I received an alert that there was a new open collections account on my credit report. I went to check and found, after much investigation on my own part, that Southwest Credit Systems had placed a derogatory mark on my credit score for a {$65.00} debt to XXXX which XXXX was alleging I owed from XXXX. I have had the same name, phone number, and social security number affiliated with all of my accounts with XXXX, so they have no excuse for this absurd behavior. They have never once contacted me, sent me a letter, billed me, or otherwise attempted to hold me responsible for this amount. Southwest Credit Systems never sent me a letter regarding my debt before placing this on my credit report, and has made no contact with me whatsoever at this point, rapidly approaching their 30 day deadline. I am sending them a demand letter for verification and other information pursuant to the relevant federal laws. I do not believe I owe XXXX this money, and dispute the validity of any debts to XXXX and any collection agency regarding this amount.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SW Credit Systems is stating that I owe a debt from XXXX XXXX XXXX of which I do not have any knowledge of. XXXX recently decided to remove this negative tradeline from my report while XXXX and XXXX is still reporting this unverified debt. I have disputed this debt with the credit reporting agencies on numerous occasions but have only received the generic " Meet FCRA requirements. '' statement which is n't sufficient. The credit reporting agencies are reporting a debt that is not mine and ca n't be verified. Federal Law requires that the credit reporting agencies provide mechanisms to ensure that the disputed debt actually belongs to me and I am asking for any original documentation with my signature giving consent of service and the mechanisms that XXXX and XXXX have used to determine that this debt actually belongs to me.
This false and inaccurate debt has been moved around through different collection agencies over the past year and half. This debt was first reported by ( XXXX ) XXXX XXXX XXXX and was removed from my report in XX/XX/XXXX by all of the 3 major credit reporting agencies ( Please see the attached document that XXXX sent me showing that they 've ceased all collection activities regarding this debt ). SW Credit Systems is now the collection agency that 's reporting this debt to the bureaus and without verifying that this debt is accurate, XXXX and XXXX is once again, refusing to do their due diligence and has decided to report this unverified debt to my tradeline although I have once again disputed this debt on numerous occasions over the past few months. Also, the address listed for this debt during service is not and has never been mine. Please see the attached documents that will show my W-2 documents from XX/XX/XXXX and XX/XX/XXXX that lists my proper address.
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I discovered that a collection account was posted by Southwest Credit Systems ( SCS ) to my XXXX, XXXX, and XXXX consumer credit reports. The reports indicated that the amount owed was {$140.00}, and that the original creditor is XXXX. To date, I have yet to receive a letter from SCS regarding this collection account. However, based on the information provided by SCS to the three credit bureaus, this debt is not mine. Together, the credit reports indicated that the last payment made to the XXXX account was XX/XX/XXXX ; that the date of first delinquency was XX/XX/XXXX ; that there was an account review inquiry to XXXX by XXXX on XX/XX/XXXX ; and that the collection account was opened on XX/XX/XXXX ( see attached supporting documentation Enclosures 4, 5, and 6 ). While I previously had an account with XXXX, that account was closed in XXXX of XXXX. That account was also in good standing at the time of closure. All fees had been paid as the account was set on credit card autopay, including a close-out payment of {$18.00} on XX/XX/XXXX, and all equipment returned ( see attached supporting documentation Enclosures 1, 2, and 3 ). Since closing my XXXX account in XXXX, I have not opened another account with XXXX, and am not the person who made the XX/XX/XXXX payment to the XXXX account in collection.
I am submitting this complaint directly to CFPB to address potential violations of the Fair Credit Reporting Act, and am refraining from submitting any communication to the collector ( Southwest Credit Systems ) independently out of concerns for my privacy.
As a XXXX supporting the COVID-19 response, this matter is distracting my attention and time from serving Oregonians. I would, therefore, greatly appreciate the CFPBs assistance in resolving this matter expeditiously.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In or about XXXX/XXXX I cancelled a cell phone I was on month to month with through XXXX, but was still being charged monthly for the bill. I was sent to collections and disputed it and won. It was removed from my Credit. Approximately 4 or 5 years later it was put back on my credit, I disputed it and even had to go to the Arizona Attorney Generals Office to have it removed as not only was the charge not legitimate since I was being charged AFTER cancelling the month to month phone, for several months with the phone being shut off, but it was past Arizona Statute of Limitations Law ARS 12-543. Limiting the collection of a non contractual debt in AZ to 3 years. After the AZ AG was involved they had it removed from my credit, and now all of a sudden with no warning, no call, no mail, nothing, it is back on my credit report. The Supposed " debt '' is now over 7 years and violates AZ state law and violates the FDCPA laws.
XXXX XXXX. Oral debt ; stated or open account ; relief on ground of fraud or mistake ; three year limitation There shall be commenced and prosecuted within three years after the cause of action accrues, and not afterward, the following actions : 1. For debt where the indebtedness is not evidenced by a contract in writing.
2. Upon stated or open accounts other than such mutual and current accounts as concern the trade of merchandise between merchant and merchant, their factors or agents, but no item of a stated or open account shall be barred so long as any item thereof has been incurred within three years immediately prior to the bringing of an action thereon.
3. For relief on the ground of fraud or mistake, which cause of action shall not be deemed to have accrued until the discovery by the aggrieved party of the facts constituting the fraud or mistake.
|
| 04/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In early XXXX of 2018, I ported my number over from XXXX to XXXX XXXX XXXX. I had already received my bill from XXXX for the month of XXXX. Once I ported the number over I contacted XXXX for an updated bill because my invoice was for the entire month of XXXX. I ported my phone number over in the early part of XXXX which would mean I did not owe the entire invoice that they had sent me. On three separate occasions I contacted them to send me an updated bill. The next thing I know, in XXXX of 2018, I get a collection letter from XXXX XXXX XXXX with whom I disputed the debt in writing. I thought the issue was resolved and attempted to contact XXXX again as I was trying to use the phone I had with them for my daughter. I found out once again that they were claiming the balance for the full invoice was still owed and they would not release the phone, even though it was paid for in full, and they were holding it hostage for the payment of the invoice. In XX/XX/2018, I got another collection letter from XXXX XXXX XXXX. Then again in XX/XX/2018, another letter came from Southwest Credit. It would appear that XXXX outsourced a disputed account two more times without validating the amount owed as requested or sending an updated invoice, which was also requested. I do not owe this entire invoice. I only owe a portion of it. I can not contact anyone at XXXX and Southwest credit has not validated the debt even though I have requested it in writing.
Southwest credit has again reported this to my credit bureau. I am at a loss for words for the strong arm tactics of XXXX XXXX and their collection agencies trying to force payment of an amount that is not owed.
All I want is an updated invoice showing the date my service with them ended and I will gladly pay for what I used and no more.
|
| 08/23/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
I received a call on Sunday afternoon via a recorded message for my ex husband ( of 5 years ) providing the number XXXX to call if I am not this person. He is happily remarried so I called to inform them that I 'm not him and was able to identify they are Southwest Credit Services yet was told that they are not open - their normal business hours are M-F, and Sat. and I would have to call back then. Wait a minute! ~ They just called, woke me up from the only time I get to nap - gave me a number to call that required me to quickly find paper and pen to write with only to not be able to reach anyone? That is not fair and not good business practice. The recording says they are attempting to collect a debt gives an option to 1 ) make an automated payment, 2 ) gets normal business hours or 3 ) leaves a message for one of the representatives to return the call - but their internal system does n't work - the call does n't ever transfer to a representative like they say it will ... then after about a minute and 12 rings, the end user gets a fast busy and the system hangs up. I DO N'T WANT ANOTHER CALL FROM THIS COMPANY!
So I decided to google Southwest Credit Systems to attempt to reach them and find out they provide a XXXX and XXXX XXXX. XXXX # XXXX XXXX TX XXXX. I call the XXXX # and although they flip the prompts - select XXXX for a representative, the internal system does the same thing that the XXXX # does ... which is ring for an extended period of time without transferring ... I 'm not sure what needs to be done - but I was supposed to hit a key ( I ca n't remember what the prompting was during the original call from this company but if it was a XXXX or XXXX if I WAS XXXX XXXX ) - but because I did n't and followed their rules, I now run the risk of getting called back.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX XXXX day of XXXX, XXXX [ XXXX ] XXXX XXXX XXXX, XXXX, Illinois, XXXX, United States Subject : Dispute of Incorrect Information on My Credit Report Dear [ SOUTHWEST CREDIT SYSTEMS ], I am writing to submit a formal dispute regarding inaccurate information that appears on my credit report. After reviewing the report, I have identified information that does not belong to me and is incorrect. I kindly request you investigating and rectifying these discrepancies to ensure the accuracy and integrity of my credit profile.
The incorrect information is as follows : * [ SOUTHWEST CREDIT SYSTEMS, Submitted on XX/XX/XXXX ] : [ I HAVE NO KNOWLEDGE OF THIS ACCOUNT ] I believe these errors may have occurred due to a mix-up or incorrect reporting. I have no knowledge of this account.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that you initiate an investigation into these inaccuracies promptly. I kindly ask that you contact the appropriate data furnishers and request their investigation as well. It is essential to rectify these errors as they may negatively impact my creditworthiness and financial standing.
As per the FCRA guidelines, I expect a written response from you within 30 days of receiving this dispute letter. Please provide me with the results of your investigation, along with any corrections made to my credit report.
I appreciate your attention to this matter and your cooperation in resolving these discrepancies. If you require any further information or documentation from me, please do not hesitate to contact me.
Thank you for your prompt assistance. I look forward to a timely resolution and the correction of the inaccurate information on my credit report.
Sincerely, XXXX XXXX
|
| 01/27/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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|
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. SOUTHWEST CREDIT SYSTEMS {$240.00} SOUTHWEST CREDIT SYSTEMS {$690.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).
Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised this is against F.C.R.A. law and is a violation of my rights..
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
|
| 05/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I am being harassed by Southwest Credit. I do not know why they are contacting me but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX XXXX ( Collections ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX Online via their website with the same information given to the previous three companies. A couple weeks later I received another debt collection letter from XXXX again for same debt that I do not owe. I filed with you, and a dispute with them and it was dropped the next week. Today, XXXX, I receive a letter from Southwest Credit for the same debt, even though I have been called by them 3+ times a day for over a week and I have already told them I have no debt and to PLEASE CEASE! They have no formal dispute on their website so I filed one through their Feedback portal and informed them I was filing a complaint with you.
I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 5 ) collections companies when they are the sixth company pursuing a false claim. The mistake was on XXXX 's part and not mine. I was with them for ~23 years or so and had no contract. They acknowledged this in XXXX when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I contacted Southwest Credit System on XX/XX/2021 and stated pursuant to FCRA ( 15 USC 1692g ) that I was disputing their debt claim and requesting validation. This was NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully requested their offices to provide me with competent evidence that I have any legal obligation to pay them.
I also informed Southwest Credit System that if their offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found, including but not limited to late payments, on any of my credit reports by their company or the company that they represent " XXXX XXXX XXXX '', I will not hesitate in bringing legal action against them and their client for the following : Violation of the Fair Credit Reporting Act, Violation of The Fair Debt Collection Practices Act, and Defamation of Character.
I also informed them that the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached by their company and the client they represent. Then assured them that I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent.
In addition to that violated my rights as a consumer pursuant to 15 USC 1692b ( 2 ) ,15 USC 1692b ( 5 ) ,15 USC 1692c ( 1 ), 15 USC 1692d ( 1 ), 15 USC 1692d ( 2 ) ,15 USC 1692f ( 8 ).
I appreciate the CFPB 's assistance in the matter.
Best,
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XXXX/XXXX/XXXX XXXX contacted my relative and disclosed my information to her and got a payment from her for the amount {$190.00}. I explained to my relative that they were not suppose to give her any information regarding a bill in my name and they could not take her money. They continued to contact her and give my information to her over the phone. I have disputed this bill since due to the violation of the Fair Debt Collection Practices Act. I requested cease telephone communication. Some time had passed and the phone calls stopped and the bill stop coming. After many years my relative called XXXX to get service they told her they could not help her till a bill in my name was resolved. They again disclosed all my information and transferred her to Southwest Credit Collection department. Then Southwest disclosed my information to her as well. I notified CFPB and filed a complaint against XXXX. I sent a Certified letter disputing the bill on XXXX/XXXX/XXXX. XXXX still calling. I then sent a second Certified letter XXXX/XXXX/XXXX to Southwest Credit informing them of the violation and that I am left with no other option but to file a complaint to cease telephone communications. Southwest Credit in turn sent me a bill with balance saying I owe {$310.00}. CFPB was not able to handle the matter with XXXX so CFPB notified the FTC. Even after sending a Certified letter to Cease Telephone Communication I continue to receive collection calls from XXXX. Another violation of the FDCPA. On my voice mail when I received a call from XXXX a man said on my voice mail. " I got this '' then hung up. Something must be done about this harassment. I am taking the steps to have this resolved to that they will not continue to do this to me or anyone else.
|
| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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XXXX XXXX , XXXX To Consumer Financial Protection Bureau : Complaint regarding Southwest Credit and XXXX XXXX XXXX XXXX inappropriately reporting derogatory information on my credit file which at no fault of mine is adversely impacting my credit report and credit score. I called and cancelled XXXX XXXX XXXX XXXX on approximately XXXX XXXX , XXXX . I directed them to send any refund or final bill to my new address which I clearly provided to them. They failed to do this and the subsequent statements continued to be mailed to my old address. Please note I paid my account on time the entire time I had service with them and I promptly returned their equipment. Instead of calling me and/or emailing me ( they had both my phone number and email address ), they turned over a bill for {$96.00} to a collection agency. When contacted by the agency, I provided my new address to them and asked them so send copies of the XXXX XXXX XXXX bill as it was never sent to me. Once I received the bill, I paid the balance. I am appalled that due to the incompetence of XXXX XXXX XXXX not updating my address as I clearly instructed them to do, I am now wasting my time and others to resolve this issue. If they had handled my account correctly, I could have simply paid the bill. Despite their mistake, I am the one having my credit report impacted and having to spend my valuable time resolving. As I stated above, I paid my bill on time every month when I had service with XXXX XXXX XXXX and I have ZERO late payments on my credit report ( and never have ) except for this ridiculous entry. Please have this entry removed immediately from my credit report and provide written confirmation that this has been done.
|
| 04/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear XXXX XXXX, I am writing in response to the letter I received from Southwest Credit Systems , L.P. ( " SWC '' ) regarding the above-numbered consumer complaint. I appreciate your response and your willingness to investigate this matter further.
However, I am still not satisfied with the information provided by SWC and XXXX. In my original complaint, I requested a full bill of assignment that proves SWC has the legal right to collect this alleged debt on behalf of the original creditor. I also requested a bill of records that shows the details of the alleged debt, including the original creditor, the dates of the debt, and the charges.
The billing statements provided by XXXX do not satisfy my request for a full bill of assignment and bill of records. They do not prove that SWC has the legal right to collect this debt on behalf of the original creditor. I need a legal document that proves SWC has the right to collect this debt, and until I receive that document, I demand that all collection activities be ceased immediately, including any reporting of the alleged debt to credit bureaus.
Furthermore, I will not be mailing any disputes to the provided address. Instead, I will be conducting all matters through the Consumer Financial Protection Bureau ( CFPB ) to ensure that my rights are protected and that this matter is investigated properly.
Please provide me with the requested legal document within 30 days of receipt of this letter. If I do not receive a satisfactory response within that time frame, I will have no choice but to pursue legal action to protect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 08/20/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 'm submitting this complaint against SouthWest Credit who is collecting on behalf of XXXX XXXX XXXX.
The collections company called me to collect to debt I do not owe and I explained to them that I 've already disputed the amount as described below with XXXX XXXX XXXX. Yet the sent me another letter attempting to collect the debt amount of XXXX when it should no more than {$44.00} ( as XXXX XXXX XXXX last told me ) and I still believe should be smaller amount because the {$44.00} includes services until XXXX and I returned all equipment in a timely manner.
That being said, and to reiterate my complaint, XXXX XXXX XXXX billed me for U-verse services not rendered for the months of XXXX, XXXX and I think XXXX and they also tried to charge some sort of termination or late fees. The fee breakdown in my last bill from them was not itemized. I requested XXXX cancel my subscription on XXXX and all equipment was returned within the allowed 21 day return period by XXXX/XXXX/15. They said they got it on XXXX.
On XXXX/XXXX/15, date of my last call with XXXX XXXX XXXX, they specified that I owed an amount of {$44.00} not {$260.00}. I asked them to send me a revised bill with the {$44.00} so that I could dispute further as I continued to emphasize that I should not owe anything. However, it seems they sent my account to collections instead.
I submitted my first complaint to the CFPB prior to the account going to collections but since CFPB closed my complaint as it related to XXXX XXXX XXXX directly, it seems that XXXX XXXX XXXX continued collection proceedings.
Please call me if there is any missing information that you need to pursue this matter with SouthWest Credit debt collectors on behalf of XXXX XXXX XXXX at XXXX or XXXX.
|
| 04/07/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
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I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.
|
| 10/19/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I have to just put it how it is the SWC or whatever the collection agency is for XXXX is bold faced lying. There could n't be more of a lie told. First and foremost, they began claiming it was a debt from XXXX in Massachusetts. Now I see they are claiming it is a debt from XXXX in XXXX. I have new for you, 1. I did not even reside in XXXX at that time, and 2. The cable was not in my name. Therefore, you are lying. If you are not, please send me documentation as proof that I had service in my name in XXXX at that time. I guarantee you can not. When I spoke to you fraudsters, you stated it was because in XXXX you did not receive some receipt for equipment that was still at the location. You are seriously just flat out lying. You have nothing to back up your allegations. How can I owe on something I never had. The bottom line is I do not owe you anything! And I am not paying you a dime. What you need to do is send me via certified mail with a return receipt a copy of your phony documents. I know whomever is responsible for stealing my identity is attempting to keep fraudulent accounts on my credit report. I have not utilized credit since XXXX. You claim this is in XXXX in XXXX. Guess what? I did not live there. Get your facts straight before you lie. I can not believe you first attempted to claim it was in Massachusetts in XXXX now it was allegedly in XXXX. Obviously, you do not know where I was residing and you obviously do not know that the service was not in my name. STOP LYING! I can press charges for that. I will file a police report and I will provide your bogus statement with proof of my whereabouts and the fact that I did not have service. You are just some scumbag debt collector trying to get money. Not this time!
|
| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Southwest Credit Systems To Whom It May Concern : I am writing this letter in response to the phone call/letter received from you. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt not verification that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you, XXXX XXXX
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On or about XX/XX/XXXX received letter from Southwest Credit stating that my account had been placed with them for collection from XXXX for the amount of {$720.00}, but would settle for 65 % of that amount. Also, it had the 30-day notice on this letter for proof of debt. On XX/XX/XXXX I sent out a letter to Southwest Credit requesting validation of debt.
On or about XX/XX/XXXX received reply to letter requesting validation of debt. All they had sent be were copies of bills from XXXX from XXXX, XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent another letter to Southwest Credit stating that the information they had sent was not viable evidence and requested because it did not have my signature. I also requested information on each person that had personally verified this alleged account, so I could inquire how they were able to verify without proving proof bearing my signature. I also stated that according to FCT opinion letter from Attorney XXXX XXXX XXXX stating that a printout of a bill or itemized document does not constitute verification.
On or about XXXX XX/XX/XXXX received the reply from Southwest Credit where they sent the same copies of bills from XXXX, XXXX, and XX/XX/XXXX. On XX/XX/XXXX I sent out a final goodwill request for validation of this debt pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
On XX/XX/XXXX received a response from Southwest Credit stating that that they were unable to begin an investigation because they feel that my dispute was deemed to be frivolous or unsubstantiated because : 1. The dispute is substantially the same as a dispute previously received 2. The dispute was reasonably determined to have been prepared by a credit repair organization.
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On or around XXXX of XXXX i received a missed call from a XXXX number. Being a former XXXX resident I called back and the person on the other line mentioned that she was a debt collector. After verifying my information she said she was trying to collect a debt, I informed her that i am unaware of this debt so please send me documents which can validate the debt. I gave her my new address in XXXX and she said she will mail me the documents.
As of today XX/XX/2019, I did not receive any Debt validation from this company. Today i received an alert from my credit monitoring service of a collection reported by this agency. When I called them the first representative, XXXX refused to give me any information and after putting me on hold disconnected my call. The second representative Miss XXXX, said that we don't have any validation document but i will have to pay them to delete the information of my credit report.
After questioning her and mentioning that they have violated the FDCPA by not providing me any validation and negatively reporting on my credit. They have not given me a chance to dispute or resolve this matter and have impacted my credit. She transferred me to a supervisor by the name of Miss XXXX XXXX.
Miss XXXX was not willing to cooperate and was adamant for me to pay the debt which I am unaware of. She threatened me that her company will continue the collection activity if i don't pay her. She mentioned that regardless even if this debt is not mine, they have not violated the FDCPA. This agency is using predatory practice by not providing any debt validation documents for me to verify the debt. I am unaware of this debt and they comply with my original request of providing the debt validation.
|
| 02/13/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American, Servicemember |
|
My name has been attached to an account for {$1800.00}, that has my name assigned to it ; that I have no knowledge of. My bank account and associated cards are not mentioned, just my name. I live nearly the entire Republic of Texas away from the store XXXX XXXX XXXX, that is in XXXX, Texas that the account was opened in XX/XX/XXXX in my name. According to my credit report on XX/XX/XXXX shows a large amount on a purchase in my name that I had nothing to do with. Then was turned over in XX/XX/XXXX to a collection agency Southwest Credit Systems, dba : Southwest Credit - XXXX XXXX in XXXX, Texas, not far from the original issuing source. I have contacted every government agency that I could find to possibly correct my incorrect credit report. I was unable to contact, despite several attempts, any of the numbers provided for the Collection Agency. Most were unanswered rings, two I heard a message that " no tracks exist '' ( whatever that means ). I was called back by a supposed Texas Secretary of State employee, I learned from a disconnected number ; by a person named XXXX that gave me a bogus number. When I called back to see if I dialed a wrong number, I found it was disconnected number. Later after calling the for a local sheriff 's deputy to file a second personal Identify Theft affidavit. I told the deputy that I called back he told me that there are no disconnected numbers at the Secretary Of States office. If I was called it was likely by some one trying to alter any direction I was taking to recover my proper credit. I did learn that there were complaints about both companies. If accurate, that there was an active bond, despite the collection company moving numerous time and changing the company name.
|
| 03/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, the following is illegally and invalidated, is reporting to the credit agency ( s ) **XXXX XXXX**, and XXXX is reporting an illegally invalidated account with the entity ( ies ) Southwest Credit XXXX opened on ( XX/XX/XXXX in the amount of {$640.00} ).
" XXXX ( XXXX ) ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ), ( account opened on XXXX XXXX, XXXX in the amount of $ XXXX ), ( account opened on XX/XX/XXXX in the amount of $ XXXX ) " XXXX XXXX ( account opened on XX/XX/XXXX in the amount of $ XXXX ) The following inquiry ( S ) are also unauthorized ***XXXX XXXX ****XXXX XXXX XXXX XXXX ***XXXX XXXX XXXX XXXX XXXX the following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX md, XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX XXXX XXXX XXXX XXXX XXXX md XXXX I have not provided any permission for anyone/person, natural or not , to furnish my federally protected consumer information, and therefore, you are in violation of reporting an unverified, and invalidated alleged debt. According to 15 USC 1692g only a natural person can verify a debt, and central collections unit, can not legally provide a natural validation for this account. 15 USC1692e ( 1 ), stating I owe an amount for this alleged debt. This is harassment, and all are in violation of 15 USC 1692j ( a ) and can be liable for 15 USC 1692 k, k ( a ) for violation of these laws, per 15 USC 1692j ( b ).
Cease and desist letters sent to each entity!!!
|
| 06/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX and XXXX I Discovered That Someone may have Obtained and improperly Used my personal identifying information to obtain credit, goods or services from XXXX XXXX XXXX AKA XXXX AKA XXXX XXXX XXXX, AKA SW CREDIT SYSTEMS , INC and 11 XXXX XXXX in the amount of {$290.00} This unauthorized use of my information was discovered During A follow up Check of My XXXX Credit Report in response to monitoring alerts that I received On XXXX and XXXX. I have never had any account with this company or any of its Listed Affiliates. I have never authorized any use of my personal identifying information to obtain any credit, goods, or services from the entities listed. ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Their listed addresses XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX phone and On or around XXXX XX/XX/2020 I filed a Identity Theft Police Report with the XXXX XXXX Police Department in regards to XXXX 's unauthorized use of my personal information in order to support the manufacture a erroneous debt that I do not owe. I was never notified about any debt with XXXX. XXXX and it's affiliates are providing information to others about the {$290.00} debt. It was only after I received a monitoring alert that I discovered that XXXX was sharing erroneous, and damaging financial information about me with others ( XXXX XXXX POLICE DEPARTMENT SUMMARY INCIDENT REPORT NUMBER : XXXX ) ( SPPD Tracking # XXXX ) I have never received any verbal, or written notification of any {$290.00} debt owed from XXXX or any of it's listed affiliates. XXXX and it's related companies are causing damage to my reputation due to their improper actions on a recurring basis. And Now SW Credit systems Inc. L.P
|
| 06/29/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
On XX/XX/19 at XXXX I answered a phone call from southwest credit systems group llc out of XXXX Texas , called from XXXX. I verified what is my address with the woman on the line. She proceeded to try to collect 45 dollars from a toll from a few years ago. I asked her to please verify the debt and she spouted off more personal information and told me I will receive a " ticket/citation '' from the company if I dont pay and it's like {$200.00}. I asked her like from the police and she said yes a ticket just like the ones they give you. I tried to press her on if it was a civil or criminal issue and what will the citation be for surely not from the city and she deceptively assured me it's just like.those I have to call the parent company to talk.about the tickets and citations given out though. I got transferred to a manager and she tried to verify my information as the last woman did and when I gave her the address of XXXX like I gave the first woman she said it's not what they have on file. She then told me.she couldn't discuss the account with me bc I didnt verify the info correctly. I asked why the first rep did and she didnt have an answer. So the first person i spoke with gave out handfuls of personal and account information to somebody that improperly verified. Alot of information. That's not okay. I asked for a copy of the call.amd was sent to another executive 's line. They are not verifying that the people they speak to are debt holders and giving away alot of personal information. Please help us from these unsafe tactics I hope no one else has called in and just been given random account and personal information that's dangerous and illegal via the cpfb. Thank you guys for everything yall.do.
|
| 09/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
I would like to dispute that I closed and paid off my XXXX account a long time ago. I went into the branch to make sure my account was paid in full and in good standing more than several times to make sure XXXX did their job right, as i have had several issues and/or problems with XXXX charging my account for equipment i did not have and etc. When i recently applied for a loan, they advised me i have a balance of {$350.00} on my credit report from XXXX Which caught me by complete surprise! That is incorrect reporting to my credit report because I have made ALL of payments that I owe years ago. I do not owe anything else other than what i paid already! XXXX has made so many mistakes in charging my account, i 've had to go and have them correct the mistakes often. Today my daughter & I called the XXXX number to have this all corrected, we were transferred more than three times. We spoke to three different associates advising me, one said I owe for early termination fees, one said I owe for equipment not returned and another who said she could n't reference the old account, but said she was talking and/or chatting with customer services said i owe for services rendered. Seems as though none of the associates knew & understood their products and services in doing their jobs. This has been a really stressful process to get this rectified. I feel like they are taking advantage of the senior citizens. ( me ) everyday. I am not going to pay for services that was not provided to me! I cancelled the XXXX services a long time ago, that should have been the end of that. I paid everything owed to XXXX why do they still show i have a balance? XXXX has the worst customer service. This needs to be corrected asap!!!
|
| 09/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have been contacted by this agency repeatedly claiming that I owe a debt. On XX/XX/2023 I sent SOUTHWEST CREDIT SYSTEMS a debt validation letter requesting valid proof of claim that I am legally obligated to pay the alleged debt. This company has failed to supply any documentation that has my wet ink signature agreeing to pay the alleged amount, an explanation showing me how you have computed the amount, nor confirmation that the account has not crossed the statute of limitation ( XXXX ) period. I do not believe that I owe this debt, and I have disputed it and allowed the agency an appropriate amount of time to show evidence of this debt to be valid, but the agency have disregarded these repeated requests to validate the debt. On XX/XX/2023 I sent a cease and desist letter because such conduct from this company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. SOUTHWEST CREDIT SYSTEMS have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt. I demanded that the agency cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. This company has failed to remove these negative remarks. On XX/XX/2023 I sent an Affidavit of Truth because I do NOT have a contract or a " wet ink '' Signature with the CORPORATION. This agency has also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX, XXXX my prior, written consent.
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| 05/05/2015 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Threatened to take legal action
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Web |
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I will be attaching my last dispute to communicate best with you what 's going on. However, my main issue is with the XXXX Texas Tolltag Authority. My main XXXX complaints are 1 ) The fees they charge ( {$25.00} per invoice ) are incredibly exhorbatant and 2 ) Their billing makes no sense. They retroactively send invoices for 3+ years in the past with {$25.00} fees attached, having never sent invoices prior, then refuse to remove the fees. I recently received a bill for the first time for {$120.00}, for only {$21.00} worth of actual tolls, from XX/XX/XXXX, having never seen it. Please read the attached dispute to more accurately get a sense of the lengths I have gone to get verification on my debt. My main concern is that there is absolutely no governing body that makes sure the NTTA is within any type of fair billing practices. There is no one to go to when you dispute the charges. They hold you hostage for as long as they like with bills from the past and then if you do n't pay it, threaten with arrest. I have spoken with lawyers who refuse to take my case because " there is no point in fighting with the NTTA. '' I have spoken with so many people who have the same issue but have no where to turn. Someone has to be there for us, to impose some type of rules on them. Their billing has to make more sense, there has to be some type of rules that govern how they can collect and how far back they can go. I just do n't understand how this entity gets away with this and no one questions them. I have paid over {$2500.00} to them for tolls and received another packet for {$12000.00}, only {$1000.00} of it is for tolls. FROM AS FAR BACK AS XX/XX/XXXX! Someone please has to help us Texans, it 's ridiculous.
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| 01/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had a XXXX XXXX account in XXXX, XXXX that I closed because I was moving out of state ( to XXXX ). I took all of the equipment less than a week prior to me moving, to the local branch that I normally dealt with and paid them in full so it would be XXXX less thing for me to worry about, this was XXXX 2012. I never once received any correspondence indicating there was an issue until XX/XX/XXXX when it mysteriously showed up on my credit report as not being paid. I contacted them directly and they investigated and wanted me to fax them a receipt, however I told them I did n't have it anymore since it had been over 2 1/2 years and if there had been any problems with it, I should have been notified long before 2 1/2 years and it also should not have been put on my credit report without notifying me first. The XXXX representatives I discussed it with agreed with me, however they said there was nothing further that could be done beside talk to their collections department. I spoke to them and all they wanted to do was discuss payment arrangements which I explained I was not interested in because the bill had already been paid once and I had no interest nor was it fair for me to have to pay it twice. I also filed several disputes with XXXX because XXXX kept reporting it as an active debt, however XXXX currently shows it as a closed account. I explained this to XXXX in my dispute that if XXXX has it closed that they should be reporting the same. In fact, XXXX removed it but then added it back which I did n't understand, but they continue to say after each dispute I make ( I 've made at least XXXX ), that the debt is valid, however it is not and it is hurting my credit and I need it removed.
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| 09/08/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Before any of this happened I got a call asking for my personal information without them sharing the company name or why they were calling. I said I dont feel comfortable without knowing who I am talking to. They still refused to tell me so I hung up and recalled the number and it was southwest credit systems.
All from this year of XXXX XXXX XXXX -Wednesday - XXXX XXXX XXXX XXXX XXXX XXXX Thursday - XXXX XXXX XXXX Thursday- XXXX XXXX XXXX Friday - XXXX XXXX XXXX Tuesday XXXX Spoke to them on Thursday XX/XX/XXXX XXXX for 25min I verbally asked them to send a letter for debt validation which I never received ( they said they sent one, not true ) and a request for the amount they claim I owe. They said they would send that out to my address and they confirmed my address. They kept saying that if I paid today it wouldnt damage my credit score and that if I waited I would be sent to the credit bureau. In response i said I was not going to pay a debt that very well may not be mine and that I dont even have proof of debt.
They have since called me from numbers XXXX ( XXXX ) XXXX on XX/XX/XXXX and XXXX ( XXXX ) XXXX on XX/XX/XXXX a Saturday And again on Sunday XX/XX/XXXX XXXX ( XXXX ) XXXX I did look up and they are not supposed to contact me for a few days after initial contact, right?
XX/XX/XXXX @ XXXX XXXX Called again XXXX @ XXXX on XX/XX/XXXX Again XX/XX/XXXX same number at XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX at XXXX XX/XX/XXXX XXXX @ XXXX XX/XX/XXXX XXXX @ XXXX Im sure come Monday Ill have more calls to add to the list. That is another thing that goes against the fdcpa rules, correct?
Ive been dealing with constant calls. And I dont even know if this debt is mine.
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| 07/24/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I left XXXX back in the end of XX/XX/XXXX of Last Year and informed them to close my Account. At the time of closing, I paid {$400.00} to end my contract with XXXX. XXXX took my information and never updated it to the new address. Thus, they -supposedly- sent out a final bill in mail format- though I have opted for all information to be electronic ( for obvious reasons ) - and with my mail forwarded NEVER received a bill. Fast forward to XX/XX/XXXX, it shows up on my Credit Report as closed in XX/XX/XXXX with an amount of approximately {$280.00}. I go into a store and they said they 'll notify the actual correct people to fix it. It never was fixed. Also, at this time, I filed a dispute with the appropriate credit reporting agencies. In XX/XX/XXXX, apparently, it was re-posted to my Credit Report- with a higher amount of over {$1000.00}. Again, I go to a XXXX store whom claimed I had to call their collections. I called the collections whom refused to have the debt removed claiming- I never paid the original amount. Also, on the same call, the collections agent is stating to me conflicting information- and stated I need to produce a Bank Statement for a bank account I closed for two amounts equating less than the amount they posted to my credit report- by about {$400.00}. Now, I 'm writing a written complaint to every agency explaining the situation. They never sent me a bill so I could internally dispute the information reasonably- before posting it to the various agencies. It is no longer reasonable in that I closed a bank account about a year ago to ask a bank to produce an electronic statement- for a date I can not remember- when I have hundreds of transactions a month.
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| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.
15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors.
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent.
SOUTHWEST CREDIT, ****XXXX XXXX***, XXXX XXXX XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist.
THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
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| 06/29/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe.
I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt.
I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts.
I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX.
I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX.
If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.
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| 09/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My Last complaint to this company XXXX did not report any findings regarding the debt they are trying to collect on. Under the law they have not provided any verifiable details stating that this debt in fact mine. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your action, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company seeking {$1000.00} per violation for : 1. Defamation 2. Negligent Enablement of identity Fraud 3. Violations of the Fair Credit Reporting Act. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.
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| 06/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed.
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| 03/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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SOUTHWEST CREDIT SYSTEMS LP has issued a collections to all XXXX credit reporting agencies. I called and when I called they said it was a bill from XXXX XXXX XXXX - this is not possible as I have been a XXXX year client of XXXX XXXX XXXX in good standing. When I asked for more specific information I was passed to XXXX different people - all of whom said it was a XXXX XXXX XXXX bill. When I had said this was not possible and they needed to remove it from my credit report I was told " We understand, but we ca n't do that '' - I insisted they could. I was passed up the food chain and was told the same thing - on the XXXX person I was then told that this was not a XXXX bill, but rather a XXXX bill from over XXXX years ago. I left XXXX years and years and years ago and said I had no bill and could they show me the bill and why were they saying XXXX XXXX XXXX? I then was told that this was fraud and they would sent a packet in the mail - the packet insist I file a police report and supply a substantial amount of documentation. This is all very much not above board - I was given wrong information, given improper information on my rights, they do n't have a bill - How can I file a police report from a bill from over 5 years ago of which no one can get me a copy of said bill? Also, no answer has been given about the XXXX XXXX XXXX bill which is what XXXX of their agents told me prior - lastly, saying " we ca n't do anything on the credit report '' - when they issued it, do n't know what outstanding bill there may or may not be - is very troubling. Only because I knew my rights was this issue escalated and even now - they have no bill and no information.
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| 10/13/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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Southwest credit systems.
Grossly failed to follow the policy in the procedures governed by the fair debt collection practices act as well as violations committed under the fair credit reporting act.
Upon me being notified that I was a victim of identity theft, I am mediately took the necessary steps to make sure that I did everything the correct way to remedy this intrusion. A complete fraud packet was sent to all three major credit reporting agencies as well as the individual collection agencies.
Upon receiving this request and notice of possible identity theft, this collector company was supposed to conduct an investigation into the fraud accusation and claim. A fraud packet was presented to the collection company through XXXX as well as one was submitted to them via certified mail.
Apart receiving this request, this collection company did not investigate into the fraudulent claim and violated section 809 subsection B validation of debt.
In that section it states very clearly the following, if the consumer notifies the debt collector in writing within the 30 day period described in subsection a that the debt, or any portion therefore, is disputed, or that the consumer requests The name and address of the original creditor, the debt collector shall cease collection of all debt, or any disputed portion therefore until the debt collector obtains verification or completes his investigation into the fraud claim.
When I called to check the status of their investigation, the representative stated to me that no investigation into identity theft was not being conducted. They also validated that they didnt even see a request for it.
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| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX, I learned that my mortgage had fallen out of approval.
I looked at my credit report on XXXX to see if there were any issues I could resolve, and found that Southwest Credit Systems was attempting to collect a debt from me in the amount of roughly {$2400.00} from an original creditor " XXXX XXXX '' I called their helpline, and was referred to fill out an affidavit to claim the fraud, which I have filled out, and emailed to them, and attached here. I will not be available to file the required police report until I have returned from the trip I am taking to visit the property for which the loan is out of approval and inspect ongoing work.
According to the representative on the phone, the account was opened in XX/XX/XXXX, and closed just 2 months later in XX/XX/XXXX. I know from prior experience that the " bill '' that was ran up consists of nothing more than brand new 3 smartphones being purchased under one name. I have included these details in the attached affidavit.
The reason I am filing this complaint today is because I have already successfully disputed this EXACT account under a different debt collector using the services of XXXX XXXX
As I am no longer paying their $ XXXX subscription, I am unable to provide the documentation in the customer portal.
I find it particularly egregious that companies are allowed to commit double, or even triple jeopardy with accounts that have already been discredited with a complete lack of oversight.
I have also attached a selection of reviews from their XXXX business profile indicating that these dirty tactics are regular business practice for Southwest Credit Systems.
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| 07/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX of 2016 I signed up for XXXX XXXX internet and phone service. Over the course of the next several months the services would constantly come and go. On 3 occasions XXXX sent service techs to our house to try and remedy the problems. After doing so, they would work intermittently and stop working for periods of time. My wife and I rely on dependable internet service to do our jobs and so after 40+ hours of lost time working and several other hours speaking with XXXX representatives we decided to cancel the service and get something more dependable. I called and cancelled my service with XXXX and told them I would no longer pay them for the service they were NOT able to provide, in doing so they also tried to tack on an early cancellation fee which I also refused to pay since they could n't provide the service. At this point, XXXX was attempting to collect a {$90.00} for service and plus another {$90.00} for an early cancelation fee. After sending them a letter stating all this, they sent it on to a 3rd party collection agency to try and collect. I relayed this 3rd party that I was disputing this debt they say I owed due to the reasons listed above and I did not hear from them again. Now, another 3rd party collection agency is once again trying to collect this debt now totalling {$250.00}, and they have gotten far more aggressive. Today alone, I have 5 incoming calls from Southwest Credit. To sum it up, I would be happy to pay for service provided but I refuse to pay for service I did n't get and ulitmetely cost me money for lost work and I definitely refuse to pay a cancellation fee for cancelling service that did n't work.
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Southwest Credit Systems , L.P. contacted XXXX XXXX XXXX via a mailing as a debt collection agency on behalf of XXXX. A wireless provider XXXX XXXX had purchased a month to month service plan with for a personal hotspot device provided to XXXX XXXX XXXX XXXX XXXX decided that he no longer wanted the device or service due to service related issues that he felt were unsatisfactory and other relative concerns. XXXX XXXX, per the terms of his contract attempted to return the device at the same retail location from where it was purchased in XXXX XXXX , CA . The retail store representatives stated they were unable to process the return and advised XXXX XXXX to contact a generic customer service departement. XXXX XXXX did this and the customer service department advised that the return should take place at the retailer. XXXX XXXX still has the device, and is willing to return it at any point in time in the immediate future if the provider would simply accept the item back, which is allowed for consistent with his month to month contract that was paid current at the point of attempted return. Nevertheless, the account was reported to a collection agency who subsequently reported the account to the XXXX major credit reporting agencies ( XXXX XXXX XXXX and XXXX ). ' Consistent with the initial mailing that was sent to XXXX XXXX by Southwest Credit Systems , XXXX XXXX complied with the expressed directives and procedures for disputing the debt and obtaining verification of the respective and consistent debt, but the collection agency did not comply and chose to report the information to the XXXX major credit reporting agencies. '
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| 10/04/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I continued to receive a call at the same time every morning, various similar numbers. Most often, I answered the phone they would hang up. The calls continue in this pattern for about a went on for a week or more. Finally, I answered the phone, and there was music playing on the line. I waited and listened to some lady answered and immediately asked me my $ $ # and D.O.B. Stating she needs to identify who she was speaking too. I explained there no way I was going to give out my information to a person I don't know.
I asked her who she was and the name of her organization. She said, it so fast as if she didn't want me to know who was calling. I had to ask her to slow and down and repeat herself at least XXXX for XXXX times. Of course ; this made me apprehensive as if she was trying to hide something. I knew then they were trying to scam me. Finally, I said, spell it!
Of course, the conversation got heated. Business is Business ; I asked them to give me the D.O.B that they had on file, and I would verify if it's mine or not. They refused, I asked for the address again they refused. I told them to cease calling me. A few days later, I received a letter, and I recognize the name. They were trying to collect for an alleged debit from XXXX {$130.00}. I don't owe XXXX or XXXX {$130.00}. I sent a certified letter or Debit verification asking to tell me where they came up with this {$130.00} amount. They send me a XXXX bill for {$220.00}. That it! This doesn't tell me anything. How do I know if this is a real bill or a real company that can collect in Georgia? It really looks like someone used a copy machine to copy a bill.
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| 09/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,
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| 08/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Received a phone call at XXXXXXXX XXXX XXXX last night on my cell phone, from the following number : ( XXXX ) XXXX the caller ID said SWC Group XXXX It rang 4-6 times, then stopped. Did not leave any kind of message. When I dialed the number back, I got an automated message, that says Your call could not be completed as dialed. Please check the number and dial again. I looked up the name of this company online, on XXXX XXXX, as well as on XXXX, and found numerous complaints against it as a collection agency. I noticed that much of what they do collections for, is for things like utilities, education loans, etc. To my knowledge the things that they do collections for I have never been involved in, and any student loans that I have had, are 100 % paid off!
I have gotten ahold of an attorney in regards to this, in an attempt to find out why theyve contacted me, and to get them to stop. I've even submitted a complaint form to the XXXX XXXX XXXX ( case ID # XXXX ) contacting this company by e-mail, with a cease-and-desist letter to get them to stop contacting me. I have absolutely no idea who this company is, and I have checked all my financial records, as well as credit reporting sites, and have absolutely no outstanding debt. As I stated before, the complaints have seen on XXXX XXXX, and elsewhere online or that they're trying to get people personal information, financial information, and have been accused of violating the FDCPA.
I want it stated again, that to my knowledge, I have nothing, and I mean nothing in the way of any outstanding debt, and I want this company to not have ANY contact with me whatsoever!
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| 03/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
Servicemember |
|
In XX/XX/XXXX, I closed out my account with XXXX XXXX which I had an account with for many years using their internet service. However, at some point i decided to leave XXXX and asked for a final bill. The final bill came with cost stating I owed them {$110.00} dollars to close out the account. I disputed this amount based on my last bill prior to closing out this account with number XXXX.
XXXX telephone number - XXXX After not receiving a new and final bill all this time at least over the last 18 months I finally get a debt collector sending me a final bill which only meant they decided without prior notice to send this to a debt collector. I received a letter in the mail from the collector called Southwest Credit located in XXXX, TX Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX XXXX Creditor : XXXX Southwest Reference number - XXXX Offered Amount to close account {$77.00} Today, XX/XX/XXXX. I called and spoke with Southwest credit about attempting to undermine my credit and leave a negative impact on my credit report. I also contacted XXXX with the same thought process.
It is my intention to not have this affect my credit negatively and I want both to close out this account.
I want XXXX to contact the credit bureaus and clear up this matter with all 3 active credit reporting agencies.
Upon receipt of my check for the full amount to resolve this debt. Within the time frame of no less than 15 days. Or the next reporting date.
I want XXXX and Southwest Credit to send me validation that this matter is closed and my credit report has been cleared. Not just " stated paid '' I want it removed.
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| 09/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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Southwest Credit Systems , L.P. ( " SWC '' ) furnished an item on my consumer report for collections. There are numerous issues with this furnishing as actual damages have been caused! I have been denied loans, lines of credit, and I have experienced defamation of character as a result!
I sent in a dispute letter a few times, and recently received a response from SWC dated XX/XX/XXXX. The response said that as of XX/XX/XXXX, they had been contracted by XXXX to collect the debt amounting in {$710.00}. This balance is not even reported correctly to the 3 Major Consumer Reporting Agencies on the collections report ( It shows as {$710.00} ). ( This is past the statute of limitations for the state of Maryland at least 2 months of this complaint filing. ) This debt is an alleged debt, not having provide original documentation. While they provided bills from XXXX in my name, they stated they were " not obligated to produce a signed agreement as the customer is not always required to sign one to obtain services. '' As the consumer, regardless of the services or circumstances, I believe this is negligible on SWC 's part as this statement can be interpreted as " so long as service is being provided, you still owe, '' even if you didn't sign anything. That puts me in the understanding that technically ANYONE can sign up for a service in my name, with or without my consent, and I can be held liable.
This statement goes against the FCRA and FDCPA in protection of my identity, as well as my credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living!
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| 01/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems ( SCS ) of XXXX, Texas sent a letter to Mr. XXXX XXXX alleging a debt owed from XXXX XXXX. Mr. XXXX has communicated with XXXX regarding this debt and demanded proof of the debt including a an agreement with Mr. XXXX 's signature. XXXX has failed to provide such document because they do not exist. SCS, acting on behalf of XXXX or as a purchaser of the debt or has sent notice to Mr. XXXX regarding the debt. Mr. XXXX has always has and continues to deny the validity of the debt. Upon communication with SCS, SCS representatives have advised Mr. XXXX to either file suit in U.S. District Court for the XXXX District of Tennessee, file complaint with the Consumer Financial Protection Bureau, and the U.S. Department of Justice. Prior to taking further action, Mr. XXXX demands that SCS cease and desist from any collection, credit reporting, or other practices that involve Mr. XXXX. Mr. XXXX also demands that SCS produce the following : Validation that SCS is the furnisher of the debt.
Signed documents with Mr. XXXX 's signature exhibiting any agreement with SCS.
Any legal agreement allowing SCS to collect a debt from Mr. XXXX Should SCS fail to provide such requested documents, Mr. XXXX demands that XXXX remove his information from their systems immediately. Furthermore, Mr. XXXX demands that SCS cease and desist from such practices that violate the Fair Debt Collection Practices Act ( FDCPA ) as SCS has perpetuated the collection of an unfair and illegal debt and attempted to collect monetary amounts that are not contractually legal.
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| 03/23/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ref : XXXX Disputed XXXX Account Proof of being with XXXX I have proof that I was with XXXX at the time that XXXX is claiming I owe them {$170.00}. Originally 'XXXX XXXX ' chased me for this money and then I received this email from them : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, Thank you for contacting us. Our system is showing this account was closed in our offices XX/XX/XXXX. If you have any further questions, please contact the original creditor.
Thank You, XXXX XXXX Client Services Clerk | XXXX XXXX , XXXX .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I confirmed with XXXX on the phone after this email that the debt was indeed cancelled and I need not worry any more about it.
I have attached two documents proving that on XX/XX/XXXX, I XXXX XXXX was not with XXXX but was with another Carrier at the disputed time. I was and am still with XXXX since XX/XX/XXXX.
Why now is ANOTHER collection agency coming after the same amount?
'Southwest Credit Systems ' - XXXX XXXX XXXX XXXX Texas is calling me regularly again for the same amount and now at a time of financial crisis has reduced my credit rating, so that I am now ineligible for the Home Equity Loan that I need to keep my family 's head above water at this critical time!
How is it possible to dispute a payment, win the dispute and then be approached a year later for the same cancelled debt?
Many thanks, XXXX XXXX
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| 03/18/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Company : Southwest Credit System My name Is XXXX XXXX. XXXX, My address is XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX and my birthdate is XXXX.
After checking an updated copy of my credit report. I have found several accounts that I dont recognize. I understand that before any account or information can be furnished to the credit bureaus ; all information and all accounts must be 100 % accurate, verifiable and properly validated. I am not disputing the existence of the debt, but I deny I am the responsible debtor. I am also aware that mistakes happen. I believe these accounts can belong to someone else with either similar name or with my information used without my consent either from the furnisher itself or an individual.
In accordance with the Fair Credit Reporting Act, your agency is required to do a reasonable investigation into the matters of accuracy, completeness and be able to verify each specific entry. I am demanding physical documents with my signature or any legally binding instruments that can prove my connection to these erroneous entries, failure to fully verify that these accounts are accurate is a violation of the FCRA and must be removed or it will continue to damage my ability to obtain additional credit from this point forward.
I hereby demand that these accounts listed above be legally validated or be removed from my credit report immediately.
I understand that you must complete the investigation within 30 days of the receipt of this letter. Please send all replies to the address above with an updated copy of my credit report after all investigations are properly done.
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| 01/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It XXXX Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
I am writing this letter to dispute the following accounts : Fill in accounts you want to be disputed, be sure to add the account numbers with each account.
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per XXXX ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act XXXX XXXX XXXX violations Fair Credit Reporting Act XXXX XXXX violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ XXXX XXXX. XXXX ] I AM NOT A CREDIT REPAIR COMPANY
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| 06/17/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2022, I received a letter from Southwest Credit Systems , L.P. stating that I owed {$840.00} to XXXX. The letter stated : " Our information shows : You had a account from XXXX with account number XXXX. '' This is false information. This is not a XXXX account number, but it is my reference number with SWC.
Because of the false information SWC provided, when I called XXXX later that day, they stated that my balance was up-to-date and this was probably a fraudulent attempt at collections, so I reported it. Importantly, because my alleged XXXX " account number '' per SWC 's letter only had 8 digits and XXXX 's actual account numbers have 16, the XXXX representative assured me this wasn't a real collections letter.
On XX/XX/2022, the collections account hit my credit report, and on XX/XX/2022, XXXX confirmed it was a result of identity theft.
On XX/XX/2022, I emailed an image of the collections letter to a Customer Security Assurance representative at XXXX. On XX/XX/2022, that representative stated that XXXXXXXX XXXX system never would have located the account because of the false information SWC provided.
Later, a representative from SWC 's compliance department confirmed the error and that they should've used the creditor account number, not SWC 's account number.
In sum, SWC told me that they were collecting for " a account from XXXX with account number XXXX. '' This is false. If SWC had not erred and had accurately provided the creditor 's 16-digit account number, my credit score wouldn't have been impacted, and I would've been alerted to my identity theft 2 months earlier.
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| 10/12/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I contacted XXXX since it was an unpaid balance with them, after updating my mailing address and phone number I made a payment of {$50.00} towards the balance because I could not afford the full balance at the time.
When I contacted XXXX for second time, after a short period of time, I was told my account was sent to a collection agency, they were clear to dont worry about it because the collection agency would contact me via XXXX XXXX or phone call and I would have the chance to pay it before it pop-up in my credit report. Since I didnt get anything in the mail, I contacted XXXX again and they wont to provide the contact information of the agency.
Time goes by, I did not receive a call or letter and now I checked my credit report and I realized that the account was placed in to collection agency name Southwest Credit System. As I called the collection agency, I was told that they had tried to reach out to me but turns out that XXXX gave them my old address even though I had given XXXX my P.O. Box address the last time I made my payment to them because I am in a XXXX situation.
My husband requested the supervisor a courtesy deletion since I was waiting for the letter in the mail and they received inaccurate information that prevented me to dispute or pay the bill before its pop-up in my credit report but they just refuse, Is a very unfair situation since as I said I am in a XXXX situation and I need to clear this account from my credit to apply for an affordable housing. I am just asking for the fair thing, have the chance to pay it or dispute before it damages my credit.
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| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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We stopped using XXXX nearly 3 years ago and cancelling our account resulted in charges and fees which were very hard to verify. They would sent people to our home to collect equipment and then contact us for payment for unreturned equipment for over a year. The same thing happened with the balances owed. XXXX has sent this to collections multiple times and we disputed it every time asking for proof of the debt. The debt collection company they used sent us proof and then we notified them that it was not a bill or anything we could reconcile showing we owed XXXX for services used. We also provided an updated phone number to that debt collector to reach back out to us when they had some proof. When checking our credit we found that XXXX had changed the debt collector on the account who we do not show any correspondence from, nor phone calls. I answer even spam calls and they have not reached out one time. XXXX moved this debt from another collector and never updated our phone number, giving us no way to know there was an active collection against us. They are not willing to remove the inquiry from our credit report and to date have not shown proof of the debt. As a company they do not understand that their system is broken and they try to charge consumers for things they do not owe. Like equipment returns. If there are then other payment disputes consumers will be weary to pay what seems to be false charges.After trying to collect for equipment that was returned for a year and then saying we owed money for something a year after we ended the service would seem suspicious to any person.
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| 08/29/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately.
Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility.
Here is the Collection agency info and how it appears on my credit report.
Creditor Name SW CREDIT SYSTEMS L.P.
Account No.
XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection
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| 03/23/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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After reading the review of the company I have attached facts that the response is incorrect I have two different addresses on each statement two different cities but I can not be in two places at once.. Both modems were turned in prior to my departure from the united states. How is that I owe a debt when I still had services until XX/XX/2019. I have misleading information and none of it is correct but the company did put this on my credit report. I will be seeking legal advice due to this false reporting on both spectrum and the debt collection agency due to furnishing incorrect information on my credit report I also have receipts of BOTH turned in modems as well. This is my final attempt to resolve this matter at the lowest level. According to the FCRA, Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. Furthermore, A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : reporting a debt as charged off when you settled it or paid it in full.Misstating the balance due reporting late payments when you paid timely listing you as a debtor on an account when you were only the authorized user, or supplying credit information on an account where identity theft was previously reported ( or failing to maintain a reasonable procedure for you to report identity theft ).
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| 05/31/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Southwest Credit Systems has report an alleged debt to the CRA 's without sending me a notice to dispute or any information so that I could verify the debt. This is a violation of my consumer rights.
If your offices still believe that I own the debt, I respectfully request that you provide me with competent evidence that I have any legal obligation to pay the alleged debt to your company, original creditor, or anyone else. See the attached document ; Please validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) ; Please provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor, bearing my wet-ink signature; Please provide a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor, authorizing your firm to engage in collection activities on their behalf against the above-alleged account.
Please provide a verified certificate of authority, and/or proof that your company are licensed to collect in my State.
Please provide the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as XXXX XXXX balance sheet ( XXXX # 's XXXX, XXXX, XXXX ), XXXX OID report, XXXX registration statement, XXXX prospectus, RC-S, and RC-B call schedules.
Please provide proof that the alleged debt has not already been satisfied by any means available including but not limited to, a Tax write-off, an Insurance Claim or selling the purported debt to third party debt collector ;
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| 01/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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A company called " Southwest Credit '' recently sent me a letter, dated XX/XX/XXXX, claiming to have been authorized by XXXX to collect {$270.00} from me for a " debt owed. '' ( I closed my XXXX account and paid the balance in full about 4 or 5 years ago so I could change my cell phone service to XXXX XXXX XXXX ) In the letter, Southwest stated that they would settle for 45 % of that amount. They stated that I needed to respond within 30 days. I did not respond. On XX/XX/XXXX, they put collection accounts on my XXXX and XXXX credit reports, lowering my credit scores drastically. This is the fourth time I've had to contact the credit bureaus to dispute and remove this false, fraudulent charge from my credit reports -- each time placed by a different fraudulent " collection '' company, and each time for the same false charge. When I called XXXX, they said that I do not owe them anything, that my account was paid in full, and that they have never heard of Southwest or the other companies that have tried to collect this false, fraudulent charge. XXXX told me on XX/XX/XXXX that they see in my file that I have disputed and removed this fraudulent collection account a few times before, and that they have already verified before with XXXX that my account balance is {$0.00}, paid in full. I disputed the charge with XXXX and XXXX and am awaiting the results -- again! In my opinion, what these dishonest " collection '' companies are doing is extortion, and they are criminals. I need your help to prevent them from selling this phony charge to another company who will try it again.
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| 12/10/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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RE : Southwest Collections Account # XXXX Collecting for XXXX The account was opened on XX/XX/XXXX I have been trying quite some time to get validation on this alleged debt. The firm has placed a collection in the amount of {$1400.00} on my credit report. When I called I was informed that the amount was for equipment and for service. While I may have an amount due for services I do not owe for equipment. When I contacted Southwest about this I was informed that the documents they possessed stated that the debt was for both and therefore that is what they are collecting for. It was suggested that I might contact XXXX and get documentation showing that I returned the equipment. This is the 2nd collection company they have put on my credit report.
I called XXXX on XX/XX/XXXX and requested that they investigate this account.
I spoke with XXXX and was informed that it would take about a five days for them to find the records.
I called back in XXXX to find that they still had not completed the investigation.
On XX/XX/XXXX they stated the bill did not include equipment but the last bill from them dated XX/XX/XXXX stated a credit for XXXX and a bal owed of XXXX which was for equipment which I returned to the XXXX office. They also have a new billing system that started in XXXX so they can't locate the equipment.
Now I'm being told that I own XXXX and that amt has nothing to do with equipment but I have a bill that states I don't owe that amount. According to this bill I own them nothing. I have sent the attache bill to them on XX/XX/XXXX and have yet to get a response.
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| 05/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.
This item 11 XXXX XXXX disputed by XXXX ( XXXX ), for {$250.00} opened XX/XX/2020, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit.
Reported By : Southwest Credit Syste XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me.
" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. ''
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| 08/20/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Southwest Credit Systems has been attempting to collect an amount of {$84.00} for the past month and has now negatively impacted my credit by reporting a delinquency to the credit bureaus. I did not receive any calls, emails, or mail about it -- I learned about this from a credit monitoring agency. I called Southwest because I could not tell what this debt was for or who was claiming I owed it. They told me it was from XXXX for a charge from 2015. Apparently both they and XXXX were mailing information to the old address where I used to live and received the service but have not lived since 2015. I was never delinquent on a bill so I don't know where this is coming from. I have not seen any mailings informing me of this debt, and I do not think I have received any calls because no one has left a message.
Southwest mentioned -- and I do remember -- that a couple years ago, a different collection agency attempted to collect some XXXX-related debt from me, though I do not remember the details from that event. I believe I filed a complaint at the time because I similarly did not recall being delinquent on any payment, let alone one from so long ago.
I do not know why this has arisen and I do not know why it is suddenly an issue over three years after I moved from this address and closed out this account. I do not have any documentation because 1 ) this was from three years ago and 2 ) I closed the account because we were moving away from the address so I do not know why either Southwest or XXXX was sending me mail there, as they claimed.
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| 08/30/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
XXXX XXXX XXXX Account Number : XXXX Creditor : XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
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| 03/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I disputed this Xfinity account last year directly to all three major bureaus and it was removed because it couldn't be validated. It later appeared on my credit report but was listed by Southwest Credit, a different collection agency from the first. I have mailed dispute five letters certified/return receipt but still have not gotten what I've requested which is the original written contract between myself and Southwest Credit or between myself and XXXX. They are supposed to remove the account from all three credit bureaus if they are unable to produce this information. I mailed the first 3 dispute letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021 ; They sent back billing statements showing a balance of {$370.00} which does not validate that I opened the account. The fourth response they sent me stated my dispute was frivolous or unsubstantiated because " The dispute is substantially the same as a dispute previously received '' and " The dispute was reasonably determined to have been prepared by a credit repair organization ''. Neither of these reasons make sense. I sent the dispute letters myself but don't understand why they aren't complying even if a credit repair company sent the dispute letters. It looks like they are stalling to avoid following federal law, which requires them to produce the original signed contract or remove the negative account. I have yet to hear back after mailing my fifth dispute on XX/XX/2021 once again asking for the signed contract. They still have a couple weeks to reply the information requested.
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| 09/18/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The account was for a security system. XXXX Account XXXX I tried to pay the amount owed, however they said it had been turned over to Southwest Credit. When I contacted Southwest Credit they said they did not have a file on it.
So I tried again to pay XXXX Account XXXX. I have emails that I sent attempting to pay. I also have screen shots of where I attempted to pay online, but was they would not take payment.
I was contacted by someone from Southwest Credit after a couple of weeks of not being able to pay XXXX directly.
I told them I would pay, if they would change the negative report. The lady with Southwest Credit was extremely rude, and I told her that I would pay the amount but I wanted the negative information on my credit taken off since I attempted to pay before it was turned over to the Southwest Credit agency. It took them over two weeks to even verify that they had the file.
This was for a XXXX security system that we have never used. The salesperson told me that we could cancel at anytime, and that it was a two year contract. XXXX was a 5 year contract ) I could not see the small print, so for that I am at fault for trusting the XXXX representative.
I am unable to add the screenshots and emails from your website. The dates were XX/XX/XXXX through XX/XX/XXXX. I was not contacted again by Southwest Credit, for 2-3 weeks after I contacted them regarding the file. They said they did not have file during this entire time, and XXXX would not take payment because they said they had turned over to Southwest.
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| 05/12/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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This is a formal complaint against Southwest Credit Systems located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Creditor : XXXX XXXX XXXX XXXX Credit account number:XXXX southwest reference number : XXXX principal : {$1300.00} discounted amount : {$910.00} letter dated:X/XX/2017 XXXX XXXX XXXX has sent a collection debt on my name to South west credit systems in the amount of {$1300.00}. They offered me a 25 % discount totaling an amount of {$910.00}. I have spoke to them several times and have explained to them that XXXX XXXX XXXX has performed unfair consumer relation practices against me reason being is I cancelled XXXX XXXX XXXX to switch to XXXX. I spoke with XXXX XXXX XXXX prior to cancelling and going to collection to try to resolve this issue but they would n't work with me. They are charging me for cancellation fees, last months dues, and remaining balance of cell phone purchases on my account. I feel it is unfair because of their unfair stipulations and policies they have set forth. I refused to pay them d/t their unfair policies and practices, lack of customer support, and unfair treatment. Another issue is, prior to me cancelling, my sister XXXX XXXX had 2 of 3 lines on her account that were switched over to me. Remaining balances of phone purchases which was 2 of 3 of those lines were supposed to remain on her account however XXXX XXXX XXXX still put the liability upon me. We spoke to XXXX XXXX XXXX and they told me that the amounts of the phone and charges would stay on XXXX 's account but they lied. Once, we tried calling them to resolve the issue they were n't able to do anything worthwhile to solve the problem.
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| 07/01/2016 |
No |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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In a recent review of my credit report, I noticed that SW CREDIT SYSTEMS L.P has placed an erroneous and derogatory entry, claiming that I owe them {$230.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since SW CREDIT SYSTEMS L.P saw fit to place this item on my credit report, they obviously have all the information they need in order to investigate and correct there error.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of this debt.
Please also be advised that this letter is not only a formal dispute, but a request that they cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim.
In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion.
I also hereby reserve my right to take private civil action against you to recover damages.
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| 01/28/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX I received a collections notice by mail from Southwest Credit ( XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ; XXXX ) for a bill of {$170.00} that it alleged I had not paid to XXXX in XXXX of XXXX.
I called the above number to inquire what the debt was for and why XXXX and/or Southwest Credit had waited more than two years to seek to collect it. I also asked why no one had tried to call or email me earlier. The Southwest Credit employee told me she didn't know what services I had allegedly received, nor why XXXX never contacted me. She could not tell me when her company had purchased the debt from XXXX. In short, all she knew was that I owed {$170.00}. She said that my choices were to pay {$87.00} as an " offered amount '' or have my credit harmed. ( For context my credit is XXXX and I've never failed to pay a debt. ) I checked my records and thankfully found email proof that I had cancelled my XXXX account and settled all outstanding charges in XXXX of XXXX. I asked why Southwest Credit was seeking to collect the fictitious debt. She said the issue would " probably go away '' and they would confirm their letter was an error.
Approximately three months have elapsed and I have not heard from Southwest Credit. I am seeking two things : 1 ) An apology for their having tried to strong arm me into paying a bogus debt ( about which they had virtually no detail and had made no attempt to verify ) ; and 2 ) Written confirmation that Southwest Credit considers this matter closed.
Many thanks for your help.
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| 06/14/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I recently ran my own credit report yesterday ( XX/XX/18 ) and discovered a debt collections company that has never contacted me has placed a collections account on my XXXX and XXXX reports. First of all, I do not owe this debt. They are accusing me of owing XXXX {$290.00}, but I dont. My XXXX account is open and paid on time every month. I called the company, Southwest Credit Systems yesterday and they claim to have sent 2 notices to an address I havent lived at in over 6 years. No one lives in that building anymore, it is closed. I imagine they will eventually have their notices returned to them by the post office as undeliverable. I have lived several places since then, and I know XXXX has my current address, as I have my current cable and internet with them right now. Southwest Credit Systems confirms theyve had my correct phone number this whole time, but they havent bothered to use it to attempt to call me. They did not give me an opportunity to dispute this debt before placing it on my credit reports. I opened a dispute about the debt with Southwest Credit Systems directly, as well as with XXXX and XXXX. I called Southwest Credit Systems again today, I spoke with someone named XXXX, to tell them they have to remove the report from my credit reports for 30 days because they never previously notified me of the debt or my right to dispute. They are required to notify me of the account, of my right to dispute, and give me 30 days to do so. They failed to do so, but they refused to make it right.
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| 08/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This is not my debt. I have reported it to XXXX and XXXX and they will not remove it. THIS WAS LISTED ON MY REPORT IN THE PAST FEW YEARS WITH A DIFFERENT COLLECTION COMPANY AND A DIFFERENT HOME ADDRESS. I HAVE NEVER HAD A DEBT WITH XXXX. This is fraudulent. I have never been contacted by XXXX OR THIS COMPANY. I did not request or use any services from this provider. I have no idea why this is on my report. EVERY FEW YEARS IT APPEARS AGAIN, I COMPLAIN FOR MONTHS TO EVERY AGENCY WRITE NUMEROUS LETTERS ; THEN IT GOES AWAY FOR A FEW MONTHS AND COMES BACK AGAIN WITH ANOTHER COLLECTION COMPANY. I want this permanently removed.This is creating damage to my good name. PLEASE REMOVE IT AND CHARGE THIS COMPANY ACCORDINGLY I do not use XXXX services now and I have never had this serviceThe bill list the service started XX/XX/XXXX. I have no knowledge and I have never used it.
SOUTHWEST CREDIT SYSTEMSAddress:XXXX , TX XXXX ( XXXX ) XXXX Account Number:XXXXOriginal Creditor : XXXXTAddress Identification Number:XXXXStatus : Collection account. {$150.00} past due as of XX/XX/XXXX.
Status Details : This account is scheduled to continue on record until XX/XX/XXXX.
This item was updated from our processing of your dispute in XX/XX/XXXX.
Date Opened:XXXX/XXXXReported Since:XXXX/XXXXDate of Status:XXXX/XXXXLast Reported:XXXX/XXXX Type : CollectionTerms:XXXX MonthsMonthly Payment : $ XXXXResponsibility : IndividualCredit Limit/Original Amount : $ XXXXHigh Balance : NARecent Balance : $ XXXXRecent Payment : {$0.00}
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| 03/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I disputed this debt and on XXXX the agency removed it from my credit report. This company runs under many different names. I would get letter stating again, that I owe the debt. I would write back as required within 30 days stating I do not owe the debt, and requested proof that I owe it. I never received the proof, because I do not owe it. I sent the last letter out to their address and the letter was sent back to me, the letter was requesting proof that I owed the debt. Now, again, on XX/XX/XXXX, they are once again reporting it on my credit report. Mind you that this debt is from more than 5 years ago. They are reporting it as new, when it is not. In the state of Nebraska the statute states that the statute of limitation is 4 yeas, and mine falls under that category. I have explained to them I do not owe the debt, and the debt I had, I paid to the original creditor. Also, that I never lived at the address one of the services were provided. I am tired of this company reporting to my credit, and sending me letter from their sub companies in order to obtain money I do not owe. I have once again disputed with XXXX, and have decided to file this complaint. They have shady tactics to obtain money from a debt account they purchased. Originally it was with SW Credit Systems, I disputed it with them as well, then they " sold '' my account to XXXX XXXX, Or XXXX, and its subcompanies. I need them to stop and not to " sell '' this account to someone else so I can go through the same thing all over again.
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| 11/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me.
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| 09/05/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received emails from my credit monitoring service about a score decrease and potentially negative records being added. I went into my credit file to find out what the problem was.
I found that a new collection account had been added to my credit resulting from XXXX attempting to collect a debt. I closed my account with XXXX in XXXX of XXXX. I personally took all of XXXX 's equipment I had in my possession to the XXXX store located at XXXX XXXX XXXX XXXX, XXXX, MD XXXX on XX/XX/XXXX. I was prepared to pay anything I possibly owed but I was told by the representative that nothing was owed on my account, and I was good to go. They said that XXXX bills are billed ahead of time, and I was paid up.
Fast-forward to XX/XX/XXXX, I received the notification from my credit monitoring service that a record from SOUTHWEST CREDIT SYSTEM was added to my credit report. Not recognizing the charge, I called them to find out that it was from XXXX.
Prior to this notification from my credit monitoring service, I received NO notification that I even owed XXXX anything. I called them and they could not tell me any details. They just told me that I had an outstanding bill. However, they did agree that it was strange that this attempt came out of nowhere, almost two years later. After multiple calls and attempts, I reluctantly paid the bill on XX/XX/XXXX, just to get it off my credit. My credit still has not fully recovered, and I'm still not convinced I really owed the {$220.00} that I paid.
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Southwest Credit XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/2023 Re : Account Number XXXX To Whom It May Concern, I am writing this in response to your recent correspondence related to account number XXXX. I accept no responsibility for ownership of this debt ; however, XXXX willing to compromise. I can offer a settlement amount in exchange for your written agreement to the following terms : You agree to accept this payment as satisfying the debt in full ( once you receive the agreed-upon amount ).
You agree to not list this debt as a paid collection or settled account.
You agree to completely remove any and all references to this account from the credit reporting agencies ( XXXX, XXXX and XXXX ) that you have reported to and validated this account.
I am willing to pay {$350.00} as settlement for this debt in exchange for your agreement to the above terms within fifteen calendar days of receipt of payment. Understand that this is not a promise to pay. This is a restricted settlement offer and you must agree to the terms above in order for payment to be made.
Should you accept, please send a signed agreement with the aforementioned terms from an authorized representative on your company letterhead. Once I receive this, I will pay {$350.00} in a cashiers check/money order.
If I do not receive your response to this offer within fifteen calendar days, I will rescind this offer and it will no longer be valid.
I look forward to resolving this matter quickly.
Sincerely, XXXX XXXX
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| 08/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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In XXXX of 2021 I received a letter from Southwest Credit systems stating that I owe a XXXX phone bill. I responded within 30 days asking for debt validation. They sent me a copy of a statement from XXXX that has no signature from anyone. I noticed that the copy they sent me is the same one that was sent to me previously from another collection company named XXXX XXXX. They could not validate the account either. I sent another letter to Southwest Credit asking for full validation or the removal from my credit report. I also stated to them that I am in the middle of a major purchase that relies heavily on my credit score and by them reporting this to my credit report may have put this purchase in jeopardy. Southwest credit just sent a copy of the same statement again with no kind of respone to what I had explained to them. I have called XXXX several times asking about a bill in my name and they told me that I do not have any outstanding bills with them. Southwest Credit has not contacted anyone at XXXX and they are just getting their information from a fraudulent statement that can not be verified. They can not prove the account number, the amounts or anything else about this account. They are going by the information they received from XXXX XXXX. They haven ; t shown me any documents showing that they have been contracted by XXXX XXXX to even try to collect on this account. Southwest credit put this account on my credit report the day they signed for my validation request
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| 03/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XXXX a collection agency by the name of Southwest credit had placed an unknown debt collection account on my credit report with XXXX which had dropped my score XXXX. However, i did call southwest collection and spoke with a manager name XXXX about the situation. I have told her that the debt is not mines and gave her the account number from the collection information that i had saw on experian. she enters the information and tell me that the account was recently open in XX/XX/XXXX but had been closed since XXXX and i need to call the original creditorXXXX XXXX XXXX bank which is now XXXX. Which is confusing. Anyway, She gave me the number to the XXXX fraud department and i had call to speak to numerous agents at once while putting me on hold. I was on call with them for about an hour, literally. Anyway, the agent at XXXX had said that she dont see an account. So i gave her my social security number but nothing had came up either. The agent had told me since i have a common name, it could be a mistake and to dispute the account with the credit bureaus. I said okay and hungup. Seven days later, my report gets updated by XXXX XXXX bank with the collection amount. So i did dispute the account with XXXX but they had told XXXX that the account is mine and XXXX didnt take the collection off my account. I had never had XXXX at the adress that they had claimed to be and, i was incarcerated in XXXX which i can show proof. And my current adress is on my drivers license.
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| 12/15/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I called Southwest Credit on XX/XX/2021. I was told by a asked the Southwest Credit employee that I owed XXXX XXXX {$190.00}. The amount on my XXXX XXXX XXXX report states I owe {$190.00}. I asked the Southwest Credit employee to mail me proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, showing principal, interest, and other charges, and for all other charges, the date of and basis for each charge. I wasn't mailed any of the documents. The only letter I was received on XX/XX/XXXX was an account summary of the debt I supposedly owe with different amounts than what the employee told me, stating I had 30 days to dispute the debt, and a NY Dept. of Consumer Affairs License Number. Because I wasn't given the documents I asked for, I emailed Southwest Credit on their website SWC Group on XX/XX/XXXX to complain about not getting any of the documents they're legally obligated to give me and to ask SWC Group to either email or mail me the documents. Today is XX/XX/XXXX, but no one at SWC Group has emailed or called me. Meanwhile, my credit score was XXXX for more than a year because of the debt on my XXXX credit report. I was turned down when I applied for apartments because of my credit score. I'm not going to pay a debt unless I have proof I owe the debt. I'm also not able to dispute a debt if I don't have the documents I need, a fact SWC Group is well aware of.
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| 04/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I sent Southwest Credit Systems a certified letter asking them to validate the debt they are alleging I owe. I asked for them to provide me with the agreement with their client that grants them the authority to collect the alleged debt, the agreement that bears the signature of the alleged debtor stating they agreed to pay the creditor, name and address of the alleged debtor, amount of alleged debt, verification that the debt was assigned to a debt collector as well as many other specific requests for validation and not verification.
Per USPS tracking number XXXX they received this request on XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail from the company stating they verified the debt and that is was due. They attached a bill from the phone company and none of the requested information I has asked for.
I replied to their letter asking again for them to provide me with validation that the debt was mine. This letter was received on XX/XX/XXXX per USPS tracking number XXXX. In the second letter I asked that they delete the debt from the credit agencies ( XXXX, XXXX & XXXX ) because they had failed to provide validation that the alleged debt was mine.
I got a second letter from the company stating that the debt was mine and due as well as more phone bills showing the alleged debt. None of the information they provided was actual validation of the alleged debt. They failed to provide any information which proves the debt belongs to me.
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| 03/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We had XXXX XXXX. Due to service issues and consistently inaccurate bills with charges that were not as agreed, we cancelled service. We returned all equipment. In early 2017 we were contacted by a collection agency stating we owed {$140.00} to XXXX XXXX. We disputed this debt as we had not only returned our equipment but we had prepaid for services that were cancelled and not refunded, yet they proceeded to file a collection activity on my credit report.
We were unable to remedy the situation with XXXX or the collection agency and filed a report with the CFPB in XX/XX/ 2017. The collection agency was unable to verify the debt with XXXX and deleted the error from my credit report.
Last month I received a call from a new collection agency Southwest credit systems that a debt of {$140.00} from XXXX had been placed with them. I explained this matter was already resolved and XXXX could not produce documentation that it was a valid debt. I told them I was disputing the validity of the debt and of the sequence of events listed above. I asked them to send documentation it was a valid debt. I never heard from them again. Today, I was alerted that they placed a collection on my credit report for {$140.00} due to XXXX.
Obviously, this debt is not valid and has already been proven as invalid and deleted from my report once. This was explained to south west credit systems yet they proceeded and are damaging my credit. I want the item deleted from my report immediately.
|
| 04/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.
|
| 02/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to dispute the following information that appears on my XXXX consumer report : SOUTHWEST CREDIT SYSTEMS Creditor : XXXX Creditor Account No. : XXXX Balance Owed : {$110.00} On XX/XX/XXXX a collection for {$110.00}, owed to SOUTHWEST CREDIT SYSTEMS, was added to my XXXX credit report. On XX/XX/XXXX I opened a despute challenging the validity of the collection reported by XXXX XXXX XXXX and requested the method of account verification and proof bearing my signature, stating that I have ( or ever had ) some contractual obligation to pay them. The " request letter '' was received by XXXX XXXX XXXX via USPS Certified Mail on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX which outlined their investigation methods. XXXX then marked the account as verified, never stating their method of verification. I then contacted SOUTHWEST CREDIT SYSTEMS via USPS on XX/XX/XXXX, requesting any proof of a contractual agreement between myself and their company. In response to that request I received a cover page with SOUTHWEST 's letterhead and a copy of a XXXX phone bill, not any sort of contract bearing my signature drafted between myself and SOUTHWEST CREDIT SYSTEMS .
Both SOUTHWEST CREDIT SYSTEMS and XXXX XXXX XXXX have failed to produce any competent evidence showing a contractual agreement was made between myself and SOUTHWEST CREDIT SYSTEMS, therefore I demand that this negative and incorrect information be removed from my credit report immediately.
|
| 09/22/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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In XX/XX/XXXX I received my credit reports and discovered Southwest Credit Systems reporting a trade line for an alleged amount of {$280.00} collecting for XXXX. I mailed Southwest Credit Systems a request for validation on XX/XX/XXXX and SWC replied with a generic one page bill ( attached ). I mailed a second demanded for validation on XX/XX/XXXX and received no reply, Southwest Credit Systems continues to collect by reporting the alleged debt on my credit report ( see attachment ).
Southwest Credit Systems failed to provide me with an assignment which is a requirement under California 's Rosenthal Act CA. Civil Code 1788.13 ( L ) Which states, " Any communication by a licensed collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. '' SWC also violated California Fair Debt Buying Practices Act 1785 ( a ) ( 2 ) which states, " The debt balance at charge off and an explanation of the amount, nature, and reason for all post-charge-off interest and fees, if any, imposed by the charge-off creditor or any subsequent purchasers of the debt. This paragraph shall not be deemed to require a specific itemization, but the explanation shall identify separately the charge-off balance, the total of any post-charge-off interest, and the total of any post-charge-off fees. '' The PDF 's provided by SWC indicate what appears to be a 1 month billing cycle for an alleged amount which are half legible ( see attachments ).
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| 05/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am sending this over because there are fraudulent accounts on my credit report. These accounts do not belong to me ; therefore, they should not be on my file. Attached you will find a copy of the claim from the Federal Trade Commission along with a copy of my license. Please remove these accounts as soon as possible. Pursuant to 15 USC 1681 c-2 subsection ( a ) you have 4 business days to block this information from my file. This request was not made in error. I XXXX XXXX XXXX, also did not give you credit reporting agency written instructions to include this fraudulent information in my consumer report. Which is in violation of 15 USC 1681b- ( a ) ( 2 ). This account due to inability to verify that the information on the account is mine and accurate, yet this account still reporting to my credit report. As stated in my last letter I am a victim of identity theft, and this was reported to the Federal Trade Commission. It is to my understanding that the creditors are required to report the same information to all three credit bureaus as written under the FCRA. As a consumer I request that you provide In FULL DETAIL the procedure that was used to investigate these fraudulent accounts. If you can not do so, please block and remove this account from my credit report as soon as possible, thank you. Please note these accounts are only reporting on XXXX XXXX XXXX XXXX ( XXXX ) Date opened : XX/XX/XXXX SOUTHWEST CREDIT SYS ( XXXX XXXX Date opened : XX/XX/XXXX
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| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 I received a Debt Collection notice, via XXXX, from SouthwestCredit ( XXXX XXXX XXXXXXXX, XXXX XXXX XXXX # XXXX, XXXX, TX XXXX ) XXXX The letter was dated XX/XX/2023, so that by the time I received it, 7 of the 30 days I have to dispute this claim had already elapsed.
This debt is not mine, so on XX/XX/XXXX, I filled out a form on the SouthwestCredit website ( https : //www.swcconsumer.com/ ) to tell them exactly that ( to dispute the debt ). Despite entering my email address and telephone number, as part of that form, I did not receive any confirmation from SouthwestCredit that the account is in-dispute. Also, when I look at my account status on the SouthwestCredit website, there is no indication that the account is in dispute. So Southwest can simply claim that I never disputed the debt, in which case after 30 days the law presumes the debt collection attempt is valid.
I then called SouthwestCredit to ask for some kind of written confirmation that my account is in-dispute. The customer support agent I spoke with ( XXXX XXXX ) told me she is not able to give me a concrete confirmation that I'm disputing the debt. After I escalated my case with SouthwestCredit customer support, XXXX 's XXXX ( XXXX XXXX ) told me that she can not give me a concrete confirmation, and passed me to their " executive relations '' dept. The executive relations department does not pick up their phone, so I wasn't able to make any progress on this issue at all.
|
| 06/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I received an alert on my credit report of a new derogatory change. I found out what the debt was and contacted the company and learned that there was a last bill in which I owed. I paid the bill and was advised to alert the collection company which I did. The collection company claimed they sent me 2 notices which I did mot receive and I advised the debt was paid with the original creditor and provided the confirmation number as well. They refuse to remove the negative information from my credit report. I do mot think this is fair treatment because I was not properly notified and I paid the debt immediately with the company I owed when I learned of the issue. The representative that I spoke to said they did not have to notify me and this its a courtesy to do so and quoted laws. When I googled the company I read many complaints and saw that they appear to have a properly notification issue and do not practice the best standards on relationship to the collection industry. This is an extremely hurtful, stressful, and quality of life impact on me. I guard my credit and take it very seriously which is why I have alerts set up and I pay my bills. Had I know of this issue prior to now it would have been handled. Being that the debt was paid in full I feel that this should mot be on my report and I would like their practices fully investigated as they appear to not do things accurately in connection to the FCRA. This company is Southwest Credit Systems LP
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| 07/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Complaint about Accounts With a Negative Pay Status I never had the XXXX service and wanted to dispute it called collections SW Credit Systems to have it removed.
I came to the terms with them that if I pay this debt they will erase it off my credit. I never purchased the service and never had an account with XXXX. I assume this would be the easiest way to solve the problem as I was told by SW Credit Systems.
I paid the balance and SW marked the debt as paid and left me with a Negative pay status. Instead of what the representative promised to remove it completely.
Company complaint about of a fraudulent XXXX bill.
South West Reference Number # XXXX XXXX credit systems XXXX XXXX XXXX XXXX TX XXXX People involved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Accounts With a Negative Pay Status LENDERTYPEBALANCE Southwest Credit Sys ...
CollectionsCOLLECTION/CHARGEOFFOther {$0.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Paid Amount Past Due Not Reported Account Details Bureau Name SW CRDT SYS Original Lender XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XX/XX/XXXX Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Remarks Paid collection.
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| 12/24/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Southwest Credit Systems continued to harass me on the phone about fraudulent debt. They said they were debt collecting on behalf of XXXX, my cable/Internet provider in the amount of {$880.00}. The date placed for collection was XX/XX/2019.
I contacted XXXX, who confirmed my account was and has always been up-to-date and paid in full. They have zero documentation of sending any past due amount to a collection agency. My cable/Internet has also never been cancelled due to non-payment.
I sent a dispute of this claim to XXXX, which was fully processed on XX/XX/2019. They indicated that it was " Verified as Accurate '' and suggested I contact you to further investigate this fraudulent claim.
It should be noted that this debt collector, Southwest Credit Systems, was relentless, calling me from several different numbers. I asked them for proof of the debt from the original payee, which they could not provide. They also demanded I give them my personal information before they told me what the claim/phone call was about, which to me seemed very suspect. I've also looked online, and have seen many others have had the exact same issue of fraudulent claims from Southwest Credit Systems collecting " on behalf of XXXX. '' I believe they are a scam but somehow operating as if they are legitimate debt collectors. Finally, it should be noted that my credit is excellent, and I have no reports of any accounts going into collection, or of any late payments.
|
| 06/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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Sir/Ma'am, I joined the military in XX/XX/2014. I had a 2 year contract with XXXX until after XXXX.
Due to the fact that my XXXX was to XXXX, I would n't be able to use my XXXX service anymore.
When cutting my contract with XXXX, I explained to the customer service rep that I had XXXX orders to XXXX. The rep told me everything was fine and that the early termination fee for cutting the 2 year contract was waived due to the SCRA.
It has been 2 years since that conversation was made, and since then I have been receiving mail from debt collectors stating that I owe XXXX XXXX or so dollars. This has had a major impact on my credit, being that this occurred 2 years ago.
I have called XXXX multiple times, and they keep telling me that there is nothing on file for my early termination, or the waiving of the fee. They have also said that Southwest credit, a debt collection agency, owns the bill now. They are the ones requesting the XXXX dollars.
Is there anything that can be done to settle this issue? I will be XXXX to XXXX in a month, and I really would not like for my credit to keep going down as the time passes.
The last concern that I have is the impact this has on my credit. If this issue does get settled, could the debt get removed from my credit altogether, or would it stay there saying I never paid a XXXX bill that was apparently " waived '' two years ago.
I would really appreciate any help I can get on this matter.
Thank you.
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| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This item is wrong and inaccurately reported on my report for a while now under different names, first started with XXXX, then XXXX XXXX and now it 's listed under Southwest credit system.
I 've contacted XXXX & XXXX in writing and requested a permanent removal to this item since it does n't belong to me, the mailed me back that the item remains and they did n't include any proof to support their investigation or any proofs pairing signature that the item belongs to me.
so, I contacted them again in writing requesting from them to provide a solid proof pairing my signature as proof of my ownership to this account, yet the failed to provide anything or documentation pairing my signature and they still stated the item remains on my report.
XXXX wo n't give me any answers or access to learn about the account since it 's not mine.
I 'm writing to CFPB today requesting to press a serious action against XXXX.
for their incompliance and violation of the FCRA, unless they are willfully give a fair investigation to this matter, provide any documentation pairing my signature or solid legal proof to my ownership to this account, and if they are n't able to provide any of the above then they should permanently delete this item off of my XXXX credit bureau reports with no reinsertion even if the same debt comes back with different entity collection.
the collection or debt info is : Southwest credit system/XXXX account # XXXX balance : {$1000.00}
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| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. I was informed from XXXX that I was effected by the data breech. Now this false information is showing as a charge off which is NEGATIVE on my consumer report.
15 USC 6801-protection of nonpublic personal information ( a ) it is the policy of the congress that each financial institution has an affirmative and continuing obligation of respect to the privacy of it's consumers and to protect the security and confidentiality of those consumer ' nonpublic persona ; information ( b ) furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records : and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvienence to any customer.
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| 01/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I have been in constant contact with Southwest Credit Systems and have formally disputed this collection attempt with them directly multiple times. Finally, I was able to get in contact witXXXX XXXX, the original account holder, who was able to give me a clearer understanding of what is going on. Southwest should not be reporting anything to my credit report and they need to remove whatever information they have placed on all 3 bureaus altogether. My XXXX account is paid in full and was XXXX has confirmed the account is in good standing. There is no outstanding payment to be collected although Southwest continues to hound me regarding this. XXXX has informed me this is illegitimate and that this needs to be completely removed. XXXX also promised that I would be removed following my final payment to XXXX directly. I have attempted to have XXXX conference calls regarding this issue with myself, XXXX XXXX and Southwest. They refuse to acknowledge the account is satisfied and in good standing with XXXX They continue to be extremely predatory and continue to ask me to make payment on something that I have disputed multiple times with them. They have yet to check and verify with XXXX regarding this. I have contacted this company XXXX times since XX/XX/23. They have not returned any of my calls for the XXXX voice messages that I left with the Executive Relations department. They know that this debt is invalid and refuse to take action.
|
| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I, XXXX XXXX, am requesting the deletion of account SOUTHWEST CREDIT SYSTE XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to SOUTHWEST CREDIT SYSTE, and the original creditor has failed to validate the alleged debt, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2021. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Please provide the original account documentation as well as your license to collect debt in the state of Texas. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. Remove this account from my credit report.
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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My husband passed away on XX/XX/XXXX. The next week, as I was making cuts on bills, I chosed to have my internet turned on, and the cable turned off. I called XXXX. The guy I spoke with told me I had a {$20.00} past due. I was prepared to pay it, but he told me not to worry about it, that he was writing off my balance. Since then, I pay my monthly bill on time every month as I'm working on my credit score.
Out of the blue, on XX/XX/XXXX, i received a notification from Southwest Credit Systems in XXXX, TX, that I had a past due balance from XXXX in the amount of {$140.00}, I needed to pay.
Today, XX/XX/XXXX, I phoned XXXX and was told by two ( 2 ) people there was no past due balance on my accounts. I asked if they could send me something that said that so that I could send it to the creditor and was informed they could not send me anything or contact the creditor, but another department could so they transferred me.
The ladies I spoke with ( there were two ), told me there was a {$140.00} balance and they demanded payment. I told them there was no money owed, so I asked them what we could do. The last one I was speaking with told me that I must pay it. I said that wasn't going to work until they could show me why two people said I owed it and two said I did not. She ended up hanging up on me. I never got rude or raised my voice. I know that I do not owe this money. I'm sure I would not have service with them now if I did.
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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Regarding previously filed Complaint Number : XXXX.
I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize and also requested validation. I do not owe this company Southwest Credit Systems anything and they have stated they will cease collection of this debt per their response to my complaint XXXX. See below, they responded to my complaint with : " XXXX has notified Southwest Credit Systems to cease and desist all collection efforts against Mr. XXXX. However, because XXXX considers this debt to be valid and owed, we will pursue all our legal rights and remedies to collect this balance. According to XXXX, the debt is valid. On XX/XX/2018, XXXX closed Mr. XXXX account in our office. SWC has ceased collection activity and is no longer pursuing the matter '' However Southwest Credit Systems LP continue to report this debt on my credit reports. I NEED Southwest Credit Systems TO REMOVE THIS ACCOUNT FROM ALL MY CREDIT REPORTS IMMEDIATELY. This company Southwest Credit Systems LP is violating the FCRA by still reporting an alleged debt to my credit reports under Southwest Credit Systems. I do not owe Southwest Credit Systems for this alleged debt and I am prepared to take further legal action if this account is not removed from all my credit reports immediately. I have never had an account with XXXX and I have previously been a victim of identity theft.
|
| 08/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a text message from XXXX that I had activity on my credit report on Sunday XX/XX/2018.
I signed in to my report to see a new collection from Southwest Credit Systems posted on XX/XX/2018 for {$300.00}.
I then called Southwest Credit Systems asking why there was a collection from them on my credit report. The operator told me it was from XXXX XXXX XXXX and to call XXXX XXXX XXXX for more information. I called XXXX XXXX XXXX because I have a cell phone account with them and asked them why they had sent me to collections. The XXXX XXXX XXXX operator told me that I was in excellent standing and that I was not sent to collections by XXXX XXXX XXXX. I returned my call to Southwest Credit Systems and told them what the operator at XXXX XXXX XXXX had told me. The new operator at Southwest Credit Systems said my collection had actually been paid, {$300.00} and that the collection account was closed with them. The operator gave me This account number- XXXX This address XXXX XXXX XXXX XXXX , CA.
I called XXXX XXXX XXXX back and asked them about any information linked to the above account number and address and they had nothing on record. I asked if they had any other accounts under my social security number and they had nothing. The XXXX XXXX XXXX operator also told me that XXXX XXXX XXXX would send me several notices in regard to my account prior to ever sending my account to collections for future reference.
|
| 02/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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This collection agency has no surety bond in the state of Texas.They are illegally attempting to collect from me.They refused to take it off my credit report.Chapter 392, Finance Code, provides for both civil remedies and criminal penalties. Tex. Fin. Code 392.402-.404. A consumer may take private legal action against a third-party debt collector or credit bureau for a violation of Chapter 392. In addition, a consumer may file a complaint with the attorney general if the consumer feels that the third-party debt collector or credit bureau has violated Chapter 392 by engaging in a false, misleading, or deceptive act or practice.
Engaging in debt collection without filing a bond with the secretary of state is a violation of Chapter 392 and may also be a criminal offense. Tex. Fin. Code 392.402. The attorney general or a district or county attorney may investigate an alleged violation of Chapter 392. If you notify the secretary of state, this office will notify the third-party debt collector or credit bureau of the bond filing requirement and, if necessary, refer the matter to the attorney general for investigation. Please report the names of any third-party debt collectors and credit bureaus that do not have bonds on file to : Registrations Unit Statutory Documents Section Office of the Secretary of State XXXX XXXX. XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX I have filed a report.I hope you will take action.Thank you
|
| 12/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Reference : LANDLORD/PROPERTY MANAGER AGREEMENT Hello I wanted to see if something can be done about how XXXX confirm documents. I recently checked my credit report and saw a collection. I called the collection company and it was a XXXX XXXX bill. I contacted XXXX Fraud department since I didn't create the debt. I was told by them that there was an agreement in place that the building owner would take over the electric bill if the tenant does not pay it. I told them I never signed any agreement with them to accept responsibility for electricity in my building. The alternative would be the electricity being disconnected until a new tenant rents the apartment.
The problem is : XXXX Someone submitted documents in my name for this agreement without my consent or knowledge.
* XXXX did not ask the person ( s ) to send any verified signature document such as copy of an I.D . or notary signature.
* This bill was in the possession of XXXX since XXXX and in XXXX they default it and hire a collection company.
* This collection can cause my creditors to close accounts and lower my credit limit which will have a negative outcome on my living expenses * This Agreement was still active beyond my control of the building. It was used in XXXX andXX/XX/XXXX Hopefully something can be done as this loophole should be closed to prevent XXXX from losing money and/or consumers being unlawfully billed for someone else bad dealings.
|
| 06/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against a collection company that is trying to collect a debt related to a phone services bill, in violation of the Fair Credit Reporting Act ( FCRA ). The collection company in question has failed to provide me with any validating information regarding the debt and has engaged in aggressive and harassing tactics in attempting to collect the debt. Additionally, the collection company has continued to report the debt on my credit report despite my requests for verification.
I believe that this collection company is in direct violation of the FCRA, which stipulates that collection agencies must provide consumers with validating information regarding the debt they are attempting to collect and that they may not engage in aggressive or harassing tactics in attempting to collect the debt. I have attempted to dispute this debt with the collection company but have been met with unprofessional behavior and inability to verify the debt in question.
I respectfully request that the CFPB investigate this collection company and take appropriate action to hold them accountable for their violation of the FCRA. I also ask that you help me verify this debt to ensure that it is legitimate and has not been reported erroneously and have it removed from my credit report immediately.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check.
I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Delete Collections from Southwest Credit System from XX/XX/2021. Your company is in clear violation of the law under 15 U.S. Code 1602 p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
15 USC 1692b Not state that such consumer owes any debt ; Analysis A debt collector seeking location information must identify themselves by name, but must not identify his employer unless asked. When asked, however, the collector must give the true and full name of the employer to comply with this provision and avoid violating other sections of the FDCPA. An individual debt collector may use an alias if it is used consistently and if it does not interfere with another partys ability to identify him ( e.g., the true identity can be ascertained by the employer ), and the collection laws of his or her state allow the same.
15 U.S. Code 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Best Regards, XXXX XXXX
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Dear [ Creditor or Credit Reporting Agency ], I am writing this letter in response to the information provided in my credit report. Pursuant to 15 USC 1681e ( b ), I am exercising my right to dispute the accuracy of the information contained in my credit report.
I have reviewed my credit report and found that there are errors and inaccuracies that need to be corrected. Specifically, [ describe the errors or inaccuracies in detail, including the account name and number, and any other relevant information ]. I have attached copies of supporting documents that prove the inaccuracies in my credit report.
According to 15 USC 1681i ( a ), the credit reporting agency has 30 days from the receipt of my dispute to investigate and correct any inaccurate information. I request that you investigate and correct the inaccurate information in my credit report as soon as possible.
Furthermore, I also request that you provide me with a written report of the results of your investigation, as well as a copy of my updated credit report. If you need any additional information from me, please let me know.
I would like to remind you that it is your legal obligation under 15 USC 1681e ( b ) to ensure that the information in my credit report is accurate and up to date. Failure to comply with these code compliance procedures may result in legal action.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please re open a previously closed complaint # XXXX.
Theie response is not accurate and has not been vetted. I have been and currently am a solid and loyal customer of XXXX for over 12 years now. I pay {$300.00} every month for 4 phone lines. This makes absolutely no sense to open an account for a month then turn around and not pay it off. They can check my name in their system and it will show this same information.
As a matter of fact My XXXX YEAR OLD daughter was at the mall XXXX shopping without me and decided to ask the kid working at XXXX how to upgrade her phone. The kid working at XXXX told her she just needed to pay a fee upfront and sign her father 's name which is XXXX. The XXXX rep did not ask for any ID AND LET MY XXXX YEAR OLD DAUGHTER UPGRADE A PHONE I JUST FINISHED PAYING OFF TO THE NEW XXXX XXXX. Now I'm stuck paying on a new phone XXXX again for the next 2 years. XXXX OBVIOUSLY HAS People working there doing shady /unfair and illegal transactions just to make a sale. They can pull their video tapes and check.
THIS GOES TO SHOW HOW XXXX ONLY CARES ABOUT MAKING MONEY AND Doesn't check IDs I presume this is what happened in 2016 when someone used my information at XXXX and now I'm being penalized for a debt I did not create. This makes absolutely no sense at ALL why would I get a phone and text myself ... There are only 4 of us in my home and ive been paying for 4 phones for years.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re- investigation.
Thank you,
|
| 02/27/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I blew the engine on my XXXX XXXX back in XXXX of this year. When I called XXXX for tow I was told my card on file did not allow them to auto-renew membership - debit card was replaced so they only had the old card on file. Rep I spoke with said best he could do given the fact that it was after hours was to sign me up for basic membership which allowed 7 mike tow. I had the car towed from XXXX to my office in XXXX and called the next morning to speak with a supervisor. I was told by the supervisor that seasoning period is 3 months on account until account can be upgraded to the 100 mile tow but that given the circumstances, she would only require one week seasoning period.
Car sat parked at my office for a full week and was towed immediately after 55 miles to XXXX XXXX. Two weeks later I receive a bill for {$250.00} from XXXX for the tow. Called and spoke with a supervisor and they admitted the error and said it would be rectified. 3 months later I get a letter from a collection company stating I had been now sent to collections. I called the collection company and let them know it was in dispute then called and spoke with XXXX supervisor again. I was told by supervisor that they would look into this and give me a call back.
Never heard back from anyone and today the collections account hit my credit. I keep getting the run around from XXXX and am now being forced to pay heavily for their errors.
|
| 10/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
At the beginning of XXXX, I received notification of a debt sent to collections via XXXX. The debt was for a XXXX account claiming to be under my name. I sent disputes to the collection company, XXXX XXXX XXXX, and it was removed from my credit report due to the account not being valid. I was able to provide verification of my cell phone number and address that didn't match the information on the collection account. The account was deemed unverifiable and removed from my credit report in XX/XX/XXXX. Since then, the account was sold to a new company, Southwest Credit, and is currently back on my report as of XX/XX/XXXX. I sent the same verification request to the new collection agency and they can not verify my account. The only thing they sent me was a bill dated back in XX/XX/XXXX. I've been a XXXX XXXX customer since XXXX, the cell number on the documents are not mine, and the address has a XXXX XXXX XXXX Oklahoma where I don't reside. I've lived in California since being stationed here in XXXX with the XXXX. This is extremely frustrating because I'm in the process of buying a home and this unverifiable debt is causing my interest rate to be higher. I shouldn't have to keep redisputing the same account every 6 months and would like assistance in finding a solution to this matter. This company can not provide proof that this debt is mine or copies that show that i have agreed to pay this debt.
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am in receipt of a letter from Southwest Credit System informing me that they are handling the " collection '' of account # XXXX for {$160.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Southwest Credit System & myself, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding proof of contract to substantiate Southwest Credit System 's claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and Southwest Credit System continues to report this fraudulent ( on Southwest Credit System 's behalf ) and unverifiable item on my XXXX, XXXX and XXXX reports. Southwest Credit System has yet to provide a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account on ( Southwest Credit System 's behalf ), I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have unknown information on my credit report I am reporting that there is inaccurate information on my credit I was not aware of i recently pulled my report and I found that I had 16 name spellings and various addresses with inverted information numerically and many other errors or co panics that I have never done business with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, XXXX XXXX XXXXXXXX APT XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, T XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX XXXX TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Companies XXXX XXXX XXXX XXXX XXXX was a co sign inaccurate account amounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS MY PERSONAL XXXX INFORMATION XXXX SOUTHWEST CAPITAL SYSTEMS I GAVE NEVER DONE INQUIRIES WITH THESE COMPINES NATL CREDIT ADJUSTERS GC SERVICES
|
| 03/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I keep getting phone calls from a supposedly debt collector, " Southwest Credit Systems. '' The caller does not leave any voicemail. When I call the phone number back, the automatic response goes " all call may be monitor or recorded '' and " this is an attempt to collect debt and any information obtained will be used for that purpose. '' I talked with an actual person when I press XXXX for a representative. I asked the person whether or not that " South West Credit Systems '' is a legal business and she had to refer to her supervisor was probably standing beside her because I heard whispering. She said she can not answer that question. I then ask what is the company 's phone number ; she was short with me and said that it is whatever number I called. I repeated the same question, but she would not say. I asked for the company 's address and she said it is somewhere in Texas. When it was too much for her to answer my simple question, she said that she could not speak to a third party ( who I am supposedly ).
The following phone numbers are the calls I get from " Southwest Credit Systems '' XXXX XXXX XXXX XXXX XXXX XXXX I looked up Southwest Credit Systems ( XXXXXXXX XXXX ) , and it does exist but with an area code of XXXX in Texas. That company has a tarnished reputation from all the reviews I read. I am sure the scammers are using Southwest Credit Systems 's name for legitimate appearances.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX closed XXXX acct & returned equip In XXXX , XXXX XXXX XXXX web portal indicated I had a CREDIT balance due me of {$180.00}. This credit balance was discussed in multiple conversations with XXXX thru X/XX/XX . In all communication I maintained that I disputed any amount due XXXX as their portal and my accounting indicated otherwise. XXXX verbally acknowledged my position and assured me they would reconcile the acct. Never heard from XXXX again. In XXXX XXXX XXXX placed an unsupported debt in the amount of {$84.00} with SouthWest Credit of XXXX TX. No supporting documents or debt description was provide d. Southwest Credit failed to contact me regarding this claim and filed a collection action against me in XXXX XXXX with no phone or written attempt to resolve the already disputed item. I have had good credit for 30+ ye ars and a FICO score in the XXXX range. I applied for a mortgage in XXXX XXXX and was declined because of this single {$84.00} disputed collection item. Aside from every bit of the activity of XXXX an d Southwest Credit b eing unjustified and unsubstantiated they have placed undue and unwarranted derogatory claims against me that are impeding my ability to secure credit. I have filed disputes with all XXXX credit agencies, XXXX ( ER ticket # XXXX ), online wit h SouthWest Credit ( via their contact us web form ).
|
| 05/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX we discontinued our XXXX XXXX XXXX service. We were forced to move from our home and we tried to keep th e service.But XXXX XXXX XXXX did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was XXXX balance and due to the circumstances they were not going charge us early termination fee as we were keeping our XXXX service. And it was all bundled together when we signed up. In fact we even paid a XXXX $ deposit for the service when we started. XXXX XXXX XXXX continued billing us and still had our account messed up as it was still linked to XXXX . It was n't until XXXX of XXXX that XXXX XXXX XXXX shut down our verse account and made it a XXXX bill. We have disputed this bill over and over for a year to the date. The bill is now in the posse ssion of Southwest Credit Collection Agency. We disputed this bill in there office.We have requested a full explan ation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper. It is in violation of FDCPA law 805 se ction B. They did n't even send us our bill as requested. They are now claiming early termination charges as well as misc charges in which we or southwest credit collections ha s no clue.
|
| 05/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
In XXXX of XXXX we discontinued our XXXX XXXX XXXX service. We were forced to move from our home and we tried to keep the service.But XXXX XXXX XXXX did not offer service in our new area. Forcing us having to cancel service. When we canceled our bill was XXXX balance and due to the circumstances they were not going charge us early termination fee as we were keeping our XXXX service. And it was all bundled together when we signed up. In fact we even paid a XXXX $ deposit for the service when we started. XXXX XXXX XXXX continued billing us and still had our account messed up as it was still linked to XXXX . It was n't until XXXX of XXXX that XXXX XXXX XXXX shut down our verse account and made it a XXXX bill. We have disputed this bill over and over for a year to the date.
The bill is now in the possession of Southwest Credit Collection Agency. We di sputed this bill in there office.We have requested a full explanation of bill. When they sent us a bill they also sent us another bill from a hospital. Which is n't ours. It also has the hospitals account number as well as the hospitals foundation number on the paper. It is in violation of FDCPA la w 805 section B. They did n't even send us our bill as requested. They are now claiming early termination charges as well as misc charges in which we or southwest credit collections h as no clue.
|
| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
As the debtor, I am asserting my rights pursuant to 16 CFR 433.2, and it has come to my attention that there has been unauthorized administration of the XXXX XXXX for alleged account # XXXX. SOUTHWEST CREDIT SYSTEMS Third Party Debt Collector has abandoned claims alleging that they have authority of this Executor Office to administrate for the XXXX XXXX. I believe this to be being done fraudulently. I have received no written evidences of such delegated authority to represent that the office of the registered agent and SOUTHWEST CREDIT SYSTEMS is authorized to administrate ( acting trustee ) on the XXXX XXXX ; together with a certified copy of signatures contract between the office of the registered agent and XXXX XXXX, the registered agent and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, resulting in aggravated identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for proper jurisdiction. Consumer pursuant to 15 usc 1692a ( 3 ), I am disputing this debt and ALL claims in accordance of 16 CFR 433.2, 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC articles that should apply.
|
| 07/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This is a formal complaint against SouthWest Credit Systems, located in XXXX, TX. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they 're reporting an erroneous & unverifiable collection account on all 3 of my credit reports and not to mention an account in which I 've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Southwest Credit Systems has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
|
| 11/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020 my XXXX XXXX account had a report of a collectors report, that severely dropped my credit score. It states that on XX/XX/2020 my XXXX account ( that Ive had for 5 years ) reported new to Southwest creditors to collect {$45.00} from me. Ive never received any documents neither from XXXX, nor from Southwest Creditors regarding this debt, and my account is on autopay with XXXX and is in good standing, working without a problem.
I went to XXXX office, who looked at the history of my account with them and reassured me I owe them nothing, my account works fine and I dont have any outstanding past or current bills and that my account has and had no problems.
So I call this southwest creditors to find out more about the debt they claim I have. They use my wrong last name, say that I used to have an account with XX/XX/XXXXXX/XX/XXXXfor which I owe money, but tell me about my current XX/XX/XXXX account that I was told by XXXX has and had no problems. Southwest debt collectors fail to justify any information about the debt they say I have! They also never ever contacted me prior to dropping my credit score severely. This whole situation makes no sense and I feel like Southwest creditors commit fraud by accusing me to owe money to XX/XX/XXXX that I have to pay to them, yet XXXX has no knowledge of such bills that I failed to pay. Please help me in this highly unpleasant situation.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
i called southwest credit systems since they are reporting a balance owed from XXXX on an account closed in 2015. Southwest credit systems has never contacted me about this debt but have been reporting and damaging my credit for almost 2 years. they have an address from 2015 where they claimed they have been sending mail when I moved from that location in 2015. southwest has had more than one account for me so they had valid contact addresses before today. that is a tactic to state that they could not reach me when they are purposefully sending the communication to the wrong address also the gentleman I spoke to had my cell phone # because it is the same cell # I had when I had the account -- he actually asked me is that still a good # -- so they had it all along and they could have called to verify if by some strange chance they did not get the flipping memo. This company is using workarounds to report and damage peoples credit and they need to be stopped, I have rights that were violated by them not notifying me at the correct address and I do not recall EVER receiving a phone call from this agency. they need to make corrections to my credit report for not following the law.. also my address has been updated through the postmaster on my credit reports and public information if they bothered to check instead of sending correspondence to a 4 year old address -- and the balance is wrong
|
| 06/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an account opened with XXXX in XXXX the payments got to high so i canceled with them leaving me with a balance of {$380.00}. They were billing me one month in advanced and a partial month. I payed the partial i refused to pay for services that i did not use i returned the equipment and the lady told me i was all set with a XXXX balance. Mind you i have two accounts with them in witch one account stood open actually till this day witch i am in good standard with. For the last two years never heard nothing till XX/XX/XXXX got a letter from Southwest Credit asking for money the balance was {$360.00} they offered to settle at {$230.00} That was sold to a 3rd party collection agency. In the letter they stated i could either resolve it or dispute it, so i started disputing it with XXXX. I opened an investigation and it was requested to be deleted from any consumer credit reporting agency.XXXX had ceased all collection activity and it was deleted off my credit report. All of a sudden my credit drops down 10 points and to my surprise i am in collection once again. This is uncalled for i had fought for this to be removed I was not found at fault this is my credit and it means something to me i have been working on it for a long time please look into this for me and help me in any way you can i would greatly appreciate it so much. Thank you in advance for your time and patience.
|
| 03/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I used to be a XXXX customer and happened to getting internet service only from the company until on XX/XX/XXXX I've decided to leave the company after increasing my bill for up to over 50 % of the original package which was $ XXXX/month I had with the company when I first signed up with them back to XXXX. On XX/XX/XXXX I have made a payment in the amount of {$190.00} with XXXX which was the amount due on my internet bill at that time and to my knowledge my XXXX account for my internet services should automatically become current but that payment had never reflected on my account ; therefore I have switched to XXXXXXXX on XX/XX/XXXX which is the first bill I have received from the company. However, I've decided not to pay the month of XX/XX/XXXX with XXXX due to the fact I have contacted XXXX and paid for new internet services ; therefore XXXX has disconnected my services in the first week of XX/XX/XXXX then sent me a notice of disconnection on XX/XX/XXXX for past due balance of {$100.00}. On XX/XX/XXXX XXXX has released my bill report to a collection agency called Southwest Credit stating that I owe the company {$220.00} which is totally false and I have proof that my account was paid and current with XXXX on XX/XX/XXXX and besides XXXX has charged my account again for unreturned equipment which was returned in XX/XX/XXXX and I have a confirmation email from XXXX as proof.
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.
|
| 04/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have never came into a valid contract with southwest credit systems.
At this time they are violating my consumer rights by not sending me a letter to find out how to dispute this matter.
They are also violating my consumer rights by reporting that I owe a debt to them without first validating the debt amount of {$160.00}.
I have sent out a debt validation letter to Southwest Credit Systems.
XXXX XXXX the CEO of the company on XX/XX/2021.
Southwest Credit Systems, in accord with the Fair Debt Collection Practices Act [ 15 USC 1692 et seq. ], provides verification of the debt, as being true, correct, and authentic, sworn by oath or affirmation with wet-ink signature signed under the penalty of perjury ; or provide a copy of a judgment, sworn by wet-ink signature signed under the penalty of perjury that the foregoing is true and accurate copy of the original recorded with the appropriate public and government offices against claimant.
Notice is hereby given to Southwest Credit Systems to CEASE AND DESIST from any further collection activities prior to validation of purported debt in regards to Alleged Account : XXXX, pursuant, but not limited, to the truth in lending laws of the United States Code, Title 15, Sec. 1601 et. seq., the Fair Debt Collections Practices Act laws of the United States Code, Sec. 1692 et. seq. and the conditions stipulated in this presentment
|
| 02/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To Whom It May Concern, This Company who had previously been operating as XXXX XXXX and Now operating as SouthWest Credit Systems both collecting for previously XXXX and now apparently, XXXX has taken it upon themselves to re-vive a resolved and removed item from XXXX of XXXX.
The item was closed and resolved here. It is file number XXXX They have since afreshed the file and placed it once again on my credit file causing my XXXX XXXX to XXXX XXXX points in a little XXXX XXXX XXXX
They replaced this item on my credit report last month out of the blue sky. They are fallaciously showing that I opened this account in XXXX of XXXX to make it seem as if the debt is current. This is awful.
This company, whoever they are operating as, uses underhanded tactics in efforts to try and collect old debt from customers. They harmfully go after a consumers credit file as they know that is most damaging.
And they have become awfully familiar in doing so.
Below are just the copy/paste details of this matter from XXXX of XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
I was a XXXX customer for approximately 10 years. I was no longer under a contract, so I decided to change phone providers. I informed XXXX that I was stopping service. After trying to change providers, I was informed that the phone was locked by XXXX . I called them again and asked why the phone was locked since I had paid cash for it. They instructed me on the procedure to unlock the phone. At no time was I told that I would have to pay a full month 's bill after cancelling service. I received a letter informing me that I did n't give a 30 day notice, so I would have to pay for the following month. I told them that I was not under contract, so that should not be an issue. They, then turned my case ove r to Southwest Credit. Th ey called me and informed me of the debt collection. I told them that I had discussed this with XXXX and since I was not under contract, I did not feel that I owed them anything. I never heard from any one else about this, so I thought it was resolved. No one ever informed me I could to file a dispute or a complaint. I was a XXXX employee and have XXXX XXXX through the government. They sent me a notice that I had a bad report on XXXX . I called XXXX and they suggested that I go this route for some kind of resolution. I do have the money to pay this, but It is the principal of not being informed of my rights by either company.
|
| 05/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I opened a cell phone account with XXXX XXXX somteimes in 2017 at the XXXX XXXX Branch on XXXX XXXX, XXXX, CA. I used the phone for barely a week, returned the phone back to the location, paid the re-stocking and the usage fees and cleared the account. Few month back I pulled my credit report and noticed a {$52.00} debt collection being reported as not paid for 15 months. At no times, XXXX ever contacted me, or sent a letter of unpaid charges ( if any ) or made an attempt to notify me. This in my books a fraud and illegal misuse of an account by a XXXX loaction/XXXX. They sold the account to the debt collector in XXXX, TX ( XXXX XXXX XXXX, XXXX, TX XXXX ) XXXX named SOUTHWEST CREDIT SYSTEMS. This debt collector agency and XXXX XXXX both gave me run -around for about 3 months with every time something new to inform or for me to do.
Due to their negligence, I am unable to secure a good car loan rate due to 15 months of late/unpaid payments showing up on my account. After getting fed up, I cleared the account and paid the {$52.00} but my credit is scared forever showing 15 months of late payments. It's their unwillingness to cooperate, investigate and or clear the account resulted in a painful experience for me.
Again, we are talking about {$52.00} and I had no problem paying but it was a matter of principal, right business practices and legally to help the consumers.
|
| 09/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
XXXX/ XXXX has been putting an account on my credit report as long as I can remember. Since XXXX I tried to solve the matter with them advising that it was not my account or responsibility as I was a tenant only where the services were provided. I have disputed this account ever since with credit bureaus and they continue on reporting the account with different collection companies. I have proof since XXXX that this account was meant to be deleted on XXXX for {$1300.00} under the collections company of Southwest Credit Systems and this is after my second time disputing the account. Now, this same original creditor appears in my credit report with a different collection agency named XXXX XXXX XXXX but with a higher amount of {$1900.00} as of XX/XX/XXXX, and an opened account date of XXXX with an expiration date in the year of XXXX. Per the credit bureaus representatives, they can continue to dispute as I request but if the creditor continues to open accounts under different collectors they are required to report. Which makes it NOT FAIR because even if this account was to be mine, they would continue on reporting for the rest of my life?!
This is affecting my credit tremendously and my finances as well, as it makes it hard to get a good interest rate on anything with low credit as this is the only account in collections that continues being so incorrectly persistent.
|
| 06/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am a federally protected natural person who is living and breathing. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable with fines and jail time. Additionally, these misstatements are punishable as perjury. This account found within my credit report is not related to any transaction that I made. I have reached out to this company on several occasions to get them to verify the accuracy and validity of this account. They have failed to respond with any adequate documents showing any evidence that this account was indeed created by me and that the amount they are reporting to my credit report is accurate. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown unverified account on my credit report without doing a proper investigation of the account first. This has caused me to suffer by being denied access to credit, not being able to take care of my family, and its defamation of my character and credit.
|
| 06/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I was sick in the Winter of XXXX and then got XXXX at the beginning of this year. Due to those hospitalizations, I did not receive a lot of mail on time. One of those mailings was from XXXX who turned it over to be collected by Southwest Credit Systems a.k.a. Southwest Credit Group. When I got well, I tried to call XXXX and they informed me they had already turned it over. I then immediately called SWC Group and paid the bill. I then asked politely for it to be removed from my credit so that I didn't have to suffer a bad ding on my credit for the next 7 years ( SWC Group had only put it on my credit in the middle of XX/XX/XXXX ) and I was told that they don't remove but would mark it paid. This is not acceptable. It was only on my credit for 2 months and I didn't have a chance to dispute it, validate it, or pay it prior to it being put on my credit, because I didn't get the notice in the mail.
I then wrote a nice and professional letter to the CEO of SWC Group, XXXX XXXX, asking him in good faith to please remove this from my account, but I never got a response.
I am a Veteran, who served this country in the XXXX XXXX and can not even get my VA loan to purchase a home due to this issue and I do not believe it is right. I can understand if I let it sit on my credit for years and ignored it, but I took care of it right away and expect them to be understanding.
|
| 03/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My wife and I had XXXX internet for several years. We initially bought our modem when we began our service. We moved XX/XX/2015. XXXX XXXX XXXX send us a new modem that we did not need. The technician came to set up our new service and told us we needed to ship the new modem back. We kept the modem that we bought. XXXX XXXX XXXX at that point began charging us a rental fee each month even though we returned the modem. XX/XX/2015, we moved again and at that point ended our service with XXXX XXXX XXXX. We got a final bill saying that we owed them for the modem we were renting. Even though we sent it back. An XXXX XXXX XXXX representative reviewed our account and said that we were actually owed a refund for the rental charge they had been charging us monthly and we were wrongly charged for the non returned modem. They sent us a refund check. Weeks after this, we were still receiving a check saying that we owed approximately {$130.00} for the non returned modem and would be turned over to collections. At that point, I called XXXX XXXX XXXX back and another representative reviewed our account and admitted we were wrongly charged and this would be taken care. We kept receiving letters. I have been on the phone with XXXX XXXX XXXX over 4 times. We now have a collection agency calling us. We worked hard to get our credit scores above XXXX and this has really hurt us.
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom it May Concern, SouthWest Credit Systems was reported for reporting incorrect information on my credit report. The removed the negative collection item from my report after my first report to the CFPB. They illegally placed my account in collections again, and I was notified today by my credit monitoring system. I was not notified by mail, and in fact the collection is a totally different amount then the first collection attempt. I've asked on several occasion to prove a initial contract between Southwest Credit Systems and myself as the original contract and debt. They were unable to prove that I owed them any money. This the second time that they place this fraudulent information back onto my credit report. I will be bringing a lawsuit against them as they have violated ( Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. ) per my attorney. They've also been calling and making threats. The original agreement from Southwest Credit stated that I owed them XXXX dollars and my credit report now states that I owe XXXX dollars. Which both amounts aren't factual as I've never entered an agreement with Southwest Credit Systems.
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| 09/28/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX amount {$880.00} XX/XX/. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
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| 05/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Servicemember |
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On XX/XX/XXXX I was notified by a Credit reporting agency that a collection account had been added to my credit report.
I was not aware of any debt I had as I don't have any past due bills.
I filed a online dispute through XXXX.
On XX/XX/XXXX I received a letter from a collection agency Southwest Credit saying that I owe XXXX {$280.00}. I called the number and asked to have the negative credit report removed until there was the 30 day time period to verify the debt.
The person had no idea how to handle to call and forwarded me to a recording where I had to leave my name and phone number.
It appears this company has been " collecting '' this account since XX/XX/XXXX and states it is 3 months late. Although I have not had a notice or phone call as to a debt.
This so called debt was brought up last year around this time by XXXX and when I disputed it XXXX could not verify it and the negative report was removed and that was that.
Now this collection agency has bought it and trying to collect on a debt that is not valid and has reported contacting me.
They said they sent a letter to an address lived at over 7 years ago. Yet today I got a letter in the mail at my current address 9 days after they reported late collections on my credit report. XXXX was given current address and phone number last year while verifying that I did not owe the debt.
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| 07/16/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I disputed this account and nothing was sent to me to legally verify this account that i truly belongs to me and that the company has the right to legally collect the {$210.00}. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 02/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX
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| 04/28/2021 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
Servicemember |
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Southwest Credit System has called me repeatedly daily, several times throughout the day too often and I feel harassed and abused. I have requested that this collection account be validated under the Fair Debt Collection Practicing Act, 15 USC 1692g Sec. 809 ( b ). I have requested the following listed below but I have not received any of what I requested : The agreement with their client that grants them the authority to collect on this alleged debt, The copy of the actual agreement that bears my signature for this account and any agreement also bearing my signature authorizing the release of my personal information and any insurance claims been made by any creditor regarding this account.
I know that this is a violation of the FCPDA. This collection on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the {$1000.00} 's.
I am a XXXX with Severe/Complex XXXX and the constant calling and harassment has contributed to the exacerbation of my medical condition.
This company is NOT registered to collect a debt in the state of Maryland according to https : XXXX. I am aware that Maryland law requires collection agencies to obtain a license from the Department of Labor, Licensing and Regulation in which they have not done so. Southwest Credit System is practicing illegally in Maryland.
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had a XXXX account years ago that had 3 different telephone lines on it, I ported 2 lines to XXXX and asked the 3rd line transferred to my sister as a separate account which had her own information tied to it. As far as I knew it was her account and her responsibility. She paid her bill on time and I never received any bill or information about her account. I returned to XXXX about a year later and re-ported the numbers to a new account, which I currently use daily. I lost contact with my sister for a few years, but was made aware that she was evicted from her prior home. During this time I applied for credit and found out that she defaulted on her XXXX account and it showed up on my credit report. I was not made aware of this prior. My best guess is perhaps something was mailed to her prior address with my name, though I've never lived with her. The XXXX debt collector, Southwest Credit Systems , has not made an attempt to reach out that I am aware of or I would let them know it was not my debt. I am a current customer of XXXX and was when she apparently went into default, so I am unsure why accommodation was not made or any request to merge accounts was done if it was still under my social security number, which I asked that it not be. This is having a detrimental effect on my credit for such a low amount. I would like this resolved.
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| 01/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Southwest Credit collections made a payment arrangement with me in XX/XX/XXXX with preauthorized ACH payments for a XXXX debt I had after a divorce. The payments so far have been made on time and accordingly. When setting up arrangements I asked if this would impact my credit since I am satisfying the debt. The representative assured me since it was being taken care of and satisfied, then it would not be reported. The payment arrangement was 3 equal monthly payments totaling the amount owed, starting XX/XX/XXXX, with a final payment date of XX/XX/XXXX. When I checked my credit report in XX/XX/XXXX after the first payment, the agency had reported the debt. I called the agency to clarify there was payment arrangements made on the account and that I was told there wouldnt be any report to my credit. The agency said it wasnt there problem and they couldnt do anything about me getting false information. I had to pay it in full and they still wouldnt remove it from my credit even though they mistakenly did report it. Now my credit has gone down even further while Im trying to refinance my home to be more affordable after recently being divorced and being unemployed for almost a year. I finally am employed and am financially stable, so this has prevented me from making future adjustments because of the negative effects it had on my credit.
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| 01/11/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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DEAR SOUTHWEST CREDIT SYSTEMS ; XXXX ; I have disputed this item with the XXXX XXXX XXXX and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. XXXX. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? XXXX. Please evidence your authorization to do business or operate in this state. XXXX. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. XXXX. Please provide a complete account history, including any charges added for collection activity.
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| 04/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
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Web |
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I had an account with XXXX XXXX XXXX . I did n't realize that I did n't return my equipment to the company until I began receiving phone calls fro m Southwest Credit Systems. W hen I first received the call I told them that I still had the equipment. They instructed me to contact XXXX XXXX XXXX to have the issue resolved. I had to cancel my account because I was moving and the company did n't offer the services in that area. I returned my cable and internet equipment to XXXX XXXX XXXX . They claim they have not received the equipment and they are unsure of where it XXXX be. I have been calling them at least twice a week for the past month and half. No one at XXXX XXXX XXXX seems to want to offer me any help. They stated that there is nothing they can do as the equipment should 've been returned 60 days after closing the account. I said no where does it state that they ca n't accept any equipment from me because it has been over the 30 day period. I have asked to speak with supervisors who have told me they would contact me within 72 hour s of creating an investigation as to where my equipment may be. As of now it has been XXXX days later and still have n't received a response. As a result of that, Southwest Credit Systems calls me every day at least 10 times a day from various different numbers.
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| 05/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was contacted by Southwest Credit Systems around XX/XX/XXXX and was advised it was an attempt to collect a debt and they needed to verify my information before telling me what the call was about or any information at all. I advised them that I'm not providing info over the phone and I never received a letter about any debts owed to them. The caller hung up. I received various calls from the same number ( XXXX ) so I continued to block the calls. They then called from a Texas number with area code ( XXXX ) where a man with an accent did the same thing. I verified my DOB and he transfered me to someone else. I spoke to someone named XXXX and she said it was a balance from XXXXXXXX/ XXXXXXXX cable from XXXX. I advised her I was not aware of any debt and we currently have XXXX in my husband 's name and its been like that since we've moved here in XX/XX/XXXX. I advised her to send me proof of the debt and she advised on the XXXX account it just has my name but no address or any other info.
She said she would send me a letter to dispute and to validate the debt. I have not received anything but they did put it on my credit even after I've never received any notification or letter from them. She advised she would file a dispute. How can they be allowed to place this on my credit without validation and I have disputed this?
|
| 12/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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On XX/XX/2019. I received a notice from my credit monitoring company that a New Open collection was placed on my credit report. ( Southwest Credit Systems ) located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are claiming that I owe them {$410.00}. Yet, they have not proved that they are allowed to collect this debt, or that this debt actually belongs to me. This Company did follow proper FDCPA, laws and because they place this bogus collection on all three of my credit reports, this debt collector is unaware of my case ( through error or negligence ) without proper validation of this debt my day to day, life activities have been destroyed. FDCPA, law also states a collection company/debt collector must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. This said collection account was also included in my bankruptcy, had they contacted me properly, and or my attorney they would know that a current Chapter XXXX, is currently in affect. Which, all collections activities are protected, and could off had immediately correct its action after learning of the bankruptcy case. I seek that this negative, bogus, information be deleted from my credit report immediately. Thank you.
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After careful review of my consumer reports, I noticed an account on my report from Southwest Credit System account number : XXXX.
I have not received any goods or services from this company ; nor have I ever done any business with the company. I am unsure of how this company illegally obtained any of my information as far as my name, ssn, and dob. As I know that only a contract/ signed agreement between Southwest Credit Systems and myself would make me legally bonded to any debt that they may claim. I am very sure that I have never provided any wet signature or provided any of my personal information to this company on any agreement.
With that being said, had Southwest Credit Systems sent a Debt Validation Notice as they are lawfully required to per FCRA ; I would have been able to rightfully dispute this account before they unlawfully caused harm to my consumer reports. I am requesting that Southwest Credit Systems provides proof of delivery/receipt that they have sent a debt validation notice. I have never received any written or verbal communication as directed via FCRA Law allowing me the proper opportunity to dispute this invalidated debt.
Consider this a demand to cease and desist as well as a notice of unlawful conduct of failure to distribute proper notice. Please remove this account off my consumer reports.
|
| 03/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Southwest Credit has reported an account in collection to all 3 credit bureau. I do not recognize this account. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note this is a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent. If your office fails to reply to this debt validation within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
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| 06/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I started receiving numerous robocalls from Southwest Credit Systems several times a day from different numbers, all tracing back to them, about a bill they are trying to collect on. One day I answered and told them to cease and desist after they tried to get me to verify an account. I told them to send me any communication they need to in the mail. They proceeded to report the account on all 3 of my credit bureau reports. I do not owe this compan y ( Southwest Credit Systems ). I have not signed anything with them. I do not have a contract with THEM. They called multiple times before the cease and desist request, in an attempt to abuse and harass. The called from XXXX twice in a row on X/XX/17 , from XXXX twice in a row on X/XX/17 . XXXX 2 times in a row at XXXX and 2 times in a row at XXXX and XXXX on X/XX/17 . From XXXX on XXXX and XXXX . They called 6 times from XXXX on XXXX . XXXX , XXXX , XXXX , XXXX , XXXX , XXXX and 6 times from same number on XXXX . XXXX , XXXX , XXXX , XXXX , and XXXX , XXXX . I know this because I have screenshot all of these calls, all made during a time when I was at work and could not answer the phone. Again, I do not have a written contract with this company and they have not sent me anything showing my signature on anything I owe to THEM.
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| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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Dear Southwest Credit Systems ; XXXX ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
|
| 06/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
|
XXXX/dba/XXXX/dba/XXXX RE-AGED and RE-ADDED a UNOWED debt of {$620.00} on XXXX XXXX, placing it on my XXXX, XXXX, and XXXX XXXX XXXX On XX/XX/2017, I, XXXX XXXX XXXX filed a complaint here with consumer finance ( see attachment ) case # XXXX. Within this complaint ( # XXXX ) the debtor sent a request to all three credit bureaus to remove the account from my credit report, in which they did. Fast-forward years later an alert from all 3 major credit bureaus of the collections placed onto my credit report.
The debt was RE-ADDED to my credit report as a new account ( which is the same old account ), with the same debt amount.
The debtor did not communicate with me at any time concerning re-adding this un-owed debt, including never sending written correspondence to my home address, meaning they never identified who they were, who they are collecting on behalf of, nor the balance owed.The debt collector did must advise me that the debt was going to be re-added, so that I would have the opportunity to assert my rights under The Fair Debt Collection Practices Act, which would have given me 30 days to demand as has the agreement had been violated, before placing it on my credit report. Whereby I could have reintroduced the former agreement that the debt was removed from my account years before, and the debt was not owed.
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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There is a collection account added to all 3 credit bureaus for an account I have no idea about. I have never received in letters or phone calls pertaining to this fraudulent account. It appeared on my credit reports XX/XX/2021. It says this SouthWest Credit System, collection account for XXXX XXXX XXXX was opened on XX/XX/2021. They are requesting a total of {$400.00} that I have no idea about. Again I have never opened account with this company nor do I owe them any amount of money. I don't have any bills or documentation from either of these company 's. I was never notified or contacted in any kind of way. I need to see dates, addresses, a record of all billing and my signature of signing an agreement or contract for XXXX XXXX XXXX. This fraudulent account is damaging all 3 of my credit reports and scores. I would like for this to be investigated and removed immediately. SouthWest can't just go around putting false information in collections on my credit reports when I have never even heard of them.
XXXX XXXX XXXX doesn't even exist and hasn't been around in years. How do I owe a company I have never had service with or that is no longer in business.
I can not upload any documentation because I have never received anything in writing, no phone calls or via email from XXXX XXXX XXXX or SouthWest Credit System.
|
| 07/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
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I have moved numerous times since XXXX 2015 and only learned of this debt when reviewing my credit report, as well as a notice in 2015 at my parent 's address. I contacted XXXX XXXX XXXX, they stated it was about the equipment and I told them that it was returned since my ex made her own account and received different equipment. I was advised by XXXX XXXX XXXX that the issue had been resolved, my bill would be corrected to {$0.00} and they would contact Southwest to take it off of my account. I continue to receive calls at all times of day and night on my work line and cell phone. My number has been passed to XXXX different numbers. I receive calls from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and other numbers either leaving automated message that leads to no where or no voicemail at all. I receive more than three calls a day on work and cell line. It does n't matter what time of day or weekend. I feel this company is fraudulent and have only read bad news about this company being a ripoff. Please assist, I received three calls on my work line just as I was writing this issue. I feel this is harassment and continue to receive calls that I have to mute my cell phone and screen my work line. I can not work with constant harassment from phone numbers that even when pick up they do not leave message or the call is hung up.
|
| 09/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS IS PUTTING AN unverified item that remain on my credit report in violation of Federal Law. SOUTHWEST is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent re-investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. .. I HAVE NO CONTRACT AND NO CONTRACTUAL OBLIGATIONS TO ANY OF THESE NEGATIVE ACCOUNTS! REMOVE THESE COLLECTIONS FROM MY CREDIT REPORT IMMEDIATELY AND PERMANENTLY.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
|
| 03/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was looking through my Credit Score and saw a {$300.00} collection for XXXX, and I currently have one account open through them as well as this is the first time I have ever been with the company. I call them to confirm that my account is in good standing as well as I have one had one account ever and they agreed. I then proceed to contact the collection agency about it and they said that they understand the situation and they would file a dispute as well as stated that they assume it was an error on XXXX part. A week passes by and I contact the collection agency and they tel me We have given the right back to XXXX and that collection is no longer apart of us, and after that call I proceed to contact XXXX and they once again verify through my social security number that I have only opened one account which is the one Im currently in good standing on otherwise it would be impossible for me to have debt owed and still open a 2nd account without paying the original first. I then proceed to dispute the collection on both sides, and with both parties agreeing that it was a mistake with the recorded phone calls I have yet to receive a letter stating that the collection isnt mine and will be taken off. I would like to have both parties communicate and actually follow through on whats stated in phone call logs.
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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According to code 15 USC 1681 ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.I never gave written permission to anyone to put account XXXX Southwest Credit Systems on my credit history but it's showing on my transunion. Now I have a debt I don't know what it is and it's not from me. I have a right to privacy, I never gave written consent.
|
| 05/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a XXXX charge in the amount of {$410.00} reported by Southwest Credit system ( number is XXXX ) on XX/XX/XXXX for an account that is dated back in XXXX " allegedly '' but nor XXXX or Southwest can get me a copy of the bill that they claim is past due balance and I gave been a XXXX customer since back in XXXX and still a current company. I have a home in NJ here they say it is from and I live in GA now. I had a manager at XXXX on the phone from collection department and they could proof it was mine, a copy of the bill ... I called southwest with the XXXX XXXX mgr. on the phone and southwest would not talk to us and transferred my to a VM. I told them both is they could provide a bill I'd pay but either will/can do it. I tried with there XXXX fraud team as well and got now where. They only have a email and phone that they issued to me so I'm told and don't nor ever had access to nor knew existed. Yes, I pay them {$300.00} per month is GA with my same SS #, phone #, XXXX. Yet, they claim I owe them {$410.00} from 5 years ago. I have called both companies several time and I get now where. I'm buying another house and can I please get this removed or discarded off my credit report, it's impacted my score by 40 point for {$410.00} from 5 years ago, yet, I pay $ XXXX monthly to XXXX ... please help.
|
| 10/13/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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XX/XX/2023, I received an alert to XXXX account about a new collection inquiry on my credit file. The collection account that is illegally reporting on behalf of the FCRA law with invalid debt, is Southwest Credit Systems with the original creditor, XXXX XXXX which is on behalf of Spectrum internet services. Since XXXX is the wifi provider for my household as of today, I called XXXX the day the collection was reported, to confirm my XXXX balance and good status with the company. Spectrum did confirm on the phone call, that it was a mistake on their end and stated they would send a dispute form to Southwest Credit System on behalf of the collection and request a dispute to the credit bureaus. I also informed Southwest Credit Systems as well as the credit bureaus, about our conversation pertaining this issue and requested a dispute through my end as well. Unfortunately once again, my credit file is not being taken seriously with the invalidation to this debt so I am kindly requesting a deep dive investigation with the help of making sure everything on my credit report is properly correct. I would like to get this taken care of as soon as possible since it is pertaining a debt that does not exist between XXXX and I, that is affecting my credit report and credit goals. Thank you for your help in advance!
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| 02/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The debt in question was incurred in XX/XX/XXXX by someone that I don't know because my social security number and ID Was stolen. This debt first came to my knowledge when it went into collections in XX/XX/XXXX in the amount of {$870.00}. I began disputing the debt at that time and successfully had it removed, with acknowledgement from the original debtor ( XXXX ) that it was a fraudulent account and would be removed from my credit. This was completed in or around XX/XX/XXXX. Since that time, the collection has been removed from my credit and was no longer present.
However, just a few days ago, on XX/XX/XXXX, I see that the same collections agency ( Southwest Credit Systems ) has reported the debt as a collection and reported the opening date as XX/XX/XXXX for the same amount of {$870.00}. This is COMPLETELY fraudulent as I have not had any account with XXXX and the debt in question was fraud, as stated earlier, and was opened in XX/XX/XXXX. The fact that this company is reporting this debt after 7 years is in violation of the FCRA and in addition to that, they are fraudulently reporting the date the account was opened as XX/XX/XXXX.
Please have this removed as it has caused my credit to drop 56 points due to a debt that is fraudulent, does not belong to me, and was resolved nearly 5 years ago.
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| 05/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
|
Southwest Credit at the direction of XXXX added a negative credit entry to all three of my credit files for a alleged debt without giving legal notification of the debt. Southwest Credit alleged that they sent to me via US Mail, a debt letter concerning the debt back in XX/XX/XXXX. I am DENYING this alleged debt is mine as I have not heard about this debt and was never notified of this alleged debt until XX/XX/XXXX.
I am a current customer of XXXX, therefore they are fully aware of my current mailing address. Southwest Credit at the direction of XXXX, sent their debt collection letter alleging that I owe a past due balance to a previous address that I have not resided at for over 5-years. I have moved three times since the address Southwest Credit sent their alleged debt letter. XXXX and Southwest Credit seems to be using nefarious debt collection practices to insert negative credit entries onto my credit reports. Again, I have no knowledge of this debt and I contest that it is not mine, nor do I acknowledge that it is my debt. As you can see on the letter Southwest Credit claimed they mailed out to me, the address they sent the letter to is not my current mailing address and has not been my address since late XXXX. I have no idea who that letter went to and I personally never received it.
|
| 05/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
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| 09/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American, Servicemember |
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I XXXX XXXX, previously had XXXX XXXX XXXX. As a result of their deceptive trade and sales tactics, erroneously wrongly raising my insurance rates, never defining what constitutes a 'Hard Brake ', and rude and abusive representatives, I canceled both my XXXX XXXX XXXX as well as my XXXX XXXX XXXX XXXX, and, actually have a refund coming that I never received. I recently received yet another Collection Letter from XXXX ( XXXX XXXX ) purporting to be on behalf of XXXX trying to collect a debt I do not owe, and this is the second time I've received a letter from XXXX. I had my attorney contact them this morning ( Wednesday XX/XX/2022 ), and he spoke with a XXXX XXXX, who said she was : " ... transferring the call to executive relations ... '', she returned after in inordinate amount of time, and, told my attorney to : " ... leave a detailed message ... '', and my attorney told her ... '' I've already explained in detail to you... thank you for not helping me ... ''. *NOTE : It's important to note that this is not the first time both XXXX as well as this company have harassed me and made attempts to collect a non-existant debt, including but not limited to 'Hangup Telephone Calls ' with no message. Please help me end this overt and intentional harassment. Thank You.
Sincerely, XXXX XXXX
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| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
|
| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
Southwest Credit Systems , LP appeared on all three of my credit reports on or around XX/XX/2022 stating I owe XXXX {$770.00}. Before this time Southwest Credit Systems , LP did not send any sort of communications about the debt prior to reporting on my credit. Southwest Credit Systems , LP has not provided any proof that I own the debt. Both are Fair Debt Collection Practices Act ( FDCPA ) violations. Even after disputing and providing copies that XXXX balances were paid directly to XXXX, Southwest Credit Systems , LP continues to update incorrect information on my credit report which has caused me XXXX XXXX and harm as we were in the middle of purchasing a home which has now been paused due to Southwest Credit Systems , LP XXXX Only after filing a XXXX XXXX XXXX complaint on XX/XX/2022 XXXX sent copies of XXXX statements to my home address. After examination, the debt did not belong to me, but instead it was a from a dissolved company that did not have personal guarantee agreement with XXXX XXXX has confirmed debt directly to them, but Southwest Credit Systems , LP continues to report false information.
Again Southwest Credit Systems , LP has violated several FDCPA laws by not allowing me the opportunity to validate and dispute debt prior to placing debt on my credit report.
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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XX/XX/2023 Southwest Credit Systems XXXX XXXX XXXX XXXX, TX XXXX Re : Validation of Debt To Whom It May Concern : I am formally requesting that you validate all notation you have submitted to the three major credit reporting agencies by Southwest Credit Systems.
I do not recognize how this account is reporting on my credit report. I dont recognize the account number, I dont recognize the account status, I dont recognize the account high balance, nor do I recognize the late payments associated with the account. Everything reporting here does not meet the FCRA.
1. Copy of the original contract with signature 2. A copy of the payment history 3. The name and address of the original creditor 4. Proof of collection authorization You have 30 days from the date you receive this letter to provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, XXXX, & XXXX or all that apply ) and update accounts to the positive.
Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX
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| 11/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
|
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An individual in Tennessee opened an account under my name with Spectrum I received a collection notice from Southwest Credit XXXX XXXX XXXX XXXX XXXX. I spoke to XXXX about this speaking to a rep named XXXX, I asked XXXX why XXXX does not verify a consumers ID by running a credit report through XXXX of the reporting agencies. To my surprise XXXX stated that XXXX does not even ask for a persons SS number when they apply for credit which I found odd because apparently this fraudulent debt is tied to mine. I think its appalling that a company does not perform their due diligence when handing out credit, had XXXX checked with just ONE reporting agency they would have immediately discovered that all my files are FROZEN and that I am a victim of ID THEFT. I have a consumer statement on ALL reporting agencies XXXX XXXX, XXXX, XXXX which states that I am a victim of ID THEFT and that my SS # has been compromised, it also states that NO CREDITOR is to issue credit to any individual unless they verify their IDENTITY by emailing me, calling me or via mail these instructions were not followed and now they want me the consumer to unravel their mess. XXXX should have never issued credit under my name with out verification. Also I live in NJ why would I apply for Spectrum in Tennessee?
|
| 03/25/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up.
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Please do not close this dispute as I do not accept the response. To ensure that the non-creditor report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. The non-creditor stated they will send the requested information in the mail however I feel as this is a stall tactic on their behalf, and I believe it to be a blatant violation of the FCRA.
In addition please provide the contract signed between Southwest Credit Systems , LP & XXXX notarized and sworn under penalty and perjury for Southwest Credit Systems , LP ability to collect this alleged debt.
The non-creditor advised that they have sent me records via mail in the past explaining this debt however I never received these alleged documents. Were these documents mailed certified mail? I dont believe this non creditor and feel that they are not being honest. Please send all validating records through the XXXX and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XXXX XXXX XXXX first said I owed {$410.00} as my final bill. I called and asked them to adjust the bill to reflect the actual services that I received, as I did not have a contract with them and was not obligated to keep their services or pay for service not received. They were trying to have me pay for service AFTER it was suspended and was no longer being received. They responded by adjusting the bill to {$280.00}. The account was sent to collections in XXXX of 2017, despite several attempts by me between XX/XX/XXXX and XX/XX/XXXX to get an accurate balance so that I could pay the balance. I disagree that the amount was even {$280.00}, as the monthly services were only {$200.00}. On XX/XX/XXXX a statement was printed and sent to me that stated there was no previous balance and showed credits and two write off balance reversals that would leave the account balance at {$45.00}. I paid the {$45.00} to a local office but at that time was given a receipt that had a {$240.00} balance. That balance was not correct as the XX/XX/XXXX statement shows that with the write off balance reversals and credits the only balance that was due was {$45.00}. I called them and they said the account balance was now XXXX but the account is still with collections and appearing on my credit.
|
| 07/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XX/XX/XXXX I received a letter from XXXX XXXX XXXX re : a XXXX phone bill they are trying to collect in the amount of {$5100.00}.
XX/XX/XXXX I mailed a certified mail return receipt letter to XXXX responding to their attempt to collect the debt. I indicated that I do not have any responsibility for this debt, I'm disputing it, and that if XXXX forwarded or returned it to another company, to indicate that it was disputed.
- I have never had a XXXX phone account and my name is not " XXXX XXXX ''. I mailed a letter to each of the three credit bureaus ( XXXX, XXXX, and XXXX ) with the collections letter from the creditor, letter to creditor disputing item, copy of birth certificate, and copy of auto insurance statement verifying current address.
XX/XX/XXXX The date of my corrected XXXX Credit Report indicating the outcome of the investigation : " Deleted - this item was removed from your credit report '' XXXX XXXX, XXXX I received a debt collection letter from Southwest Credit . This company is trying to collect the exact same debt that XXXX attempted to collect and was found to be wrong and removed from my credit.
I am submitting this complaint in an attempt to stop this cycle of one company selling an " already proven invalid '' debt to another company and so on.
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear Debt Collector, I am writing to request that you provide validation of the alleged debt associated with my account as soon as possible. I request that you provide me with the original bill of assignment, as well as the full bill of records related to this debt.
I am making this request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA requires that a debt collector provide me with proof that they own the debt and that the amount they are attempting to collect is accurate. Without these documents, I am unable to determine the validity of the debt.
Furthermore, I would like to remind you that as a consumer, I have the right to request and receive verification of the debt in question under the Fair Credit Reporting Act ( FCRA ). This request is made with the understanding that failure to provide this verification will result in a violation of my rights under both the FDCPA and the FCRA.
I demand that you provide me with the requested documentation within the next 30 days. If you are unable to do so, I request that you cease all attempts to collect on this debt and remove all negative information from my credit report related to this debt.
I look forward to your prompt response to this matter.
Sincerely, XXXX XXXX
|
| 10/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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On XX/XX/XXXX I check my credit and was informed that that SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, XXXX XXXX was on my credit report. I didnt know where it came from and i wasn't made aware of it previous. I wasn't given NY NOTICE OF THIS COLLECTION. this HAS COST ME MY HOME DUE TO I WAS IN THE MIDST OF CLOSING WHEN IT WAS ADDED ON MY CREDIT REPORT. I HAVE CALLED AND SPOKE WITH MULTIPLE REPS AND HAVE SINCE FOUND OUT THAT THEY ARE COLLECTING ON A DEBT FROM XX/XX/XXXX AND XX/XX/XXXX. FIRST I INFORMED THEM THAT THIS IS NOT MY DEBT DUE TO IVE HAD IDENTITY THEFT AND HAVE SENT THEM BOTH OF MY POLICE REPORTS SHOWING FROM XX/XX/XXXX AND XX/XX/XXXX THAT I HAD IDENTITY THEFT. i HAVE ALSO SENT THE INFORMATION TO CHARTER COMMUNICATION WHO IS SUPPOSED TO BE THE ORIGINAL OWNER OF THE DEBT. I WANT THIS REMOVED OFF MY CREDIT IMMEDIATELY. i WOULD LIKE AN APOLOGY DUE TO I DON'T OWN MY HOME BECAUSE OF THEM. I WANT THEM TO STOP COLLECTING ON THIS GHOST /IDENTITY THEFT ACCOUNT IMMEDIATELY BEFORE I BRING A LAWYER INTO IT. IN XX/XX/XXXX I WAS LIVING IN XXXX XXXX AT MY MOTHER AND FATHERS HOME. I DIDN'T EBEN OWN MY OWN PLACE YET AND THEN IN XX/XX/XXXX I LIVED AT XXXX XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX-XX/XX/XXXX. THE ADDRESS THEY HAVE ON FILE I NEVER LIVED AT THOSE LOCATIONS
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.
|
| 08/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Southwest Credit Systems in XXXX, Texas, purchased an invalid debt from XXXX. They started calling me last month, but refused to discuss my issue unless I " verified '' my " personal information. '' I explained I refused to give them any personal information. The representative told me she could not discuss my case with me until I " verified '' I was me. ( XX/XX/XXXX. They called me, but I was in a place where I couldn't hear, so I called them back ).
They would not tell me who they were or why they called. I saw a new entry on my credit report ( the only derogatory entry ), and through a XXXX search, I was able to figure out they were, in fact, the ones who were calling me. ( I already successfully disputed the XXXX debt with a previous collection agency since the debt was invalid ).
I continued to refuse to give any personal information, and instructed them to no longer call me. I've given them this instruction every time I've spoken with them, yet they continue to call.
( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Missed call ( XXXX ) XXXX XX/XX/XXXX - Incoming call ( XXXX ) XXXX XX/XX/XXXX - Outgoing call ( XXXX ) XXXX XX/XX/XXXX - Incoming call
|
| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
1 ) The address provided to and reported by Southwest Credit Systems is one that XXXX XXXX has never lived at, in a State in which he has never been a resident. We have provided signed documentation from the management company which proves this fact. ( Figure C ) 2 ) XXXX does not operate in Iowa, where XXXX XXXX resides.
3 ) Southwest Credit SystemsXXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa in XX/XX/2018, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of Southwest Credit Systems and XXXX to comply with : The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation including : a signed Fraud Affidavit, reports from two law enforcement agencies, a report from the Internal Revenue Service confirming our client as a fraud and identity theft victim ) provided which proves that this account was in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
An account was opened with XXXX XX/XX/XXXX it was then forwarded to XXXX for {$330.00} by XX/XX/XXXX.I disputed this debt with XXXX as well as XXXX and XXXX. This debt was removed from my credit report by XXXX on XX/XX/XXXX.on XX/XX/XXXX the same debt was forwarded to a different collection agency ( southwest credit systems ) and then sent to XXXX.Ive tried reaching out to XXXX customer service to get any information about the account and was told they did n't have anything. I was told that someone called XXXX gave them a name a social and they opened the account. XXXX did n't bother getting any identification any signatures nothing. I was told to contact the Freud department which I did. I received an email from a XXXX XXXX explaining what she needed to prove the account was Freud, proof of residency, I.D police report etc. I gave XXXX XXXX all of the information that I had except the police report because of the complication with jurisdiction and time frame. I requested to speak with a supervisor and all I got was an automated email from XXXX XXXX.at this point It believe XXXX knowingly opened a Freud account with no relative information which in my opinion should be criminal. Also i may add that I 've never lived at the address the account was opened at
|
| 11/18/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I got cable TV through XXXX, and about a month later I decided to move and I called XXXX to see about moving my service and they ask for the address I was moving to, they ran the new address and told me that they do not service that address. I told them that I had to move and I would just have to cancel my cable and internet. I paid for the time I had and used the service up until I moved. I sent the equipment back and I still received a bill for {$350.00}. I called XXXX and explained to them I had called and canceled the service and they tried to tell me that I did not cancel that it went two months past due then they disconnected the service due to non payment. This is not true nor accurate. And I do not owe them XXXX I called in to cancel this service and it should have been disconnected immediately because I was no longer even living at that address and the boxes were already packed up. You can even see from the Internet usage for the time they are trying to charge me for was XXXX because it was not even connected. I feel as if I am not responsible for this debt. I refuse to pay it, I pay all my bills on time but I 'm not going to pay for someone else 's mistake. Please help me resolve this issue because I tried to handle it on my own and got no where.
|
| 05/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hi to whom it may concern, I recently disputed the validity of an account that was being incorrectly reported on my credit profile. It was no surprise that XXXX deleted the account due to their inability to properly verify it, but Southwest Credit System on behalf of XXXX has still responded to my dispute stating that this account has been verified. This is confusing to me.
If all 3 major bureaus are suppose to report the same information and XXXX was unable to substantiate the validity of the details on my credit report, then Southwest Credit System should provide a letter stating that they will remove/delete the tradeline account from my credit profiles for XXXX and XXXX. Isn't this what the bureaus got in trouble for in the cases for Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXXXXXX
See the attached documents that shows that XXXX has DELETED Southwest Credit System account from my credit report.
Please help me get Southwest Credit System to provide an official letter stating that they will remove/delete this account from my XXXX and XXXX credit profiles.
Thank you and I sincerely look forward to your response.
Sincerely, XXXX XXXX Account Name : Southwest Credit System Account XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I TRANSFERRED MY SERVICE FROM XXXX TO XXXX WITH THE HOPES OF GETTING THE SPECIAL DISCOUNT AND THE PROMOTION THEY HAD AT THE TIME. I ALSO HAD MY HUSBAND TRANSFER HIS PHONE FROM XXXX CELLULAR TO XXXX WHICH IS ALL UNDER MY ACCOUNT. I WAS TOLD THEY WERE GOING TO PAY THE TERMINATION FEE FROM XXXX AND US CELLULAR AND I WENT ON THEIR WEBSITE TO SUBMIT MY RECEIPT AND THE INFORMATION REQUESTED BUT IT WAS NEVER PAID AND NOW IT IS AFFECTING MY CREDIT WHICH HAS NOW DROPPED TO XXXX DUE TO THIS COLLECTION RECORD WHICH I HAVE NEVER HAD ON MY CREDIT. I AM ASKING THAT THIS BILL BE PAID OR I WILL FILE A LAWSUIT AGAINST YOUR COMPANY. I BARELY GET A GOOD SIGNAL TO BEGIN WITH AND THE PLAN IS NOT EVEN WHAT I WAS QUOTED. I AM UNDER A GOVT DISCOUNT PLAN AND WHY IS MY BILL ALWAYS ALMOST {$200.00}? I AM A STUDENT AS WELL AND MY HUSBAND IS A RETIRED XXXX XXXX, WE DO NOT HAVE THE MONEY TO WASTE ON A SERVICE THAT IS NOT AS XXXX AS THEY CLAIM. I AM TIRED OF FINANCING A PHONE THAT DIES AND DOES N'T WORK WELL AS IT SHOULD, THE TABLETS WE RECEIVED WERE SUPPOSE TO BE FREE AND NOW WE ARE BEING CHARGED FOR IT. PLEASE PAY THE TERMINATION BILL FOR MY HUSBAND AND MY BILL FROM XXXX. I LIKE THE CONVENIENT OF MAKING PMTS ETC BUT I DO NOT ENJOY HAVING A SERVICE WITH A HIGH BILL AND BAD SIGNAL.
|
| 08/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
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On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections.
This illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit.
|
| 10/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
|
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Southwest Credit offered a settlement option which was fulfilled but never informed XXXX XXXX XXXX that the account was settled in full. I spoke with SW XXXX and they offered me a settlement of XXXX which was spilt into XXXX payments of XXXX. First payment was taken out of my account on XXXX and the other was taken XXXX XXXX. The supervisor I spoke with advised that I would get a paid in full letter after the second payment. An agent called me a couple days after the second and final payment and stated that I still owed a balance of XXXX. I then explained to that agent that I had already settled in full. He said the account was n't closed correctly and he would close the account correctly and that I would get a paid in full letter. I never got a paid in full letter, but I id see that it was credit reported as XXXX and zero balance. Then on October, XXXX I got a call from a different collection agency saying I owe a balance of XXXX and I never settled in full. I called Southwest Credit back and they said for the third time that they are sending a paid in full statement. I also called XXXX XXXX XXXX and they stated that Southwest Credit NEVER reported the payments nor did they report that the account was settled. It was still showed as an open account.
|
| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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On XX/XX/XXXX I received an Alert from my credit reporting MYFICO that a New Collection was added to my credit file. I had made a previous complaint BUT may had listed the incorrect collection agency. On XX/XX/XXXX I had placed a complaint with CFPB # XXXX and had placed the complaint against Southwest Collection. This may be the wrong company. I was not aware that there is similar collection company names. The correct name I am complaining about is Southwest Credit System is Texas. My complaint is that Southwest Credit Systems have reported to all three credit bureaus of a new unpaid debt from XXXX of XXXX. This negative and inaccurate reporting has damaged my credit lowering my scores. The XXXX account is XXXX. I contacted XXXX and spoke to XXXX. He checked the account and could not find any history because it has been fully closed since XX/XX/XXXX. The account was fully paid and closed. Southwest Credit System claims account opened on Now XX/XX/XXXX. This is false and inaccurate. I never had opened any accounts from XXXX on XX/XX/XXXX. I called Southwest Credit Systems but they refuse to give me further information on how they came about with this debt.This has hurt my credit file and now i am unable to purchase a home in the spring season.
|
| 09/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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XXXX has issued on my credit report a deliquency of {$870.00} that is NOT MINE. I have never lived at the address of XXXX XXXX XXXX, XXXX, PA XXXX. I have tried getting this resolved by going to the XXXX center XXXX 3 times. I have called numerous times, I have filled all the necessary fradualant paper work, I have obtained a XXXX police report, I have everything documented and notarized. The charge is showing up on my credit report which is making my XXXX score low which has now affected my wife and I to receive a loan we are currently in the process of obtaining. I have all proper documentation stating that the person with the same name has a different age, different birthday, different ss # as myself. I need to know what my rights are. I have contacted an attorney and if I ca n't resolve this issue I will be filing a law suit against XXXX. XXXX has already admitted that the charge was put onto my account by the collections department ... .the person with the same name never tried to put service in my name. Therefore it was an error on XXXX behalf. They need to fix it. My wife and I have been put through XXXX trying to attempt to prove my innocence that this is not me nor my charge. We are the victim and we are treated like the criminal by XXXX.
|
| 04/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Sued where didn't live/sign for debt
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|
Web |
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I switched phone carriers in XXXX. In the process I called in and was given a final bill amount that included paying out my contract. I paid that amount. Several months later I received correspondence from southwest Credit saying I had a XXXX Bill in collections. At XXXX point on the phone Southwest Credit while trying to verify my address, had a transposed house number ( fyi ). I never received a paper or email bill from XXXX, and had paid a hefty amount to close out the account, and so I told them I would have to verify with XXXX if it was legitimate. I attemtpted to contact verizon via phone and also tried to log into my account on line. Since I moved my phone number, ( the log in for XXXX ) it made my online account inactive, and I could not verify via phone that it was a legitimate bill. I chose to terminate early with XXXX, and I knew it would cost me, for which I paid. If it is a legitimate verizon bill, I will pay the amount, but do n't think it is fair to be dinged on my credit, as they failed to send a paper bill or even an email saying I owed additional money. I have n't just paid the credit collection company because I have been unable to prove I even owe the bill, other then them telling me I do. They are now threatening legal action.
|
| 12/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a customer of XXXX XXXX XXXX wireless for over SEVEN YEARS, and I paid my bills ALWAYS. However, I DID NOT RECEIVE any wireless services from XXXX XXXX XXXX for the five months or so ( i.e. XX/XX/XXXX-XX/XX/XXXX ) because there were technical problems with my receiving the wireless services that I was being billed monthly for. I lodged NUMEROUS COMPLAINTS with XXXX XXXX XXXX in-store Managers, who in turn, contacted XXXX XXXX XXXX Tecnical Support Services on my behalf to rectify the problem, but no avail.
Also, XXXX XXXX XXXX REFUSED yo replace or REPEATEDLY put up barriers to replacing my XXXX XXXX even though I had been duly paying for the Insurance Cover/ Premium every month. This would have enabled me to receive the wireless services that I was being billed for, if the problem had been with the XXXX itself. This went on for several months. As a result, I had no option but to CLOSE THE ACCOUNT in XX/XX/XXXX-by switching over to XXXX XXXX XXXX. And I have been paying monthly ever since. Just like I paid my monthly bills with XXXX XXXX XXXX Wirelessly for over SEVEN YEARS!!!
Against this backdrop, I believe that XXXX XXXX XXXX 's Bill for sum of XXXX XXXX is UNLAWFUL and is a retaliation against me for exercising my legitimate right.
|
| 10/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from all of my credit reports.
|
| 12/13/2016 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
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Reporting/collecting unverified/unvalidated debt to credit bureaus. They are not licensed to collect in my state ( Arkansas ) to do so,. See Ark. XXXX XXXX. XXXX. The statue of limitations is up in my state. AR Code XXXX XXXX. XXXX XXXX This is a violation of AR collection law and fair debt reporting practices. I have been disputing a collection account on my report from Southwest Credit Systems, L.P. ( original creditor XXXX XXXX XXXX XXXX ) since XXXX 2016. On XXXX 2016 the account was removed from my XXXX credit report because it could not be verified or validated ; and at this time XXXX was the only bureau reporting the collection account. Since, the company has changed the address and even date and re-reported the debt without my knowledge or the 5-day notice required by law to notify that it would be re-inserted. This situation is really hurting my credit reports on all XXXX bureaus and affecting my ability to purchase a reliable vehicle and take care of my family. I check with a lawyer and we have found multiple violations. The collection should not be on my report and is affecting my ability to purchase a reliable vehicle and take care of my family. Please remove this from all XXXX bureaus as it is being unfairly and wrongly reported.
|
| 09/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a letter from the collection agency XXXX XXXX stating that I owe them for an account with XXXX. I had XXXX XXXX insurance and renter 's insurance from XX/XX/2017 to XX/XX/2017. I paid up until the renewal date. I elected not to renew.
I asked for verification of the debt and XXXX sent me a letter from XXXX stating that I must show coverage from XX/XX/2017 to XX/XX/2017 in order to receive credit for the {$150.00} they were trying to charge me. My policy renewed on XX/XX/2017 and I didn't renew. XXXX 's policy states on page 51 if their Missouri XXXX XXXX XXXX : # 3. Nonrenewal by YOU " If we offer or continue and you or your representative do no accept, this policy will automatically terminate at the end of the current policy period. Failure to pay the required renewal or continuation premium when due shall mean that you have not accepted our offer. '' I did not accept their offer and there is no language in their manual that stated that I needed to pay anything beyond the date of renewal if I didn't want to renew with them.
They did not respond to the letter I sent to them explaining this and continued to pursue via collections. I didn't know this until I received notifications that a change was made to my credit reports.
|
| 11/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
XXXX is Reporting a debt from a collection agency named Southwest Credit Systems. I have disputed the claim once and it was reinstated. This collection is a cable/cell phone bill of {$100.00} with a collection amount of {$220.00}. I have called the collection agency and spoke with them for over 1.5hrs and the discovered after many attempts they could not verify any active account with all my personal information provided. I spoke with a XXXX XXXX an account rep @ XXXX she told me there is not active account. I asked for a letter or email of proof and she stated no letter or email statement could be provided because there was no active claim account. I have disputed twice with XXXX and they refuse to remove the negative claim that is not mine. I used XXXX XXXX which is XXXX XXXX have been a customer for 15+ years ask for them to run my info for any unpaid or collection and there is nothing active or delinquent on their end. XXXX This is my last option according to XXXX for resolution. Looking at there credit report I may have fallen victim to identity thief or lumped into a similar name situation as there is an address on my credit report that I don't recognize and a city I have never lived in. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
|
| 04/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The alleged original debt was from XXXX for XXXX of services on an account that had been closed prior. The debt was assigned to XXXX XXXX XXXX XXXX XXXX in 2022. I immediately contacted XXXX XXXX XXXX, on XX/XX/2022, in writing to provide proof that the account had been closed on XXXX informed them that the servicer ( XXXX ) was trying to collect for services not rendered after the date of the closed account. I provided email confirmation of the closed account. Instead of responding to my request to correct the mistake, XXXX did not respond and instead assigned the alleged debt to XXXX XXXX XXXX On XX/XX/2022, I contested the debt again with XXXX. I did not receive a response. Now, it seems as though XXXX has assigned the item to Southwest Credit. Southwest Credit has NOT provided me with any necessary paperwork to date.
I was alerted to this through my credit bureau. I am again contesting the validity of the debt and request prompt action in correcting the mistake.
Each company has reported incorrectly to multiple credit bureaus. I request help and demand that each company correct their records AND work to remove any derogatory marks created on my credit report as a result. I also request confirmation that the matter is closed.
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The original bill came from XXXX. I canceled my service. But they did not close my account. I continue to receive bills after I cancelled my service. After four different phone calls averaging about an hour each I finally reach someone that said that they would cancel the bill for the unused services and the issue would be taken care of. Instead they turned it over to Southwest Credit Systems. Southwest Credit Systems was adamant that we owed the money and it was not their problem that XXXX did not shut off the service in a timely manner. We finally paid the money on the bogus account because we were trying to refinance our house. Not only does the money still show to be owed on our credit report more than six months later. But we never received a receipt for the money that was paid to show the issue with taking care of. We were told if we pay the money it would drop off of our credit report. After calling back 7 months later because it still showed on our credit report we were informed that they were a no delete collections agency and could not delete it from our credit report. So not only am I stuck with the only bad mark against my credit for 7 years, it is for a bogus bill that I never owed to start with! Totally unprofessional!
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collection account on my credit report that was forwarded to Southwest Credit Systems by XXXX for an amount of {$190.00}. For non-returned equipment. The modem /router this is related to was in fact returned through a return label that a windstream representative mailed to me last year. The equipment was returned to them. They refuse to remove the collection from my credit report, because they claim they can not find the equipment. They asked me a tracking number for a return label THEY SENT TO ME! This is a nightmare and is severely damaging my credit report. XXXX is failing at their customer service. Their overseas reps often smart off to you. Make false promises to call you back. They talk over you. Will say anything to try and get you off the phone. This is an absolute nightmare and I really need help. I reached out to the collection regarding this matter only to have them refer me back to the original creditor. XXXX. At this point we are getting nowhere with this exhausting matter. Meanwhile my credit is tarnished because of this matter. I really need help.
The account number for my old service is : XXXX The original order number for the equipment being sent to me is : XXXX The return info is something they have.
|
| 02/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTE Original creditor : XXXX is showing up on my credit report stating I owe {$2500.00}. This debt was owned by XXXX XXXX XXXX XXXX prior to this. I provided an FTC report and let them know I was a victim of identity theft. That debt is not mine. I filed this complaint on XX/XX/XXXX with the CFPB XXXX. In this complain the company took ownership for their mistake and removed this debt from my report. I hope that this debt collector will do the same.
I am Writing to you to properly address that I am a victim of identity theft. I am writing to request that you block/delete the following fraudulent information from my credit report.
XXXX ) SOUTHWEST CREDIT SYSTE Original creditor : XXXX Account number XXXX Date opened XX/XX/XXXX Account type Collection This information does not relate to any transactions that I have made. I have enclosed a copy of my identity theft report and a copy of FCRA Section 605B which details your responsibility to block/delete fraudulent information on my credit report resulting from identity theft within XXXX business days and to properly notify the furnishers of that information. I will be enclosing : identity theft report, proof of identity, Fair Credit Reporting Act Section 605B.
|
| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted Southwest Credit Systems to try to get information as to the validation that never occurred. I paid the final bill that XXXX presented. We went into the XXXX office and paid the balance that they requested at their office. There was no communication that there was any other balance. My wife changed her number to a different account and I changed my phone number to my work phone. I have never received any bill from XXXX or Southwest Credit Service yet they have reported a collection account. Southwest Credit Systems claims to have sent validation notices to a P.O. Box but I have never received it. I requested it again. They said they would send it to a new address but they refuse to remove the account while the validation process is completed. They reported it to credit before any validation.
I asked for their Agent For Service contact information and they have refused to give it to me. They claim that the only mailing address is their XXXX XXXX XXXX XXXX Texas. They claim that their agent for service does not have an email or a fax number. I spoke to XXXX. I also spoke to XXXX 's supervisor. Their refusal to provide me information to serve legal notices is appalling and a direct attempt to avoid obeying the law.
|
| 02/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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|
To whom it may concern : I have several collection accounts on my credit files from a collection agency the account is as follows : Account XXXX XXXX ( original creditor not listed ) account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX Southwest Credit SYS XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX XXXX ( XXXX XXXX XXXX ) XXXX account # XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX ( XXXX ) account # XXXX ( XXXX XXXX ) XXXX, XXXX, XXXX Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX ). I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois.
Your immediate response will be greatly appreciated.
XXXX XXXX XXXX
|
| 07/13/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit System acquired a charged off account that I had through XXXX. They call me 5 or more times a day from various phone numbers. The majority of the times are robo calls and when i answer, it connects me to a live representative. They usually mask the phone number with an Indiana are code since I live in XXXX. The following is an example of what they are doing and this is just from XXXX XXXX. XXXX called 10 times, XXXX called 5 times, XXXX called 4 times, XXXX called 15 times, XXXX called 11 times, XXXX called 9 times and Unavailable called 6 times. There are other numbers and earlier dates but the above mentioned are the most recent. The times of the calls very during the day. For example XXXX ( XXXX ) XX/XX/XXXX XXXX and XXXX XX/XX/XXXX XXXX and XX/XX/XXXX XX/XX/XXXX XXXX., XXXX. and XXXX XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX and XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX XX/XX/XXXX., XX/XX/XXXX. and XX/XX/XXXX. This company has also put this debt on my credit report which I am trying to dispute. After reporting this, I plan on filing a written cease of communciation notice but I feel this company should be held liable for their collection actions. If any more information is needed please let me know.
Thank You
|
| 05/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I originally signed up for XXXX service on XXXX/XXXX/2015. The service never worked properly and I cancelled my service and returned all the equipment ( I have a receipt for the return of the equipment ) before XXXX XXXX, 2015. Their service never worked properly, and the cancellation falls under XXXX 's publicly advertised " 30-day guarantee, '' as stated below : '' We will give you a 30-day, money-back guarantee.
If you 're not satisfied with our TV, Internet, Voice or Home services and wish to cancel for any reason, you can do so in the first 30 days and get your money back. Simply return all equipment in good working order and we 'll refund the monthly recurring fee for your first 30 days of service, any charges you paid for standard installation and any Home Secure and Control equipment purchased. -XXXX website '' I have called XXXX on XXXX separate occasions in order to resolve this issue. Being XXXX, I recorded the phone conversation, and have retained a copy of the recording. I have copies of all other correspondence with XXXX.
Now they have sent my account to collections with Southwest Credit XXXX XXXX. Since contacting them repeatedly seems to have no effect, I am submitting a formal complaint to CFPB today.
|
| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing to report and bring awareness to a recent letter I received in a fraudulent attempt to collect a debt from me, through a debt collection agency " Southwest Credit. '' Letter was dated XX/XX/2020 After checking with the " Creditor '' I was informed that no debt was ever owed to them and that my account was current. The Creditor also stated that they do not, and have never used this debt collection company to collect any debt.
The name listed on the attached " collection letter '' is also not my full, legal name and not the name I have listed through the " Creditor. '' After contacting the debt collection agency " Southwest Credit, '' I inquired about the debt and how they got my information. The person on their toll free line stated they had " obtained it through the DMV, as people tend to move and they need a current address. '' I knew this statement was untrue, as my full name through The Department of Motor Vehicles is not what was listed on their letter.
I am writing in the hope that people will not be taken advantage of by scams such as this. Many people whom do owe money may have not been aware or taken the steps to investigate the legitimacy of this intent and would have been taken advantage of.
|
| 08/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX/XXXX ruined my credit over a dispute. I had excellent credit until I moved and they charged me for early termination of the security system that never worked ( I had monthly conversations with XXXX in their technical support dept ). The {$1700.00} they sent to the collection agency I was told included the equipment, which was returned to their XXXX XXXX office. I have no problem paying for the cable service even though I moved, however, I refuse to pay for the additional charges they are asking for and I can not get them or the collection agency to look into the bill. I have asked for detailed statements and they refuse. I asked them to look into the complaints for this security system that never worked and they refused. They only say pay the bill or we will ruin your credit-WHICH THEY DID!! I paid the bill every single month for three years and when I moved out the new person, XXXX XXXX, ran up the bill for three months and I got stuck with that also. I notified them and they told me too bad you should have disconnected the service when you moved. I would like to get this corrected because I am trying to get a job but this is hurting me. I moved to a new state and can not get housing because of this.
|
| 04/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had phone and internet service with XXXXXXXX XXXX XXXX in Michigan. The service was disconnected in XXXX. I applied for and established new service with the same company in XXXX or XXXX. There was no discussion of a past due bill or collection. I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. XXXX XXXX XXXXXXXX was sold to XXXX.
In XXXX, I received a collection notice. I called XXXX and asked for proof they tried to collect an unpaid balance. They did not have proof. I asked for past bills ranging from XXXX XX/XX/XXXX, they state they did not have any. I asked for any proofs regarding this action, they said their system did not go back that far.
The collection agency said they did not have any proofs other than what they were told be XXXX. They have posted a negative item to my XXXX credit report.
Why didn't XXXX issue a final bill? collection notice? Why let me establish new service if I owed a past due amount? Why didn't XXXX notify me of the debt right away? Why doesn't anyone have proof of this debt? If I was aware of a legitimate debt I would have included it in my Chapter XXXX filing. Can they just bypass a reasonable attempt to collect and just go straight to my credit report?
|
| 07/19/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2015, I returned equipment to XXXX XXXX to disconnect services. They advised me I had to call a number to disconnect even though I turned my equipment in. I called that number and after 18 minutes or so and the 2nd person trying to keep me from ending service, I disconnected the call. Fast forward, XXXX continued sending me bills for service. I made 3 trips to the office to fix the problem and it was never done. I finally advised the agent ( manager was not available ) that I would begin billing them for my time. I never heard back after that until a year and half later for 4 months of service after I returned equipment. The company would not accept that the equipment was returned and a call was made to disconnect. I advised them I would not pay this, especially with knowing that they shut service off after 30 days without payment, why would they ever bill after that point. This went on for another 2 years that I would speak to representatives and managers to demand they look at activity on my account after equipment return and they declined to do so. I have now had a collection from Southwest Credit Systems placed on my credit report that is not a responsibility of mine and needs to be removed.
|
| 07/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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PLEASE BE ADVISED THAT : Southwest Credit Systems, L.P AGREED OR WAS ORDERED BY CFPB TO REMOVE from my CREDIT REPORT ( see CFPB Ref. # : XXXX filed on XX/XX/2017 ) this so-called " XXXX XXXX XXXX XXXX Collection Account '' for the same $ XX/XX/XXXX-based on the detailed facts of my previous dispute. Also, I CLOSED this " XX/XX/XXXX Account '' because XXXX XXXX XXXX STOPPED providing me the contracted wireless services and replacement of my phone, despite the fact that I CONTINUED TO PAY for over FIVE MONTHS the Bill for unused wireless services and Insurance, hoping that XXXX XXXX XXXX would do the right thing.
Accordingly, XX/XX/XXXX, being a successor-in-title of this so-called " XXXX XXXX XXXX Collection Account 0f {$1200.00} '' CAN NOT ( as a matter of law ) have acquired a XX/XX/XXXX from SOUTHWEST CREDIT SYSTEMS, L.P. ( the predecessor-in-title ). This is a fundamental principle of Common Law, and indeed, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX case law. Especially so, whenXX/XX/XXXX ought to have had CONSTRUCTIVE NOTICE ( i.e. if proper due diligence had been conducted ) of the cited CFPB Complaint Ref. # : XXXX because it is PUBLIC RECORD easily accessible on the CFPB Website.
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| 01/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX changed my bill without authorization, causing me to cancel my service. I canceled as soon as they notified me on XXXX XXXX, 2015 that my bill was going to be {$320.00}, however they took 16 days to process my request for cancellation and proceeded to charge me for those 16 days. Had they processed my cancellation promptly their systems would not have thought I had a pending bill. They then proceeded to put me into collection for {$110.00} that I did not rightfully owe them. I proceeded to pay it to avoid any impact to my credit and I intended to take the issue up with XXXX directly as opposed to the collections agency. The collections account has hit my credit 2 months in a row now, the alleged debt having been paid on XXXX/XXXX/2015, before either derogatory mark was applied, XXXX on XXXX/XXXX/2015 and the other on XXXX/XXXX/2015, to my XXXX report. I would like these removed from my credit history, my credit score recalculated without the derogatory marks, and a written apology from the CEO of XXXX for stealing from me and then ruining my credit even though I paid the amount they were asking for. I lost almost XXXX points from my credit score because of XXXX and Southwest Credit Systems L.P.
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| 05/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX.
When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately.
Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services.
I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information.
This is the collection company information : SW CREDIT SYSTEMS L.P.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,
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| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i recently sent a letter to the SOUTHWEST CREDIT SYSTEMS and in That letter i clearly demanded to see and receive copies of the purchase agreement for the alledged debt, and the relationship documents with my wet signature of consent that allowed a third party to buy the debt ( Debt validation was never sent nor received ) and ive yet to get a response from them but they continue to harrass me phone calls with no proof of validation to collect on the debt. And if they have anything with my signature on it, than they are now beyond the allowed 30 day grace period to inform me that they obtained the debt which is a violation of the FCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
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| 10/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
XXXX account closed in XX/XX/XXXX due to receiving military XXXX, and equipment was returned in XX/XX/XXXX/XX/XX/XXXX. XX/XX/XXXX {$150.00} was paid to cover final bill. Around XX/XX/XXXX SW CREDIT SYSTEMS placed a collections on my credit report for {$140.00}. Phone call was made to XXXX about the collections on the credit report, and they were unable to find a final bill or provide me with details regarding the {$140.00}. The SW Credit Systems were also unable to help and/or find out where this charge came from. The only explanation that the XXXX representative could give me was it could potentially be for an early termination fee, which again she could not prove. Since I am XXXX XXXX military and was on orders to move at that time, I would not be responsible for any early termination fees under the SCRA. I filed a dispute with XXXX multiple times, however, it was unsuccessful, and I still have not been able to receive proof of the charge. It is also not right that I received a collection notice two years after the account closed, and was not given any correspondence previous to XX/XX/XXXX. Had it not been on my credit report, I would have never known about the unknown debt in collections.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I want to report Southwest Credit Systems for not validating in writing to me before placing a negative collection notice on my credit report without prior authentication of the claim. I have made a written complaint to XXXX and XXXX and XXXX along with all the required document 's of this matter and yet they still illegally reported to my credit report. According to your practices they are in non compliance to the rule. I would like your help to resolve this matter as soon as possible and have them to be taken off my credit report since it has caused me a great negative impact on my report due to their negligence.
We also have sent Southwest Credit Systems a dispute letter but XXXX responded to our dispute letter to them saying Southwest Credit Systems report is correct. That means Southwest had an initial contact with XXXX and did not initiate a communication with me to let me know that a collection would be reported to the XXXX credit bureaus.
I am aware that this is in noncompliance with CFPB and the Fair Credit Reporting Act.
If you have further questions, please do not hesitate in contacting me. I look forward to a prompt resolution to this delicate matter.
Thank you in advance.
|
| 03/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
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My husband tried three times thru phone conversation with XXXX customer service to see if we can paid a debt with them of {$820.00} in three parts because we did not have the total amount at that moment. XXXX response was that they do not do that and that we had to pay the full amount or it will go to a collection agengy. So those {$820.00} went to a collection Agency named SouthwestCredit.
SouthWest Credit accepted {$410.00} to resolve the account with XXXX XXXX XXXX which we paid using a credit card. All this happened in XX/XX/XXXX/XX/XX/XXXX. Today XX/XX/XXXX we received a Letter from another collection Agency Named XXXX, collecting {$410.00} from XXXX XXXX I contacted Southwest Credit and they said they sent the information to XXXX I contacted XXXX and they said that a remainig balance of {$410.00} is due with them and that they do not have any agreenment with the collection agencys so even though they received {$410.00} from SouthwestCredit on XX/XX/XXXX the remaining balance still due with them that is why it went to another Collection Agency named XXXX. I have a letter from SouthwestCredit which says they accepted the {$410.00} to resolve the XXXX account of {$820.00}. Please Help.
|
| 08/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Re : Dispute of Inaccurate Credit Report Information Under FDCPA Section 15 To Whom It May Concern : My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX. I have been disputing inaccurate information on my XXXX credit report for several months to no avail.
Specifically, XXXX is reporting [ describe incorrect information ] regarding an account with Southwest credit Syste This information is false and violates Section 15 of the Fair Debt Collection Practices Act, which prohibits deceptive or misleading representations by debt collectors.
I have disputed this inaccurate information in writing with XXXX multiple times, most recently on XXXX/XXXX/2023. However, the information remains unchanged.
I request that the CFPB immediately investigate XXXX for violating provisions of the FDCPA by allowing this misleading information to remain on my report after multiple disputes. I have enclosed copies of my dispute letters as evidence.
Please contact me at [ phone number ] or [ email ] to discuss this complaint. I look forward to your assistance in resolving this matter.
Thank you, XXXX XXXX
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| 02/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I received multiple calls from the company, Southwest Credit Systems, after multiple harrassing phone calls I spoke with a rep and was told I owed a debt and immediately asked how I wanted to pay, I was never asked if the debt was mine nor was I asked about disputing. I know the laws so I informed the rep I am not aware of the debt, I was disputing it and requested verification. A few days later I received a letter from Southwest, again stating I owe them a debt and I had 30 days to dispute the debt in writing even though I had already disputed and requested verification. I sent them a response letter days later and stated in writing that I was disputing the debt and again asking for actual verification and I informed them that a simple letter from them stating I owe a balance was not sufficient verification. They have not provided any verification but have now started reporting the alleged debt to all 3 credit agencies and they have " re-aged '' the alleged debt stating I have an account with them opened this month. This is complete fraud, false informing, harrassment and blantantly illegal as they are aware of all these violations and clearly have no verification of the alleged debt.
|
| 11/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
Older American, Servicemember |
|
I have made numerous dispute complaintns via credit bureaus to the company but it has been fruitless. having trying for XXXX XXXX XXXX oroginal creditor was SW CRDT SYS the date open they have it as XX/XX/XXXX but that is not correct they updated the date it was opened late XXXX begining XXXX the reason for the charges was a piece of equipment that is attached to the tv dish in the roof, they told me I need to go up in the roof and removed the parts with is in the center of the tv dish I told them I have back issues and cant expose myself like that and if they can send a technician to remove the part they told me they check but never heard anything from them anymore until it show up in my credit report in XX/XX/XXXX about a year and half later since then I wrote numerous dispute in the creedit bureaus to try and get it remove but they blocking me.
ACCOUNT NUMBER XXXX HIGHEST BALANCE {$230.00} CREDITOR INFO SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/XXXX ORIGINAL CREDITOR XXXX XXXX XXXX RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Account information disputed by consumer, meets FCRA requirements
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| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible.
Please send me a letter explaining your findings and actions.
|
| 03/26/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Southwest Credit in XXXX Texas has my XXXX account. They are saying I owe XXXX for unreturned equipment and past due bills. The billing dates they have are incorrect. My service was already disconnected and XXXX is trying to charge me for months of service due to them billing months in advance. They are also billing me for unreturned equipment in which I returned ALL my equipment to their rep who came to my home. I even signed my name on his phone and he was picking up all the equipment. The date of service on the bill Southwest sent is XX/XX/XXXX-XX/XX/XXXX but I had XXXX XXXX at the end of XX/XX/XXXX. It is under my husbands name XXXX XXXX for our same address XXXX XXXX XXXX XXXX, XXXX TX XXXX. Call XXXX and verify please. I sent a long detailed debt validation letter to Southwest credit on XX/XX/XXXX and only received one thing out of 18 things I asked them to verify. They sent me a billing statement from XXXX with the incorrect payment amount. I have called Southwest many times and they are extremely rude and will not even try to listen to me. I need this to be looked into and researched asap. I do not want this to hit my credit in any way. especially with wrong information.
|
| 01/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I disputed charges with XXXX. XXXX did not contest the dispute. Instead, XXXX sent the dispute to successive collection agencies. Each time the debt was disputed, XXXX moved the issue to new collection agency without addressing the underlying concern that the debt was not owed.
More recently, Southwest Credit ( collection agency ) contacted me while I was at work. I indicated that my job was not conducive to a discussion on debt but the representative persisted. I explained that the debt was in dispute and I would provide written correspondence. I sent the correspondence and Southwest Credit continued to call me while I was at work.Southwest, having no capacity to conduct an impartial investigation, decided that the debt was owed and reported a disputed debt to the credit agency resulting in the harming of my good credit.
I told Southwest that I was open to an an impartial arbitration, but instead Southwest acted in bad faith and reported a debt to the credit agency. Again, I do NOT the debt as all equipment for XXXX was returned. Southwest has harmed my good credit with the sole purpose of coercing payment. I have suffered significant harm to my otherwise good credit.
|
| 02/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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ATTN : To whom this may concern Please be advised that as of XX/XX/2022 as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME Southwest Credit Systems ACCOUNT NUMBER XXXX I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Starting 30 days from the day you receive this complaint ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the account from my consumer report without prejudice.
Warm Regards, XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved.
|
| 12/30/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I CONSUMER XXXX XXXX RECEIVED A RESPONSE FROM SOUTHWEST CREDIT SYSTEMS FROM XXXX XXXX XXXX PROGRAM XXXX IN REGARDS TO AN ALLEGED DEBT FOR {$240.00} OWED TO XXXX. THE RESPONSE DOES NOT SHOW PROOF THAT I XXXX XXXX KNOWING AND WILLFULLY EXTENDED THIS CREDIT TRANSACTION. FURTHERMORE, THE ADDRESS LISTED ON THE ACCOUNT TRANSACTION ACTIVITY SHEET SHOWN AS EXHIBIT A IS NOT CORRECT. I HAVE NEVER LIVED AT XXXX XXXX XXXX XXXX, PA XXXX IN MY LIFE. LASTLY, SOUTHWEST CREDIT ARE IN VIOLATION OF 15 USC 1681M ( F ) 1. NO PERSON SHALL SELL, TRANSFER FOR CONSIDERATION, OR PLACE FOR COLLECTION A DEBT THAT A PERSON HAS BEEN NOTIFIED UNDER SECTION 1681C-2 OF THIS TITLE HAS RESULTED FROM IDENTITY THEFT. I AM 100 % WELL AWARE OF MY CONSUMER RIGHTS AND UNDER 15 USC 1611 ( 1 ) SOUTHWEST CREDIT ARE CRIMINALLY LIABLE FOR GIVING AND PROVIDING FALSE INFORMATION TO THE CREDIT BUREUS. I AM AWARE THAT UNDER SECTION 15 US 1640, SOUTHWEST CREDIT ARE NOW LIABLE FOR ALL ACTUAL DAMAGES BECAUSE THEY OWN THIS ALLEGED DEBT. THEY ARE NOW LIABLE FOR 2X OF THE FINANCE CHARGE WHICH IS {$480.00}. LASTLY, SOUTHWEST CREDIT ARE VIOLATION OF 15 USC 1692B ( 5 ) AS WELL AS 15 USC 1692B ( 2 ) BOTH MARKED AS EXHBIT B & C
|
| 03/14/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.
|
| 06/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
An identity thief used my information to fraudulently open an account and purchase devices totaling {$1600.00} at XXXX in XX/XX/XXXX ( in addition to opening other accounts at XXXX XXXX XXXX and XXXX ). By the time I learned this had happened, it was XX/XX/XXXX.
I contacted all three cell phone companies to report the identity theft, XXXX and XXXX XXXX XXXX sent me letters confirming the accounts were opened fraudulently, but XXXX confirmed verbally over the phone that it was fraud, but never sent me any follow up and instead XXXX referred the account to collections - originally a company called XXXX. I filed a police report and took all the steps outlined on identitytheft.gov to contact XXXX and XXXX to let them know I was a victim of identity theft and to cease attempts to collect ( XX/XX/XXXX ).
I received no follow up from anyone, but the collections account did disappear from my credit reports, so I assumed the problem was resolved.
Then today I received a collections letter from a company called Southwest Credit for this XXXX account, despite the fact that it was made explicitly clear that I was a victim of identity theft, and this debt is not mine.
|
| 10/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
Creditor : XXXX XXXX XXXX Creditor Acct. # XXXX Principle {$170.00} This is not a valid debt. I had XXXX as my cable, phone, and internet provider for exactly 1 year.
XXXX XXXX XXXX was the start date and XX/XX/XXXX was the end date. The TV was disconnected on XXXX XXXX, XXXX and XXXX XXXX began. The phone and internet was terminated XXXX XXXX, XXXX. I called XXXX to pay for the extra week on the phone and internet and was given the price of {$43.00}. I said OK and send the bill.
When the bill came it was for {$170.00} and I immediately called and was told they had just changed there policy and billed only for a full month. I refused to pay and told them I would pay the {$43.00}. and they said no.
In XXXX, XXXX I received a bill from Southwest Credit. I wrote them a letter explaining this and they sent me a letter on XX/XX/XXXX. This letter stated they had received my letter and they contacted XXXX XXXX regarding my account and did not receive a response from them. The letter from them said they had ceased collection efforts as they were not able to complete their investigation on my account. It was signed XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX
|
| 02/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Date XX/XX/2020, Location of XXXX store : XXXX, New Jersey .
On the date mentioned above I was falsely sold on a promotional Bogo deal as a 8 year loyal, military veteran account holding customer. On the purchase of a new XXXX XXXX which was on sale for XXXX and by adding an additional line qualified for the bogo deal, which provide an additional phone free of charge. The sales rep at the XXXX store, told me that in 2 months time I should have a bill reflecting the fee for the one phone and the credit for the promotional deal. The two months came and passed and no update was found, no letter was sent, then month three came along and I had received a letter of collections from a debt collection agency without seeing a bill reflecting my promotional credit paid. I called XXXX over 10 times prior to that and 10 more times trying to acquire a bill and it was in vain, then I went into a XXXX store in XXXX XXXX XXXX some time in late XXXX, to see if they can handle the situation and it was in vain as well they made promises that where never kept and now its been over a year and they are still in pursuit of theyre wrongful attempt of collecting a debt not owed.
|
| 03/11/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Am XXXX XXXX Consumer, Natural person and original creditor received a called from southwest credit stating that I owe a debt.I never gave written consent for them to call and I have proof that I was called several times ( screen shot of call log and audio recording ). Pursue to 15 USC 1692d ( 5 ) this debt collector has called me several times which is harassment. they have called at very bad time the has put me in troublesome situation. Pursue to 15 USC 1692c ( a ) ( 1 ) at debt collector no not communicate at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Also, this debt was already paid for via my credit card also known as my social security card, Pursue to 15 USC 1602 ( l ) a credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Southwest credit is trying to obtain money for something that was paid through my open- ended credit plan which is theft. They stated owe a debt which is a violation of my right 15 USC 1692b ( 2 ) no debt collector shall not state that such person owes any debt.
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX To : The Office of Registered Agent for Southwest Credit Systems From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles.
If you lack understanding of this paperwork, forward to your ATTORNEY.
|
| 08/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from the credit bureaus that your company is attempting to collect an alleged debt that you have listed on my credit reports. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. I disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 03/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have a few listings on my credit report that never happened. I have never heard of XXXX XXXX. I am not sure why are they coming on up my credit score saying I owe them money.. It states as of XX/XX/XXXX I owe them {$590.00} and {$260.00}. The listing for {$590.00} is dated for XX/XX/XXXX. The listing for {$260.00} is dated for XX/XX/XXXX. As i stated earlier in this complaint, I have never heard of this company so I am confused as to how is it that I owe them any money. They have never tried to contact me via mail, email, or telephone. I have read some reviews which states that this company is fraud. I would like this to be looked into. Also is there anyway possible for me to get a validation letter of everything listed on my credit report, because everything listed on my credit report are all from companies in which I have never heard of or recieved anything from.. I have two from listings from XXXX XXXX which are {$2000.00} and {$660.00}. The {$2000.00} listing date is from XX/XX/XXXX and the {$660.00} listing date is XX/XX/XXXX. I have never heard of them before. Lastly, I have a listing from XXXX XXXX XXXX for {$380.00} and the date is XXXX
|
| 08/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Southwest Credit Systems keeps calling me with numerous XXXX-area code phone numbers ( my phone number also starts with XXXX-area code ), every day, multiple times a day, for weeks on end now. ( Today is XXXX/XXXX/2017. ) Each time, it 's a new number, so blocking the phone number of the day provides little-to-no reprieve.
When I 've asked why they are calling, they say " personal business, '' and refuse to give me more details until I have verified all my personal information for them.
Every time I refuse to verify my information, because I have no written notice of debt from any business entity as of present. Upon review of my bills, as well as my XXXX credit report, I have no outstanding debts. As such, Southwest Credit Systems has no reason to be calling me. I called one of the XXXX numbers back today and asked them to stop calling me, and they refused. An exceptionally rude customer service member said, " you 'll have business with us at some point. '' Since the conversation crossed the threshold of reason, I hung up.
Submitting a complaint here seems like the next logical step. Please let me know if I can help with additional information.
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| 04/13/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I received a call from southwest credit system asking me to pay a debt owed to XXXX XXXX XXXX. I do not owe XXXX XXXX XXXX. What I owed XXXX XXXX XXXX was paid in full on or about XXXX 2015. I have my bank statements to prove this. I have been getting calls from southwest credit systems in the morning, afternoon, evenings, midnights, and early mornings. After I told them not to call me because I do not owe XXXX XXXX XXXX, they still harass, threating me, insult me and keep calling from different numbers. They call from XXXX and XXXX. They even call me and ask for my name and when I respond and say this is he, they hang up. This has been causing me emotional pain and traumatizing me to the point that I want to hurt myself. The fact that I took the right step to pay my bill and stay current on my finances to include monitoring my credit on credit karma, this even is taunting me to the point that I can not handle it anymore. Please have the company stop calling and if they can prove, in conjunction with XXXX XXXX XXXX, they need to show proof that I owe them and I am also willing to show my proof that I paid in full from my bank statements.
|
| 06/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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Was denied credit due to negative information on report supplied by Southwest Credit. Never contacted at all before information was supplied on credit report causing defamation of character and load denial. Reported that the debit took place XX/XX/XXXX. I have been a resident of XXXX XXXX since XXXX. Account was cleared with XXXX XX/XX/XXXX no balance due since moving of apartment. No signature on any paperwork to verify thus debt.
1. Statute of limitations expired in the state of XXXX in XX/XX/XXXX.
2. Southwest credit provided false information to the 3 bureaus without even verifying the debt which is unproven and the incident took place XX/XX/XXXX 3. Caused a denial of credit and score drop due to in proven false information.
4. Refuse to provide company address, web site and necessary information to receive written documentation.
5. Disconnected from phone call on XX/XX/XXXX at XXXXXXXX when requesting mailing information.
6. Reporting debt of {$180.00} that is not verified and created in another XXXX state back in XXXX past the statue of limitations.
7. Attempting to force me to pay for something that is falsely created.
|
| 04/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I was contacted in XX/XX/XXXX by a company that had an unknown number, telling me I have a bill from XX/XX/XXXX from XXXX ( spelling? ) I asked what the bill was about and to send me back up documentation. I still have not received it. They had my email address and I told them to send to my email address. I would not give them my mailing address. I contacted XXXX and they have been sold, I went thru 3 hours of people trying to find my account and the final lady told me well good luck, those people do not care what they do and they will put it on your credit.
I called back to Southwest Credit Systems and they refused to let me talk to anyone in corporate or anyone that could send me a copy of the bill.
They just put it on my credit this morning, I called them immediately and the call was recorded and the lady refused to say any more after I told her I never lived at that address and gave her my address in XX/XX/XXXX and the internet company I had.
I am purchasing a home for my XXXX year mother and I and it has killed the deal most likely. I do not know owe this bill. How you can let people do this people I just do not understand.
|
| 05/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I did not know of this collection. This account happened in middle of XXXX , It 's XXXX , The negative remarks by Southwest collection company Does not speak respectfully, attacking me on the phone, I asked for verification because the XXXX would not give me membership unless I paid ahead of time. My car would not get fixed so I could not have a membership without a car, Roadside assistance. They report wrong, dates, wo n't be respectful, verify valid account, refuse to send me document 's, address, FAX? They keep attack me as a person on phone, were you live, phone number, question by email, were my email was hacked and fraud deleted information to USDOJ. Stalking at the law, ID THEFT to collect individuals address, Business address, government websites, XXXX & XXXX , Secretary of State business entities. Abuse of power. My fico score is damaged, denied credit, loans, etc. They keep taunting me and I can not get the information, I asked them to mail or FAX but they refused! SOUTHWEST CREDIT SYSTEM XXXX XXXX XXXX XXXX , XXXX {$140.00} {$140.00} XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I received an notice from XXXX by XXXX XXXX XXXX. That the company Southwest Credit Consumer did an inquiry and placed a collection on my credit report. I contacted the company on company asking why are they in my credit. They stated they are attempting to Collect a debt for a company by the name of XXXX. I dispute this Collect and debt and information them any Collect they are trying to collect. To send the proof on the debt to my attorney. I gave the law firm. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX. Phone number XXXX. This company has never sent me any type of proof from XXXX or never sent me any type of letter they were attempting to collect a debt. They have never contacted my attorney they are trying to collect a debt. I have had several Black Web fraud accounts put in my name and address I never lived with. This why I have XXXX XXXX I also have a credit protection law firm monitoring my credit. Do to company like Southwest Credit Consumer. They have 15 days to provide proof with my signature authorizing account setup with a copy of my Id with it. If they don't I'm requesting the law firm ti file a fair credit debt lawsuit.
|
| 01/20/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
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Southwest credit sustem reported a charge for a XXXX cable debt that does not belong.. I am a very credit conscious person and always made sure that I stay on the right path ... I was a previous customer with XXXX for years..My family decided to go with XXXX because of their bundle plan which included wireless services so I contacted XXXX over 6 years ago told them about the change they instructed me to return the equipment and do I did at the XXXX shopping center in XXXX DE and all balance was cleared they were still trying to get me back as a customer,,, I checked my credit in XX/XX/2016 and there was a charge from Southwest credit system so I called them and they informed me it was for XXXX but they could not locate my information so I needed to dispute it with the credit Bureaus which I did, ,Later I was informed by the credit bureaus that they stated it was valid and it was from XXXX ago..It appears that from the dispute they located my information..I have since written the agency a letter and XXXX cable and there is no response ... This is ruining my credit and I need some resolution, ,Please help me as I do not owe this
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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In 2020 I closed my XXXX account. And moved my number, I paid my last bill. I started receiving calls that I owed a bill and it was sent to a collection agency call South West. XXXX gave me an address XXXX XXXX XXXX XXXX TX XXXX. I sent an email asking to get the bill, I sent a letter to South West Credit asking them to validate the debt, I never heard back from them.
I ran my credit report on Friday, I saw XXXX bill was still on my account. I called South West Credit to dispute the bill and make a settlement. I found out that they had my wrong address and the wrong amount.
I offered to pay half the bill to get the debt deleted from my account. They told me that I was suppose to write to them at the XXXX XXXX XXXX XXXX XXXX Texas XXXX. That address was not a contact on my credit report.
They offered to take half the money as a settlement but not remove it from my account.
I never got a chance to dispute the bill or they never validated the debt. When speaking to them today they said they can validate the debts now.This is after a year, they agreed my address was incorrect. They were very rude and also acted as bullies
|
| 07/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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On XXXX/XXXX/2016 I discovered an adverse remark being reported on my credit profile from Southwest Credit Systems, who is attempting to collect a debt on a {$74.00} account for XXXX XXXX. I was surprised as I was not aware of any debt owed to Charter, nor was I ever contacted or sent a bill. I called SW Credit Systems and they informed me that they sent the bill to an old address, and that they recently received the account in XXXX 2016. Should they have sent the bill to the correct address ( Upon closing my XXXX XXXX account I informed them I was moving and gave them my new address ) I would have paid the bill and avoided a negative remark on my credit report. There failure to meet the requirements set forth by the FDCPA, which clearly state that within 5 days from the initial communication they have to send me a notice advising me of my consumer rights and allowing me 30 days to dispute or pay this bill is now causing me serious financial harm. It is ridiculous that due to their own error, which they admit, they are unwilling to remove an unjust, erroneous, and incorrect adverse remark on my credit report.
Ref # XXXX
|
| 11/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
South west credit systems ( falsified information and dates, also threatened to sue for old dates ) In accordance of the 1681 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 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 that the information is inaccurate.
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
|
| 05/27/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a notice requesting payment from SOUTHWEST CREDIT SYSTEMS on behalf of XXXX for account XXXX/XXXX/16.
I made payment XXXX/XXXX/16 under the false representation from SW Credit that the debt would be cleared with the original creditor in 3 business days.
XXXX/XXXX/16 I contacted the original creditor and was told by them the collection agency has not cleared the debt.
XXXX/XXXX/16 I contacted SW Credit systems and was told by employee XXXX that a mistake was made on their end and they would contact the original creditor and promised it would be cleared in 2 business days.
XXXX/XXXX/2016 contacted original creditor and was advised the account still was not cleared. Called SW CREDIT spoke to employee XXXX again who advised it would take 2 more business days to clear but on that day he would send me a settlement letter via email. The same email address I received the request for payment XXXX/XXXX/16.
XXXX/XXXX/16 I received an email from original creditor that the debt was still active in their records. I also never received the settlement letter from SouthWest Credit that I was promised on XXXX/XXXX/16.
|
| 09/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have reached out to Southwest Credit three times via certified mail over the past three months. I have asked on all three certified mail letters that this debt is not correct and that I would like to have removed from my credit report. I have only had one letter come back to say that the dispute has been reported and that this bill is correct. I responded back via certified mail that I would like to know the procedure used to determine the accuracy and completeness of the information is requested within 15 days of the reinvestigation. I asked for names, addresses and telephone numbers of each person contacted regarding this alleged account. I also asked for any documents to be provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. I also made clear that any automated response or XXXX verification is unacceptable as verification. I have not received any such clarification from Southwest Credit to this day. This is clearly a violation of the Fair Credit Reporting Act and if not resolved, I will be forced to take action in a small claims lawsuit.
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under Southwest Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 11/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I am disputing this frivolous account. This account is being attached to me and has ruined my life! I have sent several requests ( 5 ) to be exact requesting this collection company and all three credit bureaus to validate and theyve failed to provide me proper, and accurate validation of this preposterous account. The most recent letter I sent was dated XX/XX/XXXX. I received a response from Southwest Credit on XX/XX/XXXX, the company responds with an alleged and fabricated statement with the company listed name XXXX, however the all edge client name is time warner cable. The bills each have different amounts ranging from {$640.00}, {$540.00}, {$340.00} HOWEVER the company demands my current balance with them is {$320.00} YET they are reporting to ALL three credit agencies the said amount owed is {$130.00}. This company has lied to the credit bureaus whom has FAILED to properly verify this underestimate the FCRA. I am demanding this bogus account be removed immediately and erased because it is no way associated to me. I have attached my proof! I demand this company remove and the bureaus remove it as well..
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We have gotten numerous calls from " Southwest Credit '' f rom XXXX asking us to call their number XXXX . Caller ID shows the number as XXXX XXXX . We then received an invoice from this company saying we owed them {$510.00} for cable service for an address we have no connection with. When my wife called the XXXX number she talked with a " XXXX XXXX '' that told her that they were trying to collect money for an address of XXXX XXXX XXXX XXXX , NC. We have never lived there and know no one who does. The letter that we received is dated XXXX XXXX , 2017 . We have never been in collections for anything in the past. I received another call from this number ( XXXX ) today with a voicemail that stated it was fro m Southwest Credit and I needed to call XXXX . I did not call them. Researching this company and these phone numbers online leads me to believe this could be a fraudulent company or something. I do not feel comfortable giving them any information over the phone etc. This is not my bill and I do n't appreciate them wasting my time, etc. Please let me know what I need to do. Thank you.
|
| 09/27/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX keeps reporting as collection of {$150.00} to XXXX XXXX XXXX I paid this bill I have cancelled check showing it was paid.
I disputed it with both credit agencys XXXX XXXX and XXXX
gave them 30 days to remove it.
30 days later its back on my credit reports as unpaid.
I am XXXX.. I call them via relay for XXXX, they tell me stuff like they ca n't accept relay calls, or they transfer me to another dept / colltion person.. and then the phone hangs up.
Southwest credit Systems, now XXXX XXXX should be forced out of business these guys are dishonest! this one negative iten is preventing me from getting a loan, even though I show lender copy of check that it has been in fact PAID in full. they say sorry not until its removed from your credit report. but you ca n't get it reomed if the XXXX XXXX XXXX keep reporting it to credit agencys as unpaid..
the XXXX BBB has suspend Southwest Credit System, now doing business as XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX due t extermly high level of complaints about them.
|
| 08/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received a phone call back in XX/XX/XXXX regarding a past due debt to XXXX. They last time I had XXXX cable was in XX/XX/XXXX in a rental home in XXXX, FL. I turned in the equipment in person at the XXXX, FL office. Cable services are billed a month in advance. I did not have a balance due when I returned the equipment.
My phone number had been the same that this so called collection agency contacts me at claiming I owe a bill and I need to make a payment. I pay my bills and everyone knows cable bills get billed a month in advance. I turned in the equipment at my local office and provided a forwarding address.
I hear nothing for in almost 2 years, from XX/XX/XXXX until XX/XX/XXXX ... this would make any question the call ... .they 're demanding payment. So I rightfully request a bill be sent to me so I can even see if this is something that is even owed. I receive nothing in the mail and then it appears on my credit report. I took their call, I politely requested a bill and one was not sent and then within days a collection shows on my Credit report. This is equal to a hostile move and highly unethical.
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today, on XX/XX/2023, I was Notified of a drop in my score on experian by XXXX points. I went to check it out because I pay very close attention to my reports. Checked XXXX and saw the same result. In addition to checking my reports regularly I havent received any mail in quite a few years regarding a validation of debt from a debt collector. The name of the company is southwest credit systems based out of Texas and they are in violation of CFPBs debt collection rule and are not abiding by the provisions of the FDCPA. I was never notified of this particular debt nor given the time to verify its validity. I was never spoken to in person, by phone, by us mail or electronic mail regarding this debt. I have been working on increasing my XXXX XXXX and diversifying my profile extensively and know better than to ignore the Initial letter. Placing a collection on my reports and dropping my score dramatically before going through the proper channels is an unfair practicing act on behalf of southwest credit systems. I would like this detrimental inaccurate information removed from my report immediately. Thank you.
|
| 02/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I recently filed a complaint ( # XXXX ) with your company against Southwest Credit Systems , L.P., located at XXXX XXXX XXXX, XXXX . XXXX, XXXX, XXXX XXXX about a debt I do not owe.
In response, " SWC state on XXXX XXXX, XXXX, XXXX contracted with SWC to collect the unpaid amount of {$490.00} on account XXXX from XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. According to XXXX, the account became delinquent XXXX XXXX ''.
I recently reviewed my credit report with XXXX dated XXXX XXXX, XXXX, and reflecting is a collection account in the amount of {$490.00} that was assigned on XXXX and reported to the CRA 's on XXXX by XXXX XXXX, located at XXXX XXXX XXXX XXXX, TX XXXX.
This account was eventually removed from my credit report after informing them that I do not owe the alleged debt.
Although, Southwest Credit Systems L.P. state on XXXX XXXX, XXXX, XXXX contracted with them to collect on the alleged debt. I believe they uttered untruth knowingly and they are XXXX XXXX, and was assigned the account before XXXX XXXX, XXXX removed it and put it back on my credit report under a different name.
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Make sure you read all of this or it will be detrimental to Southwest Credit Systems.
Notified debt collector about verification of debt. What was sent back does not verify that I XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report. Either the debt collector provides the correct validation ( bills do not show I owe the debt ) or I will file a law suit pursuant to the Fair Debt Collections act. Also please provide your companies attorney information so I may file the suit. Total legal amount not including damages is currently at {$3000.00} plus attorneys fees and I will win because the law states that so long as I am requesting verification and the collection agency has yet to follow the law I will automatically win. Also Southwest Credit Systems does not appear to be licensed to collect in the state of Tennessee. If this continues I will ask the courts for permission to sue outside the limits and I will sue for millions.
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a call from a collections company about a past due bill in the amount of {$470.00}, as well as 3 letters stating the same, from Southwest Credit, a collections company. After discussing with them we found that it was for a new account with XXXX XXXX, a telecommunications company. We then called XXXX XXXX with the information and verified that we have not used their services, nor approve any use of the services under our name or credit. XXXX then informed us it was for service for an address in Texas, of which we have no affiliation. They then required that we fill out a form, downloaded from their website, and submit an FTC report on the situation. They also require past utility bills, statement notarized, proof of Identification, and to submit all info by mail or fax.
I do think that it is very cumbersome and unprofessional that we have to prove it's not our debt, while they didn't have to do the same to verify the party involved. We didn't get an actual address or any names of anyone involved, only the collections company phone call and letter, and a brief discussion with XXXX XXXX.
|
| 02/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I spoke to a representative from the original account holder concerning my account and explained to them that I was going through a XXXX XXXX situation and needed some time to pay off this debt. I was told that they would extend the time needed to pay off the account and would not report my account to the credit bureaus. A few weeks later I received a call from a Southwest Credit Systems Rep who informed me that they were a collections agency and given my info by the original account holder. I then went on to explain to them the situation I was facing. I was told that as long as I make a payment arrangement that my account would not escalate to being reported negatively the the credit bureaus but a few weeks later I was surprised to see that they actually did report the remaining balance of what was left to pay to the the credit bureaus.I am extremely upset because I was assured that once I make the arrangements my account would still be in good standing as to not be reported negatively. I'm in the midst of buying a home and this negative reporting of an account is not helping my case at all!
|
| 11/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2018 : A debt collector has reached out to me via phone to collect a debt for XXXX from 5-1/2 years ago. There has been no prior billing for this fee. I asked them for written verification of the details of what this bill is for and they stated that they could not provide but I needed to pay the bill.
XX/XX/2018 : Received a USPS mail communication dated XX/XX/18 providing the requested information. Attached was a bill from XXXX showing a payment received of {$360.00} with a balance due of {$140.00} from XX/XX/18.
XX/XX/18 : called Southwest Credti at XXXX and spoke to XXXX XXXX. She reviewed the collection and was not notified in her system of a 5 year statute of limitation in Illinois and they have a policy not to dismiss any debts. I asked her to verify that they would no longer be contacting me on this debt and she agreed. She then told me she would transfer me to the Executive Relations Manager as I told her I was filing a claim with the CFPB. I was put on hold for several minutes and then directed into a voice mail for the Executive Relations Manager. I did not leave a message.
|
| 08/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American, Servicemember |
|
On checking XXXX XXXX, XXXX XX/XX/2018, there was a new derogatory report filed at the page : Derogatory Account Southwest Credit System XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX XX/XX/2018 from XXXX Once again, a cheesy, sub-par debt collection agency utilizes the credit monitoring system in order to harass and intimidate those who are struggling to maintain what little positive credit score remains after a major financial setback. If it had any capability at all in collecting the debt, it would not need to resort to blackmail in order to achieve its goal. In the first place, the debt was not owed to the company listed but from a third-party source that knew well the risk involved in an uncollateralized and unsecured loan. In this modern society where individuals and companies are held accountable for political correctness, these low form debt collectors are allowed to operate freely and without restriction. In collusion are the credit monitoring agencies, XXXX, XXXX XXXX and XXXX in reporting unsubstantiated claims without at least consulting the target of the harassment campaign.
|
| 07/14/2017 |
No |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SW Credit Systems is violating both the Fair Debt Collections Practices Act as well as the Fair Credit Reporting Act. SW Credit Systems is using deceptive practices to collect money from me and they need to be investigated. I obtained copies of my credit reports and noticed a listing from SW Credit Systems . I did not authorize SW Credit Systems to obtain my credit file . SW Credit Systems never sent me a letter stating that they obtained my credit file and that they were going to place this account on it. I then sent SW Credit Systems a validation letter to prove that they own this debt they claim I owe. SW Credit Systems t hen sent me old statements from XXXX . SW Credit Systems did not send me a purchase agreement, bill of sale or any type of proof that SW Credit Systems is legally entitled to collect anything from me. To this day , SW Credit Systems is still reporting this account on my credit file and trying to collect money from me . SW Credit Systems deceptive tactics are malicious and intentional. The account I am referencing is : SW Credit Systems Acct # XXXX
|
| 07/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy.
Note I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service.
|
| 08/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I just looked at my credit and was shocked to see the numerous amount of errors you have listed. I am writing to have you remove them immediately.
The following account needs to be removed immediately Account Name : XXXX Account number reason pls verify and validate all data for this account, every notation, date and balances, whether reporter or not.
Creditor Name : Southwest Credit Sys Date of Inquiry XX/XX/2023 Reason : this inquiry was made without my knowledge or consent and I would like to be provided with proof that I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623 if you have no proof of any or one, I would like it removed immediately.
By provision of the Fair Credit Reporting Act, I demand that thes items be investigated and removed from my credit report. It is my understanding that you will recheck these items with the creditor who posted them. Please send updates copy of my report to the above address.
Sincerely thank you
|
| 05/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
There requesting {$510.00} beginning XX/XX/XXXX. Name of company SOUTHWEST CREDIT SYSTEMS, L.P. My social security number obviously has been compromised because a company is coming up on my credit report about a XXXX account that I don't owned and I haven't never owned residing at the address I have been residing in since XXXX. I'm not sure where this new profound account is coming from all of a sudden claiming it was since XX/XX/XXXX. This is the second pop up account appearing on my credit report and it isn't mine. I already have fraud alert and anything I can get to freeze my credit because of someone using my social security number. This has been happening for the last fifteen years. I have been fighting about my social security number and someone having my information. Clearly these people are not speaking on anything I have had because I have proof the last internet service I had was XXXX. I don't own internet since XX/XX/XXXX with XXXX canceling my account and not having any issues but, what they have previously corrected on there end. So this is definitely a fraudulent account.
|
| 03/13/2016 |
No |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I recently discovered on my credit report, XXXX collections accounts from Southwest Credit and XXXX ( XXXX ) regarding a XXXX XXXX debt. I do not owe XXXX XXXX anything and would like to dispute both accounts in the amounts of {$400.00} and then {$250.00} both of which again, are regarding XXXX XXXX. I spoke with a XXXX Representative about the said amounts XXXX of which they verified in the amount of {$250.00}. The amount of {$400.00} they stated they were unaware of. I was told that I once I returned equipment boxes and XXXX remotes, the charge would drop off. I returned the equipment and am still seeing the fee of {$250.00}. Additionally, the charge of {$400.00} is still sitting on my credit report and both charges have been sold separately to XXXX separate collections entities.
This complaint is not regarding a loan, but rather a inaccurate collections debt. I did not see this type of complaint available under the section entitled, " which of these best describes your issue '' so I selected one of the options in order to move to the next phase of reporting this inaccurate charge.
|
| 09/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
A collection agency, SOUTHWEST CREDIT SYSTEMS, has been changing the month and year of my old XXXX XXXX/XXXX account delinquency in order to keep the account open on my credit report. In mid XX/XX/XXXX, during a recorded call with a XXXX representative, I was told by the rep that my old account was closed in XX/XX/XXXX. Which lead me to believe that my original date of delinquency may have been in XXXX or XXXX of XXXX. Whether correct or incorrect, what is clear is that XXXX originally reported my date of delinquency some time in the year XXXX. Therefore, after eight years it should have been removed from my account. However, SOUTHWEST CREDIT SYSTEMS apparently bought my debt from XXXX and has continually changed my date of delinquency to keep my account status open. I have never had any business dealings with SW, thus I've never had an account with them. XXXX XXXX-through XX/XX/XXXX, was the maximum window allowable window for SW to appear on my credit report. But, the company has, for more than three years, gotten away with re-aging my old debt/10 year old closed XXXX XXXX account.
|
| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I had T-Mobile service for XXXX month prior to canceling my account. I paid my bill in full. Somehow, XXXX opened a second account in my name, when I realized they were double charging me I asked them to fix it and they said they closed the second account. Now, they are claiming I owe money on that account. I initially called and they said that my bill was paid and when I asked them to check the account number on the bill I was told that the account was canceled and they were unable to see it. I them sent them a letter certified mail ( XX/XX/2019 ) asking for a detailed bill showing where I owed XXXX, which they failed to provide. I received a letter from a collection agency on XX/XX/2019 for {$91.00}. I then contacted the FTC ( XXXX ) to report the issue. I disputed the validity of the collection under Southwest Credit XXXX with both XXXX and XXXX. XXXX allowed me to upload documentation showing the debt was invalid and already disputed, but XXXX did not. XXXX said that the debt was valid which is not true and and I should not be held responsible for a mistake on the part of XXXX.
|
| 04/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you
|
| 10/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The credit bureaus refused to provide you their MOV ( Method of Verification ) for the ( SOUTHWEST CREDIT SYSTEM ) listed on my credit report according to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) which states : if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of the information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. FCRA 611 ( a ) ( 7 ), which is used for such a request, states : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. They have deleted it off my XXXX Report but wont delete off XXXX, or XXXX. They haven't provided any information at all showing the debt belongs to me no Contractual agreements or my wet signature showing me responsible for the debt or this account.
|
| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
On XX/XX/XXXX. A call was placed to XXXX in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX.
I have not also been able open up an investigation to Southwest Credit Ststems, L.P who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XXXX.I aquired XXXX in XXXX.
|
| 12/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I lived in XXXX XXXX XXXX back in XXXX and left XXXX XXXX I had constant high water bills due to the broken toilet that was their responsibility to fix. They sent someone out to fix it but they did not fix it properly so I kept getting these water bills that were over {$300.00}. I tried to tell the management crew but they never sent someone out again and would not assist with helping with the water bill. I requested to terminate my lease early due to their lack of consideration and constant problems with the trailer itself. They put an eviction notice on my window without serving it to me myself, I didnt even notice it for two weeks. We met in court to figure out a solution and it was agreed upon that if I were to move out by XX/XX/2019 ( 2 months before the end of my lease ) that all debt and payments would be forgiven. This year the just now stuck me with a bill on my credit report for {$2000.00} and never sent me anything for it. This debt was settled and should not be on my report. They have also not responded to me about a copy of the bill so I can dispute it further.
|
| 11/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have constantly contacted XXXX with concerns regarding accounts : XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX {$150.00} Southwest Credit Systems {$100.00} XXXX XXXX XXXX {$200.00} XXXX with XXXX XXXX XXXX advised I would need to contact the police department and FTC regarding identity theft. They refuse to investigate as they should. They send the same generic dispute results and it is disgusting at this point. XXXX also confirmed my report can be accessed without my authorization causing unauthorized inquiries and there's nothing I can do about it besides report it to FTC and make a police report.
XXXX advised they have an electronic system and communicate with the agencies and if matches their records it is verified. They are unable to submit to me the results of their investigation besides the generic language.
To zoom in on an issue, Southwest Credit Systems have sent me a bill and have yet to show this is my debt. XXXX the original creditor, has first used XXXX XXXX, then XXXX XXXX now Southwest Credit Systems.
|
| 04/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
My complaint is with XXXX XXXX service. I was under contract with them to pay {$120.00} per month for bundled service ( TV, internet, phone ) through XXXX/XXXX/15. This past XXXX, XXXX changed their billing system and, because of a " glitch '' in the new system, I began to be charged {$210.00} per month. I have made repeated attempts to resolve this issue by phone ( over XXXX hours on the phone ) and in person but have not been able to get it resolved. I grew so frustrated that I cancelled the service and tried to calculate what I thought I should pay. I forgot that the monthly bill is paid in advance so I actually have overpaid XXXX by more than {$100.00}. However, because of the billing system problem, XXXX continues to send me a bill for {$25.00} and just sent this amount to a collection agency. I have continued to call XXXX to resolve this issue ( ticket # is XXXX ) and been told several times that a supervisor will fix the issue and/or call me but none of their promises have been kept. Meanwhile, my credit will be affected by this since the bill is now in collection.
|
| 12/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit Systems, Account XXXX. XXXX opened a collection against myself on XX/XX/XXXX for a debt that I am alleged to owed XXXX in the amount of {$340.00}. I had XXXX XXXX ( Xfinity ) as of XX/XX/XXXX, until I moved to my new house, where XXXX was not offered. I paid XXXX on XX/XX/XXXX in the amount of {$300.00} to close my account and I also returned all equipment to XXXX in XX/XX/XXXX. Ever since then, XXXX has been sending this debt to collections every XXXX month since XX/XX/XXXX. Each time I send the collection company a copy of my XX/XX/XXXX bank statement from XXXX, to prove that I paid that debt and dispute the amount owed. First company was XXXX and now Southwest Credit Systems. On XX/XX/XXXX, I disputed this debt thru XXXX dispute center and on XX/XX/XXXX and the result of that debt was updated on XX/XX/XXXX that I owed {$340.00}, when in fact that I paid ( {$300.00} ) almost XXXX years ago. Basically, XXXX represented, XXXX, stated that I provide additional proof. Even though I explained that I do not owe this debt to Southwest Credit System or XXXX.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was the victim of identity theft on XXXX XXXX, XXXX when someone used my personal information to purchase devices and services from XXXX XXXX online. Since I am not a XXXX customer and never received any bill in the mail I did n't find out about the fraudulent charges until it appeared on my credit report a year later. As soon as I found out, I contacted XXXX Fraud, filed a police report, and submitted the necessary paperwork to the tree credit bureaus. On XXXX XXXX, XXXX XXXX Fraud sent me an email stating that after their investigation they determined that I am not liable for the fraudulent charges. However, two weeks later I started receiving phone calls and a letter in the mail from XXXX XXXX, a collection agency form XXXX, TX. When I talked to them on the phone and explained that the case had been closed, they said that XXXX had just submitted the claim for collection on XXXX XXXX, XXXX, which obviously makes no sense. So, it appears that XXXX is trying to make money by illegally pursuing a non-existent claim. They also added a " collection fee '' of {$150.00}!
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Morning, SOUTHWEST CREDIT SYSTE flagged my account as Collections on XX/XX/2021 stating an unresolved utility bill. When checkingwith XXXX as to any outstanding payments on my previous account, they stated there was never was an outstanding debt. The recent collection flagged as an open account in XXXX, I never opened an account at this time and the amount is the same amount for the XXXX, 2021 collection that was resolved.
This company not only attempts to place collections on my accountfor money I do not owe they also call under a different name, XXXX XXXX and searching their name on line they are known for harassing consumers. I would think there is some legality here as it has alreadyhas been determined the money they are requesting for payment has been paid so I do not know how legally they can report on my credit a collection that is nonexistent and also call me in regards to. Therefore, I am turningto you for some guidance as to how to stop future collections being placed on my credit report as well as stopping the harassing phone calls.
Thank you, XXXX
|
| 03/25/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.
|
| 08/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.
|
| 03/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I Used to have XXXX XXXX and was a client for over 15 years and had gotten a replacement sent and I sent back broken item was told 4 months later that they received box with no phone I went back and forth with them and told them that made no sense that they should track phone they told me they could not help so I told them would leave as they did not help so I cancel services and they kept a line open another issue I sent back the XXXX I had just purchased and told them mail me out final bill so I can pay months later they send bill and added both phones know they said they never received XXXX XXXX back again I had tracking info but they would not budge back.Well this pass XXXX I received a job offer after months I took over they had to do a credit check and come to know a company had put me in collections without my knowledge never received letter to calls letting me know I try to reach out and left messages and no response company name was SOUTHWEST CREDIT SYSTEMS I have the phones tracking numbers I have never had a collections account and pay all my bills
|
| 04/06/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The reason I'm filling this dispute out is because the company I've went through which is a third-party company of XXXX insurance has put an inaccurate collection onto my credit this year after canceling my policy last year. On XX/XX/XXXX of last year, I canceled my policy due to cost. I continued to tell the representative that after this month, I am canceling my policy so take me from their scheduled system of auto-pay since I won't be using their company for insurance anymore. The representative didn't cancel, nor did they take me from their payments, after me asking them to, charging me an additional XXXX for a policy I had already canceled on XX/XX/XXXX of XXXX. They continued to charge me for a policy I canceled. I have messages ( text which was one of the only ways that the representative communicated ) from the representative proving that I asked of these things, with no reply nor did they tell me that they didn't cancel it after I canceled it and informed the representative that I am canceling and would not want to use their insurance policy anymore.
|
| 06/11/2016 |
No |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with SW CREDIT SYSTEMS L.P.. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P. purport I owe. I request that SW CREDIT SYSTEMS L.P. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/ I mailed a debt validation letter to southwest credit systems using certified mail. The letter was asking them for proof of my agreement to pay the original creditor, a copy of the final account statement issued by the original creditor, a breakdown of the total amount due, an agreement with the original creditor that grant them the authority to collect on the alleged debt, verification that this debt was assigned or sold to a collector, complete accounting of the alleged debt, and commission for the debt collector if collection efforts are successful. I notified them that they had 30 days to validate the debt or all references to the account must be deleted and completely removed from my credit file, and a copy of the deletion request should be sent to me immediately. I also asked that they not contact me about the debt. They received this letter no later than XXXX XXXX XXXX, which I have the certified mail return postage to verify. They have not sent me any proof or verifications of the debt and I wish for it to be removed from my credit report.
|
| 05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
|
An internet company, XXXX and credit collection company, Southwest Credit are trying to scam me for {$140.00} I do not owe. I have never had an account with XXXX. Those companies, with no notification to me, filed this debt on my credit record on XX/XX/XXXX. I learned about it on XX/XX/XXXX. I called SW Credit, they said it was a bill that I owed XXXX XXXX from XX/XX/XXXXand XXXX had purchased XXXX XXXX. I did have an internet account with XXXX XXXX in XX/XX/XXXX. In XX/XX/XXXX I had a XXXX XXXX, my wife was a XXXX victim. After my XXXX we had to close our home and move into a XXXX home.
XXXX XXXX was notified, the antenna and all internet equipment was shipped to them. The contract was cancelled, they sent a final bill. It was paid and we never received further correspondence from them. Then three years later, this appears on my credit report. My wife has XXXX XXXX. I am an XXXX year old XXXX XXXX XXXX XXXX XXXX veteran, live alone on a fixed budget with little but my past memories. As a matter of decency, I would like this removed from my credit record.
|
| 04/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
SW CREDIT SYSTEMS L.P. # XXXXI have a a unverified account from XXXX . I had previously disputed this account. I have never done business withXXXX XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt SW CREDIT SYSTEMS L.P purport I owe. I request that SW CREDIT SYSTEMS L.PProvide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SW CREDIT SYSTEMS L.P Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Turned off XXXX cable/wifi internet XXXX XXXX by physically going into the XXXX XXXX va XXXX XXXX spoke to the worker and turned in a XXXX XXXXXXXX and a XXXX XXXX package in a big cardboard box. Approximately a week later an XXXX worker came to the pole at my home and inserted a lock/filter at the cable line. Started receiving bills in XXXX, XXXX for XXXX called them to fix the issue which they did and now im being mailed a collection bill from southwest credit systems to recover XXXX for cable /wifi i did not receive and had disconnected XXXX XXXX is a cancellation email that they even went so far as to back date it to XXXX XXXX and this email was sent on XXXX XXXXSo while the local store cancelled it and came out and turned it off at the pole and receieved there equipment they did not communicate it with there head corporation is what I was told and that I should have called in to there XXXX number to cancel so they try to retain me for a cheaper price and I have confirmed this is a tactic they use from a former employee who does this very job at XXXX
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
When I canceled my XXXX Account for XXXX XXXX XXXX under my name XXXX XXXX, they asked for me to return the equipment. I had a delay in returning the equipment due to moving. I was given reminders via email to return the equipment. The amount that they are trying to claim I owe ( around {$100.00} ) is for a cable equipment box that I returned. I have the receipt from XXXX with the confirmation that they received it, along with the serial + model number listed in the confirmation email. The email is addressed directly to myself from XXXX/ XXXX and I have tried to dispute this with the debt collector by providing a screenshot proof of what I have explained above and I have received no response from them. The debt collection still remains on my credit reports and I want this removed. This is not the first time that I have had this collection placed, it was placed once before many months ago and I called XXXX directly and they confirmed receipt of the equipment and said they would notify the collector to remove the collection. This obviously never happened.
|
| 03/25/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.
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| 12/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On the date of XXXX XXXX I was sent a letter from SouthWest Credit Systems L.P. Stating I owed a debt of {$1500.00} represented by XXXX XXXX trying to collect a debt that was not owed at all. XXXX XXXX XXXX Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps.
So me knowing this I sent XXXX a letter stating this so Im guessing they XXXX my amount then sold it to southwest credit systems L.P . Which is not accredited to even collect in the state of pa. I will submit the info that shows theyre not a credited also.
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| 11/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received notice from a credit monitoring subscription in XX/XX/XXXX that Southwest Credit Systems,, XXXX XXXX XXXX, XXXX TX XXXX Phone : ( XXXX ) XXXX is now reporting on my credit report as a collection. I 've never received a single letter from them and no notification at all. I called XXXX XXXX directly and they are telling me that it 's a XXXX XXXX bill for {$52.00} from XXXX. I explained that it could n't be because I still have XXXX as a provider and not only would XXXX not allow me to continue service with an outstanding balance but I also never received any notice not only from XXXX but from Southwest at all. Southwest rep told me that in the state of New Jersey they do not have to send any notification which I know is untrue. I did call XXXX and the rep researched the account. XXXX confirmed that I do not owe any money and they have no such collection account with Southwest that is linked with me owing any money. I disputed this with XXXX and it came back verified that Southwest is stating they verified the debt. This again is untrue.
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| 10/15/2018 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I had an outstanding debt with XXXX XXXX XXXX. Southwest Credit was handling the debt collection. XXXX settled for {$6300.00} I spoke with XXXX about the amount they would settle for and Southwest had the same amount and that is what I paid in XX/XX/2018. I have since learned that XXXX still has not received the monies paid. It seems SOUTHWEST CREDIT is trying to keep at least {$2000.00} of it for their commissions. I have talked with SOUTHWEST several times and no one has ever said anything about commissions to me. Southwest keeps telling me it has been paid in full and they keep the {$6300.00} and send XXXX a paid in full letter. Per XXXX they are to receive the monies and SOUTHWEST is offering the {$4000.00} to XXXX and SOUTHWEST wants to keep the rest for their commissions. I have worked very hard to pay this and straighten out my credit. The contact I dealt with is XXXX XXXX AT XXXX at SOUTHWEST CREDIT. The contact at XXXX is XXXX in collections at XXXX my account ends in XXXX. Please help me get this straightened out. Thank you, XXXX XXXX
|
| 10/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from Southwest Credit Systems after disputing the information that I owe a cable bill from XXXX. I asked for the original contract of the bill, as well as identifying information such as my birthday, SSN, or any other identifying factors that would show me that this debt is mine. I knew that the information is incorrect because I use XXXX for my internet, with the bill and all of the information is in my name, and not anyone else 's. They are reporting on an account that I never had, as my XXXX and account are current with XXXX. They are calling and sending harassing information to my phone and reporting to the credit bureaus that this information is correct. It was deleted on my Equifax account in XXXX of 2017 and then placed right back on my account without any notice. After my second time disputing it I do n't know what else to do because this is not my bill, and I should n't be responsible for this bill. I have had this company for at least three years and none of my bills from XXXX are in collections with this company.
|
| 06/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. SW Credit Systems L.P has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Older American |
|
This is my second attempt at getting a resolution with a Mobile bill that has been placed in collection. It was originally placed through XXXX XXXX XXXX when I reported it to your organization. XXXX response was that, " The account was placed in a disputed status and collection activity was suspended. On XX/XX/2022, we mailed you documents obtained from XXXXXXXX validating the balance they state is owed. In addition, you were also mailed a fraud packet. In an attempt to help you find resolution '' The above statement is false. I never received a packet, if I had I would have taken care of this issue. I do not want to waste your organizations time, but I need assistance with resolving this matter. I am asking that XXXX proved proof with my signature on a contract dated for the dates of service. I have requested this from XXXX and they have not been able to provide that information. I appreciate any and all support you can provide. I am retired and live on a fixed income and would like this matter resolved once and for all. Thank you so much.
|
| 09/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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Hello, As I was looking at my XXXX Credit report, I found that Southwest Credit Systems was listed. I had never heard of this company and did not know why it was on my credit report. It was sometime that I realized that it was a collection agency I guess hired to collect on a old XXXX XXXX bill. It was then that I realized that I had already paid this old bill off directly to XXXX XXXX and that is why I was able to renew internet services from XXXX XXXX, which is not XXXX. I had NEVER received anything from this company and do not understand why thy are being allowed to place this old and already paid collection on my credit file. I have never had any dealings with this company.
Back in XXXX I submitted a debt validation to XXXX and several additional times over the course of the last few months have requested verification of any dealing with this company. as stated before, I had already paid this bill Directly to XXXX XXXX. This company continues to have this on my record even though they are fully aware I ahve had not contact with them.
|
| 07/13/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
|
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( The choices above do not accurately describe this situation, I selected the one that I felt was best. ) Southwest Credit Systems ( SWCS ) has been reporting a collection account on the XXXX main credit bureaus for a XXXX account ( # XXXX XXXX since XXXX/XXXX/2015, in the amount of {$330.00}. SWCS was made aware of the fact that these charges are not accurate and in dispute based on the cramming activity XXXX was engaging in ( Federal Trade Commission v. XXXX XXXX , XXXX ).
I was not contacted by XXXX, as I have moved from my previous address and never received information from them regarding Federal injunction or class action. I only became aware after reviewing my credit report and researching online. An online page was set-up, by XXXX, to aid in getting information regarding old/closed accounts, but it has since stopped receiving new complaints or allowing for review of old/closed billing information.
I do not think the balance {$330.00} being reported by XXXX is correct and they refuse to change or cease collecting on this account.
|
| 01/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I had some communication with XXXX about 2-3 years ago about asking for my hm phone as they claimed it belonged to them, I had XXXX phone services at the time and they asked that I request my old ph number from XXXX to use it. I had to pay about XXXX at the time and they let me use it. Someone from there came out and took their wire out. I then kept gettin a bill for XXXX for phone service I never had from them??? Now it appears it's with about 3rd creditor Southwest credit systems and they don't have any information on when or what is owed?? I don't owe XXXX anything period. But they also put this on my credit report as derogatory? I don't have any info from back then I'd really have to look and it was appeared cleared back then??? I want them off my.back and credit cleared. Very aggressive company!. I would never do any business with them and I haven't in years. The letter recent is from Southwest Credit Systems LP XXXX XXXX XXXX, XXXX TX XXXX XXXX. I don't know why I would have to continue to argue with these creditors 2-3 years later?
|
| 06/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
I awoke today to an email from the XXXX XXXX App stating that a new duragotory remark was added to my credit. This is from a company I do not recognize. Please verify the debt and that the info is accurate. This debt is likely too old to be collected given the current statute of limitations. Surely not proper notification by the fair debt collection practices act was followed. I do not think this debt is valid. Additionally I am financially impacted by covid19 natural disaster at this time. Please remedy by removing this from all negative credit reporting. Do this for all agencies you report to ; on both XXXX XXXX XXXX XXXX Please also provide me a written letter of exhoneration once this is completed. Your mishandlings on this file and any companies you may have bought this debt from are invalid. Please remove to avoid legal action and civil lawsuits for the aforementioned mishandlings. As you know false reportings and negative credit reporting greatly impacts ones life. Shame on you and the company who escalated this to you. Remove asap!
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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In XXXX XXXX we contacted XXXX XXXX to install service in our home. The technicians they sent us either were too lazy to fix the problems or they were incompetent. Finally after th e Manager of the local office, XXXX XXXX got involved he personally had technicians come out and get our services up and running. This took a total of 7-8 wee ks of frustration and consistent calling on our behalf to get it done. XXXX gave us a whopping {$30.00} credit for our trouble. We continued to pay our bill but when our contract was up we delivered their equipment to them and and told them that whatever else was owed was on them for our two months without adequate service and sometimes no service at all. They are attempting to collect the " outstanding balance '' and uses XXXX to come after us for it. After we detailed the trouble we had the first two months with XXXX they refused to continue collection efforts. XXXX now 'sold ' debt to someone else and they are contacting us. We will not stand for this over and over again.
|
| 06/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
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I planned to move from XXXX XXXX to XXXX in XXXX. Before XXXX/XXXX/2022, I called XXXX to request them to stop my service. they made sure my bill was paid before ending the service. A monthly letter I moved, I got a letter from XXXX that I must pay XXXX XXXX I reminded them that I paid everything. The lady agreed but say that is the penalty for leaving their service which is not fair. I told them I won't pay because I know anybody can leave any service if they can not use it anymore. I've never got a call for XXXX or the collector since then. Recently, I was trying to get preapproved by lenders, they told me that I have a collection debt. I asked for who, one of the lender gave me the number, I called, they told me it was from XXXX. I explained that the charge was not fair and I told the lady nobody contacted me. Because I did not want to argue with them, I paid off the debt. I am getting hard time being qualified for my mortgage. I need that collection off my credit. It will be very helpful. The XXXX company doesn't want to remove it.
|
| 05/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
-- -- -This is not a duplicate -- -- -Southwest credit systems LP reports to XXXX that I opened an account on XX/XX/XXXX with XXXX. I did not open an account with XXXX, nor have I had an account with XXXX in years. This information is incorrect and must be removed from my credit reports.
How can an account opened in XX/XX/XXXX already be in collection to a third party debt collector in XX/XX/XXXX?
I need validation of the debt.
I'm requesting all further collection attempts including reporting to all credit bureaus be stopped.
I'm requesting a validation of the amount owed.
I'm requesting all payment history.
I'm requesting the date of first/last delinquency.
I'm requesting a copy of the information that was used to validate my identity when they account was opened.
I'm requesting that you refer to the last company that purchased this debt that is no longer reporting to my credit because they couldn't validate the debt.
I'm requesting that you refer to my first complaint to your company before preceding with this one.
|
| 08/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit reports were hit with collection accounts from Southwest Credit Services with out sending me any letters in the mail or any other communication attempts just as I am in the processes of closing on a mortgage for a newly constructed home in XXXX XXXX, MD. I located their contact information online after receiving an alert on my mobile credit monitoring service to be greeted by rude representatives who were n't even able to located any accounts for me when I gave them my social security number. They can now that I have given it to them, but could n't prior to my first call. I was transferred to their fraud department and was told that I would be mailed a fraud packet that needed to be completed and sent back, but nothing ever arrived in the mail. Also was told that the items would be removed from my credit during the investigation, but that never happened either. I stand to lose XXXX of dollars in a earnest money deposit over a {$250.00} collection account. What kind of country do we live in that something like this can happen?
|
| 12/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed my XXXX account in XXXX with the balance paid in full, and have documentation from XXXX showing this. According to XXXX and debt collectors, XXXX 's systems seem to indicate that there was an outstanding balance on the account from XXXX or XXXX of XXXX. I have a document ( see attached ) from XXXX dated XXXX XXXX, XXXX stating that I returned my equipment and had no outstanding balance. This account has been repeatedly sent to collections agencies. In XXXX, I successfully disputed the charges and the collection agency XXXX XXXX XXXX XXXX requested that all reference to this debt be removed from my credit history ( see attached ). Unfortunately, XXXX simply contracted another agency to collect the debt ( SW Credit ). I have called XXXX multiple times, but no one has been able to explain why I owe this money when I have a document showing that my account was paid in full when I closed it. They have not even been able to provide an email address that I should send a copy of the documentation to so that XXXX could evaluate it.
|
| 05/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XX/XX/2022 I decided to order an internet router that included a trial of 30 days. XX/XX/2022 I decided to cancel the service and proceed with the steps to return the router. I got everything I needed afterwards to do that before time came up short on me. Unfortunately, I left to the XXXX XXXX to attend XXXX XXXX XXXX and left the responsibility to a family member to solve the matter. By that time I was not able to do anything because I was out of town attending training and my family members were out of town too. I did not communicate effectively to be able to fix the issue as I was in XXXX and my time was limited to solve things of my personal life. Months passed and when I came back home my family members briefed me of the current situation. There was a lot of mail cards sent to my name BUT I was never at home and they would not open anything when I'm not there. The router is still in my possession and I would like to return it If the debt can be removed as I can not afford to pay the unfair amount that was put on the account.
|
| 05/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In 2015 I was a consumer of XXXX cell phone services. I received a bill for an erroneous amount and tried repeatedly to resolve this issue. In my efforts, I was transferred numerous times to many different representatives and had to repeat the complaint over again to each new representative. A number of times I was placed on hold so long that I had no choice but to disconnect the call. Out of frustration with XXXX, I requested that my account be closed and was transferred to a relationship representative. I repeated the same complaint about being billed erroneously and thought the issue would be resolved, but was not. Instead, I received another bill including additional late charges and disconnection fees. I finally had no choice but to switch carriers w/out resolving the billing error. I've discovered that this outstanding amount {$1900.00} is now being reported on my credit report by Southwest Credit Systems. I'm requesting that the CFPB assist me in getting this matter resolved and removed from my credit report.
Thank you.
|
| 06/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2023, I learned from a credit alert notification that a new collections account had been added to my credit reports in the amount of {$10000.00}. Upon further research, i discovered that my stolen identity was used to obtain an apartment lease somewhere with this property management company in Texas. I have an existing extended fraud alert on my credit reports due to past identity theft issues, and evidently the creditor failed to review my credit report, as it clearly says to contact me and take addition measures to verify my identity before issuing anything. Only about a week later, i received a notice in the mail from a debt collector, Southwest Credit Systems , LP. I promptly send them a response disputing the debt for the reason that it is identity theft, along with the identity theft report that was filed immediately upon my receipt of the alert on my credit reports. As of today 's date, Southwest has not only failed to provide evidence of the debt, but is also continuing to attempt to collect a fraudulent debt.
|
| 02/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted this company about a debt that has been causing emotional hardship and financial hardship in my life. I called this collection company to let them know that this charge is a result of fraud that should have never been drawn back to me. I have spoken with XXXX several time and gotten this collection removed off of my report, just for them to consistently report back to my account. They advised me to make a police report about the situation. I have spoken to several policemen just for them to tell me that it was not anything that could really help me in this situation because i have no names, times, or dates that would help build a report. My credit score has went down dramatically to the point were i can not even finance a credit card to help pay for my son 's XXXX XXXX XXXX. All i can do is put a XXXX XXXX on my credit in hope not to get attacked again. The company is named Southwest Credit System. Address is XXXX XXXX XXXX XXXX, TX XXXX and phone number listed is ( XXXX ) XXXX. They say I am to pay {$920.00}.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
My compliant is with Southwest credit. I sent a letter on XX/XX/2021. Stating that I owe {$430.00} too XXXX. When I received the letter I called a few days letter. Letting the company know that I paid this to XXXX over a year with another company. They said I can dispute the charge by mailing a letter to the company and they will open a claim. Fast forward today 's date XX/XX/2021. I find out Southeast credit has reported my a collection account to the credit bureau. My credit not has dropped 34 to 54 points in a matter of a day. The company told me that they had the collection with them since XXXX of 2021 and only reached out to me on XX/XX/2021. They did not send me the proper notice prior to reporting the account to the credit bureau. It says in there letter that I have 30 days to respond and they did not give me the 30days. I had also ask how they received my ss number and they did not have an answer for me.
The company has also violated the Consumer Fair credit act by asking me to verify myself with personal information.
|
| 05/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notice on XX/XX/2020 from XXXX, a credit monitoring service, that a derogatory report appeared on my credit report and that my credit score had decreased. The company making the report appears as Southwest Credit Systems on my Experian credit report. The derogatory report appears as XXXX XXXX XXXX on my XXXX XXXX report. I have not received written notice of any debt owed either to Southwest Credit Systems or XXXX XXXX XXXX. As such, I have never been given an opportunity to dispute said debt ; however, a derogatory remark appears on both my XXXX XXXX and my XXXX credit reports. On XX/XX/2020, I disputed the derogatory report with XXXX. On XX/XX/2020, I attempted to dispute the derogatory report with XXXX XXXX, but XXXX XXXX website did not afford me the opportunity. Under the Fair Debts Collections Protection Act, I have the right to be informed in writing of any alleged debt owed and I have thirty days to dispute that debt. I have been denied both of these rights. Furthermore, I am not in arrears for any debt.
|
| 04/14/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Debt collection agency SW CREDIT SYSTEMS, XXXX, TX placed negative information in my credit report that dropped my score XXXX points ( from XXXX to XXXX ). They did not leave a voicemail about the {$130.00} debt due to XXXX XXXX after a summer job last year in XXXX, WI. I had paid my bill by check so an address was available. They said they called, but never left a phone message. The name on the bill was incorrectly listed as XXXX XXXX, but somehow they were able to find my correct social security number and attach the debt collection to my credit report. This is UNETHICAL and should be unlawful. I paid the debt immediately upon notification it was due. I have stellar credit and I want it back. Now! The report indicates it will remain on my report until XXXX 2022. I have always had very favorable interest rates due to credit score. It seems incredulous a {$130.00} debt could negatively influence my ability to borrow for the next eight years. I would like the information removed so my score returns to a typical XXXX. Thank you.
|
| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I sent the following letter and have not heard anything back SW CRDT SYS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX Dear Sir or Madam : I recently checked my credit on XXXX and found that you had entered a derogatory mark. There must be some mistake as Ive never heard of you or from you. Not one bill. Ive lived at the same address for over 30 years with the same home phone number.
Perhaps you have the wrong person I dont know but I pay my bills.
Please look into this and remove the erroneous mark ASAP So I sent the below to XXXX and XXXX I recently obtained a copy of my credit report from XXXX and found a derogatory mark from SW CRDT SYS. There must be some mistake as Ive never heard of them or from them. Not one bill. Ive lived at the same address for over 30 years with the same home phone number. And I pay my bills.
I would appreciate it if you would look into this matter and clear up this remark.
I thought it might be from a dispute I hade from XXXX XXXX so I got my XXXX report and they don't show anything
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a information from XXXX XXXX, that`s my social security number received a collection account. Account balance : XXXX $ From Southwest Credit System, and original creditor is : XXXX.
My plan is form XXXX Since XXXX.
I went on XXXX XXXX store, today ( XX/XX/XXXX ), They couldn`t find anything in my social security number, The Southwest representative said, the XXXX doesn`t have any information about this debt, but the Southwest have it. That`s crazy.
The " unpaid '' bill was in XXXX.
I`m trying to get the original bill from XXXX XXXX, but XXXX XXXX doesn`t have the bill. The Southwest Company always said tha`ts will send to my address, but i never received anything about that.
The other thing is, the Southwest representative said the original amount is XXXX ... So they are charging XXXX?
I`m trying to loan a new car but my credit was not approved because this collection, where no body have the original bill.
Just check the reviews from this company ... they do not have good behavior on the market.
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit System c alled around XXXX 2017 , stating that I had an outstanding balance from XXXX . Around this same time I received documentation from XXXX stating that equipment has not been returned and that the large bala nce ( {$700.00} plus dollars ) can be due to the result of equipment not being returned. XXXX was contacted shortly thereafter and informed that the equipment was sent back and should be in their possession. XXXX , later states that the balance is due to nonpayment, not equipment. On XXXX 2017, Southwest Credit System re ported me to the Credit Bureau for {$230.00} which was already paid in full. Also, at no time was I given a bill of {$230.00}. On XXXX XXXX , 2017 Southwest Credit System was c ontacted and informed that the report of {$230.00} should never have been reported to the Credit Bureau. They were asked to remove/delete this negative reporting from my credit report, but refused. I am asking that this negative reporting be removed from my credit report.
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Since we are experiencing a national pandemic. I believed it would be a good idea to keep an eye on my credit by signing up with XXXX XXXX and XXXX XXXX. On XX/XX/2021 I received an alert from XXXX XXXX. The notification advised that Southwest Credit Systems flagged my credit report. I contacted Southwest in regards to this alert because I had/have no knowledge of the account ; the account holder ( Southwest Credit ) failed to verify this debt prior to reporting ; although, they had/have my current address on file ( and this was confirmed by a customer service representative as well as a supervisor ; also all phone calls are recorded so this can be confirmed that they had my " current '' address ) - yet they mailed the correspondence to a over five year old address. I feel as though, since Southwest had my current address they could have validated the account ; however, they decided to go another route which I look at as a scam tactic - which is shameless since we are experiencing a pandemic and money is tight for some.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
On XX/XX/2018 I was contacted by Southwest Credit Systems to collect a debt originally from XXXX XXXX. During that communication I requested that the company desist attempt to contact in accordance with the Fair Debt Collection Practices Act. The company continued to attempt to contact me until I answered the phone again on XX/XX/XXXX. I recorded this communication with the collection agent 's permission. In this phone call, the agent indicated that my file had notes from the previous call, to include my request to desist communication. After being asked about the continued calls, she then stated that she saw no such record of a request being made, and that she had not ever said there was such a record. The recorded conversation proves otherwise. Southwest Credit Systems is not only violating the Fair Debt Collection Practices Act, but maliciously altering company records in order to do so. I wish for all communication to cease from this company, except for the permitted communication allowed under the FDCPA. Thank you.
|
| 08/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good Evening XXXX or Southwest Credit Systems Rep ; How are you? Listen, I was actually shocked today when my loan officer pulled & reviewed my credit report and noticed that on my a {$260.00} XXXX Collection account that I wasn't aware of and never received any prior notification. After talking to several representatives today, they mentioned that it was from a last bill or equipment that I didn't turn in after the cancellation. I don't recall having any bill or issue with XXXX, however, I didn't want to waste any more time with this negative item on my credit and the Rep agreed that once the full payment of {$260.00} paid and cleared they will demand the credit bureau, XXXX, XXXX, and XXXX to DELETE or remove the trade line from my credit report. I've gone ahead and attached the receipt showing that it was paid as agreed and I would appreciate if it can be removed sooner because I'm under an agreement to close on this new house for my family here in XXXX MA. Thank you in advance and please reach out if anything.
|
| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I requested a debt validation from the credit companies for each account. ALL FOUR REQUESTS FOR VALIDATION MUST BE RETURNED in 30 days. I requested on or around XX/XX/XXXX, XXXX, XXXX, XXXX. As codified by federal law I requested : Debt validation- 1 ). Copy of the ORIGINAL CONTRACT with my SIGNATURE for the debt.
2 ). FULL payment history from the original creditor 3 ). Need the name and address of the original creditor 4 ). Need proof that they now own Or have been assigned to collect the debt.
Most companies sent the name and address of original creditor and the proof they have been assigned to collect the debt not NONE of the credit companies showed NO ACCOUNT WITH AN ORIGINAL CONTRACT WITH SIGNATURE OR A FULL ( not just a month or two ) HISTORY.
As codified by federal law these accounts must be closed and must be r
emoved as a Derogatory mark on my 3 credit reports. I gave contacts them to explain that they have not returned the full request as required by law and are refusing to close and remove remarks.
|
| 09/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest Credit Systems of XXXX XXXX XXXX # XXXX, XXXX, TX XXXX has fraudulently reported to all three credit bureaus an outstanding balance of {$92.00} with " XXXX '' on account it is showing as " opened '' on XX/XX/2021.
Initiating communication with this company as well as XXXX has been impossible. This company deliberately puts you on hold and leaves you there without answering any questions.
I can not even begin to resolve this fraud because it simply state it is with " XXXX, '' a worldwide company. If you try to obtain discovery information from XXXX, they say they no longer have the account and refer you to Southwest Credit Systems.
It is a willful and deliberate game of chase your tail and is an outrage. I am planning to seek litigation against Southwest and have also preparing to testify before U.S. Congress on a federal bill aimed at such unscrupulous companies. I am also a national news reporter and plan to begin covering the mess these collection agencies have made of people 's credit standing.
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent Southwest Credit Systems a letter disputing a collection account that they claimed I owed {$170.00}. I asked them to send me proof bearing my signature that I had some legal obligation to pay them and they responded by sending me an invoice from XXXX. I didn't have an account with XXXX and I believe that the invoices that they sent are fraudulent. They responded on XX/XX/XXXX with the fake invoices. I again asked them to remove the collection account because they didn't mark the account disputed within the allocated 30 day time frame from signing for the first letter. This letter didn't show any proof bearing my signature that I had some legal obligation to pay them. I asked them to again validate the account and if they couldn't validate the account, they should remove it. They signed for this letter on XX/XX/XXXX and instead of sending me proof bearing my signature, they sent me an even bigger packed of falsified billing statements. They aren't adhering to fair debt collection practices.
|
| 07/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX The above companies are reporting an account which they claim is mine but when asked for verification and validation of debt they did not provided me with validation of debt. A validation letter was sent to them on XX/XX/17 and no answer was received. Instead they renewed the reporting of the debt on my credit report with a recent date. I also sent verification to the credit bureaus XXXX, XXXX and XXXX on XX/XX/17 but they only verified the account. I seek protection under the fair credit reporting act that this account be immediately removed from my records since the company above is in violation of such act. They also did not reply to my validation letter ignoring several attempts by me for them to send documents with signatures and proof of debt.
Please investigate this account and have this company immediately remove their reporting immediately from my records.
Thanks, XXXX XXXX
|
| 03/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently started looking at my credit report and noticed this collection account, which I was not aware of. It's from SouthwestCredit on behalf of XXXX. This is NOT my account, and I DO NOT owe this debt. I have been with XXXX XXXX XXXX XXXX.
I called SouthwestCredit to ask for more information regarding this debt, and I was met with passive-aggressive threats of legal action. The operator contradicted herself by saying that this account was already in litigation and offered a settlement amount in order for this to be resolved. I know this is false and misleading, as it is clear that if something were in litigation, they would not have spoken to me.
I want to be clear that I initiated communication and requested correspondence and clarity regarding this debt. A week after I requested it, I received a bill from Southwest on their letterhead and it doesn't provide proof that this belongs to me. Attached is the bill I received from this collection agency. I am 100 % positive this debt/account is not mine.
|
| 11/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Stating from 15 USC 1692a, I'm a consumer, it means any natural person obligated or " allegedly '' obligated to pay any debt. I, the consumer would like for you to verify this alleged debt that you have placed on my credit report. I do not have a contract or agreed that I will be paying this alleged, stating from 16 CFR 433.1 ( f ), it says a contract any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof. I would like for you to provide the following for me : -What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state -Provide me with your license numbers and registered agent or agent of service
|
| 07/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently reviewed my credit report and noticed a collection made by southwest credit company.on XX/XX/23 I sent my first letter to the collection agency to validate the debt and to prove that I am indeed the party who is by contract obligated to pay off this debt. I also requested the following : 1. Agreement with your client that authorizes you to collect on this alleged debt.
2. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
3. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.
I did not receive what I requested by southwest to ensure the validity of the debt.
On XX/XX/23 I sent a second letter requesting for validation and not verification. Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed, and validation is requested. I was mailed back a bill. Which is not competent evidence that I have any legal obligation to pay them the alleged debt.
|
| 05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit today and saw Southwest Credit ( SWC Group ) about a balance on my credit. They stated it was reported in XX/XX/XXXX but when I advised I moved from location in XX/XX/XXXX she then continued to advise me they received the debt in XX/XX/XXXX. I informed them that I never received any calls or notification from them in reference to the debt. She then told me they're a data company and don't have to send me a validation of debt. I asked her if she was a debt collector and she stated yes. I then advised her I was a collector and she then confirmed they are a collection agency but then quickly changed her response back to they don't have to send me anything. She then said she's going to transfer me to someone who's going to tell me the exact same thing. Was placed on hold and nobody ever came back to the line.
I never received any communication of them having the debt and was refused a validation period.
SWC Group Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX
|
| 03/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2020, I sent a letter to Southwest Credit Systems in XXXX, Tx certified mail, regarding a collection item appearing on my credit report inaccurately. I requested for Southwest Credit Systems to validate the debt is mine by showing me competent evidence bearing my signature, showing that I have some Contractual Obligation to pay them. They never sent me anything evidence of anything bearing my signature. Southwest Credit Systems is in violation of the FCRA & FDCPA, due to the fact they did not validate the debt belongs to me, bearing my signature. Southwest Credit Systems have not deleted the entry of this item from all Credit Reporting Agencies. Southwest Credit Systems continue to falsely report inaccurate information on my credit report pursuant to the Fair Debt Collections Practice Act and the Fair Debt Credit Reporting Act, along with corresponding local state laws.
The public should be made aware of the unethical and illegal business practices of this company.
Sincerely, XXXX XXXX
|
| 08/16/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
15 U.S.C. 1681 c-2 a consumer reporting agency shall block reporting of any information in the file of of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days. This practically shows that you are in violation of this law because I am a victim of identity theft. These accounts should not be furnished on my consumer report as they are in violation under, 15 15 U.S.C. 1681 b permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instruction of the consumer with whom it relates. I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. Kindly delete these accounts immediately.
|
| 06/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have an unverified account from SOUTHWEST CREDIT SYSTEMS. I had previously disputed this account. I have never done business with SOUTHWEST CREDIT SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOUTHWEST CREDIT SYSTEMS provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that SOUTHWEST CREDIT SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
|
| 09/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX is claiming that I owe them a balance of {$490.00} from services that I had in XXXX XXXX before a move to XXXX XXXX. My services were transferred to my new address, not stopped, thus any remaining balance was transferred and service would not have been continued with such a large payment owed. I was contacted by a collection agency about this supposed debt and reached out to XXXX informed me that the amount was an error because the move had not been documented properly. Still, my report was not fixed. I have filed several disputes regarding this amount in collections and it has not been resolved. I have spoken to XXXX on at least ten different occasions and have been promised the amount would be removed from Collections. It never has been. They have claimed to open investigations and given me claim numbers only for me to be told when following up on the issue, that the claim numbers were not valid. I have screenshots of chats with XXXX representatives assuring me that my debt will be removed.
|
| 11/06/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
In addition to contacting me after being notified to cease and desist communication, XXXX XXXX XXXX through their alleged agent SouthWest Credit contacted my cell phone on several occasion. XXXX XXXX XXXX has never had authorization to contact me on my cell phone.
Additionally, this debt was disputed in XXXX of 2015. IN response, the previous agent for XXXX XXXX XXXX sent a few bills, but did not send the requested phone logs which will confirm cancellation of this account prior to the additional bills which were not authorized.
Furthermore, in XXXX, 2015 in response to a new validation of debt letter sent by SouthWest Credit, no documents were sent and Southwest credit has unlawfully reported mt to the credit bureau in violation of the FDCPA. At this time I am in the process of purchasing a house and this defamation and slander of my credit will certainly adversely affect my ability to do so. If I actually owed the {$280.00} they are alleging, I would pay it instead of going down this route.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted this agency on several occasions to try to resolve this debt.
Even though I do not believe this debt to be legitmate ( it was made without my authorization by an ex husband ) The current collection agency, Southwest Credit Systems, has refused on multiple occasions to both provide me with a written copy of the actual debt ( bill etc ) AS WELL as refused to provide me with their settlement offer in writing ( {$740.00} was the last amount offered ) THEY ALSO have refused to accept payment in full in one transaction.
They have insisted instead that my only option is to enter into a payment arrangement with them, for multiple payments.
There are other complaints online against this company for asking someone to do the same, only to fail to process their final payment of the payment arrangement, then finding the consumer in default of the payment arrangement, thus violating their " settlement amount '' and reverting their account back to the original inflated account balance.
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was turned down for a home mortgage because of a collection account reporting on my credit report for XXXX. This account should have never gone to collections as I paid the final bill in full. XXXX billed my account for another month which is what caused the unnecessary balance that I was forced to pay. The collection agency lied to me on a recorded line stating that this account would be deleted from my credit report. I am requesting that the recorded line be listed to by a supervisor and hear what was promised to me. I feel like I was strong armed by thugs dealing with this company and their sneaky wordings to make you think your getting something that your not. This is not right for the way I was treated and it has affected my ability to close on my investment property. I am going to allow this company 30 days to send the request to delete this account from my credit report or I will be filing a lawsuit for damages on the profits they have caused me for this inaccurate credit reporting.
|
| 11/17/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a call from Southwest Credit Systems in XXXX, telling me that I owed {$100.00} for a XXXX bill. I haven't had XXXX in over three years and told them I didn't owe this. Asked them to send written notification. Never received written notification. Got another call from them in XXXX saying that they were going to report me to the credit bureaus.
I asked again for written notification. Didn't get it. On the week of XX/XX/XXXX, I saw that my credit had gone down due to a derogatory report from Southwest.
I called them and found out that the address attached to the account was XXXX XXXX XXXX, XXXX, DE. This is not my home and I have never been there.
I figured that this was attached to fraud I experienced in XXXX - XXXX when someone stole my social security number. They opened a XXXX XXXX Credit Card. I resolved that fraud and froze my credit accounts. I didn't know he also opened a XXXX account until this week.
I filed a fraud report with XXXX and have not yet heard from them.
|
| 05/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I contacted the collection agency via mail to request validation of the debt and to request that they cease communications with me until the debt could be verified. However, to date, I have not received a response from the collection agency regarding the validation of the debt.
Subsequently, I contacted the agency 's dispute department and spoke with XXXX XXXX and I was informed that they had sent a validation debt letter to the original creditor on XX/XX/XXXX and were awaiting a response. I followed up with the agency on XX/XX/XXXX as advised, but they informed me that they still had not received the validation of the debt and then disconnected the call.
Despite my efforts to resolve this issue with the collection agency, they have failed to provide the requested validation of the debt, which continues to negatively impact my credit score. I believe this is a violation of the Fair Debt Collection Practices Act and request that the CFPB investigate this matter further.
|
| 06/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I want to file a complaint against, SOUTHWEST CREDIT SYSTEMS, LP. XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX, and THE COLLECTION FIRMOF XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}.
On XX/XX/2018 and XX/XX/2018 I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. ( See Attached letters ). After finding out about this negative accounts on my credit karma account I submitted the validation letters to SOUTHWEST CREDIT SYSTEMS, LP. They removed it from my credit report but now I received a letter from THE COLLECTION FIRM OF XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around.
They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter.
Thank you in advance XXXX XXXX
|
| 07/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm really upset because they put the inaccurate account back on my credit report. They took it off before because it was wrong and inaccurate, but now it was included in my credit history again. This is clearly a violation. According to FCRA, If any info that got deleted from my report is put back in, the agency needs to let me know within 5 business days, either in writing or through any other way you've allowed them to. I never received any notice and I never authorized this agency to report on my consumer profile.
I'm super worried because this bad information can mess up my finances. Having an accurate credit report is a big deal because it affects my ability to get loans, have good interest rates, and make important money choices. I know my rights as a customer under the Fair Credit Reporting Act ( FCRA ). According to the FCRA, they should take off any wrong info from my credit report right away. But putting this item back on my report isn't fair or accurate. It's not right.
|
| 10/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX started calling about 1 & 1/2 years ago regarding a {$150.00} debt. After speaking to a representative on more than one occasion, I was told that i would not get any more bills, not to worry about the bill and that I did not lease any equipment. Many hours were spent on the phone for this.
Then a few months ago I got a call from XXXX XXXX XXXX, a collection agency. After explaining to Supervisor XXXX XXXX at that agency what the situation was, I completed a Fraud Report at his suggestion.
Now I am getting calls from Southwest Credit for an even larger amount of money - {$150.00}. I spoke with them and asked them to send me the proof that they said they had that I owed this. They sent no proof-only a bill for {$150.00}.
We tried calling XXXX XXXX XXXX again last week and I was hung up on when I asked them to please look at their notes, in which it will state that they told me I did not owe them any money on this case.
Thank you very much for your help!
XXXX XXXX
|
| 06/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2023 SOUTHWEST CREDIT was contacted via certified mail ( exhibit attached ) to dispute a debt collection correspondence sent by mail. In the written response sent, SOUTHWEST CREDIT was informed that the alleged debt was disputed as invalid and was demanded responses by affidavit to specific questions. SOUTHWEST CREDIT refused to respond to anthing per FDCPA and knowingly and willing continued to violate me and harrass me by attempting to contact me by phone several times a day from different phone numbers even after being informed that I dispute the debt. Numbers as follows : XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX XX/XX/2023 ( XXXX ) XXXX. There was no valid verification just a generated copy of an old coupon. Southwest has been asked to cease and desist any communication and collection activities concerning this alleged debt. Southwest continues to violate FDCPA as no proper verification in accordance with these laws has been provided.
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southwest Credit System Reported to my credit reports inaccurate information to all three credit bureaus. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. It was reported to XXXX that the account was open on XX/XX/2022, last reported on XX/XX/2022, and date last active on XX/XX/2022. According to the FCRA 15 U.S.C 1681 ( a ) Accuracy and fairness of credit reporting : Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Per the law ALL information should be accurate that is reported to the credit bureaus. This information is not accurate across all credit bureaus which directly violates my rights as a consumer.
|
| 10/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
You have failed to provide me with proper documentation to prove that this account in fact belongs to me. Billing statements do not suffice as proper validation, and you have refused to send me anything proving that I entered into an agreement with this company. I demand this collection be deleted from my credit report as it is a direct violation of my consumer rights under the Fair Debt Collection Practices Act. I have already turned this matter over to my states attorney general, and Im prepared to seek litigation for monetary damages.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only.
|
| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I rec 'd email/text notifications of a derogatory filing on my credit report by several of the companies that I do business with. I went in, can see the first few digits of the account number, the company, and the date filed.
Company : Southwest Credit Systems Account # : XXXX... ....
Date Filed : XX/XX/22 Sent to them by : XXXX Amount : {$630.00} XXXX I have tried to call them, they said it would be marked in their system as Fraud, and they sent me to XXXX XXXX Department.
XXXX XXXX department said they couldn't do anything for me, but did confirm that the email is that of another family member with the same name, and confirmed that it was not the last XXXX of my SS # that they sent to this collection Agency.
Tried calling several times to get assistance, but can't get anyone to assist or provide me with a manager to work this out.
XXXX I've tried to reach the CEO via XXXX, providing a brief description and my XXXX XXXX to contact me back, but this has gone unanswered.
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have made several attempts to resolve this issue with Southwest Credit but no avail. Southwest has called me countless times threatening to pursue action on a debt that doesn't belong to me. Upon talking with Southwest I ask them to send me a validated correspondence of said debt with my signature and, yet I have not received anything stating that I am the owner of said. I have also asked for Southwest to stop calling me but they continue to call all day long. According to the FCRA and the FDCPA it's my lawful right to have validity of said debt. I have also called XXXX and asked about said debt and they informed me that, the debt was a fraudulent account and they don't have any other information on file that can be shared with me. I asked XXXX how can you place fraudulent account with a credit agency? And again XXXX said they couldn't give me any answers other than it's not my account. Again, no one has sent me out any paperwork or a contract stating that they serviced me.
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Southwest Credit Systems - Account # unknown The above accounts have violated my rights. 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, states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section, states that no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.
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| 05/31/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This needs to be removed from my credit report. This was originally on my credit file about 2 years ago, was removed for inability to verify and then reinserted 2 months ago. I have disputed with the company directly and have disputed with the credit bureaus to no avail. The bureaus are coming back as " verified '' and not at any time have I received any communication from the collection agency themselves. Section XXXX protects me against false reporting by the credit bureaus and they are required to send me the original paperwork that I filled out when this account was opened. If they do not have it, this account must be removed because it has not legally been verified. Basically, what the bureaus are saying is that ANYONE can report anything on a consumer 's credit file without any proof they owe it. Only items in which I ever agreed to pay or owe the debt are allowed to report on my credit file and the burden is on the bureaus and not on me. ( see XXXX v XXXX XXXX XXXX.
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| 01/25/2017 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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Called first XX/XX/2017 Specifically requested they do not call me ever again and to send validation of debt, she refused, repeatedly attempted to coerce me into giving more information. Told them not to and that I would ONLY deal with them by mail/email. Sent email and fax as written notification to cease all telephonic communications Called again XX/XX/2017 at XXXX XXXX, called back told them to cease and desist calling me. Sent an email to a XXXX and a VP requesting they cease and desist all telephonic communications Called again XX/XX/2017 @ XXXX, called back again requesting they cease and desist, informing them they are now doubly in violation of the FDCPA. Representative kept insisting " well I am a completely new person ''. This is not my problem, as any of them represent their company and are thus equally liable. Again, attempted to coerce me into a conversation after I repeatedly stated, " I do not deal with third party debt collectors, do not call me again ''.
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| 12/04/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2022 i was contacted by a debt collector named Southwest credit syste, was insistently harassing me, yelling at me during calls when i simply told them by law they are not allowed to call me before XXXX XXXX since i work in XXXX now, im no longer in eastern time .They violated my right consumer right since they called me before the legal time which is XXXX AM, in XXXX XXXX is central time which is one behind of XXXX XXXXime.In addition to that, they tried to collect a debt that already written off in taxes of the original company .By law any charged off debts sold to a collection agency, its a violation and illegal to charge off a debt then trying to retrieve the payment from it. Any charged off debts become a taxable income to me, therefore .Since the collection agency violated my consumer right, i request to delete the negative report from my credit file.Also i request to provide documents bearing my signature to validate if that account belongs to me.
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| 03/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I had a XXXX account and moved to an area that didn't offer it. I closed the account and they falsely charged me an early termination fee of {$120.00}. Over the next year we spoke to more than 12 different representatives, all of whom told me it would be removed. In XX/XX/XXXX I received a collections letter from XXXX XXXX for this charge. I called & spoke with XXXX and XXXX ( employee ID XXXX ) apologized and issued a {$200.00} credit to our account. ( Confirmation number XXXX ) I sent the letter and confirmation of credit to the credit agency. On XX/XX/XXXX I received a letter from Southwest Credit stating that their investigation confirmed that this amount was due. I called and spoke with supervisor, XXXX, who stated that they did not own the debt & that there was nothing they could do. This is false, as XXXX XXXX is the agency that reported this on my report. I then called XXXX and was informed that they had improperly applied the credit to my account AGAIN.
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| 03/31/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process.
I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}.
I have never contracted with XXXX for anything.
XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework.
I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland.
I have never lived in Maryland.
One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country.
This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating.
Are there not laws stipulating specific legal protocol for businesses to follow???
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| 07/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Southwestcredit # XXXX and XXXXXXXX XXXX # XXXX has violated my rights.
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 that the information is inaccurate.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to dispute the following, on formation on my file, the XXXX collection account with the Account number XXXX and the date on it says XX/XX/22. The following information on my consumer report is inaccurate and according to FCRA is 15 usc 1681i ( 5 ) which is treatment of inaccurate or unverifiable information, on my credit report, I have send XXXX rounds of certified u.s postal service letters to all the three ( 3 ) credit bureaus and including the the XXXX, original creditor which is XXXX headquarters and the collection they sold its to which is southwest credit System, I sent they beat validation letters, and a Re-method of verification.the account was Re-aged account to my credit consumer credit report and they keep sent my a letter saying my account is verified, but, and I send them XXXX rounds of letters to no avail. I will be happy if u can re- investigate my information and delete the inaccurate information on my consumer reports. Thanks
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| 08/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I had been a customer with XXXX since 2010 and after many issues with there service, I had canceled it and switched providers. They then sent me a bill which was way to high. Because previously I had paid off my phones. They stated that bill does n't reed right when the phones get paid off and because I switched providers would not allow access to my account to see how it was billed. There letters do not give exact details of how moneys were applied. They also said I had a leased phone in which I disagreed because the representative lied to me about there lease program. After all of the discussion of the bill they sent me to collections with SW credit solutions. SW credit solutions never sent me a letter stating they were collecting the debt and never gave a notice of my rights. They then reported negatively to my credit and never gave me a option to even pay the bill. This whole time I have been willing to pay but was just wanting to pay the fair amount.
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| 07/23/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I settled a XXXX debt and I am not in distress with another company being sold the difference in the debt. I made a settlement with XXXX XXXX. We settled on a debt for XXXX and I paid {$900.00}. Now I receive an attempt from Southwest Credit Systems for {$240.00}. This is very much predatory and scamming. XXXX shouldnt have settle a debt to sell the other and also given my info to other companies after we have made an arrangement to settle. I sent a letter to say, Dont not share or sell my info to other companies and it was disregarded. XXXX owes me a settlement for this breach. There is so much fraud in this country that privacy right, requests and wishes should always be upheld 1st. Southwest Credit and XXXX should Cease & desist immediately for now and any future attempts. I wish to remove all my information from their systems forever and never be contacted from either on any attempts due to the predatory harassment shown in this despicable attempt.
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| 02/21/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2020 I was informed by my real estate agent that there was a collection on my credit report that resulted in me being considered a risky tenant and that I would now need a guarantor due to the impact of this collection on my credit report. On XX/XX/2020 I contacted XXXX to file a dispute and reached out to Southwest Credit Systems to investigate the alleged account further. The account was listed as being opened XX/XX/2020 and was in collection for 30 days for the original amount of {$26.00} and was now at {$33.00}. However, I was never contacted by the company about the alleged account. When I called Southwest Credit Systems I was not notified of my rights, but they asked for personal information to retrieve the account, which they were unable to locate. I gave them identifying information that they should have had on file, yet they could not find the alleged account that was showing on my credit report and now costing me unnecessary hardship.
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| 04/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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DEBT COLLECTOR ONLY SENT ME A COPY OF A BILL AS " VERIFICATION OF DEBT. '' I HAVE DOCUMENTED MULTIPLE ATTEMPTS TO GET FURTHER INFORMATION FROM THIS COMPANY TO NO AVAIL. A COPY OF A BILL IS NOT VERIFICATION OF DEBT. I DID NOT ASK FOR A BILL COPY.
THIS DOES NOT MEET THE FEDERAL TRADE COMMISSION 'S GUIDELINES OF WHAT CONSTITUTES PROPER DEBT VALIDATION. ( FDCPA 809B ) All debt collectors operating in the State of Texas must be able to verify, or " validate, '' any debt on which they are attempting to collect payment.
Texas Finance Code Section 392.202 requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety bond information
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| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I've attempted to reach out to this company due to them receiving a check from me in attempts to remove an item from my credit report. The checks notations were as labeled, " Negotiation of tender settles debt ". They've responded back stating that they don't approve the check because of " restrictive notations " and they've returned the check to me. I have two screenshots showing that they've actually lied about accepted the money order and never send me the money order back. I've highlighted the response they've given me in my previous complaint and at this point would like the entity deleted off my credit report and I assume there should be no issues when provided documentation. The screenshots are showing on XXXX XXXX that the money was accepted because the balance was {$1.00} lower and provided backup of using the XXXX app and highlighting the discrepancy between the two bureaus of the {$1.00} that was reported. Please remove off my credit report.
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| 05/04/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company is trying to collect {$1400.00} from me for a bill they claim I owe. I have written them letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
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| 04/25/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX SSN XXXX You are hearby notified in writing just as you were on the phone on XX/XX/2018 that you have added a fraudulent account on my credit and dinged me 100 points for something that was removed 3 years ago. I informed you on the phone that this was fraud and it was closed yet you continued to ask for credit card information. You have violated my rights but adding this fraudulent account. I asked for a return to creditor letter and to have this removed but you refused. It is also recorded on my phone. I have sent this over to XXXX and XXXX. I have also filed a complaint with the XXXX and consumer financial department.
What I want This debt to be removed from my credit today A return to creditor letter What I have provided Fraud affidavit 3 separate police reports showing each time an account was opened due to identity theft.
Credit score before you dinged it Credit score after XXXX XXXX
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| 05/23/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a mail solicitation dated XX/XX/XXXX from Southwest Credit to settle a debt for {$1100.00} with XXXX XXXX. This is not my debt. My only business with XXXX XXXX XXXX service, which has been managed by monthly autopay for many years. A call placed XXXX to Southwest Credit confirmed that the address associated with this debt is in Texas -- I have lived at the same residence in Massachusetts for 20 years. A check of my credit report shows this debt with Southwest Credit and several false addresses listed between XXXX in Texas and Nebraska, which I disputed.
I have received solicitations from other debt collectors and I've had a difficult time discerning if they are legitimate. I am reticent to provide PPI to a company that may not be operating legally. I'd like to clean my credit report without dealing with collection agencies that I have no business with.
I've put a fraud alert on my credit report effective one year through XX/XX/XXXX.
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| 05/21/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I was a customer of XXXX but in XX/XX/XXXX my service was turned off. I owed a balance of {$310.00} ; which they forwarded my information to a collection agency Southwest Credit on XXXX XX/XX/XXXX and they sent my information over to another collection agency also XXXX XXXX XXXX on XXXX XX/XX/XXXX. I have been receiving calls non stop from both companies even after explaining to them that I have spoken with XXXX about them placing me with 2 different collection agencies for this 1 bill and that I need to know who actually suppose to hold the account. I have told them that they need to contact XXXX also and they reply in an aggressive manner with " They are the original holder and XXXX has entrusted them to collect on the debt in the amount of {$310.00}, and I will pay the amount that is owed or further action will be taken.
I feel like I am being strong armed by both companies for a total of {$620.00} ; which is more than what I originally owed.
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| 01/26/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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A man named something that sounds like " XXXX XXXX '' has called me everyday twice a day since XX/XX/2020, leaving a message every 24 hours stating that he is representing XXXX XXXX on a debt not owed. He provides Reference # XXXX and a return phone number XXXX. Each time he calls, a different phone number is used to make the call appear local, but I can tell by his accent that he is calling from somewhere in the XXXX XXXX. In every voicemail he states " I am calling from XXXX XXXX, '' but the return call phone number is registered under Southwest Credit Systems. He has used all of the following phone numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I have retained all of the voicemail messages. Under the FCRA and the FDCPA please immediately cease and desist all further attempts to collect this debt not owed to Southwest Credit Systems and especially not Southwest Credit Systems using contractors in the XXXX XXXX to pose as employees of XXXX XXXX.
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| 08/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I received a phone call from Southwest Credit Systems regarding a debt that was in my name and owed to XXXX XXXX XXXX XXXX. I had to request that they send me a notice in writing as they had not at that point.
When I received the notice, I submitted a debt validation request listing the items needed to validate the debt. Southwest Credit Systems sent me a final bill with an address in which I did NOT have service as service is NOT offered by XXXX XXXX XXXX XXXX in this area. Before the debt validation time elapsed, Southwest Credit Systems placed this item on my credit report, unverified. I responded to their " final bill '' stating that this was NOT considered validation of the debt and to cease collection efforts and remove credit bureau listings. They have failed to do so and they have failed to respond.
They have now violated my consumer rights, the Texas Business Code, FDCPA and the FCRA. A final bill is NOT considered debt validation.
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| 03/03/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Over the last 3 years SWC Group has made several unauthorized charges to our XXXX XXXX card small business card. The company name is XXXX XXXX. We never supplied them with the card number nor did we authorize any of the charges. We even cancelled the card twice and they still somehow are finding the new card number and charging us new amounts. I contacted them on each occasion and they claim they don't have a record of the charge or aren't sure why we were charged but the charge clearly came from them and has been verified by XXXX XXXX. The charges are overturned by XXXX XXXX eventually because they are clearly fraudulent but require us to get a new credit card number and creates unnecessary work. At this point they are just committing fraud and hoping we don't notice to challenge the charge. This has been going on across years with the following charges - XX/XX/XXXX - XXXX, XX/XX/XXXX - {$6.00}, XX/XX/XXXX - {$110.00}, XX/XX/XXXX - {$64.00}.
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| 01/30/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I recently checked my credit report and saw a collection from Southwest Credit Systems, which is odd because all of my debts are paid in full or on time. I sent a dispute to XXXX as it only appears on that report but am unclear how something can be added to my report without providing any information to me prior? As I look into the item more, I see it originated from XXXX, with whom I have current service and an up to date account. Someone at XXXX failed to turn the services off at my prior address and I have been back and forth with them about the amount outstanding, which by the way is not my responsibility as I contacted them 30 days prior to moving. There has been no other letters or communication to me regarding this alleged debt. Therefore, it is illegal to place a collection on my credit, causing me to be negatively impacted, as if this is a debt that belongs to me that I failed to pay. This is NOT my debt and needs to be removed asap!
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| 12/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
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| 05/07/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I 'm the victim of identity fraud. Since XXXX XXXX ( and prior to that XXXX of XXXX ) I have been battling to have the XXXX XXXX charge for {$1400.00} and change, removed from my credit file. It is the last account showing 'deragatory ' since this whole debacle sta rted. Southwest Credit ( who the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under XXXX XXXX . I would never open an account under a nickname and I 've never had XXXX as a service in my life. Now I 've missed out on purchasing my dream home as my credit is in the XXXX . Interestingly, only the reports pulled by the mortgage company show these scores. XXXX XXXX still has me in the XXXX range where I 've been all my life. PLEASE fix this!
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| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I received a notice from Southwest Credit Systems , LP on XX/XX/2022 claiming I owed an alleged debt to their company in the amount of XXXX I responded through certified mail with return receipt for my own evidence and ask for verification that I owed this debt. I never received a response, according to the FDCPA Southwest Credit Systems LP was supposed respond within 30 to 45 days failing to do so is a direct violation to my consumer rights. I wrote them back a second time and ask for verification again the notice went unanswered again. This agency was supposed to stop all collection activities and reporting to the bureaus until they provided a contract bearing my signature and other documents for verification that I owed this company anything and they failed to do so, furthermore I never gave them permission to report anything on my consumer report according to FCRA 15 us code 1681b that's a violation of my consumer rights as well.
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| 09/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
|
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Web |
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South West Credit Systems or the credit bureau 's have removed this account from my credit report however when I pulled a new credit report and I noticed that the account re-appears. I referred back to the FTC " Guide to assisting identity theft victims '' and it states that I should have received notice 5 days before they added the item back on my credit so it's been re-inserted illegally. I believe the person who has taken my personal information is someone who lived at a previous residence and I am a non confrontational person and I don't want to see anyone in trouble but this account is preventing my fiance and I from purchasing a home so I have taken the time to go to XXXX and spoke to officer XXXX who advised me to file an FTC Identity Theft Affidavit and obtain as much information as possible from the furnisher so my police report is not vague so they can complete an investigation which may unfortunately lead to an arrest.
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| 11/05/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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SOUTHWEST CREDIT SYSTEM AccountXXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
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| 10/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX, and their debt collection agency, Southwest Credit, are attempting to collect a debt that I do not owe.
In XXXX of 2019 I moved from XXXX XXXX XXXX, XXXX, PA to a new address of XXXX XXXX XXXX, XXXX, PA. I called XXXX and notified them that I was moving and that they were to discontinue service at the old address and start it at my new address.
Over a year later, I received a letter from a collection agency, Southwest Credit. They advised that XXXX was owed {$790.00} for service at my former address. The time period for the service charges were for the period of time after I had moved. There were no outstanding charges to XXXX at the time of my move. I notified both XXXX and Southwest Credit that I do not owe the debt and XXXX and/or Southwest Credit have continued to call me. I have also provided them with a statement signed by both myself and the current residence of XXXX XXXX XXXX attesting to the foregoing facts.
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| 03/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XXXX has had a collection of debt notice for me not returning faulty equipment for about 6 years now. I had a XXXX account in 2017. I moved and advised that the equipment stopped working and I had to work from home in my new home so I needed to go with a new provider and I could no longer receive their services in my area and they charged me for the equipment and billing that I did not use. The amount was {$210.00}. They reported this false collection to my credit holders. For 6 years they have been changing debt collection companies and reporting as new debtors to XXXX, XXXX, etc. They never originally told me that I owed anything and the XXXX time XXXX did call I told them i couldnt gain access to the broken equipment because I had to move urgently ( XXXX XXXX situation ). They never said I would owe a debt or sent mailings to my new address so I never received any proper notice or precise instruction of handling anything.
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| 10/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a notice from XXXX that a collection was placed on my account today from Southwest Credit Systems , LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX or ( XXXX ) XXXX.
I contacted this agency and they could not locate anything in their system with my personal information or anything related to the file associated with my personal information or social security number.
I asked them to remove it from my account, and they told me to contact the original creditor that I never had a relationship with. I have no idea where the collection came from, nor could their organization. I told them it was their responsibility to remove it since they are the party that placed it on my credit report.
Southwest Credit Systems , LP refused to take any action even though they verified that the account was not associated with me, knowing they were the party responsible for placing the collection on the wrong person.
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| 09/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I have contacted Southwest Credit Systems L.P. in regards to an account listed on my credit reports that I do not recognize. They are reporting to the major credit bureaus on behalf of XXXX. I have asked Southwest Credit Systems L.P. TWICE to verify the validity and accuracy of this alleged account and they have not sent me any proof of a contract or anything with my signature taking claim of this debt that amounts to {$640.00}.
I have never had an account with XXXX. I have sent them Certified dispute letters stating that if they can not verify this account, they need to remove the account from my credit reports.They have responded with a letter and an account statement saying that they have done an investigation on the account but they still have nothing binding me to a contract. No proof has been made available to me. So therefore the debt needs to be removed from my credit report ASAP and collection efforts need to stop.
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| 05/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me.
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| 06/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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I had an outstanding balance with XXXX XXXX XXXX that I paid XX/XX/2016. In XX/XX/XXXX, a collection agency named SW Credit Systems reported on my credit report with XXXX and XXXX XXXX, that I had a collection account with XXXX XXXX XXXX. At the time, I was under contract to purchase a house, and the appearance of this collection account dropped my scores and prevented me from doing so. I have contacted SW Credit System multiple times informing them that I never received a collection notice prior to this account showing up on my credit report. Furthermore, I have explained that this balance was paid, prior to their agency reporting it. Nevertheless, they have told me numerous times that they refuse to delete this account from my credit report. Meanwhile, its existence continues to prevent me from moving forward with mortgage financing options. Their actions are in direct violation of the Fair Debt Collection Practices Act.
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| 12/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
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XXXX XXXX original creditor. I have no idea who these people are. i do not nor have I had any internet / cable or phone services with them. I have had service with frontier for the past 5 years. On XXXX XXXX XXXX sent incorrect and wrong person information to three credit bureaus reporting I own {$530.00} and my account opened XX/XX/XXXX On XX/XX/XXXX XXXX lAGAIN sent incorrect information to XXXX XXXX that I owe {$530.00} XXXX filed a complaint with XXXX, XXXX and XXXX credit bureaus and they removed and deleted the information from my credit report. WELL HERE WE GO AGAIN. XXXX XXXX Southwest Credit Systems has reported I owe {$530.00} and my account opened on XX/XX/XXXX. MOST ALARMING NOW IS SOUTHWEST CREDIT SYSTEMS XXXX I MADE A RECENT PAYMENT OF {$140.00} WHICH IS NOT CORRECT. I REQUEST ALL INVOLVED IN THIS MATTER LISTED IN MY COMPLAINT TO PROVIDE SUPPORTING DOCUMENTS. THIS HARASSMENT HAS TO STOP THANK YOU XXXX XXXX
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| 01/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I wrote a letter asking for information that I am entitled to and disputing an account they are reporting. I asked them for a list of things, and what they sent hardly fulfilled the request. As per the FDCPA and FCRA I am entitled to certain information a list of what I requested is as follows : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; ( itemized Bill of Particulars ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( original contract ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent as you can see with the attached information, they only fulfilled a very small portion of what was asked of them! PLEASE HELP ME!
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| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever
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| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile.
Thank you for your assistance with this matter.
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| 09/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
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I contacted Southwest Credit Systems in XXXX to dispute this and they asked me to send them a dispute letter so they can have this removed from my credit files. I sent that in on XXXX/XXXX/16 and rec 'd confirmation they rec 'd it on XXXX. Now three months later the collection is still on my credit reports and is affecting my ability to get a refinancing done.
I called them on XXXX/XXXX/16 and they told me to call XXXX to dispute it. I called XXXX and they confirmed it was fraud. The crook had my SSN and first name, but the last name and address were incorrect. They told me that since they sold it to the collections company, that I have to contact them.
These XXXX companies are deliberately putting me in an unending loop.
I have contacted Southwest Credit Systems to tell them again that XXXX says it was not my account.
This collection is still not being removed despite the fact that it has been established as fraud.
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| 01/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I cancelled internet service with XXXX XXXX XXXX. Per their own instructions and mailing label they provided via email, I returned the router as requested. Per the tracking number from said mailing label, it shows when I mailed back the router to XXXX XXXX XXXX. XXXX XXXX XXXX kept billing me for the router in the amount of $ XXXX but whenever I called XXXX & XXXX to advise that I had already mailed back the router, the representative would not assist with closing the account properly. XXXX XXXX XXXX now sent the amount to collections. I responded to the collection company with a copy of the print out from the U.S. Postal service showing that the router had been mailed back. The collection company is now claiming that through their " investigation '' that I still owe the claimed amount. This has also been reported to credit reporting agencies that I am in collections which resulted in loan applications being declined.
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| 08/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.
|
| 09/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit Systems called ( XXXX XXXX 2015 XXXX ) and refusing to state the reason for the call, while phishing for information regarding my identity. I had to research the incoming phone number to identify the company, then called back and find out Southwest Credit Systems is attempting to collect an unvalidated account with XXXX. I advised Southwest Credit Systems to make no further contact by phone, and mailed a Cease and Desist Notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692c ( c ) on XXXX XXXX 2015 warning that further contact of any kind would be considered harassment and that any unsubstantiated mark made by Southwest Credit Systems on my credit reports would be considered Defamation of Character and violation of the Fair Credit Reporting Act. Southwest Credit Systems placed a derogatory remark on my credit reports on XXXX XXXX 2015 in reference to this unvalidated account.
|
| 10/02/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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I became aware of this debt when I checked my credit report for the first time in many years recently. I saw that Southwest Credit System has an amount of {$190.00} reported for XXXX, however this was the first time I saw this. I had not received prior notice of this debt, along with account information and what the debt is for. Since I had my identity stolen in XX/XX/XXXX, I wanted to make sure this is legitimate.
I disputed it with XXXX on XX/XX/XXXX and also wrote a letter to Southwest Credit System requesting verification ( USPS notified me that my letter was received on XX/XX/XXXX- proof available ). XXXX has not notified me that the agency has responded, and I have not received a response to my letter.
I understand that a collection agency does not have to respond to verification requests within a certain time frame, but in this case I was never notified of this debt or what it is for and need verification.
|
| 09/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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A debt was placed on my credit profile by this company which I had no dealings with. Making me aware of a balance I owed to XXXX. I paid XXXX directly for this bill. Furthermore a disconnection bill/notice was provided to me by email from cast directly that bill says the service was disconnected and the bill was generated for the month of XX/XX/XXXX. XXXX. I had moved XX/XX/XXXX turned off services no disconnection needed; had all mail forwarded to my new address and not XXXX item forwarded was from XXXX which they say they sent mail repeatedly. I had no service with XXXX in XXXX of XXXX. I terminated service in XX/XX/XXXX. I had no reason to give XXXX an updated address as when I returned there equipment I was told I had no balance. Why was a bill and a not owed notice. Southwest credit systems is to remove this from my profile due to the fact XXXX is at fault not myself. I paid this debt in full directly to XXXX
|
| 01/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Hello... The 'date of delinquency ' is not being honestly accurately submitted. Southwest Credit has submitted that the 'date of delinquency ' was XX/XX/XXXX ... yet that is wrong. It may be true that a prior collections agency had been assigned before the agency of Southwest Credit, however, that does not give them permission to alter dishonestly the dates. In fact the date of delinquency was in the year XXXX ( when I had been living in XXXX, XXXX ).
Therefore I demand as my consumer rights the following : 1. I demand historical documentation of any and all prior assigned collection agencies.
2. I demand the date of delinquency on a XXXX XXXX XXXX letterhead meaning the first charge off notice.
3. If the agency of Southwest Credit does not reply faithfully and honestly, I demand that the CFPB delete this reportable account from my credit file right away.
Respectfully and sincerely, XXXX XXXX.
( XXXX ) XXXX.
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| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I discovered a collection account on my credit report and decided to call to figured out what is for.
The name of the collection agency is Southwest Credit Systems, they informed me is a collection for a XXXX bill from XXXX and they started to collect on late XXXX, I informed them that I never received an initial collection letter or call, then we realized the address on file was wrong, the apartment number was incorrect and that is the reason I never got a letter, I explained to the supervisor that I never had the opportunity to pay this bill or dispute it before it poped on my credit, I offered to pay the bill just if they agreed to delete the collection account from my credit report but they denied even when they know the address was wrong and I was never given the chance to pay or dispute the bill. I requested to dispute this bill since I don't even know what it is for but they refused to process my dispute.
|
| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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Out of nowhere, I got an alert on my credit monitoring service that a new collections account showed up. After reviewing it, it was Southwest Credit Systems for a debt they say I incurred back in XXXX with XXXX . I spoke with someone there and told them that I never received any information about this debt and it was not mine. I never got a statement or any information on what it was. The agent said that even though it was n't mine, since I was buying a house, it would be in my best interest to pay it off and then they would remove it. I agreed, but it still shows on my credit report and still shows a balance due. It 's actually showing on ALL XXXX . XXXX , XXXX and XXXX . They never sent me anything or gave me the opportunity to get more information. They essentially held my credit report for ransom and demanded money in order to not ruin my credit score. But then ruined my credit score anyway.
|
| 06/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was born in XX/XX/XXXX. XXXX states that I opened up 2 accounts under my SSN. One in XX/XX/XXXX and the other in XX/XX/XXXX. Both of the accounts were clearly opened when I was a minor and not by me. Now there is a balance from one of these accounts that is showing on my credit report in collections and I in the process of trying to get it off. This is currently effecting my job and is costing me money. XXXX states they don't have my BIRTH DATE on file BUT they have my SSN and have the audacity to send an account to collections on my credit without a birth date? How were these accounts opened? How does XXXX legally get away with letting an account be open by a minor. I don't know who opened these accounts but I am more mad at XXXX for letting this happen. I minor shouldn't worry about accounts being opened under their SSN. I couldn't even go to a PG13 movie in XX/XX/XXXX. Why was there a cable account opened?
|
| 06/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
First found out that I had a collection through checking my credit XXXX . It was XXXX and they claim I owe them {$90.00}. I asked for them to send me the original bill, because we do n't have XXXX . They never did, so I called and told them that the address that they claim I owe them for I never lived there, so they removed it from my credit report. then XXXX again but now it is through XXXX , had to go through the same thing and they removed from my credit. Again XXXX and XXXX through SOUTHWEST CREDIT SYSTEMS , L.P . I asked to see the original bil on XXXX / XXXX / XXXX and they hang up, I call back and they give me a different excuse and hang up. then they call and harass me to pay.SEND ME THE BILL but yet again they do n't and tell me to contact XXXX , which I have but they will not send me the original bill. I want this nightmare to end and to have this collection taken off my credit report.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have filed complaints against and about sw credit system LP, they have been contacting me to collect a debt from the primary XXXX they agreed to removed an account that I believe to be fraud and not Mines, it was removed from credit report An now has popped back up, this account is not mines it is the act of fraudulent activity, I have asked for debt validation numerous times An have only received bills with my name on it no signature of contract or service, I know that they are required to provide, I know this is identity theft an I have followed every step they have refused to release the proper documents because there are none I have never had XXXX account or sign any documents to pay sw credit system to collect a debt! All contact needs to stop an I need this fraudulent activity deleted from my credit report, they have sent out many different debt collection letter that have had different balance amounts
|
| 08/01/2017 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I received a copy of my credit report to find a collection from Southwest Credit in the amount of {$450.00} on my credit report inXX/XX/XXXX. I immediately disputed it with the three credit bureaus. The debt came back verified. I then requested verification of the debt from Southwest Credit. They sent me a copy of an contract with my name and no signature from me. The contract shows effective date XX/XX/XXXX. Once again there is no signature from me but there 's a signature dated XX/XX/XXXX by the company for a contract dated XX/XX/XXXX. The contract states it is a new owner take over for a contract dated XX/XX/XXXX which was 36 months for the previous owner. I have not signed a contract for XXXX. I did not agree to a 36 month contract. They are illegally committing me to a contract and I know this is against the law when I have not agreed to a contract for some old equipment that did n't work when it stormed.
|
| 10/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt collection on my credit report from Sw Credit systems inc stating that I Owe a Debt to Automobile XXXX XXXX XXXX XXXX which they state is a part of XXXX I have never had any communication are accounts with XXXX are this XXXX XXXX XXXX XXXX XXXX as I have never lived in California. I contacted Sw Credit Systems inc today XX/XX/XXXX about this alleged debt and the guy that I spoke to could not give me any information about the account the address he read to me was not even my address at the time they are reporting this account I asked him for more info I was informed they do not have anymore information about this account just my name and some address they thought was mine. They are fraudulently reporting this account to the credit bureau and refuse to verify are do anything to delete this account even though I proved this account is not mine. This account was opened supposedly inXX/XX/XXXX.
|
| 10/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American, Servicemember |
|
I terminated service with XXXX XX/XX/XXXX after having various issues with the phone the provided me with. Payment for the month of XXXX was collected for {$44.00} autopay XX/XX/XXXX. On the same mouth was charged for activation at the XXXX office XXXX ( I used my debit card ) Amount of {$96.00} payment to " XXXX XXXX XXXX ''. I find it strange it didn't say " XXXX '' XXXX Problems with the phone made me terminate business with them. They used a lot of deceiving statement. I opened an account with XXXX XX/XX/XXXX. I was given a free phone. Again no contract or paper work. I paid {$46.00} including protection plan. Plus activation fee of {$96.00}.
XX/XX/XXXX I received a bill for {$210.00}. For equipment and termination of service. I was referred to a collection XXXX. ( Southwest Credit Systems. XXXX XXXX Tx XXXX ph. XXXX their web side is not correct and the information they probating is also incorrect.
|
| 09/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I've attached the first credit report this debt was placed. This debt was in collection in XXXX.See attached XXXX report XX/XX/XXXX, pg 2.
It was paid in XXXX. Requested receipt from XXXX @ XXXX Never received. See XXXX XX/XX/XXXX, pg 4.
Proof of age of acct.
XXXX report XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX.
Should have fallen off already XXXX XXXX ) Still reporting in XXXX.
XXXX XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, ( Dispute results attached ; Removed ) XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ( Disputing now ) XXXX XX/XX/XXXX ( Disputing now ) This has been reported 7 times in the last 2 years. Each time Disputed and removed. Each time my score loses points and never recovers even after deleted. This debt is to old and paid off 8 years ago.
See all attached credit reports.
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
On XX/XX/2029 I a settlement on a debt was agreed on by Southwest Credit Systems and myself. The amount that was due was {$1100.00} and we settled for {$630.00}. I asked them would they remove my debt from the credit report which they said yes. Once I made the payment they informed me that a letter would be sent to me stating that I no longer was in debt to this company and that a settlement was made. I once again asked them would it be removed from my credit and they said yes but it would be 10 to 15 days.
A few days after XX/XX/XXXX, I called them and someone told me that once I received the letter that I could send it to the credit bureau to be removed faster.
Since then I have called several more times to delete my debt to Southwest or report the correct information to the credit bureaus so my credit can be cleared but they refuse.
This has caused me many problems in moving forward with my life.
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a follow-up of a previous CFPB ( XXXX ) that i submitted on XX/XX/2023 regarding an illegal entry placed on my credit report by Southwest Credit. Shortly after submitting my complaint they removed it and send me a letter I received a letter dated on XX/XX/2023 regarding an alleged debt owed to XXXX ( XXXX ). In response, I sent the attached validation request letter via certified mail on XX/XX/2023. Attached is proof that it was successfully delivered and accepted by Southwest Credit. The company ignored my validation request and sent me another letter dated XX/XX/2023 demanding payment. Attached are both letters that I received from them along with my request for validation letter and USPS certified mail receipts. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request debt validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
Please see attachments
|
| 04/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX RE : Erroneous Reporting Please Delete To Whom it May Concern, I am in the process of purchasing a home and I am requesting that you delete or correct the reporting on the listed account below ASAP as it is holding up our home purchase.
This account should have not gone to collections as the original creditor ( XXXX ) was unable to provide service at my new location and I paid every bill on time every single month for the 5 years I was a client. This account was removed from my credit last year when it was with XXXX because XXXX was unable to verify the validity of this debt.
They continue to attempt to fraudulently claim that I owe them money which is why I am initiating a consumer complaint with the CFPB.
Your urgent attention this matter is requested as it is holding up my purchase.
Southwest Credit System XXXX Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX
|
| 04/26/2017 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Amount : XXXX I moved to NJ in XXXX , this was open on XXXX in XXXX , .PA. I call & they were very rude, refusing to listen & just asking how I 'm gon na pay. FRAUD I called them and they refused to listen to me, instead demanded a form of payment. I am a single mother home bound due to current health issues. I have no income, I even said if I could get this resolved with a manager, they refused. They refused to acknowledge that I was not at that location. This is a fraudulent charge and needs to be removed from my credit report ASAP. I want this removed from my credit report, and the charge removed, this is a fraudulent account. I need to resolve this in order to provide for my family. Please report this company as unable to attend to customer needs and refusing to provide escalation when needed. Someone open this fraudulently and Southw est Credit System refused to listen or help
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
I demand the following accounts be verified or deleted immediately.
XXXX XXXX XXXX XXXX Unverified Account
|
| 01/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I received a notification from XXXX XXXX regarding an account with Southwest Credit System. I do not know this company and have NEVER done business with them. THIS IS FRAUD, I disputed this error on XXXX XXXX and it was immediately removed after this company could not produce a contract, deposit statement or any documentary evidence between us including my wet signature. This is a notice to cease and desist any further communications regarding this account immediately. This includes but is not limited to telephone calls, emails, social media or any Consumer Reporting Agency. Any further contact by your Agency or company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). If you do not cease communication a lawsuit will be filed commenced against you. Thank you for your cooperation sincerely, XXXX XXXX
|
| 08/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a letter on XXXX XXXX. This is the first time I've been contacted by Southwest Credit. I supposedly owe XXXX to a cable company. I have never had an account with the stated creditor. I looked at my credit report and the supposed time of service for this entry was when I was under XXXXhad never had any type of cable or wifi service. I tried contacting Southwest Credit and they said there was nothing they could do and directed me to the creditor. After multiple calls to the creditor, the creditor has no account under the account number from Southwest 's letter, my name, or social security number so I can't even verify the information using the original creditor. As I was a minor, I do not have the proper materials to file a dispute ( no utilities, no lease, etc. ). I have no idea how this is under my name or credit report when the company has nothing with my name or social security number.
|
| 06/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
We had an alarm system with XXXX and we had a dispute with XXXX and they said that they were apart of XXXX and that we had to pay our XXXX XXXX bill that they wrongfully billed us for and threaten to close my account and charge me as if I left my contract which is untrue because i tried to pay them the money but they would not take it and said they would have to turn my alarm system off. Which is unfair because when we signed a contract they had nothing to do with our separate dispute with XXXX XXXX. We did not inter our contract with the alarm with XXXX XXXX it was with XXXX and they are trying to collect something that has nothing to do with them. So we tried to pay them as I said but they did not take our money and I feel like how you gon na charge us to cancel the contract when you guys cancelled our contract without our permission so that is they fault because I cant make they take my money.
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX is a great service. Thank you XXXX XXXX
|
| 09/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed.
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund.
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction.
Enclosed is a copy of the bill from XXXX/XXXX/2011.
Many phone calls were made to them with to no avail. We gave up.
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems.
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate.
Please help us.
|
| 10/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX Received notification from SouthwestCredit, XXXX XXXX XXXX, Suite XXXX, XXXX, TX XXXX for collection of an alleged debt {$93.00} from XXXX for an account number that is unknown to me. In XXXX XXXX received notification from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX for collection of an alleged debt in the amount of, you guessed it, {$93.00} from XXXX for a different account number that is unknown to me. In both cases, I have contacted XXXX XXXX and have been advised that all accounts associated with my name are in good standing and that they have not placed the debt for collection. I have sent letters disputing debt and citing violation of Fair Credit Reporting Act. I am fed up with this! I ca n't even count the number of telephone calls we have received from " debt collectors '' and " credit card services ''. I have complained, and complained, and complained!
|
| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.
15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
|
| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
Servicemember |
|
On XX/XX/2022 at XXXX XXXX, Southwest Credit texted a shared company phone line, XXXX. The line is owned by XXXX XXXX XXXX XXXX and the message was seen by numerous employees of the company. The message read as follows : This message is from Southwest Credit, a debt collector. Call XXXX or visit us online at https : //www.swcconsumer.com Reply STOP to opt-out.
Clearly they say a debt is owed. The phone number is not owned by me, XXXX XXXX, but is used primarily to contact me for work reasons. But this phone does change hands on job sites for other workers to use and complete parts of their daily tasks.
As to how Southwest Credit got this number, I have no idea.
Furthermore, I do not owe a debt to their supposed client, XXXX! Now I am being made fun of at work because of this message. My staff wont trust me. I may lose my job. Southwest Credit needs to rectify the damage it has caused.
|
| 08/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
This complaint is about Southwest Credit System XXXX XXXX XXXX XXXX.
I have spoke with Southwest to try and solve this issue on my credit report and have had no luck.When I spoke with them I ask them where did they send the collection notice and the told me some crazy address I said that not mine. After arguing with them I said I would just paid this to have it remove from my credit report and then they refuse to do a paid for deletion which is crazy to me that they wouldnt do it. I mean first they have not sent me any notices saying I owe this bill second they didnt even call me to inform me of this. I guess now people can just send you to collections without contact now. I would have paid before it went to on my report but was NEVER inform of this. I was willing to paid for deletion now i feel it should just be deleted because of their negligence and unwilling to do a paid for deletion.
|
| 11/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS Im writing because I noticed that my most recent credit report contains an account that was already PAID/SETTLED reported on XX/XX/2018 for my account.
I want you to know that I understand my financial obligations, and if it werent for PERSONAL HEALTH ISSUES Id have an excellent repayment record. I made a mistake in falling behind, but since then, I have made good on the account Since then, Ive had a spotless record of on-time payments.
Im planning to apply for a HOME mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on Thank you for your consideration, and I hope youll approve my request.
|
| 04/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
Southwest Credit Systems called me to collect on a debt from XXXX. The first time they contacted me they claimed to be calling from the State of California and were collecting information on pending litigation. Then after I cornered them on that lie, they pretended it was not one of their employees that called me, yet continued to harass me, claiming that they were collecting information on a future lawsuit. They also called my wife and XXXX year old daughters phones. I told them that I do not allow them to call anywhere except for my phone, they stated they would call wherever to collect the debt, I told them it was against FCRA, they stated it wa n't. Then I told them that I had not received a final bill from XXXX and I needed to verify since they had not sent me any paperwork. There have been days that they call 20-30 times if not more, I have yet to receive anything from them or XXXX.
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received 3 calls last week from Southwest Credit Systems. All agents refused to state the purpose of their call unless I participated in their " verificaton '' process by giving them private and sensitive information first. They called me at my known number for almost 20 years, asked for me and I confirmed it was me. I also have not received anything in the mail confirming I owe anything ot Southwest Credit Systems, nor how to dispute.
This is harassment and a violation of the FDCPA. They should not call me unless they are going to tell me why they are calling before I give them private information. If they do not know who they are calling then they should not be calling giving my address to random people. Either way this makes no sense. It is absurd to require me to give information when they are calling me. I would understand the need if I was calling them, but this is not the case.
|
| 08/05/2015 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process -
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Before I moved from XXXX XXXX to XXXX I contacted XXXX to cancel the service and tell them to send my last bill to my new address in California and everything went well that day or as I thought.
Time goes by and no mail or any way of contact had I received and when I check my credit, I saw this account showing on my credit report with a collection agency ( Southwest Credit System ) so I proceed to call and pay it. On that call I found out that they had received my old contact information from XXXX so Southwest Credit System tried to contact me in regards of the account but since they had received the wrong contact information from the original creditor, this prevent me to pay it or dispute before it shows on my credit report, I explained this to the managers and representatives all agreed that they had a wrong address and wrong phone number but they wont to delete from my credit.
|
| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense.
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
|
| 08/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have already disputed this with XXXX and was sent a certified letter that collection efforts would be ceased on this account. I want collection efforts to cease and this account with Southwest Credit be closed. Per the response from my previous dispute : " Our office is in receipt of the complaint filed by Mr. XXXX XXXX. We greatly appreciate this opportunity to respond. Contrary to Mr. XXXX concerns, we have no record of receiving any request for validation from him. Notwithstanding, we have closed the account with our office in accordance with Mr. XXXX request to cease collections. Furthermore, the Credit Reporting Agencies ( CRAs ) are being instructed to delete the account. Please note that we can not control the speed in which the CRA acts upon our request and we recommend giving them at least thirty ( 30 ) days to update their records. We trust this resolves your concerns. ''
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXX XXXX XXXX XXXX Southwest credit syte XXXX Credit report XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit has placed a collection on my credit report. They said that the debt was from XXXX XXXX. South West Credit phone number is XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. They say that this is for service provided at address : XXXX XXXX XXXX # XXXX XXXX, MA XXXX... I have NEVER lived at this address and I do not know anyone that is at this address. I have disputed this with the credit bureaus ( XXXX, XXXX, XXXX ) also with the company XXXX XXXX XXXX XXXX different times/months and they still keep trying to collect a debt that is NOT mine. This is hurting my credit and I need it to be Deleted ASAP as is is not mine! It is also affecting my buying power and preventing me from getting the best loan possible. This is very frustration as it is not mine and I have tried to get it resolved but with no success so I am writing you to help get this resolved. Thanks XXXX
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit systems had called me around XXXX, to inform me about a debt I had with XXXX,, I communicated with Southwest and told them I had no knowledge of this debt, ,I ask them to mail me proof and I would get back with them to discuss it,, I never received anything in the mail, and a collection was put on my credit for XXXX.. I called and got the info, about this debt, ,they told me I made a payment of {$460.00} on XX/XX/2019. Then the account was suspended on XX/XX/2019... I would like proof, I believed the charges are made up, trying to extort monies, they did not give me chance to communicate with them, ,and if I made a payment of {$460.00} how can service be turned off one month after a payment of {$460.00}, these charges are false, and just trying to destroy my credit, it bought my scores down XXXX points as a result of this 1 collection, ,an its an unfair practice,
|
| 08/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX claims i owe {$90.00} which i do not. I have disputed via XXXX XXXX cbr 's disputes 3 times and it still remains on my credit. every time i have disputed the item it seems to go to a new " collection company as a new debt? and one of which i do not owe! '' what this indicates to me is rather than providing proof and or any information as to why this debt is owed, or taken off my credit it goes to a new " vendor ''. First it was XXXX, then went to XXXX XXXX company now it is showing under southwest credit systems. I have said i would even pay the debt that i do not know to get it off of my credit however apparently that is not an option. i have been sent no verification of when this supposed debt occurred, why they state I owe it etc.
I have attempted to resolve this issue however it will not go away and just keeps coming up under different collection companies as a new debt.
|
| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Systems keeps using different phone numbers to contact me. When calling nothing is said, not a single word, and after a few seconds to a minute the call is ended. I Called back and found out the company, SWC Group, so I'm assuming they think that I owe a debt, which is fine, but getting in contact with them is impossible.
So far they've called from : XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX They have not said a single word over the phone. I have not received any correspondence in the form of mail or email about the debt. I'm not even sure if there is a debt in collections as I feel I've been making payments on everything in a timely manner. If there is a debt, I dispute it until they can validate it. I tried talking to someone, to get the debt validated, and I have yet to have a single response.
|
| 08/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Southwest Credit Systems Has been reporting every month only credit report, when I don't recall ever even having a XXXX account. I've never received any notification of Collection activity via Mail or never received notification that I may dispute this collection account. This collection is also reporting an inaccurate address. This is A violation of my rights as a consumer, and a violation of the FDCPA right to notice of debt. I am requesting Immediate removal for this account off my Credit report From all 3 Major Credit Reporting Bureaus XXXX, XXXX, and XXXX, and to cease All Debt Collection Activity! if not removed I will not hesitate to bring legal action against you for Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act and Defamation of Character. Failure to remove will also result in A complaint to the FEDERAL TRADE COMMISSION.
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
A collections account showed up for overdue XXXX bill once before. It was removed after explaining I have never had XXXX service and have never even lived in an area where I could get XXXX service. Now either the same or possibly different collections account for a XXXX service is showing on my credit report and score again. I will repeat that I have never signed up for XXXX service. My personal information has been leaked several different times including by the VA. My guess is that someone used my personal information to sign up for this service, also known as identity theft. Please remove this account from my credit report and also let the collection company know that they will not be able to collect on this fraudulent account. I would also ask that they do not resell the collections account so that I don't have to go through this a third time for the same fraudulent account.
|
| 07/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I think this debt is from my old roommate in XXXX XXXX, XXXX. I moved away from XXXX XXXX on XX/XX/2018 to XXXX, XXXX when I moved away I called XXXX. They said they can switch everything over in his name and Im guessing that XXXX fail to do that. Im guessing this debt is from my old roommate cause Ive had a outstanding account with XXXX and still have XXXX to this day and every account I open. So if I owe XXXX anything how can I have a account now with them now and they havent come to me about owing {$250.00}. So either I owe XXXX nothing or this debt is from my old Roommate in XXXX XXXX. Im in regular contact with him and can have this paid for. I would also like to add that I never got a bill for anything so how am I suppose to know I owed this. I would also like to know dates that this debt was accumulated from or if equipment wasnt returned or what city the debt is from.
|
| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a letter on XX/XX/XXXX from Southwest Credit Systems that they were collecting {$30.00} on behalf of XXXX. I called XXXX today ( XX/XX/XXXX ), and their Collections department confirmed I had an outstanding balance of {$30.00} on a recently closed account ( XX/XX/XXXX ), but that the {$30.00} was still showing on the account, and it had not been assigned to a collection agency. I paid XXXX the {$30.00} directly, and received a payment confirmation. When I called Southwest Credit Systems back to explain the money had been paid, they said they were waiting for confirmation from XXXX so they could close their account. But why would XXXX contact them, if they never contacted Southwest Credit Systems to begin with? When I asked this question, the Southwest representative simply said " there 's no way that could happen. '' Needless to say, the whole situation seems fishy.
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received a copy of my credit report and I noticed a credit inquiry on my credit report by XXXX XXXX XXXX on XX/XX/2020. I wrote to the company telling them that I had not authorized any inquiries with their company and that they should please validate this inquiry by sending me the completed credit application with my signature on it. If they were not able to validate this inquiry, as per Fair Trading Reporting Act, they should remove it. They then informed me that that they received what they considered to be a credit application. So far they have not sent me this credit application and they have not removed the inquiry form my report. Instead they are asking me to validate the inquiry by sending them a copy of my credit report, even though the letter that I sent them already had my credit report included in it along with my date of birth and social security number.
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
About 2years ago I was contacted by XXXX as my name was used to open 10 different cable accounts fraudulently at the same time. They had sent my name to collection agencies. After going through they concluded that it was fraud wrote me a letter apologising and promising they will erase the fraudulent accounts. However going forward I see this was not done. I still get calls from the collection agencies for debt even though XXXX said they were going to remove them. I have contacted XXXX severally and they even said in some occasions that it is not showing in their system that I owe.I have contacted the collection agencies and they are stating XXXX has to send them a letter. I have contacted XXXX and they are saying they have no record of debt but however the collection agencies are keeping the debt as a ding in my credit reports. Please save me from these wicked souls
|
| 12/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems placed a collection on my credit report without ever sending any notice of collection or verifying the debt. To date, I have never received any communication from this company in reference to this alleged debt. Southwest Credit has clearly violated the Fair Debt Collection Practice Act, which allows a consumer 30 days to dispute the debt. This was not provided prior to placing negative marks on my credit report. This is my attempt to resolve this matter prior to filing a civil action. I have also filed a complaint with the XXXX XXXX in an attempt to resolve this matter prior to obtaining legal counsel to pursue a civil action for damage caused to my credit score without ever communicating with the alleged debtor.
The amount in question is {$140.00}. I don't have much more information to provide since the company has made no contact with me.
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?
|
| 04/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Someone opened a comcast cable bill in my name. They some how got a hold of my social sersurity number and there are asking for {$1000.00} in false debt charges.!! Southwest Credit Collection in XXXX XXXX .is at XXXX
Spoke with " supervisor : XXXX XXXX, and Ijust get transferred to a " voice mail acconut and know one retiuns my call?? ( XXXX }, has then listed as being " OUT OF BUSINESS ''.
GOTO THIS SITE FOR MORE INFO XXXX ( cut and paste into search ) XXXX Support number is : XXXX. In order to get a copy of the false contact I would have to go to " XXXX XXXX XXXX " to pick one up?
That would take my hours at a cost of around {$40.00}.
My XXXX Bank Statement has ne " using my debit card three ( 3 ) times, on the date this Account was opened.Hmm ... .Can not be at XXXX place at once!!!
Please " publish this, for the public to read. '' Copies XXXX b mailed out.
|
| 10/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/23 XXXX XXXX XXXX XXXX I received a call from Southwest Credit Systems XXXX No one said anything. XXXX I called back spoke to a XXXX who said he was calling on behalf of XXXX for {$110.00}. I informed him that I am already in Dispute with T-Mobile concerning that Fraudulent Balance & have filed complaints with The XXXX, FCC, FTC & the Illinois Attorney General Office against XXXX for XXXX XXXX XXXX I then asked for the acct # only to discover that XXXX had hung up the phone on me. XXXX I called back spoke to a XXXX who Immediately put me on hold & left me there. XXXX I called back spoke to a man who said his name so fast that I didn't hear it & when I asked him to spell it numerous times He Refused, I then asked to speak to a Supervisor numerous times again He Refused saying No Supervisor is Available. XXXX I called back spoke to a XXXX who gave me the acct #
|
| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom This May Concern, I am writing in regards to an alleged debt of {$1000.00}. I have reason to believe I do not owe this debt and may have been a subject of identity theft. I recently checked my updated credit report and noticed a collection opened on XX/XX/2021 from XXXX. It was assigned to a collection agency, Southwest Credit System located at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX. I looked further into the charge and it was charged to the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; however I have never resided at that address to be charged for the open account, nor have I agreed to anything with this creditor. I have always resided at XXXX XXXX XXXX XXXX for over 10 years. I haven't been provided with verification or documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
XXXX XXXX XXXX
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| 07/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX ) was reporting to be negative on 3 Credit Bureaus. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
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| 06/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I sent over certified mail on XX/XX/XXXX requesting documentation about this collection debt ( {$120.00} ) showing inaccurately on all 3 of my credit reports from Southwest Credit. It should not be on there at all and looks bad on my part as a consumer. They responded back with a generated letter ( within 30 days ) showing I owe {$120.00}. In return, I sent them another certified letter on XX/XX/XXXX ( which they received on XX/XX/XXXX@ XXXX ) showing that I do not owe them anything that came directly from XXXX XXXXXXXX XXXX. On XX/XX/XXXX, they sent me back the same generated letter they sent out before showing I owe {$120.00}. If what I sent over was actually looked at thoroughly ( proof ) and confirmed, then they would not be reporting false information. My documentation, as mentioned, shows that this information is inaccurate and needs to be resolved asap.
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| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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|
Web |
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I pulled my 3-bureau credit reports on XX/XX/2022 and noticed a collection being reported by SOUTHWEST CREDIT SYSTEMS XXXX I wrote to them to dispute the collection and requested that they provide validation of this collection. ( see my letter dated XX/XX/2022 ) I received a response from Southwest Credit Systems on XX/XX/2022 providing me with nothing that I requested in my letter from XX/XX/2022. What they provided was a letter dated from the apparent original creditor with information that reflects my name, on a letter to Southwest Credit Systems.
I wrote them another letter on XX/XX/2022 acknowleding that I received their letter from XX/XX/2022 informing them that I could not identify what they had sent me. ( see attachment ) To this date, XX/XX/2022, I have not received a response or any information to clarify to me that this alleged debt belongs to me.
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| 08/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor.Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
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| 11/02/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
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previously had cellular service with XXXX and had nothing but issues from cellular signal and then the last straw was a technical support rep telling me to buy a new device {$500.00} more, would fix the problem but of course it did not. So after several calls to customer service I had a new phone and a opportunity to switch to a new provider. I did just that in XX/XX/XXXX however XXXX continued to take a autopay setup for my XXXX credit card. ( not bank account ) CREDIT CARD. I noticed the charge and called in to have the problem resolved on XX/XX/XXXX and as notated you can see I am refunded all the charges and my bill is then at a REFUND XXXX. The following bill has a mention of a " charge back '' as well as a fee for the " NSF '' but again we are talking about a credit card payment being returned? XXXX XXXX Confirmed said Charge to my credit card. on XXXX
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| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX XXXX account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else.
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX credit report.
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX.
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
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| 04/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
Received a letter on XXXX XX/XX/2021 from Southwest Credit XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX with an unfounded clam that I owed a power company, XXXX credit account No. XXXX a total of {$720.00}. I responded in writing that I did not open that account, I did not and have never had any accounts with XXXX and that I did not own any overdue debts to them or anyone else.
They responded by sending a copy of the bill from XXXX with my name and some ones else address in another state I have never been to. They made NO attempt to validate if this was a valid charge against me and then filed a debt collection on my XXXX credit report.
I told them in writing that this not my account, that this was not me and that I have never had any dealing with XXXX.
This is no more than a strong arm/fraudulent attempt to collect money they aren't owed and don't deserve!
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| 05/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
|
| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.
|
| 10/09/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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I change phone company at the end of the month, this was in XXXX i send the rest of the owing monies XXXX XXXX XXXX, that is what i was owing them for the month of XXXX they said i owe for the 7 days of the month of XXXX $ XXXX. I called them and asked them for an explanation, they said go to the nearest XXXX XXXX store, they should help me, I went to the usual store, they said call XXXX XXXX i called XXXX XXXX, they said, go back to the store and tell them to call us from there. i didn't go, i'm a XXXX yrs woman, I have been with XXXX XXXX for XXXX yrs. never been late on my bill, they don't have nothing to say about my credit, the reason i change companies is because my husband and myself live in a fixed income and XXXX XXXX was to expensive for me. i don't think i should pay this bill, is ridiculous. I really hope you can help me with this bill.
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| 12/24/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Southwest Credit Systems, L.P did not contact me or provide a notice to dispute the debt from XXXX XXXX for less than {$40.00}. Instead they put it on my credit report as not paid. I saw this on my credit report and immediately called them to pay. I never received a bill from XXXX or southwest. I asked southwest to remove it from my credit report after I found out about the debt and subsequently paid it, and they refused to remove it. Then southwest sent me the 1st communication to pay the debt via email two days after I paid it! I told them I would file this complaint and Im happy to provide as much supporting evidence as possible. How they handled this was not right. They never provided me a bill nor an opportunity to dispute the debt. I believe this debt collection agency is violating the FCRA and their practices should be scrutinized. Thanks.
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| 11/21/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
Older American, Servicemember |
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I have determined that Southwest Credit or SWC, of XXXX, XXXX, has left repeated automatic recordings using two different phone numbers. XXXX and XXXX. The recordings ask for XXXX ( not my name ). I have dealt with scam debt collection agencies through CFPB before. When contacted by CFPB they claim they made a mistake and the employee responsible has been re-assigned and is being retrained. I do not owe any money to anyone or any agency anywhere. If I did they would send me a letter. I would appreciate CFPB contacting Southwest Credit in XXXX ( I live in XXXX ) and inform them that if they can not prove I owe a debt to cease and desist calling me and remove my phone number from their robo list. I am on several " Do Not Call '' lists but they do no good. My research shows SWC has over XXXX complaints against them. Is that worth shutting them down?
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| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American, Servicemember |
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In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.
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| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
|
Southwest Credit Systems refuses to remove erroneous information from my credit reports. I had called them to discuss and hopefully rectify this matter on XX/XX/2022, XX/XX/2022, and XX/XX/2022. On Sunday, XX/XX/2022, I sent an email to XXXX stating that I had called XXXX and legally recorded a XXXX representative verifying I did not owe XXXX any money, and that they'd already sent notification to Southwest Credit Systems declaring such. I also have my bank statement showing the payment in full ( {$370.00} ) to XXXX for the account in question. Southwest Credit Systems has refused to verify with XXXX that I do not owe them ( XXXX nor Southwest Credit Systems ) any money and continue to deliberately report inaccurate information to the credit bureaus. The phone number I called for Southwest Credit Systems is XXXX, and for XXXX I called XXXX.
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| 02/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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XXXX was billing me for cable services fraudulently. I did not have any cable services through XXXX at my home residence. I had previously fought with them over these amounts and was actually told I would be getting a refund personally for all the monies I was automatically being charged every month for cable services that I did not have. After months of dealing with this i was told it was taken care of and removed after I showed them proof that i had XXXX services during the entire time in question. I had to actually forward them copies of my bills from XXXX which is did on XX/XX/XXXX. I was told at this point it would be taken care of and removed and for some reason it popped back up on my account in XX/XX/XXXX. I do not owe this company any money they actually owe me refunds for the monies i had paid them automatically out of my account.
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| 09/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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I do NOT owe this company or its affiliate a single penny. This company continues to report a negative account on my credit report, an account I do not own. Company stated that they have placed my account on an administrative hold in a cease and desist status. I am not interested in a cease and desist status ; I am interested in having this company delete its erroneous account from my credit file - a request that is proving rather difficult for them to do.
CFPB, PLEASE BE ADVISED THAT THIS SHOULD NOT BE CONSTRUED AS A DUPLICATED REPORT. The company is engaging in unscrupulous activities. How can a company at will just report negative items on ones credit without first being absolutely certain that the account belongs to the alleged debtor. I have or had no contractual relationship whatsoever with XXXX and/or Southwest Credit Systems, LP.
|
| 03/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
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On XX/XX/XXXX, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :
|
| 03/18/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XXXX XX/XX/2020, I received a notice through XXXX that a collection had been opened up on my credit account. The collection was reported through XXXX.
The collection was through a company identified as Southwest Credit Collection for the amount of {$300.00}. No further information was noted as far as for what this was for, etc. XXXX was immediately contacted and a dispute filed as well as a credit freeze/ monitor request.
I have never conducted any business transactions nor heard about this company. This action has dropped my credit score over 20 points. Additionally, my credit, up until this incident was great, as I regularly pay all my accounts off ( credit cards ) monthly and keep a low debt balance. There has been no communication from this company either, just a mark on my credit for whatever business Ive never done with them.
|
| 08/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.
|
| 08/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.
|
| 10/14/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
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I have received almost daily calls from XXXX since XXXX/XXXX/15. Each time I answer, there is silence on the other end of the line. I received calls from this phone number on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX at XXXX XX/XX/XXXX, XX/XX/XXXX ( a federal holiday ) at XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and XX/XX/XXXX at XXXX XXXX.
I looked up the number online and it looks like it might be from Southwest Credit Systems ( a collections agency ) although I have no confirmation of this since no one speaks when I answer the phone. I have never communicated with this agency and just checked all of my accounts and credit reports and nothing is showing overdue or suspicious.
|
| 09/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
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I owed XXXX for a bill that I did n't know that I had. Southwest collection Agency contacted me I called XXXX. I never received a bill from XXXX, once XXXX understood that there was an error and never got the bill they allowed me to pay them. Southwest could call my home phone being nasty, and then my cell ordering me to pay. After I had inform them that I had taken care of this bill with XXXX. I informed Southwest Collection Agency and gave them proof of the conversation with XXXX and that XXXX stated that they would not be listed on my credit report. Southwest refuses to remove themselves from my credit report. I asked nicely and was told " No, we will continue to report and remain on your credit report for seven year. Even after XXXX informed me and I informed them that XXXX stated that they should not be listed on mt credit report.
|
| 04/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My XXXX credit report is showing Southwest Systems LLP brought a closed account from original creditor XXXX of {$690.00}. My account with XXXX closed in XX/XX/XXXX. In XX/XX/XXXX, I moved from XXXX XXXX XXXX, XXXX XXXX, MD after separation from my ex-spouse. The account was closed and satisfied.
A new account and account number was established at my new residence XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX.
When my ex-spouse XXXX XXXX and Son XXXX XXXX, XXXX established a account with XXXX, XXXX reopened the original account at the residence of XXXX XXXX XXXX, XXXX XXXX, MD.
In my attempt to acquire Credit in XX/XX/XXXX, it was determined that this was showing again on my credit report. This is when I contacted XXXX, XXXX Fraud Unit regarding the matter. XXXX informed that the account was inappropriate reestablished.
|
| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On XXXX XX/XX/2021 XXXX XXXX of SWC Group submitted a sworn statement to the Attorney General Office for Michigan, AG No. XXXX, that XXXX was reporting my account as paid in full. It has been a full reporting cycle and XXXX is still reporting my account as having a {$810.00} balance.
XXXX XXXX knowingly submitted a false statement to a governmental agency, and due to the severity of this. I think its in all parties best interest that the two XXXX accounts were deleted entirely from the report.
XXXX is still reporting a {$810.00} balance! They lied to the Michigan attorney general Making falsified statements to federal agencies are quite sever and I am scared what other individuals are being taken advantage of. I feel bullied and intimidated by this company that is willing to lie to federal officials to continue extorting people.
|
| 04/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... SW CRDT SYS ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 01/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is part of Previous Complaint # XXXX. XXXX/XXXX has me to a 3RD Collection Agency. SouthWest Credit Systems of XXXX, Texas, as of XX/XX/XXXX. XXXX of XXXX IL, and XXXX XXXX of XXXX, Texas, have BOTH sent me letters stating they are Satisfied with my responses and will Cease further Collections. As of XX/XX/XXXX, my Credit Score went from XXXX, to XXXX. I spoke to XXXX of XXXX at XXXX. She stated XXXX wants my COMPLETE Social Security #. My Attorney says NOT to give it to them. I have provided Copies of Old Drivers Licenses going back to XXXX. I also gave them a Copy of my XX/XX/XXXX XXXX XXXX ID. I have worked for theXX/XX/XXXX XXXX since XX/XX/XXXX. I mailed ALL the copies to XXXX XXXX XXXX, Fraud Dept. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, New Jersey, XXXX. This is has been following me since XX/XX/XXXX. This needs to STOP.
|
| 12/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I never received notification from Southwest Credit Systems for the XXXX accounts they are now reporting on my XXXX credit report. These accounts were also on XXXX and XXXX, but after disputing they were removed. I have requested debt validation regarding the XXXX accounts. All I received was an incomplete " statement '' XXXX attached ). I requested proof that the Statute of Limitations has not expired on either debt as well as proof that this agency is licensed to collect debt in my state. Also, a signed contract proving I owe Southwest Credit Systems was never received. I do not know who these people are. I looked them up on the BBB website and found that there are many complaints and lawsuits filed XXXX attached ). I believe this company is in violation of the FDCPA. Account # XXXX : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
|
| 03/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
|
| 06/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
A year ago in late XXXX of XXXX I discovered a derogatory mark in the amount of {$270.00} on my XXXX XXXX report. Upon further research, this account was transferred/sold to Southwest Credit. So on XX/XX/XXXX I sent Southwest Credit a U.S.Postal Service certified letter to verify the debt from this so-called collection agency. Southwest Credit never did verify the debt, NO written form of communication, contract, or signature for this accused debt at all. Then out the blue on XX/XX/XXXX ONE YEAR later and Extremely LATE this same agency FINALLY response with a poor quality photo copy of a bill anybody could've sent and said was mine. Nothing I even requested in XXXX of XXXX was ever sent. According to the FCRA Southwest Credit has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 11/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
|
|
Web |
|
|
I USED TO HAVE AN XXXX ACCOUNT FOR MY VEHICLE. I SOLD MY VEHICLE IN 2014 AND DID NOT RENEW MY XXXX ACCOUNT BECAUSE I AM USING XXXX AND DO N'T HAVE A VEHICLE ANYMORE. TWO MONTHS AGO I WAS TRYING TO GET MY STUDENT LOAN AND THEY PULLED MY FILE AND ADVISED ME THAT THEY CAN NOT FINANCE ME A LOAN BECAUSE I HAVE A COLLECTION FROM SOUTHWEST CREDIT SYSTEMS. I HAVE CONTACTED THIS COLLECTION AGENCY AT XXXX AND THEY INFORMED ME THEY ARE COLLECTION FOR XXXX COMPANY. I HAVE EXPLAINED THEM THAT I HAVE PAID THEM FOR FULL YEAR AND NEXT YEAR DID NOT RENEW MY ACCOUNT BECAUSE I SOLD MY VEHICLE AND DID NOT NEED XXXX ACCOUNT ANYMORE. ALSO I NEVER HAD A CONTRACT WITH XXXX COMPANY. THEY HAVE REFUSED TO SEND ME ANY TYPE A CONTRACT THAT I SIGNED. ALSO INFORMED ME THAT I OWE THEY {$120.00} AND IF I DO N'T PAY THEY WILL HURT MY CREDIT FOR ANOTHER 5 YEARS.
|
| 08/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The Company : 1. has refused to provide me with validation and assignment of debt documentation.
2. has threatened legal action and threatened to ruin my credit 3. asserted that I was a liar and that they will feircely collect on a debt their client claims to be valid.
4. has given no credence to the fact that this debt does not belong to me 5. is essentially using bullying tactics contrary to the law.
6. blatant refusal to provide me with contractual proof of debt evidences there unlawful collection practices.
7. company has called my phone despite clear instructions not to.
8. is in violation of the FDCPA, FCCA It is to be noted that this bully tactic will not work with me, nor will I sit back and allow an unscrupulous company to infringe upon my rights. Law suit is imminent.
cc. State Attorney Office, CFPB, FTC
|
| 03/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am currently in escrow to purchase a home. My lender ran my credit again as normal procedure and found a collection that was n't in my credit 30 days ago. I am going to lose {$10000.00} deposit if I cancel the escrow due to not being able to qualify because my credit score dropped from XXXX to XXXX because this collection that does not belong to me. Because i was desperate after talking with a collector from Southwest Credit and told him that the social security number that he mentioned trying to verify my identity was NOT my social security number. Again because I went desperate I called again and paid {$180.00} thru the phone automatic system. Payment Conf # XXXX. Later, taking with my landlord and neighbors I discovered that the previous tenant living at XXXX Ca XXXX, was also named XXXX. Again, This account is not mine,
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company in question is the SWC Group in XXXX, TX. I found out of their existence via my credit score dropping 40 points due to an unknown debt held by SWC that allegedly originated via XXXX telecommunications. This is false. I've never had an outstanding debt with XXXX. I closed the account out years ago and opened a new account with my wife. No mention of money owed when account was opened. Fast forward a few years and this delinquency pops up. No letters or phone calls. When I call SWC they hang up on me as they do not have a record of my existence. Very rude. After finding the ceo XXXX XXXX I decided to personally email him. He didn't not take to kind to that. This firm is a fraud. {$96.00} is a very small amount but I can imagine their practices with some of their less fortunate clients. They need to be investigated.
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today XX/XX/20 I checked my credit report via XXXX when I noticed my score went down. I went to review the changes I saw that SouthWest credit system was on my report for XXXX I immediately disputed the information via XXXX and call said company. My first question was why was I not informed on the debt. The rep stated they just received the information about a month ago. This still did not answer my question. I requested an manager. I spoke with an XXXX whom stated that in Florida they do not have to give a notice about said debt before placing the acct on my credit report. I know this is not true as I believe I am given the ability to dispute the charges. I have already reached out to the original creditor whom is during an informal investigation. However I feel this company violated the fair debt collection practice act.
|
| 03/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest : Sent documentation affirming debt of XXXX however. ( 1 ) They failed to validate acquisition price paid and incurred expenses ( my new liability to Southwest as a debt buyer ) to justify continued collection attempts. This is my right. Additionally, ( 2 ) This is an active attempt to collect usurious interest as defined by the RICO statue, pursuing of collection posted to all my credit reports. Value of debt held lacks incentive to sue for collection, again I would be liable for less than {$50.00}. Unreportable in this circumstance.
The premises the new debt holder maintains the same burden as the ordinal creditor is untrue in situation. My new liability to Southwest requires justification before any agreement to pay is made and if in fact new liability falls below the reporting threshold, it should be removed.
|
| 02/05/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
SW CRDT SYS is reporting a collection for an account that has never been validated, has been paid off AND, has re-aged the account to do harm to me, AND is over the FCRA reporting time of 7 years. It was for XXXX. While the account was in good standing I stopped this service. That was over 9 years ago. I had never hear from SW CRDT SYS so I contacted them and let them know this. They ignored it. They made no attempt to validate this. Instead they show on the report that they opened a collection XXXX and that it was last active XXXX. That is false. This single account violates several laws including but not limited to FCRA 15 U.S.C. 1681c, US Court of Appeals, XXXX XXXX, XXXX. XXXX, XXXX vs. XXXX XXXX, FCRA Section 623, FCRA Section 605 ( c ), FDCPA Section 809 ( b ), FTC opinion letter XXXX from XXXX, and FDCPA Section 806.
|
| 05/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
ALREADY ENTERED INTO A PAYMENT AGREEMENT hello, My name is XXXX XXXX and I am writing because I was recently made aware that you have submitted my name and address to the CRA 's in regards to a debit of : {$140.00}. I recently, about a month ago, contacted your company in regards to not having this item listed on my credit reports, and entered into an agreement to pay off the debt within 6 months with my credit card. Your company has since lied to me about this not being reported. I DEMAND that this entry be stricken from all the CRA records IMMEDIATELY or you can CANCEL the payment arrangement. If any payments hit my credit card, and you have not requested your trade-line removed from all XXXX agencies, I will report the payment as fraud! THIS IS NOTICE TO REMOVE THE TRADE-LINES OR CANCEL ANY AND ALL PAYMENT ARRANGEMENTS!
|
| 10/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved.
SOUTHWEST CREDIT SYSTEMS is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.
SOUTHWEST CREDIT SYSTEMS have used abusive, deceptive, and unfair debt collection practices.
SOUTHWEST CREDIT SYSTEMS have violated my consumer right to privacy, I NEVER gave them any my information directly and SOUTHWEST CREDIT SYSTEMS has committed the crime of IDENTITY THEFT.
I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.
I am holding the SOUTHWEST CREDIT SYSTEMS civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that SOUTHWEST CREDIT SYSTEMS would verify the debt. So I took it upon myself to ask SOUTHWEST CREDIT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
|
| 08/08/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
In XXXX of XXXX I had contacted XXXX about services. The person I talked to said they could give me a price of {$59.00} a month for two years, but I would only be obligated for one year. At the end of XX/XX/XXXX I returned home after a long absence. I used cable for three days and then found I was being charged {$120.00} that month. XXXX denied we had a two year agreement and conveniently deleted the tapes of my discussions with their customer service. They claim they sent me a contract to my cell phone but my phone is not able to open such materials. I refused to pay the bill. I have tried and sometimes succeeded in getting this negative item on my credit report but then they just turn it over to a different collection agency and I have to go through this again. This time one credit agency ( XXXX ) refused to remove it.
|
| 03/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I relocated XXXX, called XXXX for my final bill went pd bill ( est ) {$31.00}, turn equip in got receipts for both then filed them away.1yr later XXXX check my XXXX XXXX letter {$410.00} due to XXXX I call # on letter talk with guy, he said I owed, I gave him my receipts numbers, the conversation ended with him taking care of it, good to go. Almost yr later XX/XX/XXXX trying XXXXonmake a life purchase, only to find out that XXXX is on my credit report negatively. I now have no proof but the conversation between the office guy and myself. Who will believe me, I put my trust in someone behind a desk/phone to be honest. I threw away my XXXX file after the conversation that day and today it looks as if I've been paying for it. If the findings are not for me what can I do to get this erased from my credit report, thank you
|
| 04/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On my XXXX credit report, Southwest Credit is representing XXXX for XXXX derogatory amounts on my credit report, XXXX for {$94.00} and the other for over {$500.00}. This debt collector is not on my XXXX credit report. These XXXX derogatory remarks dating back to 2012 are keeping my credit score from going up on the XXXX credit report. I 'm in the process of negotiating a loan for a new car and to be a well-qualified buyer for the best interest rate I need my XXXX credit report to be over XXXX because the finance companies use XXXX Car Loan credit score for approval.I 've worked diligently and in good faith settling my debts and my XXXX credit report is showing my credit score to be XXXX, however the XXXX credit report is still in the fair category at XXXX. I believe I do not owe Southwest Credit for any collections.
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am a former XXXX customer. In XXXX, I communicated with XXXX regarding account # XXXX. At that time, I the account balance was approximately {$1500.00}. The account was sold to Southwest Credit ( account # XXXX ), whom offered an approximate {$700.00} settlement. I accepted that settlement and made the payment to them on XX/XX/XXXX. XXXX email, I informed XXXX that the settlement was paid and attached the settlement offer and receipt of payment for confirmation. XXXX confirmed receipt of that email communication and informed me that it would take approximately 30 days for payment to be reflected in XXXX 's records. In XX/XX/XXXX, I reviewed my most recent credit report and Southwest Credit has still listed the balance of {$1500.00} as " unpaid. '' There are no monies due and the account should have been updated.
|
| 05/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I saw my credit bureau and saw negative credit reporting by SWC reference # XXXX . I calle d SWC SouthWest Credi XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone # XXXX and asked the agent for legal proof of notifying me of the collections but he did not provide any cerified mail proof of any notification sent to me about this account or collections. I will report XXXX and SWC for illegal credit reporting practices and also to the BBB I calle d SWC today dema nding for proof of notification, the agent was very dismissive and put me on a long hold when asked to speak to his Supervisor Please have XXXX XXXX and SWC Remove my account from collections as I had no knowledge of this collection item until I saw a negative credit reporting on my credit bureau accounts on XXXX Sincerely, XXXX
|
| 10/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
I was receiving satellite internet services from XXXX up until XX/XX/2020. At that point I cancelled service by calling the company. XXXX continued to try to debit my bank account each month for services provided after that, requiring me to dispute each charge with my bank. Earlier this year I called XXXX again about the erroneous charges. They apologized, and said they hadn't received notice of my cancellation via their internal channels ( even though I had returned their equipment ). Yesterday I received a letter from Southwest Credit Systems, saying my XXXX account ( # XXXX ) had been turned over to collection for {$1500.00} owed. The Southwest reference number is XXXX. I dispute the XXXX charges for services never received, and for attempting to raid my bank account with automatic payment debits every month.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
ON XX/XX/2021 I SENT SOUTHWEST CREDIT A LETTER OF VALIDATION FOR A DEBT OWED. I SPECIFICALLY ASKED THIS COMPANY TO PLEASE SEND ME A CONTRACT BETWEEN MYSELF AND THEM AS A CONSUMER. I ALSO THEM FOR THE FOLLOWING What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable : Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service : THIS COMPANY PROCEEDED TO SEND ME A COPY OF A BILLING STATEMENT. A BILLING STATEMENT IS NOT A FORM OF VALIDATION NOR IS IT A BINDING CONTRACT.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2019 I was a victim of identity theft. Accounts were opened up in my name at XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX ( how I do not know since I would expect this to have required some identification ). I received a XXXX alert and followed-up with each merchant to alert them of the fraud. I spent hours on the phone with each of them and thought I had this resolved ( submitted various paperwork if requested, some were far easier to deal with than others ). Apparently the fraudulent account at XXXX was referred to a debt collector and continues to show up negatively on my credit report, three distinct times. I have responded in writing and over the phone but have never been successful in having this removed. Southwest Credit Systems refers me to XXXX which refers me back to XXXX in a viscous cycle.
|
| 02/12/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I recently received a statement from Southwest Credit for an amount due of {$150.00}. The day after I received the letter, I sent them a letter stating that I dispute the validity of the debt in its entirety. I asked that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
|
| 11/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I noticed the debt company posting XXXX on XXXX credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my XXXX year contract with XXXX XXXX and never received any statement from comcast of showing balance is due.With XXXX services I only had basic internet services for my XXXX to use for after school homework with a monthly balance of $ XXXX policy is you prepaid XXXXhe month advance. I been disputing with them. SOUTHWEST CREDIT SYSTEMS can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my XXXX XXXX decreases because of the neglects.
|
| 10/14/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a letter from Southwest Credit on XX/XX/XXXX about a collection account Ive never heard of. I sent them a debt validation letter on XX/XX/XXXX disputing the debt and requesting validation. On XX/XX/XXXX I got a notification that they added a collection account to my XXXX credit report. By law Im given thirty days to respond to dispute the debt and I was well within the thirty day response period. I NEVER received any type of debt validation letter from them as a response yet they placed this fraudulent account on my credit report. Not to mention if the letter was dated XX/XX/XXXX by law they cant place anything on my credit reports BEFORE XX/XX/XXXX. Yet they placed this collection account on my credit reports on XX/XX/XXXX WITHOUT responding to my request for validation which is against the law.
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A year ago this account popped up on my credit report. I have disputed 3 other times successfully with the credit reporting agencies. At that time i was told I had to fill out an affidavit and follow direction to fet the frauded account off of my report. I DID THAT. I check my credit report frequently now and yet, another credit collecting agency has popped up again. This time they have correct data about this account and the credit agencies are not willing to remove it. Upon calling the company again I was told I had to follow the fraud process again. the amount is {$370.00} I called them again today XXXX XXXX, 2017. They are harrassing me via my credit report and THIS ACCOUNT IS NOT MINE. In addition the mail kept coming having my name but the apartment number was XXXX. I never had cable at my address.
|
| 08/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XXXX XX/XX/XXXX I received a letter from southwest credit systems stating i owe XXXX to XXXX XXXXXXXX. this is the third time I received a debt collection letter from this company. I never used XXXX XXXX I live in XXXX XXXX. I called the company right after I opened the letter, they pretty much tried to collect the debt I told them I'm not paying it its fraud and that this is the third time this happened I was giving steps to dispute debt, but they are asking me for almost a XXXX police report for when I first reported my identity being stolen and used a crossed XXXX and that's when I decided to contact the cfpb again the account number is XXXX I'm positive if you check the account information on where ever XXXX XXXX was being used at it does not match with mine I don't need and never used XXXX XXXX
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest Credit Systems ( The DebXXXX Collector ) record on my credit file was previously disputed by me multiple times. XXXX. ) The Debt Collectors deliberate misrepresentation of the debt that was in dispute more specifically the changing of the Date Opened from the date originally on file to effectually report the debt as current.
XXXX. ) The Debt Collectors deliberate misrepresentation of the amount of the debt evidenced by the random increase in the debt by {$1.00} and subsequently reducing of the same by {$1.00} in less than a month. Example of one harmful effect to credit file The percentage of your accounts always paid on time has decreased by 4 % quoted directly from the report subsequent to the manipulation significantly reducing my credit score.
Detailed Letter and Images will be attached.
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.
|
| 11/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XX/XX/XXXX Southwest Credit Sys I recently pulled a copy of my credit report on-line and found that you are reporting the following inaccurate information in my file that is negatively affecting my credit score.
Account Number : XXXX Reason : [ Fraudulent account ] I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below. I spoke with a service rep for this company and she couldn't locate an account with my name in response to the debt posted on my credit report. Please remove immediately.
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX Tx XXXX XXXX XX/XX/XXXX
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Company failed to properly communicate my rights as well as the account information. They never validated debt after request. I never received written report that they had an account from them. They sent to an address that was incorrect and refuse to remove this off my credit. Once they got in contact with me, I asked for a debt validation which I never received and I attempted to settle this to not have it on my credit. After I paid it they then reported to the credit bureau. They also reported it incorrect. XXXX XXXX never gave them the proper address and I have been at the same address for years. I have been in litigation with XXXX XXXX about my account balance so I took this opportunity to just pay a settled amount prior to it going on my credit. These people are very rude and unprofessional.
|
| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX credit reports.
|
| 02/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I was previously a customer of XXXX. I cancelled my account and paid the final amount due in full, but an additional amount was reported to collections. XXXX claimed I had XXXX digital set top boxes, and did n't return XXXX of them. At the time, I lived in a XXXX, and definitely did not have a need for or possess more than one cable box.
When I received a notice from the debt collection agency XXXX referred the bill to, Southwest Credit Systems, I requested that the debt be validated XXXX days after their initial contact. They did not respond, and have not responded to repeated requests to validate this debt. I 've filed disputes with the credit bureaus, but each time they claim the debt is valid based on information that Southwest Credit Systems supplies to them, but has never provided to me.
|
| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These accounts and inquiries are not mine they was made without my permission, consent, inquires Southwest credit systems Reported : XX/XX/2023, Opened : XX/XX/XXXX, XXXX or All the above accounts and inquiry is and are fraudulent and according to The Court FCRA these accounts violated my rights in many ways these accounts is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish a account without my written instructions or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit card plan as a late payment for any reason the inquieres must be removed immediately thank you.
|
| 06/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I'm submitting a complaint against Southwest Credit , Inc. for not contacting me and providing the validation letter from the alleged creditor. It's been 15 days later, and I still have not received the following documents : Proof that I agreed to the alleged debt that is described in the enclosed letter, your proof shall include a full record of principal, payments and fees.
Proof of unbroken chain of title from ( XXXX XXXX XXXX XXXX ) to ( Southwest Credit ) authorizing ( Southwest Credit ) to collect alleged debt.
If debt was purchased from ( XXXX XXXX XXXX XXXX ) by ( Southwest Credit ) provide proof of purchase and the amount that was paid.
Show me that you are licensed to collect in my state, and provide licensed number if you are.
I have yet to receive the requested information.
|
| 06/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I Have always maintained perfect repayment history with all my creditors. I recently applied for a line of credit and was denied due to a negative account on my credit report. I got my report and found an unfamiliar account stating that I owned {$360.00} to XXXX a home security company. I called the company directly to dispute this charge, stating that I had not signed or authorized any contract agreeing to any home security system ; ever. I realized I was the victim of Identity theft and asked them to remove the charges and refrain from reporting this to the 3 credit Bureaus. The company XXXX refused to remove the charges even after a dispute from XXXX Credit Bureau. Because this company has no signature or valid authorization, I am seeking help from the CFPB to assist with this discrepancy.
|
| 01/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems on behalf of XXXX reported derogatory collection information to the XXXX major credit bureaus XXXX of 2015. I have not had a XXXX account in approximately 5 years and believe that my account was paid in full. On XXXX/XXXX/15, I sent Southwest Credit a certified letter requesting an explanation of the charges. To date I have not heard from them. In addition, I XXXX to dispute this collection. XXXX removed the information. After filing XXXX XXXX XXXX XXXX disputes with each of them, XXXX keep insisting that the information was verified. By verified, they mean that they asked Southwest Credit if it was mine and Southwest Credit said yes. They are refusing to remove the derogatory information from my report and Southwest Credit has failed to substantiate the information.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Southwest Credit Sys is reporting a collection for XXXX XXXX. I have never done business with either entity. The creditor or collection agency does not have the authority, permission, or consent of the surety to be in contact with the alleged principal debtor XXXX XXXX. There is no evidence to the contrary.
They also do not have my written consent or instruction to furnish any sort of data or information to any consumer report as I have no relationship, connection, or marriage with either Southwest Credit XXXX or XXXX XXXX.
Any and all consent to XXXX, XXXX, XXXX, XXXX XXXX, Southwest Credit Sys whether written, verbal, non-verbal, or otherwise is now revoked.
Any possession of a signature belonging to XXXX XXXX unlawfully in their possession is also rescinded, effective immediately.
|
| 10/02/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On or about Friday, XX/XX/2023, I received in the mail a debt collection letter from Southwest credit systems , L.P. ( Southwest ). In the debt collection, letter, Southwest claimed to be collecting a debt of {$110.00} on behalf of XXXX. The debt collection number provided a reference number and contact information.
I contacted XXXX who confirmed that a bill was never sent to Southwest for collection. XXXX informed me that this is an ongoing and prevalent issue with Southwest and that XXXX no longer accepts payment over the phone because of Southwests fraudulent activity.
It should be noted, that I did in fact have a bill with XXXX, in the amount of {$110.00} - precisely the amount Southwest alleged they were attempting to collect. I have paid this amount already and directly to XXXX.
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS. Have reported a collection account on my credit that isn't accurate. I do not owe them, never had or applied for credit with them! They have fabricated dates that are not true and a dollar amount that is false, They have threaten me through my credit report with a negative impact of a collection that isn't true by no means. This matter have been disputed once before in XX/XX/2020 with the credit bureau. Southwest credit system have violated my rights, and they have totally ignored the statue of limitations.. They are willing to do damage at any cost! This threatening behavior must stop! They have put this negative information on my credit report and now I'm suffering with higher rates on insurance and higher interest on credit cards and also affecting employment.
|
| 06/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved.
They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen????
Then they tell me that they will not tell me anything about the debt, or give me any other information?????
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have requested validation of debt, as well as, validation methods from XXXX XXXX XXXX. I have sent the request twice via certified mail, of which I have receipts. I received a statement from the " original creditor '' and have yet to receive a signed contract with my signature on it I have previously sent a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges they claim I owe to another company. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. I did not consent to XXXX for validation and have yet to receive a contract bearing my signature.
XXXX is still reporting this collection on my credit report, which is considered to be a collection activity.
|
| 11/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, Southwest Credit Systems added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold to multiple companies. I am not responsible for this account. I have attempted to dispute this information numerous times with all credit bureaus as an attempt to receive correspondence from the debtor with more information. The debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA, Southwest Credit Systems has violated my rights as a consumer and I am requesting legal action to remove this account immediately
|
| 01/18/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit Systems has reported the same collections on my credit file now for the past year. The account does not belong to me. It belongs to my brother. I have disputed this once before and it was removed. Now they have added the collections back on my account a few months later and increased the amount to a higher balance! The account belongs to my brother. I currently have an active phone line with XXXX and I am not in any debt with them. You can not have a current line with a mobile service company without paying off accounts you have in collections. This account belongs to my older brother and I would like this to be removed immediately. Stop reselling this account that does not belong to me. They also have not been able to provide me with a debt validation letter as well.
|
| 08/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Upon pulling my most recent credit report It came to my attention SW Credit Systems had reported a debt for collection on my report. Knowing the debt is n't mine I disputed with the creditor to have it removed or verified but did not receive any competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.The letter sent was not only a formal dispute, but a request that they cease and desist any and all collection activities, including reporting of ; or verifying of the account on my credit reports. SW Credit Systems was and is non-compliant and in violation in these matters.
|
| 05/27/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Southwest Credit has been reporting a debt originally owed to XXXX that I do n't owe. I have tried disputing this several times directly with them, and the credit bureaus aswell. my last attempt was on XXXX XXXX, 2015. I honestly do n't think they are even reading the supporting documents or my letter. I received a response from them on XXXX XXXX, 2015 that '' once again they have updated my account accordingly '' Southwest Credit or comcast have yet to prove that this debt is owed to XXXX. I have clearly outlined in my supporting documents that I do n't owe this debt! Ive requested supporting documents from both XXXX and southwest validating what they claim I owe, and they have yet been able to do so. I 'm hoping you can help me put this debt to rest. Thanks in Advance for your help!
|
| 02/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
After receiving a copy of my credit report, I discovered that this debt was being reported without me having any knowledge of even having this debt. I have attempted on several occasions to obtain validation and verification of the debt from the creditor. The collection agency has no knowledge of anything about me outside of my name. When I contacted the collection agency, the representative repeatedly requested my birthdate, social security number, address and phone number in a very rude manner, before giving me any information pertaining to this debt. Representative also informed me that it was against the law to refuse to pay a debt that I owe and attempted to collect without verifying that is was indeed my account, that I owed on the account. or what the amount owed actually was.
|
| 04/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My rights have been violated. I was not aware of this debt going to collections. Please view regulations.
15 U.S. Code 1681h - Conditions and form of disclosure to consumers. A consumer reporting agency shall require, as a condition of making the disclosures required under section 1681g of this title, that the consumer furnish proper identification.
Original Debt : Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX XXXX , XXXX XXXX
Original Creditor Name XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$76.00} Amount {$76.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX XXXX XXXX
|
| 07/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX amount XXXX i tried to communicate that this debt isn't mine but they will not respond XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I communicated to the bank that i am a victim of fraud and this isn't my account XXXX XXXX this account is not mine i was a victim of fraud and i told the bank but no action was taking XXXX XX/XX/XXXX XXXX XXXX o told this company i never had a car loan from them and that my name and id was compromised and theft will not take action XXXX XX/XX/XXXX XXXX XXXX does not belong to me someone used my identity to open this account and i called and tried to take action but theft didn't do anything to rectify this matter.XXXX XX/XX/XXXX.
southwest credit system this account do not belong to me it was opened in my name without my permission XXXX XX/XX/XXXX
|
| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone.
I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.
|
| 05/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX I received a notification from my credit monitoring company that Southwest Credit Systems had reported a collection account on my three credit reports for an internet company ( XXXX ). This collection company or XXXX has never contacted my in any form to make me aware of this alleged debt. The last time I spoke with a representitive at XXXX on XX/XX/XXXX and spoke to XXXX he told me that I had a XXXX balance and gave me a confirmation # XXXX. This is was the last time have have spoken to or heard from anyone. I have contacted both Southwest Credit and XXXX to provide my confirmation number but they are refusing to remove this from my three credit reports. I am in the process of buying a home but have now been denied the loan due to false collection on my credit report.
|
| 07/18/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
A family member contacted me about a company called SW Credit Systems L.P calling them and Harassing them about an alleged debt owed by me. This family member told them to do not call and they continually call at all hours of the day. I have never personally received any notification of anything from this company to see what they are actually stating as to the alleged debt. Today I received a credit report alert as to a collection added by SW Credit Systems L.P. on my reports specifically XXXX . Stating nothing but an amount of {$590.00} States XXXX XXXX to which I have never had showing open account as of XXXX 2017 which never happened. Never received anything from this company in the mail or in any other form whatsoever prior to adding to my reports false information.
|
| 03/18/2017 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Southwest Credit System added a negative account on all XXXX credit agencies, in the amount of XXXX, on XX/XX/2016. I contacted Southwest Credit System immediately by certified mail indicating that I am disputing said debt. I asked for validation of alleged debt in which Southwest Credit System has not been able to provide. I then sent two more certified letter asking for validation of this alleged debt, and Southwest Credit System still has not provided tangible proof this account belongs to me. They have continued to make late remarks on my credit report every month since XX/XX/XXXX as if I had a contract with their company, which I have never spoke to verbally or signed any documentation with this company. I feel they are in violation of the Fair Debt collection Practice Act.
|
| 04/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.
|
| 06/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Are you kidding me, I am so upset at the fact that southwest credit systems claims that they do not need my signature on a contract, every company wether its cell phone service or cable service requires a signed contract from the person who wants its services, the copies of the bills that they sent me arent good to validate this account. By law it is required that a creditor provides the original contract upon request, if I didnt sign a contract then how can this company tell me that this debt belongs to me? Either provide me with the original contract or I will sue southwest credit systems and they will have to provide the court with the contract or any document that says that I opened the account and that I agreed to pay them for these services that I am being charged for.
|
| 05/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account.As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney Generals office.
|
| 08/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I XXXX XXXX is the original creditor Pursuant to 15 usc 1692 a ( 4 ) No corporation can validate a debt. Also debt means any obligation or alleged obligation pursuant to 15 usc 1692a ( 5 ). I am sending in a copy of the letters being sent to my place of abode. In these letters I have marked each violation for review. Please see attached copies. I have tried resolving this with the collection agency in which they keep saying this alleged debt is validated. Again how can you validate this alleged debt? I XXXX XXXX DO NOT validate this alleged debt. I will be filing a complaint with the XXXX and attorney general. I also plan on contacting the media and release the information in regards to me being the Consumer and Natural person and my consumer rights as listed by Congress.
|
| 06/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I canceled my XXXX XXXX service, returned the equipment and paid the bill. XXXX misplaced the equipment and/or mis-shuffled the paperwork. {$260.00} charge was sent to Southwest Credit Systems ( SCS ) collection agency. XXXX has since acknowledged I was never in debt.
SCS is reporting {$260.00} on XXXX credit report and after phonecalls and letters they are unable or unwilling to remove it. Just today I noticed a {$18.00} charge-off account on my XXXX report - only a matter of time before something appears on XXXX and who knows where else.
XXXX of the phone calls to SCS, I was told that they acknowledged I did n't owe {$250.00} to XXXX but asked that I pay {$18.00} for some reason. I am not responsible for any charge as I returned my equipment and did nothing wrong.
|
| 05/13/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I would like to report Southwest Credit, which is attempting to collect a debt on behalf of XXXX. I had automatic bill payment with XXXX. I cancelled my XXXX service when I moved, and promptly sent back the equipment. Somehow, XXXX is claiming I have an outstanding debt and is trying to use Southwest Credit to get that back from me. Alternatively, Southwest Credit is purely a scam trying to get my credit card information.
Please instruct XXXX and/or Southwest Credit to leave me alone, as I do not owe them a dime. I am paid in full with XXXX and will mercifully never need to use their services again. Please also let me know if I need to report XXXX 's practices to the FCC, as I know I am not the first person to have an issue with XXXX 's terrible approach to customers.
|
| 04/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
>>>DEBT PARKING<<< Southwest credit consumer care. XXXX XXXX XXXX # XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX.
This is the 3rd time ( I have physical proof ) this Company has illegal Parked Debt on my name. The Alleged Debt that has been PROVEN not to be mine. The Alleged Debt Has Been removed off my credit report TWICE BY THE SAME COMPANY. also has been reset by a date and a single {$1.00} Three times in an attempt to SCAM me again! I am seeking Legal counsel as they seem to be Predatoryly Parking Debt that is NOT mine on my name. My phone number is accurate on my credit report and adress is up to date and they never attempt to call or mail me anything. They Continue to Aggressively Debt park things that ate NOT on my name. Please make this illegal Scam stop. Thank you
|
| 09/26/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They claim to hold a debt I have with XXXX XXXX XXXX. I informed them that I 'm not working a permanent job, but when I have the money I will pay. They call repeatedly and when I answer they hang up. Per my caller ID they have called : Week 1 XXXX/XXXX/16 at XXXX, XXXX, XXXX XXXX/XXXX/16 at. XXXX, XXXX XXXX/XXXX/16 at XXXX, XXXX Week 2 XXXX/XXXX/16 at XXXX, XXXX, XXXX They call from XXXX different numbers : XXXX and XXXX This causes me to get XXXX, I feel like I 'm being badgered and bullied. I 've paid over {$5000.00} in debt this year alone that my estranged husband left in my name when he walked out on me. I 'm working really hard to rebuild my credit. I want to pay them, and I will. It 's just not fair to harass me, I 'm already under a lot of XXXX. Please assist.
|
| 04/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.
|
| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
After reviewing my credit profile XXXX, I identified a discrepancy with the account listed below and requested validation as this was an account I did not recognize. Its been over a month and I still have not received any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Regarding : Southwest Credit Systems , L.P. at XXXX XXXX XXXX Southwest Credit Systems placed a {$43.00} collections account on my credit report on behalf of XXXX XXXX. XXXX XXXX reached out to me before this bill was sent to collections and notified me that I was in fact delinquent ; I paid off the bill in question, again before I understand this account was sent to collections.
Nevertheless, the tradeline was sent to Southwest Credit Systems who reported the account to the Credit Bureaus as collections activity. I filed a dispute with Southwest and indeed the tradeline was found to be paid in full. Now the account sits on my credit report erroneously, dropping my credit score precipitously, and preventing me from qualifying for a mortgage.
Please help, XXXX
|
| 08/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
|
| 03/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Date : XX/XX/2021. Debt collection letter from Southwest Credit.
About : XXXX auto insurance membership fee, amount : {$57.00}.
I switched my auto insurance last year, and stopped paying XXXX auto insurance membership, since I got auto insurance policy and services covered by another auto insurance provider. I did not need XXXX auto insurance membership anymore once I switched to another insurance provider.
But I still got debt collection notice from Southwest Credit Systems LP, stating that I owed AAA {$57.00} membership fee.
It is total ridiculous! How can a prepaid insurance membership fee need to be collected since I even do not need to have its membership? Why XXXX sold such a kind nonsense to a debt collector? I was really upset by such a harassment.
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I recieved a letter from southwest credit saying i had a bill for {$370.00}. I been building my credits for years so I know i didnt have anything in collections. i called them and they told me it was from XXXX XXXX. i live in a two family, and was referred to this apartment from a friend of a family member who lived here for years, that recently moved a year ago. I disputed the bill, called the company and explained this is not my bill. I letter is dated XX/XX/XXXX, XXXX the company has put this on my credit report, and my score has now dropped XXXX point with XXXX XXXX and XXXX. Im really upset. my identity has been stolen and now my credit is damaged. although they had lowered the bill to {$260.00}, it is still stressful because my identity has been stolen.
|
| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.
Also according to 15 USC 1681 s-2 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 that the information is inaccurate.
This is violation after violation after violation. This is causing me stress because I have no hope with this system
|
| 01/25/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
this debt was disputed and not validated back in XXXX 2016 -- while it was at sunrise collection it was reported on this site case # Case number : XXXX ] sunrise could not validate the debt and ceased collecting ... it seems as if they have now sold this same debt to Southwest Collections- XXXX -sw ref # XXXX -- XXXX XXXX i told them that this debt had already been disputed and never validated from the last collection agency -- - i asked them to provide the contract for this debt -- they say they have a bill ... a bill is not proof that this debt was incurred ... the fact that sunrise collections sold this to another credit agency, knowing it was not valid- is illegal.. and for southwest to keep collecting on this invalidated debt- a violation of the law ...
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit score dropped 57 points in three months so i investgated this and found that the collection agency did not do the homework .They are saying i owe XXXX {$87.00} and i called XXXX and they said sir all you past accounts with us were paid in full and you owe nothing to XXXX.So i called the collection agency and the girl told me they do not have my social security number on the account that is owed.So i ask XXXX XXXX the collection agency supperviser how this happened and she said she did not know, I asked her to get my credit score back to were it was before the falsely acused of owing XXXX money it is someone elses social security that they are looking for not mine.The collection agency is ( SouthWest Credit Systems ) ( XXXX ) XXXX.Ask for XXXX XXXX
|
| 08/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I switched home TV/Phone/wireless service from XXXX to XXXX in XXXX of XXXX. XXXX produced a bill saying that I had a past due amount. This was incorrect as they bill a month in advance and I had cancelled their service and returned their equipment. I received a letter and calls from Southwest Credit regarding the same amount of past due ( {$270.00} ). In speaking with XXXX, they acknowledge the bill is in error ( too high ) but that they can't correct this until the next billing cycle ( XX/XX/XXXX ) ... .yet Southwest Credit will not stop their debt collection activities. Crazy ... .I know XXXX is a bad customer service company but even they can't tell me the actual amount owed ( only that it's less than their bill ). What's a consumer to do??
XXXX XXXX
|
| 06/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SW Credit System or Southwest Credit or XXXX XXXX or XXXX XXXX or Southwest Credit Systems or XXXXXXXX XXXX Or whoever they are calling themselves today. Has placed an item on my credit reports showing XXXX as original creditor with an open date of XX/XX/2017 in amount of {$300.00} I have no idea who this company is nor have I ever had any business relationship with them. I do recognize XXXX but most certainly did not have service with them a year ago. A quick search turns up many complaints and statements such as " One of Southwests favorite collection tactics is to furnish negative information on the alleged debtors consumer credit report. '' Apparently whether they actually have the debt or not. The debt is not mine has been plced by mistake or fraud.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
ON XX/XX/XXXX I PAID THIS ITEM THAT WAS IN COLLECTION, I PREVIOUSLY SPOKE TO THE COLLECTION AGENCY AND HAVE EXPRESSED DOUBTS THAT I OWE THIS AMOUNT OF MONEY FOR A PHONE I PREVIOUSLY HAD. DURING THIS TIME, MY GRANDMOTHER AND GRANDFATHER WHO RAISED ME DIED IN XXXX AND XXXX RESPECTIVELY. ALSO MY AUNT DIED THIS YEAR IN XXXX, WHO I LIVED WITH AND EARNED INCOME FROM PROVIDING HER CARE. THE AGENT FROM THIS COMPANY TOLD ME SHE WOULD SEND CONFIRMATION OF THE BILL, HOWEVER I NEVER RECEIVED IT. WHEN I CALLED THEM ON XX/XX/XXXX TO PAY IT, THEY WERE RUDE AND NASTY AND SAID THEY PUT IT ON MY CREDIT REPORT ON THAT DAY. I ASKED THEMSINCE IM PAYING IT THIS DAY WHY WOULD THEY PUT IT ON AND THEY STATED THAT THEY COULD THOUGH I NEVER WAS GIVEN A CHANCE TO DISPUTE THIS ITEM
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Hi, I opened a XXXX account back when I first turned XXXX years old with my parents which was around XXXX of 2014. We opened 4 lines and I was not aware my social security number was being used when the account was open. We had the service for about a year and then we decided to move carriers. We kept the phones and used another service which was still under the ambrella of XXXX. A year later XXXX collection agency kept calling informing me we owed money on the phones, which where already paid for. Now three years later Im still constantly getting calls, being harassed even though my number has been changed and Ive moved to a whole different phone carrier. Please help me remove this from my Fico credit report since its making a huge impact on my score.
|
| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX REQUEST FOR INFORMATION TO 3rd Party Debt XXXX : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is a request for information for Company Name and Account #. Please provide the following information : 1. All billing statements from the date of account opening 2. A signed contract with my name on with your company.
3. Date of First Delinquency, and Date of Last Payment 4. Proof showing me that you incurred a loss from me.
I believe 14 days is a reasonable amount of time to gather this information. I look forward to your complete compliance.
Please forward all correspondence regarding this matter to the address stated above.
Sincerely, XXXX XXXX
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my XXXX water account in full XX/XX/XXXX, Southwest credit systems called attempting to collect {$330.00} in XX/XX/XXXX, I verified with the XXXX XXXX XXXX all bills had been paid and informed SWCS that the account was paid in full. SWCS Called back again in XX/XX/XXXX attempting to collect the same debt. I informed them again the debt was paid in full in XX/XX/XXXX. In XX/XX/XXXX SWCS put a collection on my credit report, I informed them again that it had been paid and I could send them proof, they informed me the only way to send them correspondence was via mail. I spoke with a supervisor and she said she would verify with the XXXX XXXX XXXX the account was paid and I have not heard back. I disputed the record on experian and it was upheld.
|
| 11/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They have been repeatedly calling me at least twice a day for the past month. I recently answered the phone, and as they spoke about that I didnt confirm nor deny it was mine. All I did was ask for debt validation letter and the contract from the original creditor, or any documents pertaining to this credit from the original creditor mailed to the address that they stated they continue to say that they couldnt do it and it wasnt available so then they put me on the phone with a supervisor and both times the supervisor continue to ask me for my name and all I said was if they can send the above name documents to the address that they have on record and she continue to say if you dont tell me your name, I will not talk to you and proceeded to hang up
|
| 09/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On Thursday XX/XX/XXXX, I received an alert via my credit monitoring stating two new collection accounts were now reporting. The two companies reporting these unknown collection accounts are : ( 1 ) Southwest Credit System ( 2 ) XXXX XXXX XXXX I want to be VERY CLEAR, I received NO notice from either of these companies. I don't owe either nor have I ever had any accounts with these companies. By law, I am afforded the opportunity to receive a notice from a collections company PRIOR to placing any item on my credit report. I demand both ( 1 ) Southwest Credit System & ( 2 ) XXXX XXXX XXXX remove these accounts from my credit file IMMEDIATELY.
No notice of a debt was received nor had the opportunity to demand debt validation. Remove these accounts.
|
| 09/16/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
To whom it may concern, On XX/XX/2019 ( inaccurate date ), a collection company named Southwest Credit Systems was inaccurately reported to my XXXX, XXXX, and XXXX credit report. Southwest Credit Systems is claiming that I owe {$200.00}. I and a Credit Repair Specialist disputed this issue against the creditor by contacting them directly while also disputing the collection with the credit bureaus via written letters recently. Each dispute letter that was sent respectively asked for documented and written proof that I owe a debt to this creditor. Both Southwest Credit Systems and the credit bureaus refused to provide signed documentation for the debt listed above. Instead, they sent copies of my credit report. The issue has still not been resolved.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I send them a request of validation letter requesting the following ; Name and Address of Alleged Creditor Name on File of Alleged Debtor Alleged Account # Address on File for Alleged Debtor Amount of alleged debt Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased Original or copy of agreement that bears my signature of where I agreed to pay the creditor.
However all I got in response was some of the request and nothing showing my wet signature nor a notification where it states I can dispute this. They are also affecting my credit report by reporting to the CRA 's which is a violation of the federal law 15 USC 1681a ( 4 ).
|
| 01/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest credit systems has reported an alleged debt in the amount of {$50.00} to the consumer reporting agencies. I have not entered into a contractual agreement with this company and there was never an initial communication between us. Southwest credit systems obtained and furnished my personal information without my direct consent which constitutes identity theft and a violation of my individual privacy rights as a consumer pursuant to 15 USC 1692.The furnishing of this alleged debt to my consumer reports is harmful to my reputation pursuant to 15 USC 1681 ( a ) ( 2 ). I am disputing the validity of this alleged debt pursuant to 15 USC 1692g. I have sent a debt validation letter to Southwest credit systems on XX/XX/2021 and I await a response.
|
| 09/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit sys and XXXX XXXX
|
| 05/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Good morning this is in regards to a debt not owed to southwest credit. responding to other complaint to southwest regarding XXXX XXXX I currently am in contact with XXXX and my contract is with XXXX and my payments go directly to XXXX.
Everyday I get harassment calls from XXXX XXXX XXXX and I have asked them to stop calling. I do not have a contract with Southwest credit which is trying to collect a debt not owed to them. In previous complaint southwest sent over to you copy and paste information of XXXX which is not valid.
I am asking southwest to remove themselves also from all 3 credit bureaus which they have to right to add themselves when in fact I am paying XXXX not southwest.
Again I do not have a contract with this 3rd party agency
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
On XX/XX/XXXX, I checked my XXXX Credit Report, and it showed a collection from Southwest Credit Systems. The date of the debt was XXXX, XXXX. This debt is over 7 years old and should no longer be on my credit report. It was for a cell phone service to an organization of which I was an XXXX. The organization folded, and XXXX charged me with the balance. They said they would remove the charge, but never did.
In any case, this happened before XXXX. I filed a dispute with XXXX, and all they did was " update '' my credit report after contacting SW Credit Systems. But nothing on the report changed. SW Credit Systems left the date as XXXX instead of XXXX or XXXX. So a debt that should be removed from credit report is reported as XXXX of this year.
|
| 06/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
Southwest Credit Systems has been contacting me stating there is a XXXX Internet/Cable bill that I owe in Georgia. I have never lived in Georgia but someone used my SSN to enroll in a XXXX contract ACCT # XXXX for {$550.00} & I was told the contract was signed XXXX. SCS has sent me a Identification Theft Affidavit requesting my SSN, drivers lic #, auto ins policy #, life ins policy # & birth certificate yet all the paperwork states " DO NOT SEND AFFIDAVIT TO THE FTC OR ANY OTHER GOVERNMENT AGENCY '' on the bottom of all pages. I have contacted XXXX & this acct # is under my name & SSN but the refuse to give me copies of a contract the was signed or any of the billing statements. They are threatening to send me to collections & ruin my credit.
|
| 11/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XXXX of this year I had made a payment arrangements for southwest Credit to take payments on the behalf of XXXX XXXX and something happened and the payment didn't happen I sent in checks totaling {$300.00} to them on XXXX and first told they didn't receive my payment then when I had XXXX XXXX the actual debtor call and southwest told the representative that the checks were going to be sent back to me I called and were told and confirmed that my check were in the mail now XXXX giving me until the XX/XX/XXXX to make the payment and southwest said on XX/XX/XXXX its mailed to my P. O. Box address I provided but now to be told my check were mailed to another address the priority mail XXXX XXXX XXXX XXXX XXXX XXXX United States postal service
|
| 09/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
An impostor opened a XXXX XXXX account using my credentials in New Jersey fraudulently from XX/XX/XXXX to XX/XX/XXXX and I have been living in Florida for the past 22 years. I became aware of the issue through my Visa credit card provider and I alerted XXXX and provided agent XXXX @ XXXX on XX/XX/XXXX all the information that I could, to prove that it was a fraudulent account that was opened without my knowledge. But they refused to correct the problem and submitted my case to a collection agency on XX/XX/XXXX.
I was repeatedly contacted by Southwest Credit Systems ( debt collection agency ) and so I paid off the {$120.00} charge to stop the harassment.
Please I need help to remove this negative collection issue from my Credit Report.
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have no outstanding debts and have received no written notification that anyone thinks I owe them money. This company has been calling me repeatedly every day using different numbers and never leaves a message so I do n't know who they 're trying to reach or why. Here is a list of the calls to date ( it is now XXXX XXXX on XXXX XXXX ) : XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX Service XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit company is reporting that I owe a debt of {$800.00} for a previous XXXX account for equipment that was never credited to the accounts.
I have reached out to the company several times by phone and letter to settle the account, but has been unsuccessful in getting the issue resolved. Personnel repeatedly states that they will return my call, but never do. Communication has been ongoing for several months beginning in XXXX. I am unable to get in touch with anyone at the company to get this removed or settled.
This is the information that I have on them : Address : XXXX XXXX XXXX # XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Website : swcgroup.com CEO : XXXX XXXX I would like to get this issue resolved as soon as possible.
|
| 12/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts : Southwest credit systems.
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The debt or bill is not accurate.
I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again.
I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails?
I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.
|
| 05/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Every 2 years since XXXX or XXXX, XXXX XXXX, now it's Southwest Credit Systems, has been ruining my credit on XXXX. Throughout the years, they have sent collection companies from different states that continue to call me during all times of the day from different phone numbers. I have to dispute this every time. Then my credit scores go up after it's cleaned from my credit, and then it crashes when XXXX XXXX ( Southwest Credit Systems ) finds some way to get into my credit. It's been a repeated cycle since XXXX, resulting in XXXX or so points dropping each time. My consumer rights have been violated with these tactics. I am also worried that I'm a victim of identity theft. I have no business with XXXX XXXX and Southwest Credit Systems.
|
| 04/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Southwest Credit Systems ( SCS ) first tried to collect {$330.00} on behalf of XXXX in XXXX. I spoke to an agent at SCS advising that I never had an account with XXXX and that the name as they reported was not spelled the same as mine. SCS advised me to freeze all three credit bureau accounts and to file a police report, which I did ( see attached ). My wife and I are in the process of buying a new home and the mortgage company required us to unfreeze all three reports to pull a current report. The credit reports pulled last week showed a delinquent account of {$330.00} from SCS. This resulted in a dramatic drop in my Excellent credit score rating to Fair. This impacts our mortgage financing negatively incurring higher closing costs.
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone opened a XXXX account in MA, and I live in XXXX for over 20 years all the while being a customer of XXXX for 30+ years in XXXX & XXXX only.
XXXX submitted the debt to a collection agency. I send them the standard debt collection letter and the debt collector will no longer attempt to collect this debt as it is fraudulent. XXXX still insists it's valid even though they can not provide me with concrete proof it was i that initiated the service. They have admitted that it was initiated only with a SS number and no other proof of ID. Now XXXX wants me to provide them with copies of photo ID, SS card, driver 's licence and other additional information to prove the fraud. This is far more than they needed to open the account.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a call from this company in late XXXX or early XXXX. I asked them to send me proof of this debt because I was in dispute of the amount they are attempting to collect. Per the rep Im being charged for equipment that has not been returned when I indeed sent the equipment back over 3 years ago. Yesterday on XXXX I received an alert from the credit bureau that this new debt has been added when I disputed the amount from with the first contact from this company. I have received nothing from this company besides an initial phone call. I called them on XXXX and spoke to a rep and she acknowledge that there was no verification sent out and she also informed me that there company is not responsible for credit report reporting.
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Regarding case number : XXXX, I have disputed the validity of the debt SWC Group LLC is attempting to collect and have asked SWC Group that they stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. Even after sending this letter within the 30 days of when I received their notice, they continue to call me multiple times per day. My understanding is that according to the provisions of the Fair Debt Collection Practices Act ( FDCPA ) they must cease contacting me until they have provided competent evidence that I have any legal obligation to pay them. In my mind, Southwest Credit is clearly in violation of the 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification via my credit monitoring service that I had a collection placed on my account. This dropped my score over XXXX points. I never received a notification of owing the debt or that I could dispute the debt. I requested verification of the debt and the only thing they sent me was a bill from XXXX. This debt was previously with another debt collection company and I contacted XXXX and they said I did not owe the debt. I communicated that to Southwest Credit Systems and they told me I owed the debt. I have only received 2 communications from them and that was after they reported my account to the credit bureaus. Additionally this account is from 2015 which is 7 years old but they are reporting it as if it was new.
|
| 03/22/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I began taking control of my financial matters and pulled my credit report. After careful review it was determined that I had been a victim of identity theft. Listed on my report was a collection charge in the amount of {$1700.00}. Immediately I contacted XXXX to inquire about the said charges and any details that could be shared. As it turns out I 've never lived in the state of CT at anytime in my life at either address that XXXX csr provided. Secondly I contacted the credit collection agency as well, informing them of the fraudulent activity. The collection agency indicated the would send a investigative packet out to me to complete. I did offer them a copy of my lease which clearly indicates my residence for the ladt 8 years.
|
| 10/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I contacted Souhtwest Credit systems via certified mail on XXXX XXXX 2016 to dispute the collection placed on my credit report asking that they validate the debt and to mark the account as " Disputed '' with the credit reporting agencies. According to the FCRA Section 623 ( a ) ( 3 ) they violated this by not placing the disclosure within the required 30 day period. I will attach a copy of the certified mail when it was signed for as well as a copy of the credit reporting agency that has a date and time stamp showing this was not done within in 30 days of Southwest signing for the certified mail. I have contacted via certified mail a total of 3 times giving them ample time to resolve this matter since they violated a federal law.
|
| 04/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to southwest credit systems regarding a debt they are trying to collect for a company called XXXX. I sent a certified letter to them requesting a validation of debt, State the amount of the debt when you obtained it, and when that was, if they had gotten this from another collection agency, the statute of limitations on the debt, their companies debt collection license, and requesting the copy of the contract bearing my signature only thing the company returned was a list of charges by XXXX that does not supply my signature or consent or any of the other important information I requested. This company is illegally reporting this debt to my credit without proper debt validation and I need this removed immediately.
|
| 06/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a derogatory credit item from southwest credit systems for a XXXX account that went unpaid. I called southwest and made payment but they denied my request to take down the item. They are not original owners of the note and could n't produce documentation nor did they advie me prior to posting this on my credit as I was unaware of the unpaid bil due to moving and having a new home address. I 've contacted them and escalates calls even so contacting the credit bureaus advising them of the situation. Please advise as to what I can do. The account was paid back in XXXX XXXX and I received a deragotry item on My credit on XXXX XXXX . The amount owed was roughly {$470.00}. Thank you for your consideration.
|
| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I had cell phone service with XXXX . I cancelled my account and was sent a final bill. I did n't pay the final bill. I do acknowledge that I owe XXXX . I have tried to pay the amount I owe with the credit collection company ( S.W Credit systems ). They are telling me I ca n't pay the original amount I owed anymore. They are wanting me to pay for charges I did n't accrue. XXXX continued to charge me even though I had switched to another company. I have disputed this account before. It was then removed off my credit report. Now XXXX has sold the account to SW credit system. This is illegal. I feel like XXXX keeps a saying that the debt and/or issue is resolved and then they sale the debt to another collection company.
|
| 07/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems ( AKA SCS ) XXXX XXXX XXXX XXXX Tx, XXXX Account # XXXX for T mobile They refuse to provide the needed documents entitled to me by Federal Law, FDCPA and USC 1692 to show a debt obligation / debt collection is legal. It is not.
This company is illegally prohibiting me from using my credit needed as I am starting a business and buying equipment.
No contract is provided showing authority of Southwest Credit Systems to collect for T mobile. No contract or accountings of credits/ debits showing a balance owed from XXXX XXXX SCS has previously violated my rights and complaint is on file with CFPB with other companies.
An electronic verification is not acceptable, a manual verified accounting is required.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southwest Credit Systems , L.P. has made allegations about this debt for {$3200.00}. I have communicated with them via U.S. mail ( XX/XX/XXXX XXXX XXXX ) requesting additional information. Their response ( XX/XX/XXXX XXXX XXXX ) was a generalized statement. Therefore, I appealed with a second letter ( XXXX XXXX XXXX ) requesting an itemized list with additional information ( delivered XXXX XXXX XXXX ). I have received no response to the second letter and I have waited 30 days, plus an additional 10 days to give ample time to allow them to do their due diligence. I have attached all correspondence mentioned above. I have an unsubstantiated debt being reported to the credit bureaus and this is concerning to me as a consumer.
|
| 05/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received 5 phone calls in the past 3 days from Southwest Credit ( only reason I knew their name was I called the numbers back and tried to get a hold of somebody but was on hold for too long ). Calls from XXXX Thurs XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Thurs XX/XX/XXXX XXXX XXXX Fri XX/XX/XXXX XXXX XXXX Calls from XXXX Mon XX/XX/XXXX XXXX XXXX Every time I have tried to pick up, they have hung up on me. They are calling my direct work line and are harassing me by repeatedly calling & hanging up. They have also not reached out to me via mail alerting me of a collection attempt so I have absolutely no idea if their calls are valid, or if they are even trying to reach me.
|
| 10/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 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. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
|
| 11/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest credit systems has unconfirmed and lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ET Section 604 of the FCRA. I accept no responsibility for ownership of this debt ; however, Im have tried in good faith to compromise and offer a settlement amount in exchange for written terms. I have tried in good faith, but it is apparent that Southwest credit systems does not wish to settle and accept any form of payment for the alleged Debt. If they are unwilling to, I can only assume that southwest credit systems intentions are that of a malicious nature and does not want or has ever wanted to settle this matter timely, good faith or with intelligent resolve.
|
| 07/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Received phone call from Southwest Credit on XX/XX/XXXX stating that I owed {$140.00} from XXXX. However, this charge is incorrect. When I asked for an itemization Southwest Credit promised to mail it to me on the same day XX/XX/XXXX.
As of the writing of this complaint to CFBP on XX/XX/XXXX, Southwest Credit has not ever provided me with a bill validation after several urgent follow up calls since XX/XX/XXXX and is threatening to forward this debt to the three credit bureaus XXXX, XXXX and XXXX.
Southwest Credit had an obligation to forward me a bill validation within 5 days of contacting me for the debt. It is now over 30 days and Southwest Credit has not acted in good faith and is attempting to hurt my credit score.
|
| 11/16/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I respectfully request full investigation and based on the information I have provided I request the SOUTHWEST CREDIT SYSTEM be fined for violating my rights and forced to comply with the regulations and laws protecting me from there unlawful practices. They placed a collection on my credit and refused to verify the alleged debt and they also refused to verify they owned the alleged debt they are attempting to collect. SOUTHWEST CREDIT SYSTEM needs to provide the legal documentation they ( own ) the alleged debt ( Bill of Sell, Affidavit from original creditor verifying the Bill of Sell, and contract or agreement with my signature ) or cease all debt collection activities and remove the alleged debt from my credit files.
|
| 10/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I applied for pre approval to take out a loan with XXXX XXXX. My bank sent me a note after they had pushed the application through that said my credit score was too low for pre approval because XXXX had passed on a delinquent account, under my name, to a third party debt collection agency. However, I have never nor will I ever have an account with XXXX. In effect, XXXX linked my name and address with a delinquent account held by another individual under the same name at a different address. XXXX had no other information to associate with my name and admitted, on the phone, that the account had been charged in error. They then refused to assist further and suggested I go through the steps necessary to correct their error.
|
| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit Systems ( SWC Group ) was notified on XX/XX/2020 that this account was a result of ID Theft. I sent in a dispute through XXXX on said date along with a copy of the original police report verifying I was I victim of ID theft and that my drivers license and ssn had been compromised. Southwest however verified the account as truly belonging to me and marked it a consumer disputes this information instead of deleting the fraudulent information on XX/XX/2020. Southwest Credit systems did this even after having knowledge of this account being fraudulent and having being informed of this by XXXX ( in lieu of dispute ) and myself. I have attached a copy of the police report verifying I am a ID theft victim.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I cancelled my XXXX cable services XX/XX/XXXX, in XXXX on XX/XX/XXXX I once notified XXXX after receiving a new bill of service that I was disconnected, on XX/XX/XXXX they took another {$330.00} with out my consent of authorization, on XXXX I received a bill for $ XXXX for unreturned equipment, I was awaiting a location from them to do so, XXXX XX/XX/XXXX I returned all equipment, on XX/XX/XXXX a new bull cane stating i owed {$560.00}, I called and was told the next bill will have that removed. Today on XX/XX/XXXX I got a leeter of collection from Southwest Credit Systems stating them are attempting to collect $ {$560.00}, i have already contacted my atty general office of Pa, in reference to this fraudulent bill.
|
| 02/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Collections contacted me multiple times for weeks. I answered the following # ( XXXX ) XXXX XX/XX/2021 to find out they were asking to collect debt for equipment I allegedly owe with XXXX upon asking for proof/invoice/evidence they could not provide me with any and informed me an email would be sent out but never received. I reached out directly to XXXX billing and was informed that there is no debt on any of my past/current accounts and was informed that unless they could provide me with proof to dispute it. I contacted Southwest credit collections with that information and began to have go in circles with them they said they could not send out info but that I did owe and were making false dates
|
| 01/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
Southwest Credit Systems contacted my wife at her place of employment about a {$100.00} debt that was owed. I sent a written request to SWC on XX/XX/XXXX and asked that the debt be validated and as of today ( XX/XX/XXXX ) no response has been received from the company. On XX/XX/XXXX my wife received a phone massage from the secretary at her job with the phone number for SWC but the person left no contact name. The secretary said that they told her to have my wife contact them ASAP about an outstanding debt or they would sue. I never gave this company permission to contact my wife much less contact her at her place of employment. SWC violated my privacy and now my wife 's coworkers are aware of my personal business.
|
| 09/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
to whom may concern, im writing this complaint to inform you of the violation FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] of all three credit bureaus XXXX, XXXX and XXXX. im trying to start a business and purchase my first home, these inaccurate validation of these accounts has detrimental impact on my credit score. XXXX of XXXX dispute letters was sent out, no less than 30 days the account XXXX XXXX XXXX XXXX and XXXX XXXX XXXX was removed. XXXX of XXXX reinsertion of collections account had to be disputed again and was removed. XXXX of XXXX XXXX XXXX XXXX and southwest credit sys was reinserted again different company. i have received no such notification in validation of these accounts.
|
| 07/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To whom it may concern, This debt was on my credit report in the past under another debt company " south west '' I continued to dispute this debt Its not my debt the utilities were being used by someone else after I left that apartment someone was stealing the electric so I was billed for it service was terminated. Now after disputing this several times it was off of my report so I'm like it's about time they believed me and fixed the issue so now it's back on my credit report under another name XXXX XXXX XXXX and once again here I find myself disputing it once more I want this rectified This company like the before mentioned company has no idea what happened and why I am adamant about not paying what I don't owe.
|
| 10/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.
|
| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX SW CRDT SYS ( Original Creditor : XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 02/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit has been continuously blowing up my phone morning, noon and night. WHY?
First of all these debt collection companies have to prove that the debt is mine which this company can not do.
Southwest Credit has been repeatedly calling my phone on a daily basis with no specific data or reason. Just completely blowing up my phone and when I answer the tele, most of them do not speak. The ones that do claim that I owe them something! I've never done business with them!
No one can give me any proof or accurate information about WHY THEY ARE CALLING!
This is straight up harassment! They have called my cell at least 17 times in the last 7 weeks!!!!!!!!!! I am being inundated with calls for what reason?
|
| 12/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I recently review my credit report and notice there were inaccurarcies. A collection SOUTHWEST CREDIT SYSTE the amount of XXXX is not my debt. I was a victim of id theft and im not responsible for debt. Below is a copy for information related to the debt. It stopping me from getting a place to live.
Account Info Tap labels for more details Account number XXXX Collection openedXX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/2021 Original balance {$200.00} {$200.00} Payment Info Original balance {$200.00} Balance {$200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX 2021 Additional info Comments
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Notice to all, I am a consumer pursuant 15 usc 1681 ( a ) ( 4 ) I have federally protected rights that have been violated. I have never signed a contract OR PROMISSORY NOTE with SOUTHWEST CREDIT SYSTEMS. Notice in fact, I am disputing any and all alleged debts that this company claims I may own past future and present. Any item furnished on my consumer report is a violation of 15 usc 1681b. Notice in fact that I've never given my written or verbal consent to these items being reported. violation of title 15 are punishable pursuant 15 usc 1692k by {$1000.00} per violation. I DEMAND THESE ITEMS BE REMOVED FROM MY FULL CREDIT FILE OR PAY ME {$1000.00} FOR EVERY MINUTE THAT THIS ITEM HAS BEEN ON MY CONSUMER REPORTS.
|
| 02/01/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They refuse, on a recorded line, to speak with me in regards to my account. The manager XXXX hung up on me several times. They do not state the mini miranda, unless you become a problem. They disclosed 3 rd party information, did not mirandize, and refuse to answer my questions in regards to this delinquent debt. The account was placed on the credit as opened on XX/XX/XXXX when in actuality it's from XXXX. Direct FDCPA violations. The supervisor hung up on me over 5 times and blamed it on her " headset being dead. '' Very rude, unprofessional. Already sent certified mail requesting proof, never got it. I plan to file suit if this case is not dropped. This company is operating outside the lines of the FDCPA laws.
|
| 11/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate credit information.
I am very upset that you have included the below information in my credit profile due to its damaging effects on my credit standing. I have been wrongfully denied credit recently which was very stressful for me.
The inclusion of this inaccurate information is a mistake on either your, or the reporting creditor 's part and I am formally requesting an investigation into these items.
***SOUTHWEST CREDIT SYSTEMS : XXXX, XXXX The account balance is incorrect, please delete.
I expect a timely response from your Credit Bureau regarding my dispute.
Thank you for your prompt attention to this matter.
|
| 05/20/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Since Monday XXXX I have received calls from this company each day and most twice a day. This company has blatantly violated the FDCPA in attempting to contact more than three times a week. Then attempts were XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX and XXXX, XXXX at XXXX, and last attempt was XXXX at XXXX when I finally got through to someone and told them to stop calling. In addition after discovering what the account was for and who the company was they have also failed to send the first notice for the account as it has never reached my residence and the address that the original creditor has/had is my current address.
They used XXXX different numbers to contact me : XXXX, XXXX, and XXXX
|
| 06/09/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Spoke with someone at Southwest Credit Systems at appr oximately XXXX this mornin g ( XXXX ). He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from XXXX .
|
| 02/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had successfully disputed an account I had in my collection account through XXXX XXXX last month. It was removed due to the amounts being incorrect and me having no knowledge of. Then as of XX/XX/2020, it had reappeared on my XXXX and XXXX report as an entirely new debt collector. I've been in several attempts in the past to have this removed and have been getting the loop around never gotten followed back up with. Then I learned I could dispute. But it seems it worked then had been reopened and added back. It's becoming very irritating and I'd love for some assistance with the matter. The amount is XXXX and original creditor was XXXX XXXX now reopened in collections on my debt as Southwest credit system.
|
| 06/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have requested verification and validation per my right under the FDCPA section 809 a and b. This is your direct dispute. I am demanding proof of this debt. I have never had XXXX . My account number XXXX according to the inaccurate information on my credit report.. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX This company collection practices are very abusive and deceptive as well. Trying to talk to anyone is a nightmare and they are very rude and hateful. I am aware I can seek actual and statutory damages against you and your client. If I must file a civil lawsuit I will to protect my rights. As I am sure I am not the only consumer whose rights has been violated by this company.
|
| 03/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
In XX/XX/XXXX I submitted an order for XXXX cable, internet and phone service. In order to do so, I had to open an account. However, XXXX never established service or installed any equipment. After a few weeks, I gave up and instructed the company 's representative to close my account. Much later I was contacted by several debt-collection agencies, most recently SouthwestCredit, demanding payment of {$150.00}. On XX/XX/XXXX, in response to a letter dated XX/XX/XXXX, I wrote to Southwest that I had never received XXXX service and had instructed XXXX to close my account. In a letter dated XX/XX/XXXX, Southwest responded that their " investigation '' had " confirmed '' that the full amount was due immediately.
|
| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
The company responded telling me they dont need a signed contract or to prove that an account is mine. They refuse to remove it & are telling me that a fraudulent address is mine. I DO NOT owe that account NOR DO I have or ever had any affiliation with the address linked to that account. It is a fraudulent address on my profile XXXX XXXX XXXX XXXX # XXXX agricultural/single family IT IS NOT MINE. If they dont provide a wet signature, signed document, photo, Lease or any other valid PROOF I want it REMOVED with an apology or my next step is contacting my attorney. SEE THE CIRCLED DOCUMENTATION, ADDRESS, ACCOUNT NUMBER, COMPANY & DATES.This is malicious and I WILL NOT let this go without financial recourse.
|
| 01/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX is consistently harassing me. The company has called from different area codes repeatedly every day for months, even after I have asked them to cease calls. They also send mail even after relocation to a different address that I do not provide to them. I have never received validation that the debt owed is my debt. I have disputed against the company on numerous occasions and there has been no resolution. Upon further investigation, the state of North Carolina requires collection agencies to be licensed within their state. XXXX XXXX XXXX XXXX is not licensed or registered with North Carolina 's Secretary State and should therefore be removed from all credit bureau agencies immediately.
|
| 01/18/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS Address : XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX Address Identification Number : XXXX Status : Collection account. {$180.00} past due as of XXXX XXXX.
Status Details : This account is scheduled to continue on record until XXXX XXXX.
Date Opened : XXXX Reported Since : XXXX Date of Status : XXXX Last Reported : XXXX Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility : Individual Credit Limit/Original Amount : {$180.00} High Balance : NA Recent Balance : {$180.00} as of XXXX Recent Payment : {$0.00} ( Someone fraudulentlyopened up an account ) and my address for the last 2years XXXX, XXXX Nh XXXX
|
| 11/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
According to XXXX an attempt to collect a balance of {$260.00} was issued and XXXX and XX/XX/XXXX by Southwest Credit for XXXX. I did not receive a written statement from SouthwestCredit in XX/XX/XXXX. As of XXXX XX/XX/XXXX, I received a written notice for the aforementioned amount. Although, the written notice does not indicate or have the verbiage that states that I can file a dispute. As of early XXXX ( date unknown ) I have since moved carrier and have not held an account with XXXX. Additionally, I am currently disputing a phone number ( XXXX ) XXXX in XXXX that is linked to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in South Carolina. I have never been to South Carolina or attended services in that church.
|
| 06/07/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX was in my name in XXXX . My husband was bouncing my checks, taking money and not paying bills, etc. We transferred the account from my name to his. When I called, the customer service representative told me as long as I opened another account, there would n't be any problems or charges. The service was not disrupted and they did n't send new equipment or a service man to connect the service. I moved to XXXX and turned on XXXX in my name again. There is a collection on my credit report for {$140.00}. I called and they said that I broke a contract but did not send any information to me. XXXX told me they were two separate entities after they turned off my service and reconnected it.
|
| 09/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I got a notice on my credit report about an account going to collections in the amount of {$520.00}. But I have no clue what this debt could be or where it came from. I never received any notice or verification of this debt. Not even a phone call to try and collect the debt before reporting it. I get a lot of spam calls so I don't answer the phone if I don't know the number. I wait till a message is left so I can confirm the legitimacy of the call. I tried to go on to South West Credit Systems website and make an account to verify this but all information I put says there is no record of it. And I am scared to call because I don't want to be pressured to pay a debt I know nothing about.
|
| 06/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Found this on my credit report!!
I have not had a XXXX account since XXXX! Last I had a XXXX account it was settled completely after removing service! This is hurting my credit ... please help me mkae it go away Derogatory marks View all accounts COLLECTIONS Southwest Credit Sys Opened XX/XX/XXXX {$220.00} Original creditor : XXXX Overview You have 100 % left to pay on this collection.
Balance {$220.00} Highest Balance {$220.00} Opened XXXX XXXX, XXXX ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks -- Original Creditor Name XXXX See an error?
You could dispute an error with XXXX.
GO TO XXXXXXXX XXXX XXXX SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
|
| 09/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a fraudulent account on my credit report that has become egregious and is not mine. I do not know who used my name or how this came to be a debit of mine. It is a {$1100.00} debt from XXXX XXXX. I cant say this more emphatically, I have never had a XXXX XXXX account in my life and could you please remove this immediately.
Also, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. There is no such document because this isn't my debt so please remove ASAP.
|
| 02/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I previously had cable services thru XX/XX/XXXX with XXXX. Upon moving in XXXX XXXX, I lost a cable box, therefore, I was being billed for the box. I finally found the box in XXXX XXXX and called XXXX to see if I could still return it. I was told that once I returned the box, my balance would be {$0.00}. I returned the box on XXXX/XXXX/XXXX at their XXXX, TX store. I have attached the receipt given to me to reflect the return. After returning the equipment, I never received any calls nor notification from XXXX that I owed anything else. 3 years later, I noticed that a collection account by SW Credit was placed on my credit bureaus for the {$200.00} that was previously owed before I returned the box.
|
| 01/15/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a letter from Southwest Credit with an attempt to collect on an alleged debt from XXXX XXXX XXXX, stating placement date of XX/XX/XXXX for the amount of {$330.00}, and stating Southwest Credit Reference Number : XXXX. I sent them a letter on XX/XX/XXXX requesting that they verify the alleged debt. The company did not and still has yet to verify this debt. They sent me a response back dated on XX/XX/XXXX with a billing statement from XXXX XXXX XXXX. They are threating to report this false, unverified information to the credit bureaus. Furthermore, the company they are trying to obtain the debt on behalf of ( XXXX XXXX XXXX ) has a social security number on file that does not belong to me.
|
| 07/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges.
|
| 05/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a debt validation letter to Southwest Credit Systems on XX/XX/XXXX. They have not responded in writing to my request. However, on XX/XX/XXXX I was notified by a credit monitoring service of a negative collection entry on my credit report. Although I included a cease and desist request within the debt validation letter I received calls. I took one call on XX/XX/XXXX in which I explained the situation. They verified their receipt of my letter and their entry to my credit report. After I explained their violation of the FCRA regulation that prevents a company from taking such action before the validation of the debt, the representative stated that they don't delete entries on credit reports.
|
| 01/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
SOUTHWEST CREDIT SYSTEMS, L.PXXXX contacted me by phone 2 months ago saying that I owed them {$790.00} dollars for a XXXXXXXX phone bill that was 7 years old. I told them. I typed up a letter and sent it to them via certified mail requesting proof that I owed them. I also requested they send me the origibal contract with my signature. I mailed the certified mail int he beginning of XXXX. I have not heard from them again, However they reported to the credit companies and now I have this ruining my credit which cause my credit score to drop significantly. I also disputed with XXXX which deleted it but as of XX/XX/2022, XXXX placed it back on my credit report which caused my score to drop again.
|
| 10/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing this greivance as I've exhausted all forms of communcation with XXXX regarding a sum billed for equipment that was turned in. I used to have cable and internet with XXXX XXXX XXXX XXXX XXXX I eventually stopped using the service and returned all requested equipment to a return store they have at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. The company states they never received it and I have a collection of {$320.00} for none return of the equipment. I can't say why it was not updated accordingly on their side as I am not employed by XXXX to understand or have knowledge of how they process their updates. I do know that the equipment was in fact turned in and any sums owed were paid.
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am submitting this complaint because I am being extremely affected by SOUTHWEST CREDIT SYSTEMS , L.P . They are being completely unfair and I dont know how to get ahold on them but through this portal.
I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation.
I want to give SOUTHWEST CREDIT SYSTEMS , L.P . The chance to solve this matter before any legal action is taken.
Account information : Below is the account involved : SOUTHWEST CREDIT SYSTEMS Account Number : XXXX Open dated : XXXX.
Account Type : Collection.
Balance : {$50.00}.
Demand and remedy : Deletion of account from all bureaus.
|
| 12/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SouthWest Credit Systems/XXXX have incorrectly reported a debt to my credit report that is NOT my debt. The person who owns the debt has the same first and last name as me, but a different middle name. The person also has a different address which is not my address. This debt collection company has wrongly and inaccurately put someone else 's debt onto my credit report and this is tarnishing my credit report and credit history. The amount of debt Southwest Credit Systems/XXXX is seeking is {$1400.00}. This is not my debt and I have no knowledge about this debt. This debt has been fraudulently put onto my credit report as this is someone else 's debt and I want this to be removed immediately!
|
| 01/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I lost my job and fell behind on my cable bill, I owe {$120.00}. XXXX XXXX sent the bill to collections and ever since I have received calls daily, at times 3-5 times a day. I told the XXXX collectors that I JUST started a new job and that as soon as I have enough money I will pay them, the calls then slowed to 1 call every other day. Now I am receiving the calls from a XXXX NY number for the same bill and I told then the same thing, I will pay the debt as soon as I have the money but they continue to persistently and annoyingly call. I work vigorously long hours at a physically demanding job and I 've been woken up by then calling at XXXX several times now and they will not leave me alone.
|
| 07/15/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an account with XXXX XXXX in XXXX. I didn't agree with what they charged and I quit doing business with the company. I switched over to XXXX at the time. I completely paid XXXX XXXX off so that I could take the phone I had at that time. Several years later they told me I owed more money. I do not owe them anything. Now they have sold thos imaginary debt to to a debt collection agency called southwest credit systems Inc. The amount of {$1800.00}. They have completely misrepresented the facts on my credit report stating this claim was from XXXX. Time has ran out on this debt. This is damaging to my credit report and an unfair practice of this company. Please help me resolve this issue.
|
| 08/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a collection notice on XX/XX/XXXX from Southwest Credit Systems. This debt was disputed and validation was requested.
Southwest Credit Systems did not provide a validation as requested. On XX/XX/XXXX I received notification from XXXX in that a derogatory account had been reported by Southwest Credit Systems which negatively impacted my credit history.
This action violates the Fair Credit Reporting Act [ 15 U.S.C. 1681 ] and the Federal Validation Notice [ 15 U.S. Code 1692 ].
On XX/XX/XXXX the per violation penalty increased from {$3500.00} to {$3700.00}. No debt collection company should operate above the law.
Therefore I have submitted this complaint for investigation.
|
| 06/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX has giving me the run around several times on this account.
I talk to them several times in which different amounts they mail me.
Someone from XXXX tells me after several attempts to get this resolved but no one follows up from XXXX to clear this up XXXX giving me XXXX Bills with different amounts I have for {$390.00} & {$270.00} But was told XXXX XXXX said on the phone {$260.00} and they clear the amount to sttle on thsg amount in which I never got the bill for the said amount after several attempts.
This robot or AI machine in which has several issues its nit no human I have attached from XXXX XXXX different bills with different amounts they mail after I had disputed the bill.
|
| 08/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The company has called me most recently on XX/XX/XXXX and XXXX, and again on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. There have been prior instances of them calling me going back months, but my phone does not keep records that far back. Every time they use a different phone number but the same company name. I have spoken with them once and they ask me for personal information to verify my identity, but will not tell me why. I refuse to share information with them since they are randomly calling me and I have no uncollected debts as far as I know. I would like them to leave me alone or tell me in writing why they are contacting me so that I can make sure this is legitimate and not a scam.
|
| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Southwest Credit Systems, L.P. issued XXXX separate collections accounts for the same {$190.00} dollar debt from XXXX, and both these accounts, despite representing the same collection, appear on my credit report. This money was not owed originally, as I have the receipt to prove I sent in my modem etc. I was not contacted to dispute the debt and show my proof of not owing the money. I contacted Southwest Credit Systems directly via certified postal mail to ask for verification of debt and to clear up the XXXX accounts that they have listed on my report. It has been 30 days and I have not received this information from them nor has the duplicate collection been removed from XXXX or XXXX.
|
| 09/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have terminated my contract with XXXX on XXXX of XXXX they kept charging my account so I had to dispute it with my bank. XXXX did fail to provide the proper documentation supporting the legitimacy of these charges, so my bank closed the case to my favor blocking further charges from XXXX.
On XXXX of this year XXXX I was surprised to see on my credit report that on the XXXX of XXXX XXXX they have sent me to collection for the amount of {$370.00}. I have no idea where this amount came from nor have I received any notice about it.
Hope you can help me sort it out and maybe get this off my credit report since it did impact it significantly.
Thank you so much and have a wonderful day
|
| 02/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received alerts from XX/XX/XXXX and XXXX that Southwest Credit Systems opened an account and reported to the 3 bureaus fraudulent information. They remarked my credit file stating that an account for 11-XXXX was set up as new account on XX/XX/XXXX. This issue was already disputed back in XXXX and XXXX through certified mail and was removed from my report because of fraud. This debt does not belong to me. This creditor Southwest Credit Systems has opened a new account and added {$1.00} to the previous account reported. The item that was originally removed in XXXX was under XXXX XXXX for {$400.00} and was removed. Southwest Credit Systems is reporting {$400.00} to all three bureaus.
|
| 07/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 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. This account has been paid in full per an IRS representative, I spoke with the IRS and the representative stated that XXXX XXXX XXXX XXXX has reported this account as a charge-off and that XXXX XXXX was obligated to send me a 1099C form. I have called XXXX XXXX XXXX XXXX and have written them several times to no avail Has this company sent me this documentation?
|
| 11/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I checked my credit about 2 years ago and found a collections for XXXX. I called and the conclusion of the conversation was that this was not my bill. I never lived in the address that the service was provided, and so it was taken of my credit. I checked my credit on XXXX XXXX and there it was again, but now it 's Southwest Credit. I tried phoning but it said that this number was not taking calls right now. I deputed the debt with XXXX and was told that this is a correct debt and I owe the amount. The funny thing is I never received any kind of collection bill from Southwest Credit until I desputed the debt and then within 1 week of the result from XXXX I received the first bill.
|
| 06/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am contacting you regarding some fraudulent accounts appearing in my credit file.
I have recently become a victim of identity theft. MY PASSPORT and wallet and pertinent files were lost in the airport upon moving cross country. Once I noticed the account was placed on my account I immediately contacted the credit with several attempts to validate the debt. I have filed FTC identity theft report as weak.. The accounts in question are : 11 XXXX obtained by a credit collector ( XXXX XXXX XXXX ) - {$260.00} filed XX/XX/XXXX AND XXXX XXXX XXXX - ( XXXX-XXXX ) - {$220.00} XX/XX/XXXX these are not my accounts. Please remove these items from my credit report.
Sincerely, XXXX XXXX
|
| 02/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The ORIGINAL debtor is listed as XXXX They DO NOT have MY consent nor signature for that ORIGINAL account or contract in question. That same {$340.00} balance has been placed and removed from my credit file twice by different collection agencies and has now been placed on my file AGAIN yesterday YET AGAIN dropping my score OVER 100 points across the board. Southwest credit systems is in violation and Im seeking the fullest punishment possible. XXXX is the account they placed on my file which IS NOT mine. LASTLY, I have spoken with XXXX ( WHO I CURRENTLY HAVE SERVICE WITH ) and they verified that its no way I can have an account in collections with them & have a current account.
|
| 10/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I was never sent a letter by Southwest Credit Systems ( XXXX ) XXXX for any debt. Yet they entered a collection for XXXX dollars. I paid this debt, and they have refused to provide me a receipt of payment. It is also still on my credit. They called me again today stating I had another debt, from a company I have never done business with and did not provide proof. I paid it, and again they refused to provide me a receipt of payment. In the past they would call me at all hours of the day and night and used multiple phone numbers to do so. At XXXX pony they were rude and abusive after I refused to pay them using my VA XXXX income. I finally caved and used that income to pay them.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried multiple times to dispute with XXXX and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt. All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it. Please help me with this collection as it is hindering my credit score.
I am providing you permission on my behalf to have this frivolous debt deleted immediately!
The creditor has not been able to provide proof of my signature or contract.
PLEASE DELETE
|
| 02/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX erroneously submitted my account to a collections company ( Southwest Credit Systems ) about an amount that I did not owe ( i.e., unreturned equipment and early termination fee for home security ). I returned the equipment and did n't terminate my home security contract as I transferred service due to moving. This is all well documented. Southwest Credit Systems called me several times, including at work and I asked them to stop. In addition, I told them that I was disputing the charges. They indicated that they were looking into it. Well, they are still persisting in trying to collect for an amount that I do not owe via letter after I told them that this was in error.
|
| 10/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Recently, I was notified that I needed to check my XXXX account. When I did, I learned that a Southwest Credit Systems, L.P. had reported me twice for an account that was previously PAID ( XXXX XXXX XXXX XXXX year 's ago in the amount of {$230.00}. I am DISPUTING, this reporting to my consumer credit file ( s ). I was NOT contacted prior to these reporting 's for the exact same account. I will fax any and all supporting documentation. Any information shared with the Consumer Financial Protection Bureau will be strictly for the purpose of this complaint " only ''! The company 's aren't authorized to use any personal information outside of this complaint.Coleman @ XXXX ....
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
|
| 07/08/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been XXXX months and no information given. No medical release to collect on this debt either
|
| 03/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have an account with a collection agency named SW credit systems that was placed on XX/XX/2018. Account # XXXX. This account is apparently a satellite dish service that does not belong to me. The original creditor lists as XXXX. I have never had satelite services.The account is showing a balance of {$720.00}. I have disputed this twice now. The only response I have ever received is a bill. I have asked for original documents that I would have signed or a copy of my identification. The only thing I have ever received back was a bill and them stating the account has been verified. If there is anything you can do to assist me in the matter I would greatly appreciate it.
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A year ago a debt collector put an account that belonged to my father with the same name as me on my report I had it resolved by sending in all info they needed with his SS # number to have it removed. Now a year later another company has the debt and contracted me on the matter. I disputed the false information with them and ask for a debt validation on XX/XX/22 which they failed to do so. I contacted XXXX again about this debt and verified it was my fathers with his SS # on it. I called up the debt company and they told me its my SS # on it but wont show any documents to back it up and refuse to validate the debt. Now my credit has went down a lot over this matter.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This complaint is against Southwest Credit, XXXX XXXX XXXX, XXXX, TX, XXXX They are repeatedly attempting to collect a debt which has been successfully disputed three times, and is not a valid debt. In addition, they are reporting this as a collection to the credit bureaus and have been doing so since before they even contacted me. Therefore they did not send me the required notices prior to the reporting, even though they obviously had my current address at the time.
I have repeatedly asked them to provide me with the response letters to those three previous disputes, but they have refused and instead send me copies of old bills - which were successfully disputed!
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.
XXXX XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX XXXX XXXX XXXX Open date XXXX XX/XX/XXXX Sw crdit systmes inc Open date XXXX XX/XX/XXXX Enclosed is a copy of my Identity Theft Report, supporting my position.
|
| 02/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.
|
| 06/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
In reference to complaint number XXXX. Company lied in their response about not receiving my Permanent Change of Station ( PCS ) travel orders ; I sent a copy of the travel orders to XXXX when I had to cancel the internet and cable service at my residence in XXXX. So Im submitting a new complaint to expose their lies with a copy of my PCS travel orders attached to this complaint. The early termination fee is not owed and the company fails to acknowledge that the debt is invalid. They refuse to take steps to remove the derogatory remark from my credit report and acknowledge that the debt is invalid. So lets see what ridiculous response XXXX comes up with this time ...
|
| 06/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX turned an account that was fraudulent to XXXX collection agency. This appeared on my credit report and I immediately disputed it with all three credit bureaus. It was removed and deemed fraudulent.
This balance has now been reported under a new name of SouthWest Credit Systems , L.P . I have disputed it again with all three credit bureaus. It has been removed by all but XXXX.
XXXX is required a FTC report to remove this debt.
I never entered into an account with XXXX, XXXX or SouthWest Credit Systems. This balance does NOT belong on my credit report. Please review and provide the FTC report XXXX is requesting so I can submit it to them.
Thank you so much!
|
| 10/13/2015 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I began receiving daily phone calls from XXXX ( a New Jersey number ) on XXXX. This is a number I do not recognize, and when I pick up the phone the response is silence even after waiting a few moments. I looked up the phone number online and apparently the phone number is coming from a company called Southwest Credit Systems but I have no confirmation of this directly as no one speaks on the phone when I answer the call. So far the phone calls have occurred on XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
It appears this company is a collections agency. I checked all XXXX credit bureaus and all of my bills are paid in full with no issues.
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I tried to contact this collection company, Southwest Credit in reference to XXXX XXXX XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {XXXX} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.
|
| 03/17/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX
|
| 07/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 06/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems continues its attempts to collect a debt that I have disputed multiple times with them and 9 other collection agencies representing t-mobile before them.
I was never mailed a notice that they were attempting to collect a debt from me. I first saw this on my credit report and immediately filed a written dispute notice with their company.
The second time it was disputed when they called me and violated the written request for a do not call order and to have all communications in writing.
I sent a third request through credit agencies XXXX months ago and have not received a response but they are still actively pursuing a false debt!!!
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have contacted SW CREDIT regarding account ASSOCIATED WITH XXXX on 3 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have faile to validate according to law. This collection company is damaging my credit file and cant provide legal proof. I have also informed them that I am a victim of identity theft and this account is a result of identity theft. There is no contract and furthermore I have not had any dealings with SwCredit nor the company XXXX it represents.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Left a derogatory public record on my XXXX Credit Report. Southwest Credit System left a closed account of {$290.00} dollars. I called XXXX to file a dispute, to which they told me that the derogatory record is correct. I then called Southwest Credit System to have this removed, to which they told me that I still need to pay the closed account, even though IT IS NOT ME. I explained to them that I was born in XXXX, and it is physically impossible for me to have made an account with them during the time it was made. Ask them when that XXXX account was opened and compare it to my date of birth. The numbers do not add up. I was a minor when the account was opened.
|
| 01/25/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have continued for weeks calling Southwest Credit Systems to get the fraudulent account that was set up in my name cleared from collections. I have spoken to Southwest on two occasions to verify I have a fraudulent account. They have confirmed that I do have an account, every time I get transferred to the fraud department there is only an answering machine. I have left dozens of messages with the fraud department and they have not called me back. I am trying to get all XXXX credit companies to clear this collection account that was not made by me. I am unable to do so because Southwest collections will not work with me, or call me to work this situation out.
|
| 09/26/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Southwest Credit Systems are reporting XXXX account balances I have from XXXX. XXXX balance is {$810.00} and XXXX balance is {$610.00}. I want to pay XXXX balances in full. In exchange, I would like SCS to remove these accounts from my credit report. As I understand, reporting to credit bureaus is voluntary and the company has the discretion to remove the entry. Since there is no law requiring the entries on my report, I think removing them immediately after I pay the balances in full is fair. The account for the {$810.00} is now time barred. The statute of limitations has run out on being able to collect it. I still want to pay it if the entries are removed.
|
| 03/02/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX {$620.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX XXXX credit card. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced.
Southwest Credit Systems/XXXX {$1000.00} balance updated XX/XX/2023. No action taken. I have been advising for years that I have never owned a XXXX device. They are updating this on my credit report as current and accurate information. I have been asking for the creditor to provide proof that they have an application with my signature and no application has been produced.
|
| 01/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Originally I was dissatisfied with service from XXXX internet service. Could never get anyone on phone. Eventually stopped paying. They sent it to collection with Southwest Credit. I wrote to XXXX XX/XX/XXXX explaining. Contacted Southwest Credit XX/XX/XXXX and we negotiated and I paid agreed amount. Now do not owe anything but Southwest Credit refuses to clear me resulting in a poor credit score as they have a " no deletion policy ''. This is bogus because although the account has been cleared this sits out there affecting my credit score and I want to refinance while rates are low. I am being adversely punished for something that has been taken care of.
|
| 10/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/22. I attempted to get information from Southwest credit systems. The representative was very rude yelling over me requesting verification of this said debt and a signed contract with my name and wet signature as I was attempting to speak and reading the fair credit reporting law. I requested a supervisor in did the same and stated I was not a real person. They asked who I was and I gave them that information. I again stated the law to them and that it was a violation of the law to report on my credit without having a contract with me directly. He or she then hung up the phone on me. I attempted to call back and the same action I was hung up on.
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX Attention : XXXX Full Name : XXXX XXXX Full Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX Social Security : XXXX Email : XXXX Reasons : I would like all of my unauthorized accounts, my deragtory remarks. Many of these accounts fall under the statue of limitations or are misreporting on my credit report.
Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat.2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C 1681 ( " FCRA '' ) Account Name : XXXX Account XXXX XXXX Filed : XXXX XXXX Type of Account : Collection XXXX XXXX XXXX XXXX, TX XXXX Phone:XXXX Reason : THIS IS INACCURATE
|
| 07/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed a debt from XXXX XXXX XXXX that had been sold to the debt collector Southwest Credit. I wrote a letter requesting written verification of the actual amount owed, as XXXX XXXX XXXX had added several hundred dollars to the bill in unauthorized services. I received a letter XXXX/XXXX/XXXX from a XXXX XXXX at Southwest Credit providing no written verification of the debt, only their promise that is verified and that they wanted the full balance immediately. I will not be paying anything without written verification and I have submitted a second written request for the written verification that they are legally obligated to provide upon my request.
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit put an old XXXX XXXX account on my credit report for the 3rd and last time. Its harassment. This company has removed this debt off my credit 2 times already. They committed illegal actions and can not prove to me that they have a right to collect a debt from me that I do not owe. XXXX told me that since I moved during XXXX that they definitely did not give Southwest credit permission to harass me. I have not been in contact with this company but want them to prove they have the right to collect from me when I dont owe them. This company is harassing me and its illegal to do this. They have caused my credit score to drop by XXXX points.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To Whom it May Concern, I am writing this letter in regards to a collection that is on my credit report. It seem that this collection account is being passed around and I have submitted several letters to resolve this issue.
The creditor is SOUTHWEST CREDIT SYSTEMS, L.P. for XXXX XXXXXXXX XXXX. I don't own and have never had an account with this company. I am asking for this account to be removed from my account. I have filed an report with the FTC about this report and they have listed it as a fraud on my account. This was placed on my XXXX report on XX/XX/2018. Please see attach fraud document. I have sent this information to the credit bureau also.
|
| 07/01/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked Southwest Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 10/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I called XXXX XXXX on XX/XX/XXXX and paid the account balance in full which was XXXX . I made two payments which were XXXX $ and a XXXX $ payment totaling at XXXX . I have called repeatedly South West Credit Solutions and have tried to verify this information and Ive given them all my reference numbers and still nothing has happened. XXXX XXXX also sent them a form on my behalf on XX/XX/XXXX stating that I did in fact pay the balance in full and no longer have an account or a balance with XXXX. Its been a month and South West is not doing anything about it and I need this taken off my credit report as I was assured that it would be. I need help please.
|
| 12/14/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I took a XXXX like in which i have 2 mobile. 1 for my wife and 1 for me. We paid the bill in full and all the devices are unlocked and i have a written email confirmation saying that my devices are unlocked. All this happened in 2019. After couple of years i started calls saying that i my XXXX file is sent to collections and i tried to tell them that is not the case but still they are asking me to settle saying that i didn't pay for devices. My XXXX XXXX account is monthly paid account and if i didn't pay a single month bill they should have stopped my services but they reached out to years after i moved to a different carrier saying that i owe XXXX $
|
| 08/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i paid off 2 collections in XXXX of XXXX one of them being an old apartment. the second being south west credit systems ( XXXX ).
me and my fiance had joint accounts with both. he paid them off and they both fell off our XXXX XXXX. since beginning of XXXX XXXX has been added back to our collections as if we never paid it off. i disputed it once & it was fine. it came back not even a few months later. tried to dispute again and XXXX XXXX emailed me saying the information was correct and they couldnt dispute it. which is obviously not true. that collection was settled, they continue to hurt our credit even though its been paid off for almost 2 years.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XX/XX/2023 I filed a dispute with the company due to me trying to pay this bill when I lived at the complex but I did not Receive the money I was suppose to get from the rent relief program in Mississippi as I was suppose to ..I sent multiple messages to the rent relief reps with no help at all for the situation so I had to leave the complex I can not find a home due to this being on my credit now and its not fair that I have to pay all of this at once in order for it to come off of my credit so due to this Im XXXX I received no letters about being in collection I just recently found out when I tried to apply for a complex and was denied due to this
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I am filing the complaint as I was alerted to a new collection reporting to the bureaus via my credit monitoring site for {$180.00} on XX/XX/22 and that I received no communication via USPS or phone attempts prior to it hitting my credit. I reached out to the collector who advised they would delete their collection with payment, with that understanding I then paid. However, my grievance is due to the fact they only updated the collection to paid status with the bureaus when it was paid with the intent and understanding it would be deleted with payment. Due to erroneous & misleading collection practices I would like the collection removed post-haste.
|
| 10/19/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I opened and account with XXXX with a 30 day money back guarantee. I did n't end up using the account and closed with-in the 30day trial period. When I called to cancel, the agent i spoke with explicitly told me that, given i was cancelling with-in the trial period i will not be billed.
I was billed and upon contacting XXXX the agent politely informed me that i do n't have to pay anything as i canceled in the trial period.
Now they have handed over my account to debt collection who keep calling me every day. I have reached out to XXXX and they have no clue why there is any collection call. The whole fiasco is a testament to poor management at XXXX
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A year or so back I was continuously getting false reportings on my credit report for {$280.00} for XXXX XXXX. I have never a day in my life had XXXX XXXX services. It finally took writing to consumerfinance to get it off my credit report because disputing it through XXXX kept coming back that the account was mine even though it was not.
Now, I have received another collections on my account from XXXX XXXX XXXX who is through who?? XXXX XXXX. This company is changing the company I apparently owe and continuously trying to come after me for a debt that I definitely do not owe. I did not forget that they already tried this a couple of years ago.
|
| 12/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection.
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled.
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID.
I want this removed from collections and I want southwest to delete it from my credit file.
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XXXX2017 I received a letter from southwest credit stating a debt of {$170.00}, I then had 30 days to dispute the debt in which I did. I sent a certified letter via USPS on XX/XX/XXXX along with a debt validation letter. On XX/XX/XXXX my credit report then reported a debt of {$170.00} and I received a letter from southwest with a copy of a cable bill on XX/XX/XXXX. This violates FCRA guidelines, for record this transmittal has been screen shot and will be submitted to my attorney as well as fox5 for deceptive credit practices.
I have no business or relationship dealings with Southwest and have no signed agreement or contract with this company.
|
| 10/25/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am XXXX, so therefore I have not been contacted by this company, nor is it set up to answer a XXXX call. I was hung up on earlier when using my web based XXXX. Textbook discrimination. The credit report states that I owe XXXX {$290.00} dollars. This is not my debt. I do not owe this money. I only found out about this via XXXX and XXXX when checking my credit report. This is a classic case of fraud and debt scavenging. I have also reported this company to the XXXX and I have also sent it to my lawyer. There is no verification of this debt, nor have I had any contact with this company until seeing this blip on my credit report earlier this month.
|
| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed my account with t-mobile and returned the equipment. I got a bill from t-mobile with a XXXX USD balance on XX/XX/2023. I disputed this bill and provided proof of the return of the equipment and also submitted a complaint with the FCC ( ticket no XXXX ).
On XX/XX/2023 t-mobile sent me the adjusted bill showing a XXXX USD balance ( scan attached ).
A debt collector that identifies themselves as South West Credit called me on XX/XX/2023 on XXXX XXXX XXXX asking me to pay an amount of XXXX USD that I owe XXXX. I explain that I don't owe them anything and I got an adjusted bill. I feel I'm harassed and I would request your intervention.
|
| 11/21/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest credit Collectors ( https : //www.swcconsumer.com/ ) has repeatedly called me even multiple time per day, and has called others associated with me identifying themselves as a debt collector. I have spoken with the several times and identified myself, but they would not identify the entity that I own money nor would they tell me the amount. After multiple attempot by me to get this information from them I told them to no longer contact me via phone or any other means. Yet they continue to call me and have expanded their phone calls to my relatives and associates. I again told them not to contact me except by filing a court case today.
|
| 10/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me. I have also received a collection in the mail saying that I owe money but it does not state that I have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
|
| 10/24/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a letter out to the collections agency in regards to a debt on XXXX XXXX by certified mail after receiving insufficient proof in regards to a debt that isnt mine. I wrote the debt collector to let them know that they have failed to provide proof of ownership. I was only sent a billing statement with no breakdown of what this money was for or anything that proves that I am the one that owes this debt. This has caused me financial distress because I am unable to obtain credit because of this collection that doesnt belong to me. 15 usc 1692 a ( 6 ) states that under written request, I, the consumer can request validation of alleged debt.
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Dear FTC, XXXX, XXXX, XXXX and XXXX I was sent a letter from XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, TX XXXX. Saying I owe them XXXX and if I do not pay it? It will be sent to the credit agencies and ruin my Credit??? They say I owe XXXX this money! I called XXXX and I owe NOTHING, ZERO! This is scam! They are making this up and trying to ruin my credit. XXXX stated, when I called them, that they will send a letter stating I owe them NOTHING! This is a crying shame that they can do this too people.I do not want that FAKE information to be added to my credit report. This should be a crime?
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX XXXX
|
| 08/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I first received a letter from Southwest Credit Systems, L.P. on XX/XX/2022 however I did not recognize the debt because I know I owe nothing to XXXX as I never used their services and returned the phone back to them without using it. They told me I wouldnt be charged and at the time I believed them. I sent out a cease and desist letter to Southwest Credit System , L.P. on the same day when I received the letter but that didnt stop them from mailing me for the second time today dated XX/XX/2022, attempting to collect my debt again after I have requested for them to refrain from contacting me. I have all evidence that you may need included.
|
| 03/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I Had an account with XXXX for over 12 years. Their service began to wain, so I switched carriers. My account at that time was in good standing and had not been under contract for many years. I paid the balance from the store of my new carrier when they swapped my number to the new phone. A few years later I began getting calls saying I owed them money. They have refused to provide proof. After a few collection agencies, it was sent to Southwest Credit Systems. I told them I don't owe them money and I'm not going to pay. they made calls to a few family members threatening " legal action '' and continue to call me after I told them to stop.
|
| 04/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Good day, I been trying to fix this collection thats affecting my credit for a while. I tried contacting the collectors company and they will not tell me where or what is the debt about. I also disputed it with XXXX but Im still waiting for answers. My identity was already stolen once when I was XXXX over XXXX, I tried to explain that to the company but the will not help me or lead me anywhere. Please if anyone can help me. Im about to get XXXX XXXX from the XXXX and I need my credit to get fixed in other to buy a house for my family and I. If anyone can lead me anywhere please feel free to call me. XXXX Thank you and please be blessed!
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX I received an alert that a new account had been added to my credit report. I immediately disputed with all three credit agencies and sent out a debt validation letter to XXXX XXXX. One week later I receive a print out on their letter head ( unacceptable since this is not my debt ) XXXX deleted the account but XXXX and XXXX did n't budge. The last name on the account is XXXX ( not my name ) I never received a dunning letter, a phone call, a bill Nothing. Just a surprise account that was previously deleted because the collection agency before could not validate this bill. This has caused tremendous backlash on my credit report.
|
| 07/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a letter on XX/XX/18 that I owed {$670.00} to a XXXX company. I had no idea what this was until I XXXX the name. Its a satellite internet company. The address on the letter was not my address and I have never had satellite internet where I live. I then sent a debt validatation letter through certified mail on XX/XX/18 with a return receipt that was accepted on XX/XX/18. I still have not heard anything and we are in the end of XXXX. I am concerned because this is not my debt and this company refuses to give me proof. From the laws and speaking to my attorney they had 30 days to respond. It has almost been 90 with no response.
|
| 04/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX I received a debt collection for a debt I do n't not owe for XXXX from Southwest Credit. I called Sourhwest an d spoke to representative stating I do not owe this debt this account was removed from my credit in XXXX and added back on without my knowledge. I disputed this debt with XXXX and included receipt from XXXX for cable equipment that was given back to them and was picked up by a XXXX Technician on XXXX . The representative told me to fax the receipt to them which I did and this debt is still showing on my credit as an open account. No one has contacted me in response to my fax on XXXX XXXX XXXX .
|
| 09/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
Attached is a document showing the offer that was given to me. I clearly chose and accepted option A and made payment as requested in the full amount of offer. I also attached a document showing where and how payment was made in the amount of {$330.00} on or about XXXX XXXX. Payment was made on Southwest Credit online payment center.
Today I received a phone call from Southwest Credit stating they are calling to collect a debt!!! I told him about the offer and what I paid and my account is now resolved. I dont know what XXXX and Southwest Credit are doing but they need to get their act together. He went silent and I hung up the phone.
|
| 09/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
SWC stated, SWC will honor Ms. XXXX cease and desist request and will no longer contact her regarding this matter. But they are still indirectly communicating with XXXX regarding my consumer report without my consent. Thats another violation. Not to mention, they said they would honor my cease and desist request, which included my remedy for the damages. I have yet to receive or hear anything. Ive sent emails to XXXX regarding this matter but SWC are refusing to honor my cease and desist entirely. Again, you can not pick and choose what to honor from it. I demand monetary relief for the injuries and I will not stop until I am relieved.
|
| 02/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I took a phone out with XX/XX/XXXX, paid the phone off completely months early and got the phone unlocked. I made sure that I had no balance left. Months laters after receiving no notice I had a collection account from SOUTHWEST CREDIT SYSTEM saying I owed XX/XX/XXXX {$85.00}. I called XXXX and they said I did pay off the phone and got it unlocked but I had another bill of {$85.00} due because I wasn't charge for last month when I paid the phone off and got it unlocked. The rep I spoke with when I paid the phone off never told me this but anyway I paid it and they said the collection would be removed and it still has not been removed.
|
| 03/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This debt was not verified. Ive tried reaching out to this company and tried asking them to validate the debt. They could not. I only received a bill. Nothing that Ive signed, a contract, dates, just a bill but no actual validation. The original owner of this debt is XXXX Ive contacted XXXX via phone and they were not able to locate my account or give me a balance that was owed. I went in store as well but again, they were not able to validate this debt. How is it that the debt collector can claim I owe XXXX dollars with no validation, but the original company can not locate my files? There is no signature, no breakdown of this debt.
|
| 05/11/2016 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked South West Credit Systems to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 08/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems has violated several of my consumer rights. Specifically, they have failed to validate a debt at my request, which is a FDCPA violation, and have continued to report a disputed debt to the Credit Bureau ; another FCRA violation.
Three certified letters were sent and received by the company requesting debt validation and they have failed to produce evidence of a contract bearing my signature and proof that the debt is valid.
Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/2022 Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XX/XX/20XXXX XXXX
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The information being reported on my credit report is incorrect and the debt does not belong to me. Amongst my many attempts to resolve this issue with the proceeding companies, no progress has been made in lieu of providing the proper documentation, bearing my signature, proving my involvement with the debt being reported. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.
|
| 11/17/2022 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a debt collection letter from Southwest Credit XXXX for XXXX violations that were supposedly obtained in the XXXX XXXX XXXX XXXX XXXX The fee 's are for {$58.00} and {$56.00}. No notice from XXXX or XXXX was sent to me for these violations, as they should before submitting to a debt collection service. I have not used XXXX XXXX since the summer of XXXX and any fine 's attached to the vehicle in question were paid in FULL directly to the XXXX to resolve suspension of the registration. This vehicle has not been in my possession since the summer of XXXX due to it being totaled in a roll over accident in the winter of XXXX.
|
| 07/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020 a collection letter was sent to me by Southwest Credit Systems add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Southwest credit systems has violated my rights as a consumer and I'm requesting legal action to remove this account legally
|
| 01/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In my credit an account appeared in collection from XXXX and that is being charged by the agency SOUTHWEST CREDIT SYSTEMS ".
I contacted the agency on XX/XX/2022, to find out about this " debt '' and the person who assisted me was not able to find an account with my name in the system, the person made several searches using my first and last name, my phone number and my personal address but was not able to find a collection account under my name.
I asked this person for information on why there is a fake account under my name and they hung up the phone on me. I made several more calls and the person kept hanging up the phone.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Three times over the last four years a collection agency has placed a charge of {$690.00}, the original creditor was XXXX. This was a debt of identity theft. I did not live at the address of service ; I don't know anyone who lives at the address of service and I did not authorize the service.
The current collection agency is Southwest Credit Systems, LP. They reported the charge to XXXX on XX/XX/2018. I wrote them a letter on XX/XX/2018, to dispute the debt.
At the request a former collection agency I reported the identity theft to XXXX XXXX police.
I currently have a valid XXXX account that I have had for the past 18 years.
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I got a copy of my credit report and noticed a negative reporting from an unknown company ( Southwest Credit ) I disputed this debt with the credit bureau, because I do not know of this debt, who its from, when account was opened, and even if it is indeed my debt. I never received a debt collection letter from Southwest Credit giving me a chance to dispute or verify the debt, before they went and reported negatively on my credit report.
Where did this debt come from, when was the account opened, where was correspondence sent regarding this debt, who is the original creditor, and I would like proof ( application, signed by me ).
|
| 03/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I moved into my house and had XXXX Install home phone and internet service In my home within the last week I have received 8 phone calls From the same debt collection company south west credit Asking for a woman I do not know.
I 've returned all 8 phone calls this week and have told them Not to call I do n't know who the woman is that they keep calling and asking for.
I have repeatedly advised the caller of the fdcpa and I get a call 2 hours later from the same debt collection company but from a different phone number.
Several times the all is a automated robotic voice again from The same company but using a different number.
|
| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX has been harassing me since XXXX. They have gone through 6 different debt collection agencies, ( even using 2 different companies at the same time in XXXX ), to put derogatory remarks on my credit report, when I did not use their services. I have even had to file a police report, showing that I didn't use their services. They deleted themselves from my report, and later filed again, using a different agency. They also flag my credit every 3-5 days. Even after reaching out to prove that I haven't used their services, and being told that they would leave me alone, they still continue to harass me. I have attached data below.
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
South west credit system from the phone # XXXX ( XXXX ) XXXX has started calling me and asking my personal information without providing me any information whom they calling to, about what, and who they are. For obvious reasons I have denied provide them any information and advised that they can lookup public records for information they looking for. I have strongly believe that they either a scam or trying to collect a scam as I dont own any debt that Ive know about, not I have received any pas due date bill from anyone. I have advised them that their cold calling calls asking for personal information has a harassment nature.
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I woke up Thursday, XX/XX/2021, to an email saying I had something negatively impacting my credit score. I open XXXX to see I have a {$660.00} collection from Southwest Credit Systems that was opened XX/XX/2021.
I literally have not even spent that much money in over a year nor do I have any accounts open on anything. I live at home with my parents why I do not have a single bill to pay.
I never received a letter in the mail, I never received a phone call, and I never received any type of notification if this collection was even real.
I decided to dispute this over XXXX recommended system and nothing has been resolved yet.
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was never informed that this alleged debt was being reported on my files nor was i informed that I owed this debt or that a collection agency was going to be claiming that I owed this debt! I do not owe this money and this is to be removed from my report within 30 days! According to the FCRA I was to be notified that there was a balance and informed that this agency would be collecting a debt from me! I was never NEVER informed of this debt so in accordance with FCRA This is not a valid report and is illegal to report this to any agency! If it is not removed from my file I will file a lawsuit in regards to A FCRA violation!
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems is falsely reporting a collection on my credit report. They have refused to provide proof of a legibly contract with my signature and correct identification. This is a direct violation of my FCRA and FDCPA laws. They are not authorized or bonded to practice collection practices in the state of Illinois. They are illegally trying to collect a debt that does not belong to me.
I never asked for a printout copy of a bill. I never asked for billing statements. They are unable to provide an original contract with my direct signature agreeing to finance terms Direct with Southwest Credit Systems L.P. only!
|
| 01/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm in the process of trying to repair my credit and I came across this account which isn't mine. So I sent in a letter for validation as the begin process of cleaning up my file. I'm disputing and that was back in XXXX of 2019. I recieved no response back. Attached is a copy of the validation letter I sent. This account is not mine and I need proof : original copy of contract, signature and social, proof to collect in my state, Assignment clause, Notarized letter of debt purchase and signed contract from original creditor. As per the fair credit reporting act I'm within my rights to have this completed in a timely fashion.
|
| 11/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have no legal liabilities to the collection company. The amount indicated in the report was already paid to the original creditor. The continuous reporting of this erroneous information on my credit report has been hurting my credit score massively and this is no longer acceptable. Documents and anything of its like should be presented for me to review the accuracy of your investigation. Failure to provide my request should result to the deletion of this account abruptly.
|
| 03/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt from Southwest Credit Systems on behalf of XXXX is past the statute of limitations for Michigan as it is over 6 years old. This is the third debt collector to have held this debt, and now it's stated that the account was started this past XXXX, dropping my score XXXX points. Please note that this occurred at a time when I had achieved a 600 or above credit score for the first time in my XXXX XXXX XXXX life. I have a {$6000.00} land contract to pay off, and I make $ XXXX. I can't even get a personal loan for that because of these companies practicing deceitful tactics like this, and my house is worth almost XXXX.
|
| 05/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX XXXX today I received a notification on my email saying that I had a credit coletor on my credit report when I verified the information shows Southwest Credit System I dont have any account with southwest credit system I wasnt never advised of anything I didnt received anything from them so I dont know who they are why they are reporting something that Im not aware of it and they only think I could see was the amount of XXXX. Im a Texas resident abs I never had anything for XXXX I need to know who is using my information and why I never was contacted and never received anything this is very suspicious
|
| 06/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The aforementioned credit collection agency representing XXXX violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX , XXXX and XXXX . The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
|
| 07/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Southwest Credit Systems, L.P. at XXXX XXXX XXXX, XXXX, TX, XXXX, has falsely reported to XXXX that I did not compensate XXXX for the amount of {$170.00} for service rendered between XX/XX/XXXX to XX/XX/XXXX at an address at which I have never resided. When informed of this collection activity, I called Southwest Credit Systems, explained I was unaware of and not responsible for charges at an address I knew nothing about. I was told at that time they would inform XXXX that I was likely a victim of identity theft, and the charges would be dropped. Instead, I find they have reported it as an unpaid collection item to XXXX.
|
| 09/27/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems L.P. a appear on my XXXX credit report, which i have reached out to the company to rectify the problem because i am not and have n't done any business with XXXX for quit sometime. the account in question belong someone from XXXX NJ I was also told the SSN was different.. That 's what i was told when i initiated an investigation. I would for both XXXX and Southwest Credit Systems to stop all collection efforts. and to instruct the credit bureau to delete it from my credit file. Its important to note i have NEVER lived in XXXX NJ. and i was told that the account also had a SSN which was not mine.
|
| 10/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021, Southwest Credit System Inc., placed a collection under my name and social security # in all 3 Credit Bureaus in the amount of {$610.00}. The information that was submitted by this company reduce my Credit Score in all 3 Bureaus by nearly 100pts. As a result, this matter has caused me a great deal of XXXX XXXX to the point that I am finding it hard to concentrate, i am having on & off XXXX XXXX, XXXX and XXXX XXXX. Please note that I have received an official letter of notice of my right to dispute this amount prior to this company placing this information in my Credit Report.
Thank you.
XXXX XXXX
|
| 05/01/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased.
This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Base on your last reply, you sent breakdown of debt/charges. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my SIGNATURE from T-Mobile. A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days. Sincerely.
|
| 01/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, Sw Crdt Sys ( SW CREDIT SYSTEMS INC. ) has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
|
| 03/31/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
Servicemember |
|
Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.
|
| 04/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
I started getting phone calls from Southwest Credit Systems in XX/XX/XXXX. The man who called me told me I owed {$640.00}. I asked who I owe and was told XXXX. I told him that amount was not right and I only owed {$110.00}. I also told him that I had not received anything from them. I did get a letter with a reference number and dated XX/XX/XXXX. It stated as of XX/XX/XXXX I owed XXXX and being charged {$260.00} in fees for a total of {$640.00}. Those amounts are incorrect! The math is wrong. The last time I spoke to someone I told him I didn't owe him anything and quit calling me. Then they put it on my credit.
|
| 03/29/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.
|
| 09/27/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
closed account with XXXX XXXX company for home at XXXX XXXX XXXX XXXX, XXXX started new services at XXXX XXXX XXXX XXXX XXXX XXXX service there form XXXX XXXX on my credit report a collection debt from Southwest Credit Systems , LP account number XXXX for amount of {$630.00} open date XXXX XXXX collecting for XXXX XXXX Company for home on XXXX XXXX XXXX that i closed in XXXX how can the collection company use a XXXX date to make it seem like its a new debt when it was a XXXX debt just want the collection company to have a date the account was closed and give me the legal statute that a debt can stay om my report
|
| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am writing to dispute certain inaccurate information that is appearing on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ), specifically under Section 611 ( a ) ( 1 ), Section 611 ( a ) ( 2 ), Section 611 ( a ) ( 5 ), Section 611 ( a ) ( 6 ), and Section 611 ( b ). Upon careful review, I have identified multiple inaccuracies in the reported account information. I kindly request a thorough investigation to rectify these errors, permanently delete the accounts from my credit report, refrain from selling this inaccurate information, and ensure its removal from any secondary credit bureaus.
|
| 06/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I was led to believe that by a representative of the collection company that when i paid the collection that it would be removed from my credit report with the three credit bureaus and it hasn't been. The collection never shouldve been on my report to begin with as the bill was mailed to the wrong address. Please help me get this resolved. I have tried disputing it with the credit bureaus but it still remains. I am trying to get a home loan and this negative mark is drastically effecting my ability to get the best rates. Please help me resolve this issue as it should not have been on my report to begin with.
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX is reporting inaccurate information on my credit file regarding a credit card from seven years ago. The balance and account numbers is showing different amounts on each credit bureau report. I have asked this company to send proof that this debt belongs to me and each time they just send a copy of a bill that was generated. That does not prove that the debt belongs to me!!!! I want this debt removed from my credit file and for XXXX XXXX to stop contacting me regarding debt ..... Per the FCRA a collection company has to send proof validating debt after it has been requested or debt is not valid!!!
|
| 03/04/2023 |
Yes |
- Debt collection
- Medical debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Southwest credit keeps calling my phone. I spoken to 7 different agents over the last year and have asked them to not contact me anymore after one young lady cussed me out and another man told me that I was being sued. Ive blocked their numbers and theyll call from a different one. 2 months ago I was at work and they called my Phone 4 times after I was silencing because I was on the phone. Its a constant constant bother. Theyll call, I answer, theyll just sit on the phone and not say anything. Theyll say a SSN after I refuse. Give addresses that I dont live at. The last number they contacted me on was XXXX
|
| 03/03/2017 |
Yes |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
XXXX of XXXX is reporting a {$60.00} collection through SouthWestern Credit System accoujt number XXXX. But file belongs to a XXXX who is the principal on account. This was from XX/XX/2014 account still exists for XXXX. The account is under XXXX credit file. I have written and called XXXX but have not been able to speak with anyone. WE are trying to pay the account off, to eliminate negative report, but XXXX refuces to provide evidence account is paid of with a letter addressesed to XXXX even though it shows against her on the credit report. No way to confirm payment as all docuemnetation wouold go to XXXX
|
| 09/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ive reached out to XXXX numerous times and theyve fraudulently added charges and kept a line on my account for years! I sold my XXXX XXXX to a man whom I have messages from validating this sale. Shortly after I sold my watch I called XXXX to remove that line and they NEVER did. Theyve have fraudulently placed this on my credit and Im owed hundreds of dollars from XXXXI only had three lines after selling my watch! On top of that their DATA BREACH included my social security number and I received an alert that my social was on the dark web. This has effected my credit and Im reaching out for legal counsel.
|
| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I have had my XXXX account for years now ; XXXX XXXX XXXX XXXX XXXX is damaging my credit by adding 2 additional accounts on my credit report from two other harassing collection agencies. I REFUSED to pay them because I am a customer of the same company and I feel like this is a scam. This is extremely damaging to my credit and has caused severe hardships with getting the help I need.
report show XXXX group ( XXXX XXXX ) {$530.00} ( XXXX, XXXX XXXX report show Southwest credit systems XXXX XXXX XXXX ) {$570.00} ( reporting only to XXXX ) this account is in collections and it shows as " opened '' status.
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was sent a letter on XX/XX/2021 from the credit debt collection company. They sent to an address that I no longer live at, and the internet service provider would have no way of knowing that old address. The letter was vague and stated an amount of of money I owed, but I never got notification from the parent company about money owed.
I attempted to look for any notification, which I never received. The last time I used the internet service would be several years ago.
After doing some research on the debt collection company a few days later. XX/XX/2021, it appeared to be a scam or unverified company.
|
| 05/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notice from XXXX that I have a collection account. I found that Southwest Credit Group has placed an account on my credit bureau. This account has been disputed with 2 other collection agencies and has been closed. But the creditor, XXXX XXXX, continues to place this account with other agencies.
I am contacting you because I have been adversely affected by this credit reporting but SouthWest Credit Group has failed to notify me of this debt or their action to report this debt. I have received no notice or given the opportunity to dispute this debt. This is clearly a violation of my rights.
|
| 03/03/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
My husband and I are receiving daily calls from Southwest Credit in XXXX, TX asking to verify personal information and saying that they want to collect debt. Because we recently received a mortgage, we have seen our credit records and have no unusual outstanding debt -- other than regular bills and credit cards. We do not want to receive any further calls from Southwest Credit. Because the phone numbers for the calls do not show up on our phone, we can not put this company on the Do Not Call list. And, the return call numbers that it leaves in our voicemail ( on different phones ) is not always the same.
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Around med XXXX I noticed my credit score had dropped a great deal due to a negative report from Southwest Credit. After contacting Southwest Credit i am informed that they are collecting a debt for XXXX and i tell them that i have an acct. with XXXX and it's in good standing. the rep. suggested that i contact t-mobile. After contacting XXXX and informing them of this situation, they confirmed that my acct was current and that there was no debt owed. I've been back and forward with Southwest Credit and XXXX and have no success in resolving this issue while my good mane and credit is wrongfully attacked.
|
| 03/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I received an alert that a collection hit my XXXX and XXXX reports from Southwest Credit Systems. I have not received any previous communication at ALL regarding this amount due. I have sent written requests to this collection agency that has not been responded to. Also, they are reporting a balance of {$330.00} to XXXX and {$190.00} to XXXX. I believe I have given this company enough time to provide information showing how they calculated what they say I owe and to provide copies of paperwork showing I agreed to pay them anything.
Please remove this from my credit reports immediately.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA. A bill without a signature does not imply that the debt is valid, and anyone may submit a bill and claim ownership. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly a violation of the law to placed it for a collection with profit loss write off.
|
| 12/28/2015 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Received XXXX plus calls on cell, work phone, and house phone. First time I answered I asked what this was in reference. They would n't tell unless I verified my social, which I would not do over the phone with some strange company. The second time I asked them to forward the information in the mail. I recieved nothing. The XXXX time I asked them to stop harrassing me at work, home and my cell. Then they continued to call on all three lines almost every day 2 times a day for 6 weeks. I spoke to a supervisor at Southwest credit XXXX XXXX XXXX id # XXXX and asked to stop and asked why it has n't stopped.
|
| 06/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Hello, This account that I am disputing, XXXX has been on my report before and I went through the credit bureaus, and they could not find anything tying me to this debt and it was deleted back in XXXX. A few months ago, I was contacted by the same company, and I told them to contact me by mail. They contacted me by email on XX/XX/XXXX and I wrote them back XX/XX/XXXX asking them to provide proof that I have this debt. They never provided proof and just added this to credit report. I have proof showing that I contacted XXXX during the 30 days for them to provide how I am tied to this debt.
Thank you.
|
| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have disputed this multiple times for multiple items on my report incorrectly added. The creditor would delete the item then either months or in this case they have added it after almost 6 months to a year later but now stating its a brand new collection with a more recent date of last missed payment date. It seems when it reappears on my credit the date they pulace as when it was opened is the most convenient date closest to the time it is added. There is never any consistency with what they place on my reports for the same account.
SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
|
| 11/20/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The Company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was sent a letter offering a settlement the for original debt was {$160.00} I was offered {$100.00} that was paid in full back in XX/XX/XXXX. The company still is reporting that I owe the difference which is {$58.00}.
I have called several times and spoke with 2 agents both said that they it was settled and will fix the issue it never got fixed. The last young lady I spoke with this morning was very ruled and nasty. This debt has been settled, and I would like this balance removed and to appear on my credit reports as paid.
|
| 02/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
XX/XX/XXXX I was informed that I owed a balance of {$150.00} to Southwest Credit Systems L.P. in regards to a debt owed to XXXX XXXX. I had closed the account with XXXX XX/XX/XXXX with all balances paid. I requested that Southwest and XXXX provide verification of the debt and any fees added to the balance, but both companies have failed to respond in a timely manner. I submitted my first request for verification XX/XX/XXXX with follow-up letters XX/XX/XXXX and XX/XX/XXXX. I spoke to a XXXX agent via online chat and they informed me that I owed the debt, but could not provide verification of the debt.
|
| 12/21/2021 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., XXXX, in accordance with XXXX XXXX accord and U.N.C.I.T.R.A.L Conventions.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FCRA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.
However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
this company has violated my consumer rights and caused me and my family finincal harm because of reckless reporting of inaccurate information that they know to be false and misleading, per the fair debt collection practices act section 10006.34 requires a debt collector to provide validation that this account is mine by provide a signed contract that i agrreed to do business with this company and that i owe this aledged amount futhermore 15 usc 6802 obligation with respect to disclosures of personal information i did not give premission and opt out of any personal information be shared with anyone
|
| 12/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm submitting this complaint in reference to Southwest Credit System knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/ proof of alleged debt. Report without valid proper disclosure requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by the FTC u.s c41, et esq
|
| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
SOUTHWEST CREDIT SYS XXXX Balance {$1000.00}
|
| 06/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American |
|
I do not know This amount is listed on my credit report three time for three different companies, these companies are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas XXXX, for the amount of {$350.00}. The last two number provided on this credit report ends in XXXX. The second recording of this amount, Southwest Credit System, XXXX XXXX XXXX, XXXX, Texas XXXX, the last two account number are XXXX and the third listing on this credit report is XXXX XXXX, this account ends in XXXX for the same amount of {$350.00}.
Please remove these items from my credit report. I have a contract on some property.
|
| 11/25/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company.
|
| 06/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SW Credit place on my credit report that I owed {$120.00} from XXXX formally XXXX XXXX. I never received any notice from SW Credit and paid the debt on XXXX because I was told the debt would be removed once payment was received. I contacted XXXX for an itemized bill and they stated they are are unable to provide because XXXX XXXX is no longer. I currently have a XXXX acct, have has XXXX since 2019. When I opened the acct. no one ever told me I had an outstanding balance and I didn't not have to pay a deposit to open my XXXX acct.. Then all of a sudden I have a collection acct on my credit report.
|
| 07/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American, Servicemember |
|
I found a credit report entry concerning a debt owed that I did not know about. I did not receive payment due notices in the mail or I would have paid any amounts owed.
When I called Southwest Credit Systems ( using their telephone number on the credit report ) they told me it was their policy not to remove entries that have been paid in full.
Today, I provided Southwest Credit Systems my address so they can send me information to validate the debt since it appears any debt notice of payments due were mailed to the address of the motorcycle club I used to be a member of and not to my residence.
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I have never entered into contract with this company and requested proof but never received. I need this information verified.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX Correspondence Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Payment Address : Dept of ED / XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Debt Validation Request Account Number : XXXX, {$2100.00}, XX/XX/XXXX.
XXXX, {$1500.00}, XX/XX/XXXX.
XXXX, {$6100.00}, XX/XX/XXXX.
XXXX, {$3600.00}, XX/XX/XXXX Creditor Name : XXXX Original Amount : {$13000.00} Date of Debt : XX/XX/XXXX XXXX
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I DO NOT OWE SOUTH WEST CREDIT SYSTEMS {$2.00} I KEEP DISPUTING THIS. I AM CAUGHT UP IN XXXX BREACH WHICH THEY NEED TO DISPUTE ALL THIS OFF MY CREDIT FOR GOOD, CREDIT MONITORING NOT DOING ANYTHING THEY REALLY NEED TO BE SUED FOR XXXX IF I CAN. I AM NOT GOING FOR NO THATS NOT FAIR TO ME OR ANY OTHER PERSON CAUGHT UP IN THE XXXX XXXX SO THERE IS SOMETHING THAT NEEDS TO BE DONE. YES DISPUTE EVERYTHING ON XXXX XXXX XXXX XXXX XXXX YEAH I APPLIED SOMEBODY STOLE THAT TOO. NOW I CANT GET AN ACCOUNT. ITS GETTING ANNOYING KEEP HARASSING ME OVER DEBT NOT MINE DELETE IT FOR GOOD. FOR I FIND OUT HOW TO SUE
|
| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. SOUTHWEST CREDIT SYS Balance { {$830.00} }
|
| 06/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
We are receiving phone calls from the collection agency that says I owe money to XXXX a cable company from my old address when we moved we transfered the service to new address until last year and we switched to another company and all the bills were paid off ( they have the old address on file ) I contacted XXXX and spoke to collection department and they said that I do n't owe them any thing.
I explain everything to this agency and they keep calling and every time it is a pain and waist of time and i am so sick of this situation Southwest collection is the caller from this phone number XXXX
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I found out about my credit score decrease with XXXX XXXX that I had XXXX accounts under collections with Southwest Credit Management ( for XXXX ) and XXXX ( for XXXX XXXX ). I filed disputes with both companies and submmited all required documents. XXXX never reached back to me with a solid resolution. Meanwhile, I have also reported the ID theft incidents to local police and the FTC, both of which have issued case numbers.
I requested my credit score to be fully restored and complete balances under both accounts to be dropped unconditionally.
Thank you for protecting my rights.
Best,
|
| 07/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hello, I paid my debt with XXXX XXXX with XXXX XXXX and now Southwest credit style is flagging my account for unpaid debt that they bought in disregard to my satisfied account with that debt.
I submitted a supporting document to the dispute they just said was still valid with southwest credit style. Please fix this error.
I have bank records to prove my debt has being paid in full for a debt they are still trying to collect on.
I paid it in full XX/XX/2020 with XXXX XXXX in the amount of {$350.00}, so please resolve this, as I am in the process of building/fixing my credit.
Thank you
|
| 04/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I never received a mail notice that I could dispute the debt of {$67.00}. The original creditor is XXXX XXXX XXXX. I received a phone call about the debt from SW Credit Systems L.P. and I told the agency I would like to verify the debt as I did not believe I owed the debt and I never received any notice about the debt prior to the phone call. Then I sent the agency a letter requesting verification of the debt. But I never received the verification. I checked on my credit history and they have reported it to XXXX.
The agency is : SW CREDIT SYSTEMS L.P.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.
|
| 04/09/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Ive mad several attempts to dispute a error on my credit report. XXXX fail to take the proper steps once I fully communicate the error that was made on my credit report. Im being held responsible for a debt that is not my original creditor. In section 611 states I have the right to report misinformation/ error on my credit report. Information that was reported to my credit report is not truthful because I did not have service or a contract nor was I legally bind to pay Southwest Credit. Southwest credit should be deleted from my credit report because this company is not my original creditor.
|
| 02/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It appears XXXX put my account in collections. They used Southwest Credit Systems to make a collection. I never knew about or received any notification about the {$130.00} owed. I would have paid it once i knew about hte payment. I did pay it this month when i first found out about this payment directly to Southwest Credit Systems. However, this has negatively affected my credit report and i am looking to purchase a home in the next couple of months. I would like to request that XXXX and or Southwest Credit Systems to take this off my credit report for all 3 major credit reporting companies.
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Wrote letter on XXXX2017 to SOUTHWEST CREDIT SYSTEMS LP that negative item was placed on my credit report without notifying me, which is a clear violation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Advised SOUTHWEST CREDIT SYSTEMS LP to removed incorrect information off my credit report. More importantly, SOUTHWEST CREDIT SYSTEMS LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any correspondence from SOUTHWEST CREDIT SYSTEMS LP.
|
| 12/08/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XXXX/XXXX/17 around XXXX XXXX I received A CALL FROM A REPRESENTATIVE BY THE NAME OF XXXXXXXX XXXX ( NAME WAS N'T CLEAR ), AS I KEPT REQUESTING XXXX TO DISCLOSE THE REASON FOR THE CALL HE FINALLY TOLD ME THAT HE WAS ATTEMPTING TO COLLECT A DEBT, AND KEPT ACCUSING ME THAT A DEBT BELONGED TO ME. I QUICKLY MADE XXXX AWARE THAT HE WAS IN VIOLATION OF FDCPA RULES AND REGULATIONS AND REQUESTED HIM TO REMOVE ME OFF OF HIS COLLECTIONS LIST. THE DEBT WAS FRAUDULENT AND I HAVE KNOW KNOWLEDGE OF THE DEBT, AND ALSO ASKED HIM TO STOP THE HARASSING CALLS AND TO CEASE AND DESIST ALL COLLECTION EFFORTS.
|
| 09/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Southwest collection services used an address I never lived at to communicate a collection I found out about through my credit monitoring service. They said they can not remove the account even though i verified payment because they said only comcast can do that. I faxed verification of payment to both of them but no one takes action. XXXX opened a trouble ticket but does not have a phone number to discuss concerns if you are disputing a collection so I have no way to discuss resolution of this with even though I faxed in proof of payment it is still sitting on my reports with the bureaus.
|
| 08/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX date submitted for another dispute, first disputed was back in XXXX of XXXX {$990.00} dollars this company southwest credit system keeps trying to make me pay, this account isn't mine and I don't know who these people is and its impacting my credit really bad with this hard inquiry. I disputed it with XXXX twice and XXXX is asking for documentation that I don't have because this account isnt mine. the consumer isn't trying to do nothing but keep making hard hits on my credit report resulting in a dramatic drop every time they report this false account that i know nothing about
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
THIS IS A FOLLOW UP COMPLAINT! Southwest credit systems MUST remove this collection from my credit report because XXXX has spelled my name INCORRECTLY and anything that is reported on my credit report must be 100 % correct and mine. If you Look up my previous compliant attached is a screenshot from a old bill from XXXX and you can see that my name XXXX XXXX XXXX is spelled incorrectly. XXXX has it spelled as XXXX which is wrong. How is that PROPER verification if you do not have the right spelling. Thats a direct violation of the FCRA and must be removed from my credit report immediately.
|
| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i keep getting calls from collection agencies in reference to a balance.
i received the first call in XXXX of XXXX fax them my bank account proof they said they will correct. 4 month later it 's back on my credit report from a different agency did the same thing now over a year later it 's back on my report this will be the third agency not sure XXXX they do n't notate and they keep selling the account. i currently have XXXX again in florida my account is up to date how can i have a new account if a owed a balance. i would like to get this issue rectified and fixed once for all Thank you
|
| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX. I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them.
Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Another collection company XXXX XXXX XXXX XXXX sent me a notice in XXXX about a bill from XXXX XXXX XXXX. I sent them a letter requesting verification of the debt and the contract that was valid for the account they were attempting to collect on. I never received any further communication from the company. Yesterday, I look on my credit and there is a collection from SW Credit Systems LP for the same alleged account. I have not received any communication from them and as it stands, I am sure the same way the other company was unable to verify the debt, they are not able to verify either.
|
| 10/26/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recieved constant calls from SW Credit Systems L.P. # XXXX about a XXXX XXXX for {$380.00} that was not mine. I call several times informing them it wasnt and I never lived in the XXXX area. They said someone must have gotten my Soc Sec number and they wanted me to pay it anyway. I refused and now I see they have placed my credit in collection and My score has dropped from XXXX to XXXX. I am sure this is an unreputable company after the many phone calls I made to them. Please let me know how to proceed in getting them to remove this black mark and completing this complaint. Thanks XXXX
|
| 01/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
XXXX is trying to charge me for telephone service after I started with XXXX. I moved my service from XXXX to XXXX XX/XX/2016. XXXX falsely wants me to pay for several months that I did not have service with their company. They were notified of the change, twice.
I received my XXXX XXXX effective XX/XX/2016. XXXX is trying to bill me for 2-3 months after that date. I Paid {$260.00} on XX/XX/2016. The last payment for service prior to XX/XX/2016 was made XX/XX/2016 for {$270.00}. I do not owe XXXX anything. They appear to be upset because I transferred my service. Please help. Thank you.
|
| 07/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid.
Southwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement.
No itemized information about proof of last activity date was provide to me.
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In XXXX I rented a home XXXX .I only rented the home for about 9 months. I had XXXX as a internet and cable provider. Around XXXX XXXX contacted me and stated that I owed them {$200.00} for unpaid cable bill. I told them I had not lived there for years and I had paid my bill and had my services turned off when I moved back XXXX. They insisted that I pay this bill 2 years after I had moved out. The last two times in XXXX and XXXX I have applied for credit this shows up on my report. I do not owe these people one dime and yet they filed a negative report. The people of XXXX are crooks ...
|
| 08/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021, I sent a letter to Southwest Credit to provide me legal documentation for this alleged debt. I am not liable for this debt with XXXX and I do not have a contract with SouthWest Credit. In addition, they did not provide me with the legal documentation and the signed original application like I asked them. They sent me a basic letter dated XX/XX/2021, with verification not validation, and fail to provide me with the original application. In addition, they never sent me. a dunning letter in the first place. Therefore, they need to delete this account from my credit reports
|
| 11/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, SOUTHWEST CREDIT XXXX add a derogatory mark on my credit report per XXXX and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I asked them numerous times for a written contract bearing my signature and they have not provided me with that information. I also disputed this debt with the credit reporting agencies. I did not enter into a contract with this company and it says it was opened XX/XX/2015 which tomorrow would make it 3 years under the statue of limitations in Maryland to try to collect on a debt. Please help me remove this derogatory mark on my credit so I can get my scores closer to where they should be. Thank you.
Company name : SW Credit Systems amount : {$180.00} opened : XX/XX/2015 acc. # XXXX
|
| 08/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems never contacted me about item they posted to my credit report and has not validated the debt, I called them and they said that the item they put on my credit is from XXXX years ago, I never knew anything about this debt until I checked my credit report.
I did a quick check online and found many bad reviews about Southwest Credit Systems, this company is accused of harassment, scamming, fraud, verbal abuse, producing false documentations etc.
I do n't believe that they are licensed to collect in my state and I have reason to believe that this might be a scam.
|
| 06/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I do not owe any debt to Southwest Credit Systems , L.P .
They are a third party debt collector and have damaged my credit under false pretenses.
I have NEVER did any business with this company and do not have any contractual agreement to pay these people. I have NOT ever agreed to pay southwest credit systems. They do not have any contract with my signature upon agreement to pay them. they have damaged my credit and is in violation of 15 U.S.C. 1681b permissible purposes. I did not give them any permission to report anything on my credit report damaging and defaming my character.
|
| 10/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
About two weeks ago, I recieved a call. The caller didnt identify herself clearly however asked for me repeatedly. She asks for my name and address. I told her Im not sure what this is regarding but to send a dunning letter regarding the debt ; to which she stated she didnt know what that was and hung up. To date, XXXX XXXX XXXX has placed a collections account on my credit report without send a required letter of validation to verify the validity of this collection. I also filed a complaint XX/XX/2018 with the Federal Trade Commision acknowledging my identity had been tampered with.
|
| 08/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have a prior complaint # XXXX in relation to this alleged debt. This company removed the item from all credit reports. On XX/XX/XXXX I noticed a new item on my credit report, with the same original alleged debt. How could this be? How can the first company delete the alleged debt then sell the alleged debt to another company. It seems very illegal. I feel this is a bio violation of the fair credit reporting act because I did not receive any notification of reinsertion of this alleged debt and how can a company sell a debt they state they will delete and notify the credit bureaus.
|
| 10/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM has failed to validate that this account is reporting maximum possible accuracy per the FCRA. I have initiated several attempts through the credit bureaus and collection agencies to have this account validated and has not received a response and I have reason to believe that reasonable procedures were not conducted on these accounts due to the current violations I have found as if relates to my credit profile and unverified accounts also This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
|
| 11/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
SW CREDIT SYSTEMS INC. add a derogatory mark on my credit report per XXXX XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for this account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contact, signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, SW CREDIT SYSTEMS INC. has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
|
| 08/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
A collection reported me to all XXXX credit bureaus about a fraudlent debt, that I never owed to XXXX, and without notifying me. I faxed a letter to that company on XX/XX/XXXX disputing the debt and requesting that they contact the credit bureaus and inform me that the debt is being disputed and requesting them to delete it from my credit report.
The company failed to do that and asked the credit bureaus to continue the debt till XX/XX/XXXX.I verified with XXXX rep and she advised me that the collection agency requested to keep the debt on my report.
Please see attached letters.
|
| 03/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, I was contacted by someone over the phone asking me some questions concerning my personal informationthe person called me by my name and told me my date of birth b and the last of my social security and an XXXX address. I confirmed my identity and the last social security number and denied the address. In XX/XX/XXXX, I was surprised to see a debt collection on my credit file. On XX/XX/XXXX, I sent a letter to the debt collector to prove my debt. This is two months since I received no notice from Southwest Credit System, which violated my rights to dispute the debt.
|
| 02/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX, 2021, SOUTHWEST CREDIT SYSTEMS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA SOUTHWEST CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
|
| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX I switched 3 phone lines from TMobile to Sprint, I was sent a final bill by T-Mobile for {$580.00} that I could not pay at that time. I followed up in XX/XX/XXXX and spoke with manager by the name of XXXX, she stated I had final bill and a phone that was not returned, the phone was returned in XX/XX/XXXX ( I have Drop-off receipt from UPS ). I again followed up in XX/XX/XXXX and was told 'that 's too bad, it has gone to collections '' handle it with them. Southwest Credit System is stating that I owe {$2600.00} without any proof of how that amount can be justified.
|
| 01/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems, L.P. on XXXX-2017 that negative item was placed on my credit report without notifying me, which is a clear vilation of the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. Requested Southwest Credit Systems, L.P., to remove incorrect information off my credit report. More importantly, Southwest Credit Systems, LP are in violation of FACTA section 623 ( A ) ( 7 ). Never received any mail from Southwest Credit Systems , L.P .
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit System is trying to collect a debt that is passed the statue of limitations for Texas. The statue of limitations is 4 years and the debt is 4 years and 4 months old. By law, they can not collect on this account. I have mailed multiple letters to the company explaining this matter and received no response. In lieu of suing the company for violating the law, I want the company to : stop attempts for collecting the debt, remove their information from ALL credit profiles, and agree that they will not longer sell my account to another collection agency per Texas Law.
|
| 07/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Southwest credit system I regards to debt that was already paid with XXXX XXXX XXXX I sent them receipt and email showing that it was paid they continued to harass me about the debt and say they cant understand the receipt.. I advised them they can contact XXXX or XXXX to clarify it was paid they refused. I would like them to stop calling me and submit this back to XXXX or XXXX this should not go on my credit because it was already paid. Also now that I try to contact them they send me to voicemail. I had to call from a different number to reach someone.
|
| 03/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had a collections placed on my credit report on XX/XX/XXXX. The collections account was placed by Southwest Credit Systems. It states that the original creditor is XXXX. I contacted Southwest Credit Systems by phone, without admitting liability to the debt, or making a payment, they disclosed that the original date of delinquency was XX/XX/XXXX and that the debt was time barred as of XX/XX/XXXX. I plan on sending CFPB form letters to get this information in writing. My concern is that they may be attempting to re-age the debt by placing it on my credit report for XX/XX/XXXX.
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have received a notice from a collection agency that I owe {$800.00} for delinquent payment to XXXX XXXX XXXX. I called the number to talk to someone and told the person I never had an account in my name ever in my life. He asked if I had ever lived at another address and I told him I had lived at this address for the past 20 years. He gave me instruction to send proof that I lived at this address for years and I will go to the post office and I hope that will help. I also called XXXX XXXX and explained the situation and was told that they would enter the case as fraudulent
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Reference Consumer.Finance.Gov Case # XXXX which identified an administrative error by XXXX and erroneous debt collections against me by Southwest Credit Systems. As part of your investigation, which discovered this was an error, Southwest Credit Systems was to remove any negative reports or comments on my credit report/file. As of X/XX/17 Southwest Credit Systems has not removed negative comments concerning Case # XXXX. Please have Southwest Credit Systems, XXXX XXXX XXXX, XXXX, TX XXXX immediately remove all negative reports/comments from my credit report/file permanently.
|
| 07/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report.
On XX/XX/2023 I paid {$120.00} to XXXX to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
I also settled to pay Southwest credit systems {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.
|
| 02/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX Account : {$110.00} Reported to collection agency XXXX XXXX Removed from XXXX XXXX in XXXX.
Account was paid on XX/XX/2021 directly to creditor XXXX.
2nd Collection Agency South West Credit System was added to credit report on XXXX after account was paid.
Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid.
Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.
|
| 06/28/2019 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit System place this negative account medical account on my credit report as I was unware of the debt and could not Dispute the information as they sent mail to an address I did reside at ...
After I seen the negative account my credit report. I sent them a request to remove the account ASAP. Southwest needs do the following : 1. Remove this account of my credit report ASAP as I was unaware of this debt.
2. Show they have the right to collection in Ohio.
3. Provide method of validation for this account as I recall owning money on a account of this nature.
|
| 01/04/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX multiple times a day most before XXXX. I have confirmed information for the debt collectors but they are asking for more personal information while threatening to take legal action in this matter if I dont provide said info. I have not been informed that the company is even a debt collector ( I XXXX the number & my XXXX shows the company name ) nor have I been made aware of what debt the company is attempting to collect. I am being unjustly harassed, threatened, and to be honest am feeling like Im being scammed.
|
| 08/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This is in regards to Southwest credit systems they have violated my consumer rights under the F.D.C.P.A I sent the company a invoice for XXXX for four diffrent individual actions. I really could get them for more but I won't do that just yet. I also asked them to send me validation to such alleged debt.
I am now demanding southwest credit systems for cease and desist on this collection account and also a deletion on my consumer report as it is a median of communication.
They also received this invoice and validation request on XX/XX/2021 as I sent it certified mail.
|
| 03/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
My credit reported was updated today with a collections agency southwest credit systems LP. For {$360.00}. I dont know who they are. I dont owe them any money. I have never had a signed contrat with this company Southwest credit systems LP. I did not receive any written notification of them attempting to collect a debt from me. I was not given the opportunity to dispute any debt with them. I was suppose to be notified by mail. They are destroying my credit character and worthiness. I want them to stop reporting to the credit bureaus immediately! I will take legal action
|
| 07/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems is trying to pin a fraudulent zombie debt on my credit file ( XXXX ) for the amount of {$160.00}. I called to verify and they told me it was for a person living in Virginia a place I have never lived for a debt from 2004. I also called XXXX and they could n't understand how they came to the conclusions of amounts, debtor and " Date Opened '' they have listed because the record they pulled does not show the same information. This is a scam of a company. Fraud! Cease and desist all communications. Remove this fraudulent debt from my credit report.
|
| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Company XXXX XXXX XXXX Address on credit report is XXXX XXXX XXXX XXXX DE XXXX Partial acct # of XXXX Has all of a sudden reported a collection on my credit report that I supposedly owe XXXXXXXX XXXX XXXX XXXX XXXXXXXX dollars starting XXXX XXXXThe Biggest problem with this is that I live in XXXX Georgia and have done so for 5 years, and i do NOT owe any XXXX company any Money . I Disputed this with the credit bureau and they did not do anything to check the legitimacy of this item .Nothing to remove this, as though it belonged to me. Like this could possibly be legit.
|
| 05/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit Systems has placed an alleged debt account on my credit report without providing me with proper written communication first, giving me the opportunity to dispute the account. This company never even checked to verify if this alleged account was my own. I woke up this morning to see my credit score decreased by XXXX points for an account that I do not recognize. The original creditor XXXX was notified that the account was fraudulent due to ID theft and was permanently removed from my credit report last year. This account needs to be deleted immediately.
|
| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Southwest Credit Systems keeps calling my phone constantly. I did answer once to see what they wanted. I told the lady to stop calling because it was illegal and she called me a XXXX before I hung up. This debt is for XXXX originally and it was under another CA called XXXX XXXX for awhile and removed and now it's is back under this new CA. This is bringing my score down because they even put on there that I was 60 days behind. I have not been with XXXX since 2014 when the account was closed. They are re-aging this account and I know that's is illegal to do. Thank you.
|
| 02/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My Issue Is with This Collection Agency Southwest Credit System. The Company Keeps Putting the Same Fraud Account on My Credit Reports thanking I wo n't Catch it when they Sneak and try to put the Account on my Credit reports. The Company Has known that 's it 's a Fraud Account for A While Known. The Original Company XXXX Did n't Hold Me Responsible to Pay off A Fraud Account that Was n't Open by Me, But This Collection Agency Want to Hold Me Responsible Since They Bought This Fraud Account, And Keep harassing me to pay for this Fraud Account. I 'm Not Responsible for.
|
| 04/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have been receiving 3-4 phone calls a day from Southwest Credit from multiple phone numbers. I have answered a few times and asked them to stop calling as they are calling a business phone. I do not have any outstanding debts that need to be collected on. The phone calls have increased, and now they are calling at all times of the day. This is a violation of the FDCPA in which this company has called me well more than 7 times in a seven day period, calling before/after the the allotted times. This company is harassing and violating the FDCPA and needs to be stopped.
|
| 08/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
{$310.00} to Southwest Credit System Equipment returned, picked up at my home XX/XX/XXXX They are currently called XXXX and before signing up for their internet/cable service my previous account was scrutinized by them and there were absolutely no issues in the past or I would have been denied any service with XXXX. In the past XXXX tried to collect a debt that was NOT owed them but took forever for them to admit it. Subsequently this claim is totally bogus and unwarranted. This collection company is out of control and must be reprimanded and never to bother us again.
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
i had switched from XXXX to XXXX, XXXX was to pay the phones off from XXXX but nobody was responding and i only had a certain amount of time and before i knew it i was being placed in collections. I never got any calls back when i kept asking about paying off the other phones and they were charging me for XXXX that they had told me were free with my phone purchase. I was placed in collections on XX/XX/21 and i had no idea until i checked my credit report to purchase a home. the amount is for XXXX the collection agency they are using is called Southwest credit systems
|
| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
This southwest credit systems has been robocalling my parents home where I no longer even live literally XXXX times a day and each time has no information to provide i.e. What the debt is or what company they represent and who the debt is in regard to. They call from multiple phone # XXXX and have not contacted me once in writing about anything. This is illegal and has done nothing but disrupt my parents lives. I ca n't even figure out who they represent not to mention I do n't trust anything verbal with these companies as they are the ambulance chasers of debt XXXX.
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have noticed that this debt was placed on my credit without any sort of communication of the debt before it was placed on my credit. I contacted the company in XX/XX/2022 and asked for a statement in relation to the debt that I was going to dispute and never received any communication. There were no phone calls, no written documentation provided. When I called to inquire about the debt I was pressured to make a payment and I informed them I was disputing the validity of the debt it is XX/XX/2022 and still no communication other than placing it on my credit report.
|
| 06/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
Servicemember |
|
This company has called my employer several times after repeatedly being told to cease and desist contact. They are calling about a debt and I know for a fact I owe no one money. I was threatened by my employer that I could lose my job ober this issue. They have called several times in one day and then repeatedly called 5 times after being told not to contact my place of employment. I want fees, fines and penalties from them for this. They are told on the XXXX of XXXX not to call and called again on the XXXX at my work. Then again on the XXXX, XXXX, XXXX, and XXXX.
|
| 01/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good day, this is XXXX XXXX. I received an alert today from XXXX stating that Southwest Credit Systems has filed a Collection/Chargeoff on my credit files. I contacted Southwest Credit Systems and spolk with a lady named XXXX. She was very ruled and stated that she did not have me in her system but kept asking me for my Social Security Number. I never received any notice or infromation from this company letting me know that I have an outstanding bill. XXXX was threating me with filing a Court Case and stated that she will continue to keep this account on my files.
|
| 02/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I have absolutely no idea what this debt is. It says it is for a XXXX account but I never had any XXXX account. I was potentially cosgined on someone but that was about 15 years ago.
I received absolutely no notification about this and the debt just appeared on my credit statement.
I try to dispute it with XXXX XXXX but the company just says it is valid debt?? Ok but what is it??? There is not validation of debt letter.
Is it past the statute of limitations? I have no idea because I do not know what it is and have not had XXXX for more than 15 years!
|
| 04/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
date : XX/XX/2020amount : {$48.00} I created an account to monitor my credit & was surprised to see a collection from SOUTHWEST CREDIT SYSTEMS which has dropped my score significantly. Ive received no phone calls or contact via USPS mail to confirm this collection is mine or valid. Due to this I have not & did not obtain the full statutory period in which to dispute the validity of this debt in question as I did not receive any initial notification ( s ) regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
|
| 03/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
THIS COMPANY CALLS EVERY SINGLE DAY 2-3X/DAY, AT ALL HOURS OF THE DAY.
I HAVE REQUESTED TO BE PUT ON THE DO NOT CALL LIST SEVERAL TIMES.
I HAVE NOTIFIED THE COMPANY THAT THIS IS A FRAUDULENT DEBT.
IF I BLOCK THE COMPANY THEY JUST CALL FROM ANOTHER PHONE NUMBER - ALWAYS FROM A NEW STATE/REGION.
EVEN IF I ANSWER THE CALL AND COMMUNICATE WITH THEM THEY WILL STILL CONTINUE TO CALL.
I HAVE ALSO SUBMITTED A SUPPORT TICKET ON THEIR WEBSITE AND REGISTERED MYSELF WITH THE NATIONAL DO NOT CALL REGISTRY AND REPORTED THEM TO THE FTC AND THE HARASSMENT HAS NOT STOPPED.
|
| 01/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I saw a credit collection with South West Credit System and original creditor I saw XXXX on my account. I have never open account with XXXX and I have called XXXX they I have no account with them. I have also called south West Credit System they also said I have no account with them too. So I 'm making this complaint so that that information to be remove from my credit report. I disputed with XXXX and they have taken the irregularities or collection from my account but still shows up on my XXXX report. So I want it to be taken off from my credit report. Thanks.
|
| 09/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM keep reporting invalid item to my credit report. I have disputed multiple time and they keep verifying account. No bill was sent or debt validation to validate debt. This account is not owned by me, neither did the collection agency send a debt validation for this item which is violation. No letters was sent to my home address but instead they sent me to collection. I request debt validation which includes signature, date debt was bought/assigned from original lender, debt owned/collection fees accrued to account, and invoices of debts.
|
| 12/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account with Southwest Credit Systems and I have received nothing from them at all. I do not know why they are on my credit, what I supposedly owe them for, or who they are. They have willfully disregarded my dispute letters, they have violated my rights granted under the FCRA and FDCPA by not providing me with any of the required documentation necessary for them to be on my credit, and even though I've begged them to stop calling my cell phone and workplace, they have continued to do so on an autodialed line. This is outrageous. HELP ME!
|
| 12/18/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX SWC contacted me via mail about a debt they said I owed. They offered to settle the debt for an amount close to the amount owed that I could pay online to settle this debt. I went online and paid the settlement amount listed in the letter. Two months later they are reporting to all three credit bureaus that I am late and have a balance owed. They are the ones who offered to settle not me. If that was not the case then they should have not sent the letter. I will not be robbed by this predatory company that doesnt know how to properly conduct business.
|
| 10/27/2022 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/27 I received a phone call from XXXX. I called back approximately XXXX hours later. I was initially greeted by an automated voice message system that alerted me that the phone call was regarding an attempt to collect on debt. I was then connected to an operator who gave me the name of the person who allegedly owes the debt prior to confirming whether or not I was that person ( I was not ). When asked if that individual owes a debt, the operator refused to confirm/deny but mentioned that whatever the automated voice message system stated was correct.
|
| 02/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
I have been receiving calls from this number ( XXXX ) for a while just ignoring it yesterday was the last straw. This company called me back to back to back on XX/XX/22 for a total of 11 times between XXXX and XXXX. This is clearly a violation of fdcpa rules. I called the number back it stated Southwest Credit systems. I do not have an account with these people or never signed a contract with them. I have never spoke to them I only dialed the number to get the company name. They need to be fined and I need to be compensated for the violation and harassment.
|
| 01/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed this account awhile ago but still have not received anything I asked for to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I asked for.
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally As per the fair credit reporting act section 609 They are saying it is verified but where's my proof? What methods are you using to verify?
|
| 06/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
This is my second complaint filed against XXXX. They have removed the information before after the first complaint now they have sold it to another collection company and added it to my credit reports. I am so tired of having to go through this. As a victim of identity theft they do not make it easy at all. This reporting has dropped my credit score significantly again and this is not even accurate. Please can someone help me resolve this so this will stop happening. This is the third collection company they have sold it to and added it to my report again.
|
| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
I contacted this agency in regards to this claim. I was told by a representative that this account was listed in error. The information on this account is not even my social security number so therefore was a data entry error on this agency 's side. I explained that this internal error was affecting my credit score. I spoke to a supervisor and was told that they are unable to fix this issue and I must dispute this directly with the credit bureau. I feel that this is unprofessional and that it is their responsibility to fix this error since they created it.
|
| 09/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I have mailed this company several times ( XXXX, XXXX, and XX/XX/2023 ) requesting that they send me a signed contract that I owe this debt. All they have sent is a copy of a collection bill they received from a company. At the time of this debt, I lived in a different state and had not authorized anyone to use my information to purchase anything.
I also advised that it is illegal to report to the credit bureau collections as payment which they have done for the last XXXX years, which is showing that I have a negative payment history on my credit report.
|
| 12/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is absurd, Ive sent a letter to XXXX requesting that they validate NOT verify a debt that they are attempting to collect from me. I specifically asked for a signed agreement and or other supporting documentation. They provided me with billing statements which does not prove that I am obligated to pay them anything. A bill is NOT validation of an account, Im devastated that They have reported delinquent information to the credit bureaus without being able to properly VALIDATE this information. I feel violated, Im requesting this account to be removed.
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit Systems have been trying to collect a debt of {$650.00} from me but the evidence doesn't add up. They're saying I opened up an account on XX/XX/2022 in XXXX, NC. I have physical proof that I was not living in that city at the time & had no idea of the purchase they're saying Ive done. I do not think its fair for my credit to have to suffer from this when it is clearly fraudulent activity going on under my name. Once again the name of the company is Southwest Credit Systems XXXX SWC Group ) located at XXXX XXXX XXXX # XXXX, XXXX, TX XXXX.
|
| 03/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
My credit report from XXXX has a collecting debt which does not belong to me I disputed in XXXX but the debt collector state that they have a bill with a similar name company XXXX, I have never any account with XXXX and my current resident for the last 10 years is XXXX XXXX XXXX XXXX. XXXX MA, XXXX.
I do not have any debt with any company my credit report always has been excellent, either someone stole my name or my social security or both.
Please help me to restore my credit by investigating this collection.
southwest credit systems account # XXXX
|
| 12/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've had my credit frozen with all 3 bureaus for over a year. Only unfroze last fall for a few days for an auto loan. Monitor my credit every month, and in XXXX noticed a collection from Southwest Credit Systems on behalf of XXXX XXXX. This is not my account. Talked with rep at Southwest and the address for the account is in XXXX, NC. I live, and have lived for 25 years, in XXXX, NC, and have never lived in XXXX. Not sure how my credit was even accessed with the freeze. Very much want the account taken off my credit to restore my near XXXX credit score.
|
| 05/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I need help. Original amount was less than a XXXX. I don't remember buying anything with them.
SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX Placed for collection:XX/XX/XXXX Responsibility : Individual Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$670.00} Date Updated:XX/XX/XXXX Original Amount : {$89.00} Original Creditor : XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed :XX/XX/XXXX
|
| 09/26/2016 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I had an account with XXXX that was opened XXXX/XXXX/XXXX. The account was sold or transferred to SW Credit Systems L.P. and they are reporting the date placed for collection as XXXX/XXXX/XXXX which is making it appear as though I just recently opened this account. I have not lived in Pennsylvania where the account was opened since XXXX XXXX. I disputed the date with XXXX and SW Credit Systems L.P. did not correct the date. I need the date to be corrected to the original date the account was placed for collection which was in XXXX, as soon as possible.
|
| 07/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A company posing as a collection agency put a collection on my credit report.
The company is called Southwest Credit Systems. They have over 130 negative XXXX reviews that this has been happening to multiple people. They also have almost 500 negative reviews with XXXX. They are claiming that I have an unpaid loan in the original amount of {$950.00} noted as cable/cellular for a company called XXXX XXXX. with a balance of {$1500.00}. They have it dated as XX/XX/19. I reported it to the credit bureaus and contacted the FTC who gave me your information.
|
| 12/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had an account with XXXX in XX/XX/2010-XX/XX/2011. My contract ended and the equipment was turned into the third party contractor that sold me service. XXXX stated that they never received the equipment, which I dispute. The third party contractor no longer works for XXXX so there is no record to reference. This is XXXX XXXX issue but they had SW Credit Systems L.P. add a debt to my credit report in the amount of XXXX dollars, which I deem fraudulent. I've contacted SW numerous times and disputed the item through all three credit bureaus, when able.
|
| 03/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A representative of " southwest credit XXXX '' in XXXX Texas continues to call and tells me I have outstanding debt. They state my current home address isnt what's in their file. I tell them to send a letter to my current address then. Clearly the name and phone number is verified but they state I, I have to verify more info before they will discuss- it's " company policy ''. They want more personal information but wont discuss what's owed nor who is owed. They refuse to send a letter to my current address until I give them more personal information.
|
| 01/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported 2 different accounts on my credit report in XX/XX/2019, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems
|
| 10/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.
I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
|
| 12/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Since XX/XX/XXXX ( if recalled correctly ) have called everyday including early mornings hours XXXX XXXX and have repeatedly called multiple times one was at XXXX XXXX another at XXXX and XXXX and actually received a call while typing this message ( they have only left one voice mail snd do not specify why they are contacting me and what the debt is for the phone number is out of new jersey and stressed about it i have ignored many calls and had to return phone calls cause it over rode business calls so i have lost some financial revenue over this
|
| 07/05/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems is reporting a debt that I know nothing of to the credit bureaus which is causing me damages due to the harmful listing. I disputed the account and is certain that they are in violation because the debt was never validated. They 're supposively trying to collect a debt that from XXXX XXXX. I never had XXXX XXXX. I live with my mother and she does n't have XXXX and never did. I will not pay for something I do n't owe. I will do my part to address the mistake and if necessary pursue other means to protect myself and my credit
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt.
I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not have any responsibility for the debt youre trying to collect.
If you have good reason to believe that I am responsible for this debt, mail me the documents that make you believe that. Stop all other communication with me and with this address, and record that I dispute having any obligation for this debt. If you stop your collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report on XXXX shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report. The only reason SOUTHWEST CREDIT SYSTEMS connect me to this case is because my name, XXXX XXXX, is exactly the same with the true debitor. SOUTHWEST CREDIT SYSTEMS did NOT verify additonal information before report this collection to my credit report and hurt my credit score. I never live in the address linked to this bill statement. It is very un-resposibile to report this collection under my name.
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received information from you attempting to collect the above-listed alleged debt that you have listed on my 3 credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 08/07/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The caller has called me everyday. Although I informed them that I have never lived at an address they are asking, they keep calling and asking me for information about who I am that may be used to spam me I suspect. Ive blocked the number and asked them not to call me but they continue to call me on my home and mobile phone. They change numbers and although I block each number, they still have found a way to get around the blocking. The number they are calling from is XXXX and XXXX and XXXX. They keep changing the number each time I block them.
|
| 10/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTE XX/XX/XXXX XX/XX/XXXX XXXX XXXX I XXXX XXXX XXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX DATE OF LAST ACTIVITY WITH ORIGINAL CREDITOR : XX/XX/XXXX HIGH CREDIT AMOUNT IS ORIGINAL LOAN AMOUNT ACCOUNT SERIOUSLY PAST DUE DATE/ACCOUNT ASSIGNED TO ATTORNEY, COLLECTION AGENCY, OR CREDIT GRANTOR 'S INTERNAL COLLECTION DEPARTMENT COLLECTION DEPARTMENT/AGENCY/ATTORNEY UNPAID THIS IS NOT MY ACCOUNT , MY MOTHER RECENTLY GOT XXXX FOR HERSELF IN MY HOME BUT I NEVER HAVE. ALSO THIS BOGUS ACCOUNT HAS BEEN RE-AGED TO FURTHER DEGRADE MY CREDIT
|
| 09/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Southwest Credit Systems is reporting a collection account on my credit report that was previously assigned to XXXX XXXX and was deleted. Then, I get an alert on my credit report that SWC reported this account with an open date of XX/XX/XXXX. How is that possible? Now it says this account wo n't be deleted from my credit report until XX/XX/XXXX, which means they extended the statute of limitations and should not be allowed. They are in clear violation of the Fair Credit Reporting Act. I even tried to file a complaint against them with the XXXX.
|
| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM Account number XXXX IS REPORTING A DEBT ON MY CREDIT REPORTS FOR A BALANCE OF {$790.00}. I WAS NEVER NOTIFIED OF THE DEBT VIA PHONE NOR WAS I INFORMED ON THE ORIGINATION OF THIS SO CALLED DEBT THAT THEY CLAIM THAT I OWE. SOUTHWEST CREDIT SYSTEMS VIOLATED MY CONSUMER RIGHTS PER 15 USC 1692g SECTION 809. I WAS NOT AFFORDED THE OPPORTUNITY TO DISPUTE THE VALIDITY OF THIS DEBT WITHIN THE 30 DAY TIME FRAME. I WOULD LIKE FOR SOUTHWEST CREDIT SYSTEMS TO CEASE ALL DEBT COLLECTION AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORTS.
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : SOUTHWEST CREDIT SYS As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
A break down of charges is not considered verification of debt, therefore if you can not provide the original contract that contains my signature then this account should be removed from my credit report within 30 days.
Sincerely.
|
| 03/02/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a new cell number. Apparently the previous user owed money to someone. A collection agency has called from at least XXXX XXXX XXXX XXXX different numbers. I have told them I am not the person they are trying to collect from, they say they will take the number out of their system, or do not even have it in their system. Then I get more calls. They are either incompenent or liars. They are Southwest credit, the calls are from XXXX XXXX, NJ The calls come from : XXXX XXXX XXXX or XXXX ; XXXX XXXX XXXX or XXXX ) ; or XXXX ( XXXX or XXXX )
|
| 01/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.
|
| 03/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest Credit Systems I has illegally re-aged the " Date First Reported/Date First Delinquency '' for an unpaid cable bill from XX/XX/XXXX. They have showed multiple different Dates of First Delinquency. This account was closed in XXXX XXXX and I have not had any communication with XXXX or Southwest since XXXX XXXX. I have attached a copy of my XXXX Credit Report which shows the Date of 1st Delinquency in XXXX. I have also attached a copy of my XXXX report which states " This account is scheduled to continue on record until XXXX XXXX. ''
|
| 01/25/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Older American |
|
This debt is for a phone bill I co-signed for back in XXXX. I noticed it on my credit report years later. I believed my state of Texas has a statute of limitations of 7 years. Since it was about 2 years to go I let it go to the statue. I never heard anything about it again until it showed up in XX/XX/XXXX.
Original Creditor : 11 XXXX in or around XX/XX/XXXX for {$490.00} I guess the debt was sold.
Because I noticed it back on my credit report under the name of : SW Crdt Sys opened in XX/XX/XXXX for {$550.00} Please Help Thank You Kindly
|
| 04/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft.
I never had XXXX and have been with my current cell provider for 10 years.
This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.
|
| 11/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Spoke with SOUTHWEST CREDIT SYSTEMS in regards to an account that was allegedly mine. I asked them to validate the information in accordance with 15 USC 1692g and they were unable to do so but instead sent a statement simply implying that I owe the debt. I responded with a second letter of validation and they sent the same statement. I contacted the credit reporting agencies and told them they are inaccurately reporting this account and to remove it in respect to 15 USC 1681 in which they responded with filing a complaint with you, CFPB.
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/22 I did a routine check of my credit, and there was a collection added to my file. I contacted the Credit Agencies and disputed, I filed a complaint with the Federal Trade Commission and now I'm following up with The Consumer Finanical Protection Bureau.
This company never tried to verify that the debt was mine. There is incomplete information to verify the account. They haven't shown me a document with my signature proving that this debt is mine. They haven't verified that they are licensed to collect debt in the state of IL.
|
| 01/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
1 : Southwest Credit Systems XXXX, has today sent me a collection notice and claims that I owe {$130.00} to XXXX XXXX.
2 : They have referenced an account number of XXXX. I have never had this account with XXXX XXXX. Though i was a customer of XXXX XXXX XXXX in the past.
3 : They have addressed this notice to my name but the city ( XXXX ) is incorrect. I live in XXXX.
4 : I have no outstanding debt with XXXX XXXX and since XX/XX/2020 I have had no account with XXXX XXXX.
5 : Their collection has impacted my credit rating severely
|
| 08/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I receive repeated calls, three times per day, including Sundays, at my office phone number. My office phone number was someone else 's before it was reassigned to me. If I pick up, a robot informs me that this is Southwest Credit Systems trying to collect a debt for someone named XXXX XXXX I am not XXXX XXXX, I have never heard of a XXXX XXXX. The robot informs me to press 1 if I am XXXX, or press 2 if I am not. I have pressed 2 twice. It says it will transfer me to a representative, but then hangs up. This has been going on for weeks.
|
| 09/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no outstanding debts owed reflected in my credit report. Yet I am getting repeated voicemails left at my work phone number. I have recordings of the message available, as I am now work from home due to the pandemic, and all voicemail messages are emailed to me.
The most recent voicemail was XX/XX/21, and they leave messages 2-3 times a week.
Transcription of the message left is " We have an important message from South West credit systems. This is a call from a debt collector. Please call XXXX at your earliest convenience. "
|
| 11/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I returned the XXXX and everything was in working condition. I starting getting letters in the mail that I owed money for the XXXX. They did n't give a receipt so I had no proof of returning. I had heard from other customers that they were doing the same to them. I think personnel were stealing equipment and the company is unaware and is going after the customer. I refused to pay the amount because I returned the equipment and whatever happened to it after I left is not my responsibilty. I would like this removed from my credit report.
|
| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I had pulled my credit and seen this in collections I had no idea where it came from. I have not opened any accounts nor could I due to me filing bankruptcy. I moved to XXXX in XXXX and my credit was pulled for a place. At this time there was no open accounts at all. This just shows up out of no where. I asked for information showing it was my account and the company could not provide me anything. I want this removed from my credit. It is not my account. They can't prove its mine and it is not my account. I am asking it to be removed.
|
| 08/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
|
| 11/27/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Dear CFPB I was notified on XX/XX/25 via an alert on my XXXX that a new collection was added to my credit bureaus. I have no knowledge of this account and possibly is a part of my identity theft. My name and credit information has been used with opening of accounts that I have no idea of.
I am asking that you please step in to assist with the removal of this erroneous information and they delete this negative tradeline immediately. It is listed on XXXX, XXXX and XXXX. My credit is important to me. I have attached a letter.
Thanks
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest credit systems posted on my XXXX and XXXX credit reports a debt which they acknowledged i owe southwest credit systems the amount of $ XXXX.Southwest credit systems indicates in the credit report agencies that it account was opened on XX/XX/2023 and is in open status as XX/XX/XXXX XXXXSo I demand southwest credit systems to formally show me the original copy of the contract agreement which i signed to this debt with Southwest credit systems and if they cant they need to erase derogatory marks from my credit report.thank you
|
| 01/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
Good afternoon, while on XXXX XXXX my personal information was lost on XXXX different occasions. Where someone was using my credit card to purchase all kind of products back in around XXXX or XXXX. It's so long so I don't have exactly date, I called in and was to that this matter was going to be fix which it didn't for over XXXX dollars.
My second dispute is with southwest credit service. I have been a member of XXXX for all most 20 years and paid all my bills up to date. I have no recollection of of a XXXX service from these guys.
|
| 08/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
IN THE ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT EVERYTHING HAS TO BE 100 % THE CREDIT BUREAUS STATED MY ACOUNT WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE NOT ACCURATE .THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS.
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 AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX XXXX date opened XX/XX/2020 original creditor XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, paid
|
| 08/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have a mark on my XXXX Credit report showing that I failed to pay an "original balance" of $XXXX from XXXX XXXX. It states that the "Date Opened" (of the account) is XX/XX/2019. It is now in the hands of Southwest Credit Systems (XXXX XXXX XXXX, XXXX, TX XXXX). It shows an Account # which I have never seen before.I have no accounts with XXXX XXXX. I have not had any account or accounts with them in over a decade. I was never notified of any such debt. This negative mark is hurting my credit score and it has been for several months.
|
| 01/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My identity was stolen. I filed a complaint, police report, affidavit, etc. I contacted the original company, and the collection agency to resolve this debt. Both of them keep sending me to each other, and neither will help in resolving this issue. I have spoken to supervisors at each company and still get the same answer- contact the other company. I want this debt removed from my credit, as it was fraudulent. The collection agency even offered to settle for {$300.00}! I am not paying a dime to a company I never had an account with!
|
| 08/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
XXXX/XXXX/2017 SW Credit Systems reported a Collection account to my XXXX credit files, once I received the alert I immediately contacted them. I was advised it was for XXXX XXXX XXXX and I advised them it was fraud and needed the fraud department. The gentle man told me they did n't have a fraud department and directed me to online forms to provide to XXXX XXXX XXXX I provided the forms to XXXX XXXX XXXX and the collection agency has yet to remove the account from my credit files though I notified them it is as an result of fraud.
|
| 03/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
On XX/XX/23 I received an alert that an account was entered on my credit report by Southwest Credit Systems. I have never verbally spoken to this company or received any written documentation from them. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within five days after first contacting you. Therefore, i demand that this entry be removed from my credit report immediately.
|
| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
1. Creditor Name : SOUTHWEST CREDIT SYSTEMS Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX Open Balance : {$210.00} XXXX XXXXXXXX XXXX XXXXXXXX dollars 2. Creditor Name : XXXX XXXX XXXX Open date : XX/XX/XXXX Original creditor name : XXXX XXXX XXXX XXXX Open Balance : {$840.00} XXXX XXXXXXXX XXXX XXXX dollars I haven't the clue of were these came from are what they are, but they are on my credit report. These are all Fraudulent collections. I'm the victim of identity theft and all documents will be submitted below.
|
| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I'm right in the middle of trying to obtain a mortgage and some how I have a bogus account pop up on my credit report it has lowered my score 8 points and the worst part is I don't have any services with this company and they had the nerve to send me to collections. It states on my report that I opened this account in XX/XX/XXXX and it's on my credit report for non payment, I haven't received a letter or anything the amount is XXXX dollars and it's supposed to be for internet services, I have had XXXX internet for over 2 years.
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.
|
| 03/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems is reporting on my credit report a debt I never knew I owed. I never received any notices giving me the opportunity to dispute the validity of the debt, which is required by law before inputting a collection on my credit report. They have reported an account on my credit report, without giving me the opportunity to dispute. I'm suppose to have 30 days to dispute the validity of the debt and I check my credit report and see that they are reporting the collection on my report which is damaging my credit.
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I check my credit report this past weekend and noticed I have a collection from Southwest Credit on my report. I called them first thing Monday morning to see what this was about. Per the rep its for a cable bill that I knew nothing about. I asked her why didnt I get something in the mail before they attacked my credit and was told. We are not the cable company and do not need to send you anything. I told her that she did need to send me something so that I could dispute it. She told me it will stay until I pay. This is fraud.
|
| 03/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.
|
| 11/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2022, Southwest Credit Systems opened a collection account in my name.
The account info is XXXX. The amount owed is {$780.00}.
I have never signed any written documents stating that I owe any debt to this company.
My rights are being violated under the FCRA as a consumer.
I have never dealt with this collector before and have not given my written consent.
It has not been verified that I owe this debt to Southwest Credit Systems.
My hope is to have this collection removed from all three credit bureaus.
XXXX XXXX
|
| 07/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the company on XX/XX/21 after seeing this listed on my credit report and told them that I did not have a XXXX account. They told me that I made the calls and that my number was used. I explained that XXXX did not approve me for a phone and I used XXXX XXXX for services for the past few years.
XXXX currently owns XXXX and I only had a XXXX account and not XXXX. I asked them to send the credit application from XXXX or documentation that this is not fraud and they told me they were not required too send me anything.
|
| 11/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
XXXX XXXX XXXX XXXXXXXX ) was closed in late XXXX. XXXX XXXX I paid a small $ XXXX post cancellation bill.
Since I have continued to receive billings for {$60.00} and have been sent to Southwest Credit Systems.
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Having contacted both companies none would send conformation that the bill is not owed which was a false outstanding bill submitted by XXXX XXXX
Both said just ignore the correspondence. I Asked for a email form both and neither responded in a positive manner.
|
| 06/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit systems is on my credit report, I would like for this company to provide me with the original contract for this account. I would also like for this company to provide me with any documents that they might have where my signature appears in wet ink. As far as I know I have never had any type of business with this company, if the original contract cant be provided to me, please delete the account from my credit report. The FCRA states that upon request, the original contract must be provided to the consumer.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit of XXXX XXXX XXXX, Suite XXXX in XXXX TX XXXXcontacted me by phone on XX/XX/2018 claiming they were trying to collect a debt owed by me.
I was unaware of said debt and dispute the validity of this supposed debt. They threatened to damage my credit history and take legal action against me if I did not pay. When I continued to assert that the debt was invalid they called me a " XXXX son of a XXXX '' and demanded that I provide a credit card number to pay immediately. At this point I disconnected the call.
|
| 03/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/20 I received notification that an collection account was added to my report that I gave no recollection of, I immediately reached out to the creditor with no avail.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
|
| 11/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
These collection company keeps filing debts on my credit report without contacting me a giving me a chance to dispute debt. Under the FTC law I have the right to receive notification prior to a debt being posted o credit report. Then given 30 days to dispute. I have not been given either. XXXX XXXX filed a debt that was paid. Now this has hurt my credit report and I will be filing a complaint with the AG of Texas and speaking with an attorney about damages.
SOUTHWEST CREDIT SYSTEM Original creditor : XXXX XXXX {$82.00}
|
| 12/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
The below debt is not verified and I was never notified of the debt and it has a past due balance.
Account info Account name SOUTHWEST CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$0.00} Original balance {$280.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XXXX
|
| 08/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
This company continuously dialed my phone number after being told not to, in direct violation of the telephone consumer protection act. Moreover, I did not give this company any permission to EVER call me, nor did I provide this company with any number to call me.
Next, I do not have a direct contract with this company for which they are attempting to collect. Moreover, they have reported this erroneous account to my credit file, which is negatively impacting my credit score, during the midst of a COVID-19 Pandemic.
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest Credit located at XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX has been sending me collection notices of {$410.00} due. This collection is reported as past due. I do not know this company nor have I ever done any business with them. They do not have a contract with my signature. I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE
|
| 01/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months.
|
| 07/07/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
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 a account without my written instructions Title 13 states that the person collecting the debt must notify the person and give any such steps in order to resolve the debt The FDCPA requires a debt collector to send written notice within five days of initial communication.
Delete this account immediately, unless you want to be held {$1000.00} per violation
|
| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2021 I closed an Internet Account with XXXX. They sent me a final statement in XX/XX/2021. In XX/XX/2021 a company called SW credit systems inc went on my credit reports. I didnt receive any notice at all from SW credit systems inc in the mail or by phone. I didnt even know anything about collection yet within a couple of weeks they went on my credit reports. I spoke with XXXX many times and they did have Southwest credit removed from my XXXX credit report however it is still listed on XXXX and XXXX XXXX.
|
| 06/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/19 I sent a certified letter to Southwest Credit requesting proof of debt validation. The alleged amount owed is questionable because of the dates of service listed on the bill. Southwest Credit responded to my request by sending a bill summary. On XX/XX/19 I sent a 2nd certified letter requesting additional information due to the debt collectors failure to provide me with proof of proper debt validation per FDCPA. Again, Southwest Credit sent me a bill summary. Southwest Credit is in violation of the FCRA.
|
| 08/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. Several years ago my bank, XXXX, had a data breach. My sensitive information including name, social security number, date of birth and address were sent to over XXXX people. Several accounts were open in my name without my knowledge or consent. This account was opened as a result of this identity theft. Later I also suffered a hack due to XXXX and XXXX. I have attached documentation of the identity theft and hack. I disputed this directly with the company and did not get a response.
|
| 04/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I noticed a new collections account had been added to my credit report. Southwest Credit Systems is stating that I opened an account with XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Both accounts are fraudulent. This company is also changing the amount due so is currently reporting twice on my credit report.
My apartment complex currently has an contract with XXXX XXXX XXXX for Internet and TV that I've been using since my lease renewed back in XX/XX/XXXX. So this account and information is incorrect.
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was just recently notified by the credit bureaus that a collection was put on my reports from a collection agency on behalf of XXXX. this was done about a year ago and I had to go through tons of paperwork back and forth to prove it was not my debt. It caused havoc on my credit repair. Now they have done it again with the same debt. My credit has been destroyed!!!! Over a XXXX points down!!! I thought the law said I must be contacted before collections were added. Why aren't there fines for hurting consumers?
|
| 06/05/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit Systems has an erroneous account on my credit report. I have reached out to this company to remove this account from all three credit bureaus without success. When speaking with an agent of Southwest Credit Systems on the phone, I was asked to borrow money to pay this debt and told I was a loser for not paying my bills. I am not aware of this account and have never heard of XXXX. Would you kindly reach out to Southwest Credit Systems on my behalf to rectify this situation?
Thank you, XXXX XXXX
|
| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
During the week I received notice of an account that was put on my XXXX report without notifying me. I did not have a account with this debt collector nor has this company verified any information I have not heard of this company before and I am very upset that this account was just allowed onto my credit report there was no verification of this account or contract between me and them I was not even aware of charges that were due I have no information other than what I have just discovered on my credit report.
|
| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt collector is Southwest Credit Systems. The amount is {$320.00}. It was posted on my credit report on XX/XX/2018. It supposedly for XXXX equipment that returned. I have contacted XXXX on numerous occasions and have had no help in determining the cause of this incorrect credit posting. I returned the equipment approximately 5 years ago. I do not have a receipt for the returned equipment, but I am quite sure XXXX would be able to resolve this by checking their records and serial numbers of the equipment.
|
| 12/27/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have written to Southwest Credit Systems requesting - " proof of the validity of the debt claim made by XXXX, including detailed proof of the amount owed and any interest charged on the alleged debt ; documentation of any and all communications with me regarding the alleged debt ; proof that Southwest Credit Systems is licensed to collect debt in Massachusetts and has a valid legal right to collect the debt ''. To date, Southwest Credit Systems has ignored my request and is falsely reporting this information.
|
| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Southwest Credit Systems is reporting an erroneous debt on my credit file. I recently checked my credit file an noticed this debt. As soon as i saw it i called and paid off the debt. I never received any calls or notices about this debt and wouldn't have known this debt existed if i didnt check my credit file. That is a violation of my 30 day right to dispute. I would like Southwest Credit Systems to remove the collection off of my credit file. It shouldn't have been added as i was not notified about the debt.
|
| 11/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Electronic communications
- Frequent or repeated messages
|
|
Web |
|
|
On XX/XX/23 Southwest Credit Systems emailed a XXXX bill to an email that was not mine. Luckily, I do know the person that it was incorrectly sent to and they forwarded this on. I feel that this a huge privacy breach. When I spoke to a supervisor at Southwest, she told me there was no way to see how they received the incorrect email address ( whether it originally came from the forwarding company or not ). She updated the information in her system but, as far as I know, that is the only action that was taken.
|
| 09/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/ I requested that Southwest credit systems delete unverified and inaccurate information from my credit report. I sent Southwest Credit Systems a letter demanding validation of debt. It has been well over 30 days and Southwest Credit Systems has not provided the requested documentation. I am now entitled to presume Southwest Credit Systems placed this on my credit report in error and that this matter is permanently closed. Attached Documentation : Letter to Southwest Credit Systems and identification.
|
| 10/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, TX XXXX ( XXXX ) XXXX Has re-dated a debt from XXXX to make it appear as if I acquired the debt in XXXX. I did not live in XXXX on XXXX the XXXX, XXXX, and could not have incurred an obligation to the cities water services. See pages 41 and 42 of attachment I submitted a complaint with XXXX via XXXX XXXX, but nothing was fixed or removed.
My understanding is changing the date on debt is illegal.
Thank you for your assistance!
Best, XXXX XXXX
|
| 12/01/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I believe this debt was the result of id theft. When I called the could give mo valid reason why it was not. Since I have a current account with XXXX and since iff any payment was not made on a pre- paid insurance account that insurance would have quickly became invalid and a non issue. According to the Southwest rep it would be simpler to pay a debt of {$60.00} then exercise my rights but I strongly disagree. I would like to see the signed contract with my signature witch this company has refused to provide.
|
| 07/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a written attempt to collect a debt from XXXX XXXX XXXX, TX on XX/XX/XXXX, dated XX/XX/2018. I spoke with the purported creditor, who confirmed that my account is current and in good standing and has not been delinquent, and furthermore, that they do not work with the company who contacted me to collect the purported debt. I called and spoke with a representative of the collector and their supervisor who would not provide any detail as to why this debt was owed, nor a professional license number.
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contac ted Southwest Credit S ystems on numerous occasions via certified letter and asked that they provide me with a contract of the debt they claim I owe, which bears my signature. Each time they respond with a bill and nothing more. I have repeatedly asked for this information to be provided to me and if they could not provide the information requested, that they remove the debt from all XXXX credit bureaus. They have yet to comply with my request to provide me with a contract or remove the debt.
|
| 06/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to dispute a charge of {$1800.00} from SOUTHWEST CREDIT SYS on my credit report on date of XX/XX/2019. The charge is in error because this account was opened fraudulently with my personal information without my consent.
I contacted the company immediately upon seeing this balance showing up collections. This company refuses to try and resolve my issue, even though I provided documents to them as proof, as well as wrote them a letter. This issue affecting me financially on a financial burden.
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. So I'm submitting through this site for help. There was another collection agency before this one to which I disputed and was deleted ... .This collection agency has not proved this account is mine.
They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
|
| 04/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is not even the original debt collector, this debt was paid in full with the original collector, this debt was sold without my knownledge. When I saw that this debt was on my credit report, reporting inaccurate I called the company several times to explain that I was no longer responsible for this debt because it was paid, they kept hanging up on me. Please remove this from my credit report, this account was sold from the original collector, after the fact that it was paid, and all equipment returned.
|
| 03/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I sent out validation Letter to the company whom have been requesting me pay a debt of {$170.00}. On XX/XX/XXXX the company SouthWest Credit ( collection agency ) sent me back on letter that enclosed the account, company, policy number and dates for the coverage they claim I owe. However they have failed to validate this account belongs to me. I am requesting this collection be removed from my credit report with all three CB 's. This is destroying my reputation as a credit worthy individual.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I called SW Credit Systems LP regarding this dept from XX/XX/XXXX. The representative for SW Credit Systems explained this debt was generated in XX/XX/XXXX - then passed along to them. Therefore, this was placed in collections by XXXX in XX/XX/XXXX - 2 years and 7 months later.
I had no idea this debt was lingering for this amount. Therefore, XXXX DID NOT alert me to this - then I moved/divorced my husband so no other notice was forwarded. The equipment was returned promptly as when he began his service.
|
| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit Systems XXXX violated my rights 15 usc 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 usc 1692b ( 2 ) not state that such consumer owes anydebt ; I have attached my ID, social, & proof of residency during the date of service. This account is being inaccurately reported on my credit.
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS XXXX XXXX To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. DELETE THIS ILLEGAL ITEM
|
| 01/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a letter to Southwest Credit Systems and disputed the item with XXXX on XX/XX/2018. I advised both parties that I have know knowledge of this debt. I went on to explain that the bill with the original creditor had been paid in full almost 3 years ago with no additional contact with the company to advise otherwise. I requested verification of this debt from both parties and to date I have received nothing. I am right in the middle of purchasing a home and need this removed from my credit file ASAP.
|
| 09/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX some person open an account with XXXX XXXX/ No the creditor is Southwest XXXX XXXX for {$60.00} in my name on on XX/XX/XXXX untill current someone opened a XXXX XXXX XXXX in my name In the amount of {$2100.00} You sent the police report to XXXX XXXX yet I still have this on my credit report. I do not do either of these these are not my debts and they are greatly affecting my credit I have filed the police report filed disputes and still nothing has happened they are still on my credit report
|
| 02/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
When I stopped doing business with XXXX they claimed I still had some hardware that I never had ( TV boxes when I only had internet from them ). Since then they have been trying to collect {$320.00} from me which they reported to the credit agencies. I disputed the first report but they just withdrew it and re-filed it under a different collection agency. There now seems to be a pattern as it has been filed and withdrawn by at least 4 different collectors so far making it impossible to properly dispute.
|
| 04/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX / XXXX / XXXX I sent a certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX regardin g one XXXX XXXX XXXX account ( XXXX ) for XXXX $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau. Beside of th at I want to inform that the same debt was already dispute with Southwest Credit and fully de leted on XXXX / XXXX / XXXX
|
| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 07/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
|
| 08/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This debt was the result of a billing error. I was employed by the original creditor and received courtesy services billed for free. When the servicer of the contract tried to bill me I cancelled the service. I have submitted proof of the cancellation repeatedly and still the debt continues to be claimed by third party collections agencies. I previously notified and provided proof to this claimant but they have submitted the information to my credit file and again damaged my creditworthiness and score
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I 've been battling with this company for the last year to get negative and fraudulent account off my credit report. I 've Called this company and asked what they needed.. I 've called police, the id.gov place. I guess chooses who and when to help a consumer. I need to get this resolved bc my family needs to move and this account and some lates are killing my credit. Please see attached evidence and I have more and can upload if needed. I 've learned so much about the laws and how to protect yourself.
|
| 05/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
As per the credit reporting agencies, the date this account was opened with Southwest Credit Systems was on XX/XX/2022 ( in the amount of {$550.00} ). There was no correspondence sent to me from this company explaining my rights or steps to take concerning this alleged debt. On XX/XX/2022 this account was posted to my credit file harming my reputation and dropping my score more than 20+ points. I have reached out to the company in reference to this account and their violating of federal law 15 U.S.C.
|
| 03/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/2017, I received an alert via my XXXX account that a collection account from SW CREDIT SYSTEMS L.P. had been added to my credit report. The account referred to a XXXX account. This collection account was added to my credit report without any prior contact from SW Credit Systems. It is not mine -- I have a current and active account with XXXX.
On XX/XX/2017, I sent a debt validation letter by certified mail to SW Credit Systems requesting them to validate this debt. They have not responded.
|
| 07/08/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Your company is reporting an account on my credit report inaccurately. I have never opened or given permission to anyone to do so. How did you obtain my personal information? It Is Violating, Intrusive and Illegal.
These accounts were opened fraudulently, I'm very upset that you have included this inaccurate information on my credit report.
I have wrongfully been denied credit recently due to the intentional inaccurate information that has caused me a world of trouble financially and emotionally.
|
| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I opened my credit report and saw a recent entry for a collections. I called the collections company to enquire about the collections, and I stated that I have not had XXXX before. The agency had no information about me except my first and last name.-Nothing else.
The person told me that the account was closed in 2021.
I never recieved any information, either by mail or call that informed me of the debt.
The company name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX
|
| 01/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I received from Southwest Credit Systems regarding my account being settled with XXXX. However, XXXX is still saying that I have a past due balance stating that I owe them when the account has been resolved.
I have called both Southwest and XXXX in reference to the communication regarding the updating my account, and I was told that this would be updated in XXXX with XXXX, and to date they still have my account stating that I have a past due balance when the account has been settle.
|
| 07/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Per the FDCPA I requested verification of debt from SOUTHWEST CREDIT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. SOUTHWEST CREDIT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM Original creditor : XXXX {$660.00} Balance updated XX/XX/2020 Account Number XXXX Contact XXXX XXXX XXXX XXXX, TXXXXX ( XXXX ) XXXX I have disputed this item several times. I have never had an account with this company or XXXX. During the time of this account I was XXXX anyway so it is definitely fraud. I told them this and that I have no contract with them and they have never even verified the account as valid. So it needs to be removed and never attached to my name again.
|
| 05/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I keep a close eye on my credit report. As this account is not on my XXXX report. It did appear on the mortgage companies report they pulled from XXXX . This account is not mine and I was not notified of this account. Also, it puzzles me that I was informed of this account from a mortgage lender. FCRA laws have been violated here. The sneaky way of ahving this on a mortgage lender report and not the XXXX report from them. This should be investigated by CFPB and my attorney for violation.
|
| 11/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SWC continues to call me about an alleged debt to XXXX. XXXX never sent a final bill, and confirmed in person that my account was caught up once I returned their equipment. SWC has called an excessive amount of times, and has not submitted anything in writing, despite my request for them to do so. In fact, the last person I spoke to told me that they were not legally obligated to send anything in writing. I will not pay any alleged debt to SWC without written notice and verification of said debt.
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a collection account of {$700.00} from the collection agency listed as Southwest Credit Systems. I have contacted the agency by phone calls, emails and certified mail asking for debt verification and for the account to be removed from my account. I have also disputed this account with the three credit bureaus. I have been unsuccessful and this collection is extremely hurting my credit score and now my livelihood ; I have been denied housing and transportation because of this false account.
|
| 11/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This week, I have found SW Credit Systems reporting a collection on my credit report. The reports indicate that they were assigned the account on XX/XX/2018, and that it was reported to the credit bureaus on XX/XX/2018. There are two issues with this account - 1 ) I never received a notice in the mail about this debt.
2 ) Even if I had received a notice, the timeframe between XXXX XXXX XXXX receiving the account and when it was reported would not have left enough time for me to dispute the debt.
|
| 03/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
THIS ACCOUNT IS NOT MINE, I HAVE ASKED THEM TO PROVIDE VALIDATION, PROOF, WHEN I ASK THEM TO DO SO, THIS HAD A NEW DATE OPENED DATE, AS IT WAS SCHEDULE DTO FALL OFF MY CREDIT, IT HAS CAUSED MY SCORE TO DECREASE, THEY HAVE SOLD THE DEBT SEVERAL TIMES, AND EASCH TIME THEY DO, IT HAS A NEW OPEN OPEN DATE, THIS IS NOT FAIR UNDER THE LAW, I RECIVE SOCIAL SECURITY INCOME, AND THEY ARE ASKING ME TO PAY A BILL THAT IS MINE, THE SIGNATURE ON ANY DOCUMENTS IS NOT MINE, I AM ASKING THEM TO ABSOLVE THE DEBT
|
| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act. These creditors, XXXX XXXX XXXX, Southwest Credit Systems, XXXX XXXX XXXX, has violated my rights under the 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 08/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
on XX/XX/XXXX XXXX AND ON XXXX XXXX i was contacted by debt collection company by the name of south west credit systems in regards of a debt .ias a consumer and a natural person i am not obligated to pay an ALLEGED DEBT ..i have asked this company to remove my number from their files cause they have the wrong person ..im demandind this company do not resell this false debt to no other debt collector. THIS COMPANY HAS CONTINUED TO HARRASSED ME ..THIS IS A VIOLATION TO MY RIGHTS AS A CONSUMER ...
|
| 09/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX was initially reporting inaccurate information on my credit report with this account. The account was successfully removed from my credit report after several disputes with the credit bureaus and a CFPB complaint was filed under ID XXXX Now, the same account has illegally been reinserted onto my credit report under a different collection agency Southwest Credit Systems. This is another FCRA violation. I did not receive any formal notice from the collection agency or the credit bureau.
|
| 02/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
hi - everyday i receive calls from southwest credit systems, XXXX for someone else to my tel # listed in desired resolution field. they call every day sometimes 3 times a day starting before XXXX. they were told a year ago the person they are trying to reach does n't live here. i am a senior citizen and this is n't right. Now they call and ring three times and hang up if i do n't answer. It is harrassing they call me for a debt i do not owe.
collection tele # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
|
| 06/25/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
At this time The debt collection agency continues to report invalidated information to the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws.
|
| 02/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
on XX/XX/XXXX a person stole my wallet and charged on my credit cards, the bank help with those charges. I put a fraud alert on my credit for 7 year. But my credit report shows in my personal information addresses I live in XXXX, California. never been in California. Now I got a letter from Southwest Credit collection agency collection bill from XXXX XXXX XXXX for {$1300.00} from XXXX, Ca. I don't know how that happens I have fraud alert since XX/XX/XXXX. the same person is renting with my SSN
|
| 08/03/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I ran a credit report ( XXXX ) to rent an apartment and discovered an outstanding amount in the Collections section. This debt does not belong to me and can not possibly belong to me.
I researched the collections agency ( SouthWest Credit System ) and discovered XXXX other complaints against this company for false collections claims.
This false collections claim seems to have been on my credit report for some time and is completely bogus. It has hurt my credit rating and I want it removed.
|
| 10/10/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
My ex husband lives at XXXX XXXX XXXX XXXX XXXX XXXX XXXX has for atleast 8 years.
he opened a XXXX account under my name owing XXXX $ now on my credit..
The address above is on my report and so NOW is his delinquent account. I want it removed as he had NO PERMISSION to use my name as I have a perfect record with XXXX for 7 years at my address of XXXX XXXX XXXX XXXX NH ... I have spoken with XXXX who knows that this was fraudulent..They stated my ssn is NOT on that account as it is NOT mine.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This debt that they are constantly calling about is not my debt. I reported this to the credit bureaus as well and they placed a charge off on my credit report and then repeatedly call and harass me. I have blocked their calls and requested they stop yet they continue. I want them to stop immediately as they have already taken fraudulent action by placing a charge off on my credit report. The company is called Southwest Credit and they call from various states and numbers and I block them all
|
| 04/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
As of XX/XX/2021 a debt collection company by the name of Southwest Credit Systems, account number : XXXX, randomly appeared on my credit report claiming that I owe a balance to them in the amount of {$370.00}. I never received a letter in the mail with a notice of the debt or a chance to dispute the validity of the debt per the FCRA. I am requesting that this listing be removed from my credit report immediately for violating my consumer rights to dispute within 30 days of notice of the debt.
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have tried multiple times to dispute with XXXX and the creditor directly. I am not aware or have done any business with Southwest. I have requested a signed document or other identification to prove I owe this debt.
All I have received is statements. Anyone can generate a bill and say it mine. The company or the Credit bureau has not been able to provide proof the debt is valid and I am the true person that owe it.
Please help me with this collection as it is hindering my credit score.
|
| 07/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I moved from my apartment on XX/XX/XXXX and stopped service with XXXX on XX/XX/XXXX . They told me I could take all my products from my apartment tinny house and it would be connected to the same account number. I tried to connect to cable when we moved to the house and nothing worked. They had to change out all the boxes. XXXX I received a different account number from them and called them multiple times to verify this. So what is on my credit report is a bill they never mailed me.
|
| 03/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Two years ago, I had XXXX internet service. My satellite had to be worked on more than once, resulting in loss of service and even on most days I didn't have service any way. The last representative I spoke to told me my satellite never worked correctly in the first place and he waived my early termination fee. But every so often, they still turn it over to a collection agency, I have to make angry calls, and then the Bill disappears. They have done it once more and I am just so tired of it.
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I have a signed agreement stating that the account would be closed and reported as paid in full. It still says I owe a balance. They are legit trying to steal from me, I have proof and previous XXXX conversations.
They updated it XX/XX/XXXX stating that I still owe half of the balance. I have attached their PDF to me, and I attached their statement to the XXXX.
They are trying to extort me out of more money because I told them I am in the process of buying a house, this is predatory
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Because of their terrible services, I cancelled XXXX cable/internet services on XXXX/2014. I paid it off and turned to XXXX ever since. It 's been about three years that they keep harassing me by sending me a bill of {$120.00} which I DO N'T OWE. I have provided them the evidence and documents according to which I do n't owe them a penny, but they keep sending the same bill via a collecting company. This has impacted my credit score and I want to buy a home. Please help me get rid of them.
|
| 01/30/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
Last year a collection account appeared on my credit report from a company called SW Credit Systems. It listed the original creditor as XXXX in the amount of {$1000.00}. I have an open account with XXXX for my residence and I am always current on that account. So I wrote to SW asking to verify the accuracy of this account. They took it off my credit report XX/XX/XXXX. I checked my report today and it has been placed back on without submitting any evidence of the validity of this account.
|
| 11/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I received an unknown bill from Southwest Credit representing XXXX on XXXX XXXX. The bill was for {$62.00}. I have never paid XXXX less than {$90.00} per month and I do have another XXXX account currently. No invoice was received from XXXX. I am of course happy to pay the bill with proper communication and explanation - I paid it to protect my credit.
Southewst Credit called my parents before I was contacted. According to the XXXX XXXX XXXX Collection Practices Act this is not allowed.
|
| 10/21/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing you this statement for you to delete the following information on my report. The items I need deleted are listed in the report. I am a victim of identity theft, I demand that you remove these errors to correct my credit report immediately! I have reported this to the federal trade commission and I have also attached the federal trade commission affidavit. Now that I have given the following information, please correct my report or I shall proceed with involving my attorney!
|
| 03/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems has put an account in collections that does not belong to me. I have had this removed from my credit report in the past because I have proved that it isnt my account, they remove it, then wait about 6-9 months and put it back on. Honestly this is harassment. I am in the process of buying a house and this continues to be a thorn on my side that I keep needing to have removed. Please stop allowing them to abuse my credit score, my finances and my right. Thank you.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled
|
| 05/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit is a 3rd party collection agency attempting to collect a debt not owed to Southwest. I do not have a contract with Southwest Credit. I receive consistent phones call from this company daily. I have asked for a contract with my signature with Southwest and for proof of debt owed to them. I am requesting this collection be removed from all credit bureaus immediately. It was added last week and needs to be removed immediately, I am asking for all harassing calls to stop!
|
| 06/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have requested in writing and sent via USPS mail a request for Debt Validation. This company refused to respond with the requested documentation under the Fair Debt Collection Practices Act and Under the Fair Debt Collection Practices Act sections 805 ( C ) { 15USC 1692c }, it is my right to request this information. If the information will not be provided, I request this negative file be deleted from call credit files w ithin the next ten days. Thank You in advance, XXXX XXXX
|
| 03/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to you because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in the report prevents me from achieving the desired results.
I am kindly requesting your agency to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
SOUTHWEST CREDIT SYSTEMS Reported : XXXX XXXX, 2021
|
| 06/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to request a correction of the following information that appears on my credit report [ XXXX, XXXX, XXXX ] Account Name : XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Im the victim of identity theft and I dont recognize these accounts on my report. Please provide evidence the following account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
|
| 12/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which makes this unfair practices. According to the FDCPA I'm entitled to {$1000.00} dollars per violation and clearly they violated my rights.
|
| 08/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have received numerous calls from Southwest Credit Systems from phone number XXXX ; they have called 10 times repeatedly at XXXX XXXX. for a XXXX XXXX. I called the company and stated they have the wrong phone number, the first customer service person hung up on me. I then called back again and told them they had the wrong phone number and to remove my number ( XXXX ). They again called back at XXXX six more times. As I was writing this I just received another 5 calls from them.
|
| 04/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Sw credit systems keep reporting when I let it be known I am in a XXXX XXXX situation and had to flee.
XXXX XXXX XXXX XXXX is not honoring it either!!
XXXX XXXX let him fraud my account by getting services turned on there after I left.
XXXX XXXX is not honoring it either due to the fact it's stuck on my credit report and when I have it removed it goes back on there.
XXXX, XXXX, XXXX have let her all pu I on here when I disputed on why iiti isjould be gone. No one honor the law
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The problem that I'm having with this company is that I cancelled services, paid everything and returned equipment to save money, time passes and when I look at my credit report I find out that there is an account in collections from them stating that I owe them money when I clearly remember making the last payment and returning the equipment, which they're not only charging me for money that I do not owe but they're also reflecting on my credit report which is hurting my credit.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have contacted Southwest Credit about sending me a written contract between me and the original company with my signature and date that I obtained this service. Unfortunately they have only sent me billing statements that doesnt even have my last name on it. I first contacted them in XXXX and they have yet to send me the contract. I would appreciate it if this debt could please come off my credit since they were unable to provide me with the contract from the original company.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have contacted Southwest Credit about sending me a written contract between me and the original company with my signature and date that I obtained this service. Unfortunately they have only sent me billing statements that doesnt even have my last name on it. I first contacted them in XXXX and they have yet to send me the contract. I would appreciate it if this debt could please come off my credit since they were unable to provide me with the contract from the original company.
|
| 09/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Fraudulent collection placed on credit file with collection agency by the name of Southwest Credit System claiming to represent XXXX XXXX. XXXX was placed on my credit file XX/XX/2022. I have never had an account or done any business with XXXX XXXX or any of its affiliates. I have placed a fraud alert with all three credit bureaus in response to this fraudulent account. A credit freeze has been placed on all three credit files. I have filed an identity theft report with the FTC.
|
| 12/24/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Older American |
|
The company 's name, according to them is Southwest Credit Systems. I do not know the company nor do I do I owe them anything!! They call repeatedly, and I've told them they have the incorrect information and not to call me again. I have several recorded messages left on my voicemail, even after I told them to stop calling me. I need help getting them to stop calling and leave voicemail for something I'm not even aware of. They even call after XXXX XXXX when I'm already in bed.
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
as of XX/XX/2021 southwest credit systems has been reporting a debt in the amount of {$370.00} on all three of my credit reports. i was never notified via mail of this debt nor given the fair opportunity to dispute the validity of this debt within the first 30 days of notice if one had been properly given to me. this is a violation of the fcra section 609 and i am demanding that it is DELETED and that the creditor cease all collection activity for violating my consumer rights.
|
| 03/19/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
Received a call returned call. Transferred me to someone e else. Before is said anything he asked is " this XXXX XXXX '' then he said " ok Mr then he said my birthrate and last 4 of my social '' then send there a court case that has been filed against you ''. At that point I told him not to call me again. Ever sence then they've repeatedly called from XXXX XXXX XXXX. Then they would call from a random cloned number right after. They do this 2 to 3 times a day sence XX/XX/2021.
|
| 06/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The original creditor was charging me for boxes which was XXXX. After switching companies a third party company working on behalf of XXXX came out to the home and picked up the equipment. I am assuming that there was a miscommunition between the two companies. The equipment has been picked up and verified. This debt has been removed several times, but is reinstated on my credit reports with the 5 day notification, nor reason why it is able to be reinstated on my credit report.
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt owed to XXXX XXXX XXXX XXXX for {$120.00} was paid to XXXX XXXX XXXX on 4/04/17. Received letter from Southwest Credit d ated 4/06/17 for same account. Faxed payment information to Southwest Credit on 4/18/17. Received letter from Sou thwest Credit dated 4/25/17 stating they had received our dispute but we still owed the balance. Received phone call from Southwes t Credit on 5/03/17 and was told they would continue collection action on this account.
|
| 12/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit called me about A debt that was owed to XXXX I disputed the validity of this debt because i paid this bill to XXXX internet in 2018. I never received anything after disputing this debt over the phone showing that this bill was owed. The next thing that I knew it showed up on my credit report and it was reported on my credit report as a new debt. I do not owe XXXX they were paid. I have now established new service with this company after thisk bill was paid.
|
| 05/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I found out my XXXX child have a credit t with this company and i am requesting these items to be removed from my daughter profile and i want mailed proof of doing this first mistake they have her birthday as XX/XX/XXXX when my child birthday is XX/XX/XXXX which is she's only XXXX XXXX XXXX they have her same social security number as my XXXX child as well i am including my license showing i am the mother my child birth certificate and her social as well WITH MY RECENT BILL
|
| 01/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have accounts thats been removed from my credit file due to identity theft. I sent supporting documents along with a police report. My credit report was then cleared. However months later the companies sold the debt to new companies for the same debt and it has returned. The two accounts that have returned are.
XXXX Name : XXXX XXXX Account XXXX Original company : XXXX Debt amount : XXXX XXXX Name : Southwest credit systems Account XXXX Original XXXX XXXX XXXX Debt XXXX
|
| 05/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am in the process of viewing my credit report and just saw this derogatory account created by Southwest Credit Systems, and it shows on my report it was created XX/XX/2019 for an alleged balance of {$140.00}.
This claim made by Southwest Credit Systems is entirely unfamiliar to me. I never received anything from them and unless they can provide proof of debt with my signature and origin I demand this alleged debt be permanently removed from my credit report.
Thank you
|
| 05/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried to obtain a debt validation documents from Southwest Credit, however, they are unable to do so. They keep sending me copies of a bill, which does not constitute a debt validation.
I have also disputed this with three credit bureaus, however they have ignored my request stating the debt is valid and that belongs to me. Collection agencies ( all three of them ) are not asking debt collectors to validate the debt rather than just obtaining copies of alleged debt.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX has placed me into collection for a bill they have not even sent to me yet. I ended my service with them on XXXX XXXX, and have yet to receive my final bill from them. However, I received a call today ( XXXX XXXX ) from a company purporting to be a debt collection agency called Southwest Credit Services, with whom I have never had any interaction previously. This person told me that XXXX has placed me into collection for a {$52.00} dollar bill that I have not received.
|
| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
I have previously disputed with XXXX, XXXX and XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
|
| 07/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I saw that on XX/XX/2023 a company called Southwest credit system added a collection to my credit. For XXXX which XXXX was on my credit years ago! Then XXXX removed it from my credit years ago. Then on XX/XX/2023 Southwest credit system put me in collections again for XXXX for the same bill. I have not received any phone calls or anything in the mail about this. Just boom its there again. XXXX has been removed from my credit years ago. Thanks for any help about this matter
|
| 12/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX XXXX XXXX XXXX XXXX service. When I moved I called to close my account. I was told to return the equipment to XXXX. The equipment has returned and I have the receipt.
I was contacted by a different collection agency in XXXX XXXX and I sent a copy of my receipt. In XXXX XXXX I leaned a collection item was on my credit report. I sent SW Credit a copy of the receipt showing I returned the equipment. They have not removed the collection team from my credit report.
|
| 09/27/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I received a call from Southwest Credit demanding to know personally identifying information from someone named XXXX. She demanded to know my name, address, and other personal information but refused to advise me as to why she was calling or the nature of the alleged debt. I told her not to contact me again. I do not owe anything to anyone save for legitimate creditors, to whom I make payments on time. I am in good standing on all debts. This is extortion plain and simple.
|
| 04/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Southwest Credit Systems representatives continued to call my cell phone after I asked them to stop. They then began to call from a different telephone number. After a few days of these annoying calls, I finally called them to advise them that I felt harassed and ask them AGAIN to stop. I spoke with an extremely rude manager ( XXXX XXXX ) who, after a heated argument in which I told him that it was illegal and that I was going to file a complaint, agreed to stop the calls.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have contacted this company by certified mail 30 days ago requesting proof of debt belonging to me, contract bearing my signature and have received nothing from this company. I called and spoke with them over the phone, and they stated my requested needed to be done in writing which I did, and nothing was done or sent out. This company is past the alotted time by the fair credit reporting act and either needs to submit proof or remove this account from my credit report.
|
| 03/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Bureau Name : SW CRDT SYS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Original Lender : XXXX Date Reported XX/XX/2018 Age of Account 2 year 4 months Balance {$340.00} I have never had any utility, cable or internet source of any kind with XXXX in the past, I currently am an authorized user on my husbands XXXX account in which is current and up to date, I am not sure what this account is, but Southwest Credit Systems refuses to work with me on removing this from my credit.
|
| 04/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I revived a letter from : Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX, TX XXXX stating that I had a balance due to XXXX. This was news to me since I have n't had a XXXX XXXX account in 4 years.
I wrote a letter asking them to validate the debt with no response.
I then discovered they have reported me to XXXX credit reporting agencies and my scores have dropped XXXX-XXXX points.
I do n't know these people and I have since sent a second letter with no response.
|
| 10/16/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received a bill in XX/XX/2022 stating that I owed XXXX XXXX dollars for equipment I had loaned to me from XXXX. So I called and asked if I return it. I talked to a XXXX, ( she said she was my support person ) she told me she would send me a shipping label, which she did. I packed it up and mailed it back. Well needless to say I received another bill about a month later stating I still owed the XXXX dollars. I don't understand why they get the modem back and the money.
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.
|
| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from XXXX XXXX . I requested validation of this debt. I have not had cable in well over 10 years with XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.
|
| 08/02/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
SouthWest Credit Systems, LP placed an account on my creit file without notifying me. I advised them in my previous dispute that their in violation of the early-warning notice clause of FACTA section 623 ( A ) ( XXXX ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report. if the creditor or collection agency refuse to remove the incorrect information they are in violation of FACTA section 623 ( A ) ( 7 ).
|
| 03/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Alerted to a collection from southwest credit about a cell phone bill from XX/XX/XXXX never received any documents on this account during the time of the alleged account I was stationed over seas in XXXX do not believe the account to be mine due to the fact I did not leave XXXX in route for the United States until XX/XX/XXXX attached is my household goods packaging sheet showing my movement from XXXX to the United States and the conversation with XXXX about the account
|
| 09/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Reached out and submitted complaint to SW Credit Systems Sent letter ( which Is attached ) requesting back up.
Rec 'd XXXX XXXX XXXX bills for a service Bill ( which is attached ) is not my phone number XXXX not sure whos number this is. I do not have XXXX XXXX XXXX as a carrier for my service.
This is clearly a mix up and not my charge.
The amount is {$830.00} Either send a signed contract with my signature of this cell phone number or remove from my credit reports
|
| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had an account with XXXX opened in XXXX and closed in XXXX.
Fraudulent charges of {$1200.00} appeared with a collection agency, Southwest Credit Systems, in XXXX of XXXX, which I just saw on my credit report today. They claim this arose from a XXXX XXXX XXXX with my name, and an address I have never been associated with, XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX has no information on this account and referred me back to Southwest Credit Systems .
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Southwest credit services is reporting a collection account for XXXX XXXX XXXX XXXX XXXX. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
|
| 07/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
I have an incorrect address on my credit report : XXXX XXXX XXXX, XXXX XXXX CA XXXX that is associated with a fraudulent account from XXXX XXXX XXXX ( on behalf of XXXX ) that also appears on my credit report with a balance overdue of {$310.00}.
I have contact XXXX, alerted XXXX XXXX XXXX, and filed a dispute with XXXX. I also filed a complaint with the FTC, which I have attempted several times to upload to the XXXX website per their request, but it keeps crashing.
|
| 05/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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|
Web |
|
|
Southwest credit XXXX XXXX XXXX Ste XXXX XXXX, TX XXXX XXXX credit calls multiple times back to back from multiple different numbers, disguising as random numbers to my cell phone AND work phone. I can not get anything done based on the multiple calls back to back. This has happened for the last three weeks straight every day. I have asked him to stop calling me. This is causing me stress and harm and risking losing my job because of the multiple back to back calls.
|
| 08/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
|
Hello. I got the credit alert that I have negative report by SWC.
I never opened any SWC or XXXX account.
So I called XXXX and SWC ( southwest credit system ).
SWC they couldnt find any of my info. even I let them know my full SSN ( They asked me ) Of course they dont have the record. I never owed money.
" looks like Mixed-record " thats what they said.
I checked SWC company reviews and reviewers are saying they never delete the record. ( even its not mine )
|
| 08/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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|
Web |
Older American |
|
I filed a dispute with XXXX regarding yet another account that is in collections in XXXX, which is due to stolen identity and the result was that XXXX is continuing to list this account as mine on my credit report.
I have had identity theft going on for over 2 years and I am just beginning to restore my credit and now it starts all over again. I am very weary of filing complaints, disputes, affadavits, sending registered mail, faxes, numerous phone calls etc, etc.
|
| 08/10/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XXXX I went to XXXX I got out on XXXX.While in XXXX someone stole my SSN # and identity. The people who are using my name and ssn # use a XXXX XXXX address. I've never lived in such a place. Over the years of them using my ID they paid some bills and not others to boost my credit in order to get moore credit. There is a collection for {$3200.00} or around this amount. On my personal credit I owe for back child support while in XXXX and a SUV. Totaling XXXX plus.
|
| 06/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act Southwest Credit Systems Account # XXXX, has violated my rights.
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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 07/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
As of XX/XX/2021. This company has reported me to various credit bureaus for a collection that I have no knowledge of. In the amount of {$1000.00}. I have sent this company several letters disputing that this debt does not belong to me. As well as requesting that they provide me prove of my opening such an account.Including my signature.They have not yet provided me with this information. Which has been past 30days. I would appreciate your assistance in this matter
|
| 01/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest credit collection agency continues to report wrong information about me to the credit agencies even after it is determined that I am not the person there looking for, Ive disputed the issue multiple times sent my SS # and documentation. Ive spoke with a supervisor XXXX XXXX who said that Equifax and her company got my name mixed up with someone eles. Southwest reports information to the credit agencies without first contacting the consumer about the debt.
|
| 08/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My husband and I went into XXXX store on three occasions each time we were told the bill was wrong we were paid and getting a refund to ignore the bill. Now its in collections with a company who sent no notice until we filed a complaint. We have recordings of the conversations in the store and will be submitting anywhere and everywhere and potentially getting attorney. XXXX needs to do better train them better and not use companies with loose morals like southwest
|
| 11/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XX/XX/2020, I spoke with Southwest Credit Systems XXXX XXXX XXXX about my debt balance of {$420.00} that was originally a debt with XXXX. I explained to them that my information should not have been transferred to them because the debt was with XXXX. However, Southwest Credit Systems agreed to pay for deletion in the amount of {$210.00}. I paid the {$210.00} to settle and have the debt removed but the debt is still listed on my credit report as negative status.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When this false debt first appeared on my credit report in XX/XX/2020 I wrote the Company " Southwest Credit Systems '' explaining this was NOT my debt and they have incorrect information. They never responded to my letter, however they continue to illegally and falsely report this debt to my credit report through XXXX and XXXX. I do not owe Southwest Credit Systems for {$3600.00}. As a result of this false claim it is reflecting horrible on my credit character.
|
| 05/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A XXXX bill was open in my name I currently a XXXX account holder I have no knowledge of the account that was open in my name I am in the process of getting a house so I needed this to be off my credit report so I just paid the debt in full the debt is not mines I would like it to be deleted off from my credit report since I have no knowledge of this account from fraud with out knowing wasnt giving knowledge of this account until today woke up on my credit report
|
| 02/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
There was a recent debt added from Southwest Credit System originally XXXX XXXX in the amount of {$550.00} to my credit that does not belong to me, so I filed a dispute with XXXX. I received a response stating the invest was complete and there was no change. I know that if there was an actual investigation they would have found out that, that account didnt belong to me. I looked up the company and it is XXXX cable, they are saying I had cable opened XX/XX/2020.
|
| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My identity was stolen. Someone made purchases and obtain accounts in my name! The issue was reported to the federal government ( FTC ) as well as the credit bureaus and each company. The companies honored the removal requests after reviewing the appropriate documents, however, those same companies sold the accounts to debt collectors or other debt buying companies, and now the accounts are reporting again under new companies. Its devastating to say the least!
|
| 04/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
FRCA Violation address and names XXXX, XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX FRCA Violation loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation enquiry XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Unions ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions ( XXXX ) XXXX FRCA Violation collection SOUTHWEST CREDIT SYSTEMS
|
| 12/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received notice today that SOUTHWEST CREDIT SYSTEMS , L.P .
XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX has added a collection debt to my XXXX report /account in the amount of {$170.00}. This account was previously disputed and removed from my report since the account was not owned by me. This is incorrect and is affecting my report. I ask that they remove this from my report immediately and due their due diligence before reporting debts to consumers accounts..
|
| 08/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
A couple months ago I contacted the company SW Credit systems ( SouthWest ) after noticing them as a collection account on my credit. They advised me it was an XXXX XXXX XXXX bill however I do not have XXXX XXXX XXXX. I informed them it was as an result of identity theft at what point they instructed me to go online to get forms to submit to XXXX XXXX XXXX. I did as they instructed however they still have not removed the item and still have me in their system.
|
| 10/18/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
| 05/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting Act XXXX Account under : Southwest Credit Systems has violated my rights.
15 USC 1681 Section 602 states I have the right to privacy.
15 USC 1681 SEction 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent letters to both XXXX and XXXX on regards to the collection agency with false claims of having an account with them knowing that I do not have any signed contract with southwest credit solutions and they have failed to provide any paperwork or signed contract with them.I sent dispute letters to XXXX and XXXX on XX/XX/2022 and also on XX/XX/2022 and they still have failed to correct the issue and remove the collection account from my credit report.
|
| 02/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.
|
| 05/05/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Stated clearly that only current dated verification materials would be accepted, as a pending FCC complaint is ongoing. Debt collector has misrepresented themselves as being in real-time contact with the original creditor. Presented nearly two year-old material as " verification, '' in direct contrast to the request made. Debt collector has also failed to provide itemized debt verification, and has artificially inflated the amount of debt for their own gain.
|
| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
On XX/XX/XXXX, Southwest Credit Systems called a total of 8 times on both personal cell phone and house phone. The person who they are looking for is in the hospital and is not available to speak but rep continued to hang up instead of hearing situation On XX/XX/XXXX, same issue kept occur when answered. Rep will not speak with person who is handing this issue in honor of the person who they claim owed the debt, very aggressive and rude and hanging up on us
|
| 01/18/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Had a previous complaint with this Company Southwest Credit as to where they were continually harassing a family member at XXXX at all hours using varying numbers. And had been told various times to cease calling. From the previous complaint they are to cease and desist any further contact to me or anyone which they have violated on numerous occasions. Also currently I am in bankruptcy filing proceedings and they need to drop any further attempt to contact.
|
| 02/19/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I have an account from XXXX on my credit report that I disputed because it is 8 years old now. XXXX found in my favor and removed the negative account from my credit report. XXXX dispute somehow says that the debt is still valid. Somehow after 8 years, XXXX is still renewing the date on this debt and it 's still reporting the last being in XX/XX/XXXX. How can XXXX keep reissuing the date of this debt as of it is new when the original date was in XX/XX/XXXX?
|
| 03/19/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX.
SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me.
SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.
|
| 09/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company is trying to collect a debt that is not owed. XXXX has been continually trying to charge me for XXXX phones that were RETURNED to them. I sent this collection company a dispute letter and they never verified the debt, Instead they put it on my credit report and are ruining my credit for an invalid debt. This company is violating the FDCPA. This is a fraudulent debt and this company has not provided me with the requested debt validation letter.
|
| 07/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Assignment clause Notarized letter of debt purchase Signed contract from original creditor I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally
|
| 10/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have never had a contract with XXXX as a cell phone carrier. I have disputed the debt several time with the CRA and have had the debt removed from my report. Yet, XXXX will contract a different debt collection agency and they will reapply the debt to my credit report after I have won the dispute. It 's an endless cay and mouse game. I have asked for proof of the debt from XXXX and I have never received a response showing proof that I owe them anything.
|
| 12/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This appears to be a duplicate account that was sold to a collection agency per a XXXX account I did not open. I reached out to XXXX about this account in XX/XX/2020 inquiring about an account that I did not open inaccurately reporting to my credit reports. They would not assist me because I couldn't verify the account that I did not open but was being negatively impacted by. I asked them to close the account ; however, they would not assist in any way.
|
| 12/26/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
When we moved from XXXX to XXXX, and transferred our service, XXXX charged a {$68.00} equipment fee even though equipment was returned to XXXX. We continued to have XXXX service in XXXX. On several occasions when I called XXXX they said they would waive the {$68.00} fee, but they had apparently turned it over to a collection agency. To date XXXX has not corrected the problem. Poor customer service on XXXX 's part by not following up on their commitment.
|
| 11/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have tried contacting the company to advise them that this is not my debt but I cant get anyone to respond to me. This account came up last year and I disputed this account with another collection agency and it was found to be inaccurate, but now this new agency is trying to collect on this same debt that was proven to be inaccurate. This is not my account and Ive never had XXXX. I dont understand why this is still happening without any notice to me.
|
| 08/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have a loan with XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, XXXX ( Original Creditor : 09 XXXX XXXX ), and SW CRDT SYS ( Original Creditor : 10 XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Multiple discrepancies with original servicer of account. I have an active current account with the original servicer that is paid as agreed. Some how a equipment discrepancy from a previous address was reported as a collection even with me still having active services. I had to go to the branch and suffer through multiple rude and disrespectful customer service agents. Only to prove the error was internal and should never have been sent collection.
|
| 08/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
So this is the 2nd time its been on my credit report I got in contact with the first collection agency and disputed it off of my credit report around early to mid XXXX. Then this new collection agency on XX/XX/XXXX but this back on my credit report but its reporting a lower amount. This debt does not belong to me I have asked for proof and verification with letters. But there has been no response it has been months and its still on my credit report
|
| 06/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Company issued me a statement with a balance due in 7 days. The letter arrived 9 days later. For a XXXX XXXX authority debt on a sold vehicle. The plates were left on the vehicle, which was explained. Nevertheless, the debt collector is pursuing this debt. I have all proof of sale ( XX/XX/2020 by offering to salvage ), title transfer, and other items, yet this firm insists not to respond and approach me with insidious credit damage. Not acceptable.
|
| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit is reporting on my credit reports that I owe them {$150.00}. I have never heard of this company nor do I have any debt with them. They said they are collecting on behalf of XXXX. However, I haven't had a XXXX account in over 10 years and that account was closed and paid in full. I asked Southwest Credit to provide proof that this debt was mine back in XX/XX/2018. The company has yet to respond nor do they follow up with my request.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest sent my a letter attempting to collect debt for an alleg account with XXXX I responded in a timely manner I let them know this account. Didnt belong to me as a matter of fact or just got deleted from my credit report I received no notice that it would be reinserted but southwest decided to insert this account on my credit report a pure violation after it has already been removed. Once again ITS NOT MY ACCOUNT PLEASE REMOVE FROM MY CREDIT
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
After receiving multiple phones calls, Threatening me to pay amount that was already pAid. They told me they would delete Collection from my credit report. They deleted then posted again as a new debt owe for the same collection. Ive asked them to delete and remove this debt but Ive had no success. Please help. Ive asked XXXX and XXXX XXXX or better know XXXX to provide me with documents confirm the removal will be taken care of but been denied
|
| 04/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received several phone calls pertaining to an XXXX XXXX XXXX account that was opened in XXXX Ms , with a balance of {$970.00}. I told the company collecting ( SW CRDT SYS ) for this account that I had never lived in Mississippi and I had no knowledge of the account. I was told that it may have been a case of identity theft, and my name would be taken off the call list. Now this company is reporting this account in my name to the credit agencies.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
They claim that I have a XXXX account 7 years ago and they forward it to collection recently in the amount of {$1400.00} and its southwest credit system, I did contact them trying to explain that this is not my account and they didnt care also I contacted XXXX and they researched and didnt find an account under my name this is a complete false reporting and I need your help to fix it plz I am trying to buy a house and this is effecting me a lot
|
| 07/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by Southwest Credit Systems ( SWC ) who was trying to collect a debt purportedly owed to XXXX XXXX. In its notice, SWC referenced account # XXXX. This is not my account. I called XXXX, and it does not have any record of this account and no outstanding balance associated with my name.
Please discontinue this collection attempt, including calls to my mobile phone, and do not furnish any negative information to the credit Bureaus.
|
| 10/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have an account with Southwest Credit Systems for XXXX with XXXX XXXX. This account is closed and is showing open on my credit report. The account also is showing incorrect charges. Ive tried to handle the issue with XXXX XXXX because they kept charging me when I no longer had the phone and was no longer a customer with this company. Ive requested for the incorrect information to be removed. This account was removed already and has reappeared.
|
| 06/13/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had a two year service agreement with XXXX for cable, internet and phone which ended XX/XX/XXXX. After disputing my final bill for {$130.00} with XXXX, my bill was sent to collection XX/XX/XXXX. It has been sold to various collection agencies through the years and is now with SW Credit Systems. SW has been re-aging the account every six months and currently shows on my credit report as of XX/XX/XXXX, which per the FCRA is an illegal practice.
|
| 09/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never received written notification about this outstanding debt. Under section 605b of The Fair Credit Reporting Act ( FCRA ) both the credit reporting agencies ( CRA ) and the furnishers ( creditors, debt collectors, and other companies that reported that information ) are responsible for blocking that information from appearing on a victims credit reports. I am a victim of identity-theft.
1. XXXX XXXX XXXXXXXX acct. # XXXX bal. {$630.00}
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received debt collection letter from Southwest Credit. Letter claims the creditor, " XXXX '' is owed {$250.00}. I called XXXX regarding the account referenced in the letter. The account was activated in XXXX, and I live in XXXX. The account is not mine. XXXX has asked me to submit a fraudulent account form as well as contact the FTC and credit bureau 's . I am submitting the fraud investigation packet to XXXX as well as submitting this claim.
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
N
otice for Proof of Claim : I was looking into doing a loan for my business and discovered that I was a victim of fraud. Someone has been using my ID the accounts listed were never opened by me. SOUTHWEST CREDIT SYSTEMS, L.P.
# XXXX I have filed a complaint with the CFPB and FTC report as well.
There are some addresses on my credit report that I do not recognize never lived at these addresses before.Please delete the following addresses :
|
| 12/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
A collection agency sent me a notice of a debt I was told I owed from XXXX. I was notified of it in XXXX XXXX. I was told that if I paid the total amount minus the {$110.00} ( a discounted amount ) that the debt would be paid in full. I did not contest the bill, and paid the amount as requested. Now, this 'discounted amount ' shows up as a 'collection amount '. That 's a surprise to me! I kept the letter stating this request, so I have proof.
|
| 09/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This debt was originally with XXXX. I disputed the debt with XXXX Credit services a year ago. Since then they removed the account after there 30 day investigation. Since then XXXX has sent the account to Southwest Credit Company which is a collection company. This company has reported it back on my credit again with there account number. I called this company on the phone and tried to explain that this account has been removed over a year ago
|
| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX XXXX continues to show my account as late, as of XX/XX/2021. I have confirmation of payment in writing from them from XX/XX/2021. I have opened a dispute, but they refused to fix the errors. This has caused my credit to drop 45 points as they have it incorrectly marked as " currently late ''. They also have it marked as overdrawn/overused, but the amount I paid on XX/XX/2021 should have brought that carrying balance well below my limit.
|
| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
The complaint is with Southwest Credit Syste. They are garnishing a XXXX dollar debt on XXXX, XXXX, and XXXX. After receiving my cease and desist they have still contacted me multiple times and have negatively impacted my consumer report which further impacted my life. The account was opened XX/XX/2021. Southwest Credit Syste who is based out of XXXX, Texas have broken many laws under 15 USC 1692. And continue to break them with no recourse.
|
| 04/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX.
I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.
|
| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I was a victim of identity theft and noticed a collection from SW CRDT SYS I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against SW CRDT SYS in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 01/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My information was hacked from a numerous businesses, which sent me letters about it. Southwest Credit system called me while I was at work in XXXX, I ask the representative to send me information about the debt because I never did business with XXXX. The representative stated that she would and I verified by address. Then the next thing I see is that they put it on my credit without send any communication and no verification of this debt.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The company has violated many of my consumer rights. Pursuant to 15usc 1681 ( XXXX ) sharing my information without my direct consent, 15usc 1692 ( e ) false or misleading representation. 15usc 1692 ( f ), 15usc 1692 ( c ) the company never validated any debt, 15usc 1692 ( f ) unfair practices, 15usc 6801 the company violated my personal information. All of these violations negatively affected my consumer reports as well as my well being.
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is from an account shared which my ex had used my ssn without my permission. Obtained phones and lines of service resulting in a XXXX dollar debt. I furnished proof that she owned the debt via text messages, not only sent through XXXX but to southwest credit systems located in texas. They also have posted the debt from years ago as new. It already was disputed successfully and removed from a credit collection agency named XXXX.
|
| 03/15/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On this date XXXX XXXX southwest credit systems open a collection.
{$1800.00} that I own I have never signed any written documents saying that I own this to the collector.
They are violating my right of the FCRA as a consumer.
I do not know who they are and I have not written consent from my end.
Also, they not verified that I own this debit to this alleged company.
Please have this removed from my all the three credit bureau.
|
| 02/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit system reported i owe XXXX. Spoke with req. XXXX. 3 weeks ago ask to send me copy of bill showing I owe XXXX dollars. I never owed XXXX dollars to XXXX. Never had a bill over XXXX. Retuned all equipment. Ask bill collector to remove negative info off my credit report. Have not recd copy of bill or hasnt been removed off my report. Showing up as a new collection. Havent had XXXX since XXXX
Spoke with rep 2nd week in XXXX
|
| 10/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX an account was open under my name for {$480.00}. The company name is southwest credit systems , L.P . The original creditor is XXXX. I am not responsible for this debt. I sent in letters to be disputed And havent heard anything back its been past 2 weeks. Can you please correct this information and delete it from my background. This is having a negative effect on my credit score. Please correct the information immediately.
|
| 07/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Reviewed my credit report seen where there was a collection account from " Southwest Credit Systems '' for an account with XXXX or whomever it is with.
I've never done business with XXXX or this company or ITS affiliates.
PLEASE REMOVE THIS FROM ALL 3 CREDIT BUREAUS ASAP.
I'M ALSO ATTACHING A COPY OF A POLICE REPORT RECENTLY FILED.
THIS IS NOT MY ACCOUNT.
SEIZE ALL COMMUNICATION EFFORTS AND REMOVE THE NEGATIVE INQUIRY EXPEDITIOUSLY
|
| 05/19/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Noticed collection on XXXX credit bureaus from XXXX XXXX for XXXX.
I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus
|
| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
|
|
Web |
|
|
On XX/XX/22 I received a notification from XXXX that a new collection had been added to my XXXX, XXXX, and XXXX reports. I immediately sent a dispute letter on the same exact day by USPS on XX/XX/22 stating to Southwest Credit Systems that I had never did business with them and asked for debt validation and that I was disputing the debt. As of today, I have not received a response from them, it has been almost 60 days with no response.
|
| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I pay on the debt on a monthly basis, and I have repeatedly called in to pay it now that I am aware it is on my credit report. I have been polite and asked the company to stop calling. I most recently paid as much as I could on XX/XX/XXXX, and today, XX/XX/XXXX, I received another call about the debt. I do not have enough money right now to make any extra payments on my debt until XXXX. The name of the company is Southwest collections.
|
| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I AM ATTEMPTING TO MAKE PAYMENTS TOWARDS THE ACCOUNT, HOWEVER THEY ARE REFUSING TO PROVIDE UPDATED STATEMENT AND RECIEPTS TO SHOW ANY PAYMENTS.. AS PER THE COMPANY, THEY ONLY SEND OUT A PROOF THAT THE ACCOUNT HAS BEEN PAID OFF. THEY ARE ALSO REFUSING TO UPDATE THE CREDIT REPORT SHOWING PAYMENTS UNTIL THE ACCOUNT HAS BEEN PAID OFF COMPLETELY. AS PER THE COMPANY I MAY USE MY BANK STATEMENTS AS PROOF. WHICH I BELIEVE IS INSUFFECIENT PROOF
|
| 07/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Services put a collection on my credit report onXXXX for XXXX XXXX and then posted a false payment on XXXX to keep it on report. XXXX XXXX has no record of me having an account with them using my name, address, old phone number and ssn. I have never been contacted by Southwest. If a true payment was made I want to know the account it was paid from because it was not mine. Southwest has many similar complaints on XXXX.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southwest Credit Systems XXXX XXXX XXXX # XXXX XXXX, Tx On XXXX XXXX, 2021, Southwest Credit Systems added a derogatory mark on my credit profile per XXXX XXXX in the amount of {$460.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debt creditor did not verify collection. Also, there was NO written form of communication for contract or signature for the accused debt at all.
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Back in XX/XX/XXXX this was deleted from my credit file from all 3 bureaus. This account was held by collection agency XXXX XXXX. Now on XX/XX/XXXX I'm receiving another collection letter with same company, same amount to which was already deleted. This is illegal and I have proof to submit that this a as in fact deleted. I don't know what practices are being played here but if I am willing to go straight to court and win {$1000.00}.
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX wrongfully placed me into collections. They claim I have an outstanding bill of over {$600.00}, yet they have failed to supply me with proof of the debt via mail. I have not lived at that address since XXXX of XXXX and they are claiming I had service in XXXX of XXXX. At that time I had a tenant living in that house. This is regards to XXXX XXXX XXXX XXXX XXXX. I moved to XXXX in XXXX and we do not have XXXX XXXX out hear.
|
| 08/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received XXXX calls on XX/XX/2023 regarding someone elses debt. Once I told them they have the wrong number, they ignored me and continued asking if I knew this person even after I told them to remove me from their contact list. They are violating the Fair Debt Collections Practices Act just by their action of trying to reach someone other than the exact person that they are searching for and violating the Federal Trade Commission.
|
| 10/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit System is a company I don't know and never signed for its products or services. They have begun reporting on my credit report as missed payments. I do not know this company and I have not signed any contract or asked for any services. I demand this company be taken out of my credit. They must have the wrong person thinking is me.
I have filed a credit dispute and have heard nothing from them or the credit bureau.
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
My credit report has a delinquent account listed under creditor SOUTHWEST CREDIT SYSTEMS, L.P. original creditor listed as XXXX in the amount of {$580.00} opened on XX/XX/XXXX. I have contacted the creditor twice in the month of XX/XX/XXXX trying to settle this debt however they were unable to find an account under my social security number in their system. I have no recollection of opening this account in XXXX or ever in my name.
|
| 07/15/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Southwest Credit Systems is attempting to collect a debt that has been paid directly to XXXX and will not remove items from the the three credit bureaus. The representative stated that they have a " no deletion policy ''. When I asked her to provide me with that policy in writing that she quoted, she stated that they don't have a policy to send me, she was just trained to say that Southwest Credit systems has a no deletion policy.
|
| 01/14/2018 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is a result of identity theft. I have provided the last 2 collection agencies with documentation reflecting this dispute and they ceased and desist collection activity. Now XXXX XXXX XXXX is attempting to collect the same debt even after I spoke to them advising them of the dispute and sent them documentation certified. Disputed debts like this should not be allowed to be collected on ; it is harassment and intimidating.
|
| 09/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have been repeatedly contacted by Southwest Credit ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX ). They call me twice a day on most days, always from different numbers. When I answered their first call over a year ago, I asked them to prove I owed the debt, and they told me to call XXXX. So, they can't even prove to me that it's valid. I did not know that I could dispute it. It is affecting my credit and it needs to be removed.
|
| 11/01/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company continues to report incorrect information to credit bureaus. I have no knowledge of this account on my credit reports. I have disputed this account multiples but I never received the proper verified documents pertaining to this alleged account. I have mailed multiple letters to this company about this account and I have had no response to the letters I've sent. I have not received any information about this account.
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 03/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.
|
| 04/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This number, XXXX, keeps calling my husband without leaving a message. They claim to be looking for me. They said they were Southwest Capital calling about a debt but provided no other information. If you call the number it is an automated voice, and the only option is to give them your credit card to pay a debt.
I checked my credit and am very aware of my financial statuses, I do not have any debt outside of my known loans.
|
| 08/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
|
| 12/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I recently received a copy of my credit report and I noticed a debt that doesnt belong to me. In XXXX 2017 I sent the collections agency a letter asking for debt validation. I never received anything back from the agency and again I sent another letter asking for proof of said debt and still nothing. This debt is not mine and its affecting my credit scores and I have tried to reach out to the agency many times with no success
|
| 03/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt does not belong to me. I have never done business with southwest credit systems. i have never done a credit application nor have i gave then consent to report anything. they have do not have any permissible purpose to be reporting anying on my report. for this is a violation of my consumer right according to the fair credit act. I have never done business with their original creditor XXXX i have had XXXX for years.
|
| 08/31/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting, to my XXXX, XXXX and XXXX consumer reports, false, misleading and harmful information that has resulted in me being denied for housing and has also resulted in me being denied the ability to grant creditors the right to extend me my credit. SOUTHWEST CREDIT SYSTEMS , L.P. has been reporting that I owe an alleged debt since 2017. They have failed to validate any " debt ''.
|
| 08/28/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Older American, Servicemember |
|
XXXX had judgement for {$2300.00}. They turned it over to Southwest credit. On XX/XX/2023 I paid debt off at a reduced rate. Spoke to a person who said his name was XXXX XXXX and said he was a supervisor. Asked for written confirmation and was assured it would be mailed. Called again XX/XX/2023 and was told they would email me. No email, called again on XX/XX/2023 and was told I would have a email within 72 hours. No email.
|
| 09/07/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX '.
However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX '. I have never lived in California. How can I have a relationship with an automobile club from California?
|
| 11/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
2 credit collection companies are trying to collect on the same debt from XXXX. Southwest Credit Systems placed a tradeline on my credit report on XX/XX/2016 and XXXX is also listed on my credit report trying to collect for the same company. I had to look Southwest Credit Systems up on goggle to get contact information. Once I contacted Southwest Credit they had over 5 addresses listed for me and none of them belong to me.
|
| 06/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently received a debt collection notice from Southwest Credit Systems LP. This was for a debt owed from XXXX and during a time when I did not have a XXXX account. After contacting XXXX they noted that the account was fraudulent, at an address I have never lived, and with a person/phone number that I do not know. This is now on my credit report and negatively impacting my credit, despite me never having this account.
|
| 01/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
Repeated phone calls, ROBO calls usually XXXX times a day from SouthWestCredit using numerous different area codes and phone numbers to make the calls. This has been happening for 6 months after I explained to them they have the wrong individual. They are looking for an individual with a completely different First and Last name and address. I have had the same phone number for 7 years with no previous ROBO call problems.
|
| 07/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
Southwest Credit sent me notification of a {$830.00} debt from XXXX. This came thru the USPS. They 've assigned an account # XXXX and their own reference # XXXX. They have " offered '' a discount if I pay within 45 days of {$540.00}. I am current with XXXX/XXXX and only owe my monthly charge of XXXX. They have my name backwards but my correct address. They threaten to report this to the credit bureaus and ruin my credit.
|
| 04/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I checked my credit report in preparation to buying a home and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. I filed Identity theft packets as directed by the police and investigators to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
|
| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I was notified of new delinquent accounts on my credit report, I checked into these delinquencies to find that it was two different collection agencies reporting the same debt for two different amounts ( {$2500.00} & {$980.00} ) as of XX/XX/2018. I am not aware of these debts and have only been contacted by one agency in regards to this debt and asked if they could send in debt validation, in which, I have not received.
|
| 09/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am disputing account number XXXX with Southwest Credit System because I have sent several dispute letters to the credit bureaus and it comes back verified every single time. I have contacted Southwest Credit System to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act.
|
| 06/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX sent me an account for {$62.00} dollars to the company Southwest Credit SYS for collection. My credit history is being affected. I have no service and I did not have service with XXXX. I contacted them twice informing them that the account did not belong to me and that I would not pay for something that I do not use. I have struggled with this situation for over 1 year. They are violating my rights to good credit.
|
| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Southwest Credit Systems is reporting a collections on an account that was opened XXXX. The amount reported is {$180.00}.
I asked them to verify this - sent them a letter in XXXX.
I filed a complaint with XXXX- they researched and removed the reported account from my XXXX credit report.
XXXX XXXX XXXX have not.
I DID NOT OPEN ANY ACCOUNT IN XX/XX/2023. I do not owe {$180.00} but they refuse to verify the debt.
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX-XXXX is horrible. In process if purchasing home. I reached out to them XX/XX/2020 to settle debt. They then placed a dispute on account. Ive been calling to have dispute remove and pay debt. Its a different amount every time. I asked once paid to delete from credit report. They promised it would and it still has not happened. Its paid and still negatively effecting my credit to close on my home. Want it deleted!!
|
| 05/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection agency has opened an account on me for {$480.00}, this is in regards to equipment that has been returned to XXXX XXXX XXXX through the XXXX XXXX by me. I followed the instructions to return the equipment and it was received by XXXX XXXX XXXX . I owe nothing to XXXX XXXX XXXX and request that the account be closed and wiped from my credit files that it is being reported to currently.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit found this collection account on my credit report Southwest Credit System I was unaware I dont recall get any information on this account or any notice to dispute it I did dispute it with Credit they were removed for 4 days and they put it back on. Under FDCPA Law I had to recive action notice and write to dispute the account. I did not. I want this account removed from my credit and throw it away
|
| 05/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I had a XXXX credit score for years and all of a sudden I see a collection report. This is unacceptable. How is it possible for the credit bureaus to add a collection and not inquire the consumer? The collection added hurt my credit score and is not justified! I disputed it with the credit bureaus and they replied within a few days. I was not provided with any supporting evidence. I dont owe the account. Please help.
|
| 04/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a debt that I don't owe and it was reported before and resolved, now a new collection agency is trying again but is not right.
Please help the company is XXXX and is using a new billing company : Southwest Credit Systems , LP this was resolved before and by error, it looks they send it wrong to a new agency.. which is hurting my credit again If you see I have excellent credit that I have been working hard.
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Around XXXX of 2019, I sent a letter to Southwest Credit Systems about a debt I allegedly owe, for not returning some cable equipment from XXXX, I have asked repeatedly for verification of this alleged debt, have received no response, I have even made an offer and attempt to pay, so it can be taken off my credit report, and was refused. I have returned the cable equipment so this alleged debt should not even be owed
|
| 10/19/2015 |
No |
|
- Incorrect information on credit report
- Information is not mine
|
|
Web |
|
|
wrong information on credit my credit report and they know it and will not remove it southwest credit systems credit reference number is XXXX and the creditor account number is XXXX this belong to a XXXX XXXX at XXXX XXXX XXXX XXXX maryland XXXX my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX will you please help me get his bill off of my credit report XXXX and south west has said this is not my bill
|
| 07/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Account number # XXXX Southwest Credit System XX/XX/2023 Certified Mail XX/XX/2023 This debt was settle as agreed by the letter I mail to them Certified Mail that upon acceptance of the said debt that it would be removed upon acceptance of payment agreed upon All three credit bureaus being XXXX, XXXX, XXXX would be removed upon agreement and acceptance of upon agreement There has been poor communication and tactics
|
| 10/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When I looked at my credit report, there was a collection account that comes from Southwest Credit Systems. It showed that I owed a total amount of XXXX debits. But actually, this is not mine. When I contact XXXX to dispute it, they said this debt is under someone else 's name. I believe this is a fraud. Also, there is a closed XXXX XXXX XXXX account that belongs to this guy showed in my report. It's also a fraud.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.
|
| 10/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The XXXX and XXXX Credit Bureau is reporting inaccurate information on SOUTHWEST CREDIT SYSTE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 11/25/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
We received a debt collection notice from Southwest Credit in the mail claiming they were collecting a debt for one of our creditors ( XXXX ). We do not owe a debt to XXXX and are always current with our bill. We also have a monthly automatic withdrawal set up with XXXX, so we know we are always current. We contacted XXXX and verified that we do not owe a debt and also that we have never been sent to collections.
|
| 12/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Im not sure why they will not take this off my report after i have sent in my proof this is not mine ....
I have sent in many police reports and disputes with no real acknowledgement of how these things got on my report and they refuse to tell me how this happened this is my last resort before legal action against all parties involved. identity theft victims should not be subjected to this kind of treatment.
|
| 05/05/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a call on XXXX stating I owed a past due debt of XXXX from XXXX from this collection agency. They are stating that I owe for equipment that I returned. I don't owe this company. I let the company know that I never received written communication from them to have a chance to dispute the debt. They reported this erroneous information to the credit bureau causing my credit score to drop by XXXX points.
|
| 05/04/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This company and its debt are unknown to me and it damaging my credit and livelihood. I do not have any financial relationships, debts or legalities with this company because I have never signed any binding contacts stating such. Its unfair that hat it it on my credit reports of the major credit bureaus and I simply want it removed with no negative remarks or statements due to the lack of permissible purposes.
|
| 07/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
Today, X/XX/17, both of my parents received phone calls from Southwest Credit. When I disputed the debt they are attempting to collect, I told to not contact me or any of my family members. They had been repeatedly calling both of my parents who are in no way associated with the account. Upon checking my phone, I also discovered that they called me after being told not to at XXXX XXXX from phone number XXXX.
|
| 03/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is my XXXX COMPLAINT. I contacted CFPB this week and you have no record of my original complaint from XXXX : # XXXX. I paid this debt to XXXX on XX/XX/2014. I have attached that payment backup. I provided this to Southwest ... to XXXX ... and once before to CFPB. I absolutely refuse to pay this debt twice no matter how long Southwest Collections appears to be able to stall CFPB on resolving the matter.
|
| 05/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
This debt of {$200.00} should haven't been sent to collections as XXXX Reps told me on Pre .recorded conversations on the phone that bill or debt was erased and terminated.
I am in the XXXXXXXX XXXX affordable payment program.
I have a current active account with XXXX XXXXXXXX XXXX with Internet and Cable and paying only {$58.00} a month not {$200.00}.
I am respectfully XXXX XXXX, XXXX and a XXXX XXXX.
|
| 01/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I had an account with them that i noticed was combined with another bill i called and asked for the bills to be no longer combined they did that but then turned around and charged me XXXX for service i was still using at the time. stating that they are charging me for two bills which i had paid while using the service. It is very confusing how they are explaining to me the charges and i want to report them
|
| 03/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I checked my credit report and noticed a negative mark, I called the company and was told its for cable. I explained to the rep I do not have cable, haven't had cable in years. she asked what state I was calling from and she informed me the account was not for the state of NY that I reside in. she would not give me any more information. I told her to please remove the remark from my account she would not.
|
| 06/13/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by the debt collection agency regarding a debt. I informed them that I did not owe the debt. I emailed them a copy of the payment that was given to XXXX XXXX XXXX. The debt company moved forwarded and placed a negative report on my credit report. I have asked them to remove the statement and they refuse to. They simple state " Debt Paid ''. However it was not paid to them but the creditor.
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I have made several contacts with the southwest credit system as well as XXXX XXXX regarding this matter. This is not my account ; this account was addressed at an address that I did not live at. I joined the military in XXXX and was living overseas during the time frame of this account. Before I went to the XXXX, I lived in XXXX, XXXX. I didn't return to the state until XXXX. Please remove this account
|
| 04/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no idea who this company is or any information on this debt. It's not mine, I've not received anything in writing or even a phone call regarding this debt. As required by law the company must validate the debt, give me 30 days to response to their written response and then proceed from there. I want this removed off of my credit bureau immediately and they should be fined for this illegal action.
|
| 12/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a debt collection notice in the mail from Southwest Credit for a XXXX account with a balance of XXXX After contacting XXXX I discovered that a fraudulent account was opened in my name using my social security number.
The account was opened XX/XX/2021 and closed XX/XX/2021.
I have since filed a fraud report with XXXX, frozen my credit and reported a fraud alert with all three credit bureaus.
|
| 05/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit located at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX sent me a letter attempting to collect {$520.00} for a XXXX account that was paid in full long time ago. I sent them a letter disputing the validity of the debt and I attached a copy of a XXXX printout showing that I do not owe them anything. This is a scam that could impact people who do not save receipts or keep track of their bills.
|
| 07/07/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
As part of my agreement to pay the account in full the company agreed to delete the account from my credit reports. The account was paid in full on XXXX/XXXX/2014. To date the company has not forfilled there promise and the account is still on my credit reports. I called the company to follow and they stated that they will not stop reporting the account or ask the credit companies to remove the account.
|
| 07/27/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
although I have a pending dispute filed via the CFPB, I am still receiving repeated phone calls asking for this debt to be paid. I filed a ID Theft Affidavit ( # XXXX ) in XXXX 2014 ; I wrote repeatedly to the XXXX credit bureaus and the collection company in XXXX, this account is still reporting in my credit file. This account was opened after my information was stolen due to a XXXX breach of security.
|
| 07/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
an account was added to my credit report from southwest credit systems L.P. account number XXXX** that is a result of identity theft .... I have never had an account with this collection agency or charter communications in XXXX nc. yet this company has reported this erroneous account on my credit reports when the company is aware that this is a fraudulent account opened with stolen identity information
|
| 07/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018 I entered into a payment arrangement to settle an unverified debt. The agreement was for a specified automatic withdrawal amount which was deducted every month since the agreement which included the cease of any further collection activity and or any negative reporting on my credit report. On XX/XX/2018 I was informed by a credit monitoring service that a collection account was reporting.
|
| 07/22/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
First time they called I answered no one was there and they hung up on me. Now they call twice a day. I do n't answer the phone since I did not know who they are. Upon looking the number up it is from XXXX XXXX XXXX, a supposed debt collection service, that has numerous complaints as a scumbag company. I do not owe anyone money, therefore they have no reason to call. Please put these dirtbags in Jail!
|
| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Today, XXXX/XXXX/15, I was reviewing my credit reports when I noticed a derogatory collections remark added to my XXXX credit report from SW Credit collections Agency. I was caught by surprise because I never received any collections notification with the right to dispute this debt that I do NOT owe. I am dumbfound by such a collections approach. To me this seem to be fraud and defamation of Character
|
| 04/16/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have the same name as my father, he had internet service with XXXX in 2013. He informed me he closed the account. This may have been a credit file mix up but i assure you this is not my debt. I recently discovered this earlier this week. I need this removed immediately because this is effecting my credit and I have nothing to do with this. It was falsely put onto my credit report and I had no idea.
|
| 05/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notice from my credit reporting XXXX that I had a collection account with Southwest Credit Systems. I never received a call nor a letter regarding XXXX or anyone else from this collection agency. XXXX was already disputed years ago and now this is showing on my report out of nowhere. XXXX is also or must be selling accounts to these people knowing it was determined that I do not owe them.
|
| 05/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act Southwest Credit Systems account # XXXX has violated my rights. 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on XX/XX/2022.
|
| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Good morning, As of XX/XX/2022, Southwest Credit Systems , LP alleges that I owe them a debt of {$160.00}. I am not liable for the debt nor do I have a legal written or verbal contractual agreement with Southwest Credit Systems , LP.
XXXX has already removed this account from my credit report. I'm requesting that this information also be deleted from my XXXX and XXXX credit reports, many thanks.
|
| 08/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company, which I hold no contract with nor have received services from, reported a collection account against my ssn in the amount of XXXX . I filed a dispute requesting validation of the debt and account however they have not provided any proof. I am not obligated to this alleged debt because I have no signed or verbal contract with this business nor have I received any services from them.
|
| 12/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/18 this derogatory collection was put on my consumer credit report this is not my debt and was Fraud in this account. for {$500.00} that was sent to a collection company. I have spoke to this company with no avail of responding several times. Under the FCRA guidelines they have to remove this debt that is not proven, this has devastated my credit report. Please assist me in this matter.
|
| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Southwest credit System continuously adds an account that is 10+ yrs old to my credit account and recently when disputed added that I had paid them {$91.00} so they can make it look like it is updated and it is not! They have it incorrectly stated that the account was opened in 2022 when it was not and continue to be fraudulent and use fraudulent tactics for which my next step is the courtroom!
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
This company added to credit report XXXX/XXXX/2016 and shows placed for collection on XXXX/XXXX/16. I have also never heard from this company and when I tried to contact them I have not heard anything back. I have never received any correspondent from this company to know I had a debt with them. I filed bankruptcy with XXXX and not this debt collector because I did not know anything about them.
|
| 02/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received a collection from XXXXXXXX XXXX, in XXXX XXXX I received a collection from a XXXX XXXX. I paid what I owe directly with the city. In XXXX it still show as derogatory mark on my credit score. I called the collection agency gave them all of my info of payment, dates & who I spoke to. Its XXXX now the collection agency has not reported the debt was paid off and the amount is different.
|
| 07/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
From XX/XX/XXXX - XX/XX/XXXX someone I dont know used my identity with my name and social security to open a new account with a XXXX resulting in my account going in collections owing {$550.00}. I never knew till recently I went on all my 3 credit reports to check my credit score and see XXXX on my report. I have never opened a XXXX bill in my life so I definitely knew this was identify theft.
|
| 03/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month.
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest credit systems, l. P. Is furnishing Incorrect and inaccurate information. The account number they have down is incorrect. Southwest Credit Systems purchased a debt from XXXX XXXX. The account number says XXXX XXXX XXXX is simply the wrong account number which makes this inaccurate in incorrect information in Southwest Credit Systems must be removed and deleted from my credit report.
|
| 07/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
There is an account related to my SSN and my name. It was set up in XX/XX/XXXX and ordered some cable services. The user stopped paying for the cable since XX/XX/XXXX and never returned the cable. It charges me XXXX dollars now for the cable and delay fee.
I leave the US country in XX/XX/XXXX and back in XX/XX/XXXX. I never ordered cable and have yet to learn what happened to that account.
|
| 02/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX.
|
| 03/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received notification of a collection account with Southwest Credit Systems while in the process of applying for a mortgage. The account is showing with a date of XX/XX/2015. I have no knowledge of owing XXXX a balance and had paid them as far as I knew. Upon receiving my dispute letter from them, they responded only with a copy of a bill. This does not constitute as verification of debt.
|
| 07/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I contacted this company to let them know that this must be an error. They put this information on my report without contacting me. The original creditor was not owed and also if they were the debt was pass the statute of limitations for collecting due to utilities such as TV, cable, internet and phone has to be collected within 2 years from delinquency. All said I do not owe this company.
|
| 08/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On behalf of XXXX, SW Credit Systems L.P is trying to collect a debt I never owed. I never signed up for this company in the past or had any affiliation with them at any point. Under the FCRA this debt should be deleted off my credit report since it was not verified. On my credit report it is saying that on XX/XX/2016, the account was opened and is now saying I owe an amount of {$240.00}.
|
| 09/14/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I disputed the collection being reported by SW Credit Systems because I have no contract with the company. They responded to the credit bureaus that I did have a contract because XXXX contracted them, however, I had no contract with XXXX either. I have no contractual agreement with EITHER company that would permit SW Credit Systems to report an account as a collection on my credit report.
|
| 10/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received an alert that a collection account was placed on my credit report. Southwest Credit systems violated 15 USC 1692g and Fair Debt Collection Act section 809 ( a ) ( b ) by not giving me the right to dispute this information. I NEVER received any communication regarding this alleged debt. I was notified of this alleged debt via an alert from my credit report monitoring service.
|
| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I was incarcerated at the Texas Department Of XXXX XXXX in XX/XX/2022 and was taken by ambulance to the hospital. I was billed for these services while under the care of the state. I had a pre existing injury called chronic XXXX. On my credit report is the company ..Five star emergency PHYSICIAN. Complaint was opened XX/XX/2022 and I was incarcerated XXXX of XXXX until XX/XX/2022 XXXX
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS is trying to send me a charge for an overdue cable bill, from 5 years ago, at which time we settled the bill. The charge is for 3 months after I moved out of the apartment - after the connection was disconnected. I disputed the same charge with a different collections agency 1yr ago and got it successfully removed, and now it is back again on my credit report.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit Systems ; Please see the attached files, as the account you are trying to collect on was opened as a result of identity theft, and I would like you to immediately stop collection ( s ) on this account and remove it from all of my credit report ( s ) you placed it on otherwise more action will be taken. DO NOT CONTACT ME VIA PHONE, or I will have my attorney follow up.
|
| 09/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have been getting repeated calls from the same number. Finally when I answer a man asks me to verify personal information and does n't disclose who he is, who he represents, or what he is calling about. Finally he says its about a debt ( I have no outstanding collections on my credit report ) but wo n't disclose the nature of it until I verify several pieces of personal information.
|
| 07/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX debt was paid off through an attorneys office, and payments made as agreed with them.
Months after this, I received letters from a different collections company about the same debt. I disputed it since they had added that to my credit report. It was taken down.
Today XX/XX/2021, the same collections is again trying to collect for the same debt. ( South west Credit Systems ).
|
| 05/23/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I checked my credit report and a collection company is listed as belonging to me. I have not received a dunning letter by certified by from this company. They are in violation according to the ftc because I have never signed a contract with this company and they are trying to falsely collect on a debt.. I have attached a debt validation letter and this company needs to respond to it.
|
| 05/31/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest credit has harrased me on numerous occasions about a debt with XXXX . I do not remember the ammount of debt claim to be owed because ive never owned a XXXX account. Furthermore the company is unwilling to show proper documentation ( signatures- original paperwork- invoices etc ) to prove anything otherwise. They wont even tell me the location of the accounts origination.
|
| 05/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I receive a phone call from XXXX saying they are XXXX Credit, that there is a XXXX account in my name, not at my address, that has a bill for {$500.00}. They leave no voicemail, and are never able to answer when you call back. This has been going on for months. I have had my credit checked and fraud alerts on and nothing matches what they are saying is the issue. I need this to stop.
|
| 03/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Debt was paid to SW Credit Systems, for a XXXX bill. SW Credit systems was called and I was told that XXXX would have to remove the debt from my credit report. I then called XXXX and was told that SW Credit Systems should have removed the collection off my credit report beings they were paid.
The collection shows it is still under SW CREDIT SYSTEMS as XXXX XXXX XXXX as the creditor.
|
| 07/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I am in the middle of a home loan purchase and Southwest Credit Systems reported a collection account for XXXX with no notice at all. I have not received a single notice or opportunity to determine if the debt is valid or not. I recently changed plans to be on the same plan as my employer and I paid all presented bills. I should not have any balance. I have no idea what this is for.
|
| 02/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
Southwest Credit Systems keeps calling and will never tell me who they are or why they are calling without confirming my personal information first. I ask why they are calling and they say they cant tell me untill the info is confirmed. All they tell me is its in regard to a personal business matter. I only found the company name by calling the number back and the recording told me.
|
| 09/04/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year.
XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
|
| 03/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX I opened an account with XXXX. The Account was closed on XX/XX/XXXX. I got a derogatory remark on my XXXX credit report, Stating that this account got sent to collections. However I wasnt never notified about this debt and never received the bill. I would like to address this Immediately and either pay off the debt or get this negative remark removed from my report.
|
| 12/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I've sent a dispute letter asking for proof of debt with something with my signature that would validate the business. They've neglected to provide that document and temporarily removed the item. Then added it back with no explanation nor proof that the debt is valid to myself. It is an unknown account with southwest credit system XXXX XXXX XXXX # XXXX XXXX, XXXX for {$220.00}.
|
| 11/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems has apparently obtained old collection information from a XXXX account that was removed from my credit report for over 3 years. They have now put it back on my credit report with an opening date of XX/XX/2019. This is illegal re-aging of a collection account and this debt is not valid. The company also parked the debt on my report and did not notify me.
|
| 06/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American, Servicemember |
|
SOUTHWEST CREDIT CALLS FROM 3 NUMBE RS XXXX , XXXX , XXXX . I WANT THE CALLS STOPPED. THIS HAS BEEN GOING ON FOR MORE THAN 2 MONTHS. MULTIPLE CALLS A DAY FROM DIFFERENT NUMBERS. BILL POSSIBLY ABOUT A XXXX PHONE BILL DEBT. THEY PURCHASED FROM XXXX . I OWE XXXX NOTHING!!!!! THEY ARE CALLING MY HOME PHONE XXXX - PLEASE HAVE THE HARASSING PHONE CALLS STOPPED. THANK YOU.
|
| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
A collection randomly showed up on my credit report from Southwest Credit Systems. I have never heard of Credit Systems nor have I received any contact with them via mail or phone. The collection just appeared on my credit, so I reached out to Southwest credit systems certified mail for them to verify the debt and to let them know I do not agree with the debt and no response.
|
| 09/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE ACCOUNT WAS OPENED XX/XX/2018 AMOUNT OWED THATS REPORTING ON MY CREDIT REPORT XXXX I FILED A DISPUTE THROUGH THE CREDIT BUREAUS FOR IDENTY THEFT I WAS UNAWARE THAT THIS ACCT WAS OPEN I DID NOT OPEN THIS ACCOUNT OR GIVE ANYONE PERMISSION TO OPEN ACCOUNT IT IS CABLE BILL ACCT BUT THEY GAVE TO A COLLECTION AGENCY BY THE NAME OF SOUTHWEST CREDIT SYSTEM ORGINAL COMPANY IS XXXX
|
| 11/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
The debt collection agency recently called my employer to find me. When my supervisor stated that I was unable to receive personal phone calls at work the agent on the phone became incredibly rude, and while she did not use obscene or profane language she was incredibly unprofessional. It was incredibly embarrassing for me to have to speak with my supervisor about this issue.
|
| 05/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest credit systems l.p. violated my rights by not notifying me of my right to dispute.
Item appeared on my credit between XX/XX/2018 and XX/XX/2018, with no prior notification that they had purchased a debt, and that they Intented to report to the credit bureaus. They failed to notify me of my right to dispute.
As this is a clear violation of my rights remove asap.
|
| 06/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
To whom it may concern, I am writing to delete the following information in my file : SOUTHWEST CREDIT SYSTE XXXX It shows that this account was opened in 2020. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. This unfortunate situation affected my credit status which leads to credit denials and higher interest rates.
|
| 08/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a collection on my credit report that has bin paid off I paid the balance in full XX/XX/2020 It was taken of my XXXX but still on my XXXX and XXXX I need this taken off ASAP as it is already paid in full the name of the collector is SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX originally 11 XXXX XXXX FORMERLY XXXX Total Debt amount {$640.00}
|
| 07/08/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
XXXX XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus.
SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you
|
| 03/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Attached you will find the previous response from XXXX who attempted to collect on this supposed XXXX XXXX that was not mine. It was already removed from my credit report previously and now another company is attempting to collect on it.
I am unsure of any account number but my last 4 of my social are XXXX. You should be able to locate my account with this information.
|
| 08/18/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debit with XXXX XXXX. I do not have or never held a contract with the creditors Listed below they did provide me with the original contract as requested I demand the negative accounts be removed from my account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
IT Was brought to my attention that SOUTHWEST CREDIT SYSTE reported an alleged debt of {$540.00} dollars. When i ask them for proper verification they fail to provide mandated documents. original copies of my signature, amongst other specified documents. Then continued to report inaccurate information to consumer reporting agencies. Violating both federal and state laws.
|
| 07/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
Southwest Credit Systems has been attempting to collect on debt that was settled with original creditor/prior collection agency. They have tried to collect on a telecommunication account ( XXXX ) via threatening means ( garnishment/legal filing etc ) and refuse to remove this from my credit report. They are fraudulently representing/attempting to collect on a paid debt.
|
| 02/23/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
southwest illegally reaged my account 2 years. its a collection from XXXX the debt is from XX/XX/XXXX but southwest has decided its from XX/XX/XXXX on my credit report. so now it says it will be on my credit report until XX/XX/XXXX thats 9 years from when the debt happened in XX/XX/XXXX im sure it was on purpose and they like {$1000.00} fines for illegally reaging debt.
|
| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest credit has been calling me constantly. I believe XXXX XXXX sold my information to this debt collector trying to say I owe XXXX which is inaccurate. I feel XXXX at this point. I get Calls almost 4 times a day from southwest credit from different numbers for. I am Truly upset about this and believe I do deserve some compensation from constantly being harassed.
|
| 04/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This was for not returning equipment. When I learned of it previously from my credit reports I made arrangements and returned the equipment ( cable box ). The collection was removed from my report. Then, all of a sudden it appeared back on my report a couple of years later. This is an unlawful collection and the company should be made to indemnify me for my experience.
|
| 07/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have written this company and they refused to respond, saying that my letter came from a company/organization. And they ignored my previous request to provide applications or security agreements that were completed by me to prove the initiating of this account. This account does not belong to me, and I did not initiate such account with them or the original company.
|
| 05/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I recently noticed that my XXXX score was impacted due to Southwest credit systems LP reporting inaccurate information on behalf of XXXX, i currently have only one account with XXXX service and do not recall owing XXXX, i will like full validation including billing statements and signed contract. Southwest credit systems has been reporting that i owe {$58.00} dollars.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit systems on behalf of XXXX have reported to the credit bureaus that I have an outstanding debt in the amount of {$2500.00}. After sending letters and speaking to XXXX of their agents on XX/XX/XXXX confirming that the debt is not mine based on the information they have. This company has failed to remove the inaccurate information from my credit report.
|
| 08/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit Systems at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$190.00} the collection has been reported as unpaid balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature nor did they receive my consent for services.
|
| 11/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have no idea what this collection is regarding. They called me and said they had a PO Box and I told them that I have never owned a PO Box . Then they asked me for my mailing address and I told them if that debt was mine they should have it. I believe that this is not my debt and would like this removed. I asked them to validate it and I have yet to get validation.
|
| 12/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My credit record shows a charge due to XXXX, which I do not believe I owe. XXXX has said there is no record of me owing this amount, and the collection agency continues to ignore my repeated efforts to get information to learn what these charges are for. I am attaching the letters I have sent and have not been successful in removing this charge from my credit record.
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/2021 SOUTHWEST CREDIT SYS reported on my credit report for a mouth off {$86.00} dollars. Ive spoke to XXXX on multiple occasions advising them this account doesnt belong to me. Ive never had a contract with XXXX every rep will advise this account will be taking care of or they are removing it from the system and it never is done. This is fraudulent account.
|
| 07/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
I did not receive a letter or get a phone call from this collection agency, Southwest Credit Systems. Alleged debt {$530.00} reported/open XX/XX/2019 I am not aware of the alleged debt.
Upon further investigation, I learned this agency is not license in the state in which I reside TN to collect.
The collection agency is now reported on my credit report unfairly.
|
| 04/19/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work.
They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did.
They called me multiple times with out sending the validation letter acting very rude.
|
| 02/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Collection Agency : XXXX XXXX Date Assigned : XX/XX/2022 Original Amount Owed : {$140.00} Amount : {$140.00} Collection Agency : SOUTHWEST CREDIT SYSTEMS , L.P .
Date Assigned : XX/XX/2022 Original Amount Owed : {$630.00} Amount : {$630.00} I have reported these items several times as identity theft as I am not the responsible party of these said collection debts.
|
| 01/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent a validation letter to Southwest Credit Systems XXXX via certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate in a notice but they didn't respond. They are currently causing financial injury to me and making it difficult to acquire credit.
|
| 05/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit XXXX is attempting to collect a debt that belongs to a business. I requested a debt verification and all they sent was old invoices but no contract or anything stating it belongs to me. On XX/XX/2021 they reported it to XXXX causing my credit to decrease. They did not wait for a response and violated my rights under the fair credit reporting act.
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
The debt collection company claims that just because XXXX sent statements that constitutedba legitimate claim against me. This is not a true statement. I dispute the bill no matter how many times they sent it. I also take issue with CFPB closing this case early. CFPB claims i had until XX/XX/23 before this would be closed yet CFPB closed this case before XX/XX/23.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A collection agency under the name Southwest Credit is trying to collect an amount of {$83.00} that I do not recall to had with them. Also I dont have any contract or agreement with this Company and I do not own them any thing ... I never gave this company none of my personal Information as SSN, Names, Adress and Phone number and they are not autorize to use them.
|
| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX Keeps selling a bad debt to several collectors after constantly being disputed and deleted from my credit report. First it was XXXX XXXX XXXX which I disputed then XXXX which I disputed and was deleted and now they sold it to southwest credit system. After multiple attempts and constant proof its not my account I will like it to be permanently deleted.
|
| 05/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was a customer of XXXX on a month to month basis and when I moved and cancelled my service I was charged {$140.00} for contract termination. I did not have a contract and did not sign any document stating as such. XXXX has reported the debt as delinquent and sent to a collection agency. I am not paying for a cancellation fee for a contract I never signed or had.
|
| 02/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed a dispute with XXXX advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX three times with no success
|
| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
I closed this account in XX/XX/XXXX/XX/XX/2014 and established service with another carrier. XXXX XXXX XXXX continued to charge/bill me for services, I had closed/canceled. I 've called and wrote letters to resolve this issue with no avail. I mailed a check showing where account was paid in full. XXXX XXXX XXXX never responded to my letters disputing these charge.
|
| 05/18/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit Systems sent several harassing phone calls to my parents and, a few weeks later, sent me a bill saying I owe XXXX {$400.00}. I contacted XXXX which confirmed that my balance was paid and that I did not owe anything. XXXX faxed confirmation of this to SCS. SCS refuses to confirm that they received fax and insists I pay this bill that I do not owe.
|
| 01/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
|
| 01/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have written Southwest Credit several times asking them to very the debt that they claim I owe. They have not provided me with any paperwork saying that I signed my name to a contract, only thing they keep sending out is a Bill. A bill does not validate a debt. I have been a victim of identity theft in the past. All i want is validation that this debt is mine.
|
| 09/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have received a 2nd collection notice related to a XXXX bill for an account that I had not opened. Original notice was resolved over the phone XX/XX/XXXX, I had not lived at given address. Now a different credit company is trying to collect on same XXXX account in XX/XX/XXXX. I am now putting dispute in writing. XXXX does not offer any help in resolving issue.
|
| 02/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was in the XXXX home during the time 's that they claimed these account were open. They all need to removed. The medical record violate my right i did not give consent for them to use this information. Once they gave this information to the their party threy broke the contract. None of this is mine nor have they proved it. all the old stuff need to be removed
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
I made a agreement to pay debt but not own the debt. I ask could they put my agreement in writing and they refuse to but in writing what I agree to pay them because they say it is they company policy not to give a written agreement. It also is not the amount that they company wanted from they phone company the asking me an amount more than what they claim i owe
|
| 07/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
unauthorized use of estate 1 ) Name and address of the holder in due course of the alleged Debt, 2 ) A copy of the original signed Contract and all of its amendments, addendums, between the parties, 3 ) Copy of the original signature for each item listed on the account statements, Verification is to be attested, under penalty of perjury, by a wet ink signature.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Sent a Debt validation request to Southwest Credit according to USC 1692g to validate the debt they in returned sent me paperwork of which is inside the attached files.. They verified the original creditor and that it is a consumer credit transaction This was a Consumer credit transaction, Everyone was credited so there is no need to attempt to collect a debt.
|
| 07/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated calls when answered they hang up. Company says they are unable to stop this harassment unless I provide them with personal information beyond my phone number. Hang up calls once every day or every other day. Frequently using alternating phone numbers making it difficult to track calls. Generally dishonest harassment tactics. Southwest Debt collection.
|
| 09/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notification that I had an adverse account that was posted to my credit report. I called SOUTHWEST CREDIT SYSTEMS & was told that they sent a letter in XX/XX/2018, which I NEVER received. So three years later & with no communication, they slap this on my account. I read the reviews on this company & they are notorious for doing this to consumers.
|
| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
just got a letter from this company, saying that I owe some money to a XXXX account that I closed years ago, I don't owe any money to that company and my apparently debt with XXXX has passed around to some other debt collectors and I tried to talk to the cellular company but they said that they don't have my file and my file was passed on the debt collectors
|
| 04/18/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.
|
| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SW CRDT SYS - They have accepted payment in full as negotiation of settling debt. The attachments to this complaint contain a {$1.00} money order front and back, and a screenshot on XXXX XXXX showing they accepted the {$1.00} money order. They have refused to remove item off credit report and update my owed balance to {$0.00} even after processing payment.
|
| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I paid this collection to XXXX XXXX on XXXX, XXXX. They sold this account after payment to SOUTHWEST. I've already mailed payment proof and receipt of payment received from XXXX XXXX to SOUTHWEST, XXXX, and XXXX. This may represent fraud against me. The collection account still appears in my credit score. I'm in the process of closing on a mortgage loan.
|
| 12/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my final bill to XXXX, sometime in XX/XX/XXXX. I no longer owe them money, or even have an account with them. At least once a week I receive a phone call from Southwest Credit about the " debt. '' I have informed them many times that it has been paid, and I even called XXXX to straighten it out, and I am still receiving calls and letters to my home.
|
| 01/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have communicated with SWC XXXX several times via email and fax regarding XXXX frivolous account that was placed on my credit report. I told them that I do not owe this balance and provided a receipt from XXXX, which state that the balance is {$0.00}.
I request the account be remove from my credit report effective immediately and they fail to remove it.
|
| 04/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XXXX2021 i sent a certified mail to this agency to validate this debt, they failed to do so.
violation under 15 USC 1692g. its been over 30 days and since i am the original creditor and i do not validate this debt or have any signed contract of my signature that this alleged debt in fact exists. I want this account to be removed from my credit report.
|
| 08/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An account with XXXX, now XXXX was opened in my name fraudulently. I have contacted them several times due to not even living in the area where service was established. I have submitted police reports and lease agreements which proved that I didn't live in the area much less start the service. They wont do anything to help me, and it is ruining my credit.
|
| 05/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XXXX XXXX it currently shows that I owe a balance of {$1900.00} to Southwest Credit Systems who is trying to collect a debt on the behalf of 11 XXXX XXXX. I have no knowledge of the company or the original creditor. I currently have a prepaid phone plan. My identity has been stolen please help. This account was opened XX/XX/2020 according to XXXX XXXX.
|
| 04/04/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.
|
| 10/23/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.
|
| 07/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I have some accounts that are not mine that are reporting these are fraudulent accounts the accounts XXXX XXXX XXXXSouthwest Credit Systems XXXX i have filed a police report XXXX pd report number XXXX Officer 's name XXXX badge # XXXX i have also filed a notarized ftc id theft affidavit these accounts have yet to be rmoved as they are a result of id theft
|
| 10/15/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest credit system are trying to collect debt from me that I do not owe. This account was opened XX/XX/XXXX and there is a past due of {$2500.00} as of XX/XX/XXXX. I'm sure that this is a result of identify theft. I been using XXXX for years now and i've been paying my bills on time so I don't understand why there is is so much debt on this account.
|
| 12/16/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received a collection notice from Southwest Credit Sytems LP for a XXXX account unpaid with a total of {$200.00}. I called the credit company, and they could not give any information other than it is a XXXX account. Called XXXX and provided a fraud ticket. The only date is as of XX/XX/XXXX, and the collection letter dated XX/XX/XXXX is the first notice.
|
| 08/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I am making a collection complaint from XXXX XXXX I was with that company I had to pay what I use they should not charge me more payments this company is taking advantage of my mother is out of the country if it is true she has the cell phone with her from XXXX XXXX I am not going to pay an additional charge of {$1200.00} with XXXX XXXX for helping me
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2020 XXXX stating that I owe them {$57.00} they have requested Southwest Credit system to reach out to me which they never did I never received a bill or anything for my final bill and now its on my credit report and I truly believe it should be removed staying as I did not get the right to have a chance even pay it It was never notified at all
|
| 05/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Older American |
|
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill
|
| 05/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a violation of FCRA! {$360.00} was opened with Southwest XX/XX/2023 as a collection on my credit report.
This same amount of {$360.00} was deleted not too long ago for inaccuracy with XXXX ( now its back on my credit report, but as a collection with Southwest in XXXX ) ( Original Creditor : XXXX XXXX XXXX XXXX ). This is a violation of FCRA!
|
| 02/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
XXXX calls constantly. Automated message, leaves number stating to contact if not person they are trying to reach. Receive automated announcement to select XXXX to make payment or XXXX for office hours. No other options! I do not know who they are and have no information to share regarding anyone else. There has never been an actual person on the line.
|
| 06/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems a re reporting to XXXX that I owe a balance of {$250.00} for XXXX XXXX showing that this was reported XXXX XXXX , 2015 . However I have current service with XXXX , and have been well before that date. I do not have an account at the address that is attached to this collection. I have an active account with XXXX .
|
| 04/28/2016 |
No |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.
|
| 04/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
The company reported the account as opened in XXXX on XXXX when the account was opened in XXXX. The account is 8 years old and should be removed from my report, and I tried to resolve the matter with them. I offered to pay in full to remove the inaccurate information and negative reporting they refused. The company is called southwest credit systems.
|
| 02/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I received a notice that my credit report had changed on XXXX and found that a company named Southwest Credit Systems is trying to collect on a debt that I do not owe. They can not prove I owe it per the Fair Credit Reporting Act. I have received no correspondence in the mail. It says this is for utilities and I have never been late on any utilities.
|
| 03/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.
|
| 06/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX /Southwest Credit System reported a debt of {$300.00} owed to XXXX XXXX and XXXX. The debt is not owed by me. I have no knowlege of such debt. XXXX/Southwest Credit system failed to contact me prior to putting this on my credit reports. As such, it has failed to follow the Fair Credit Reporting Guidelines. Please delete it from my credit files,
|
| 12/03/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I sent initial dispute through CFPB and I got a respond of validation shown me screenshots of a billing statement. Southwest Credit says that XXXX says the debt is valid. Okay so I am asking for you to provide me with the contract that bears my signature with XXXX If you are unable to provide that I am asking that you respectfully delete immediately
|
| 06/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Southwest Credit, LP purportedly acting on behalf of XXXX XXXX XXXX XXXX wants to collect a debt that I do not owe. All my bills for services provided to date by XXXX XXXX XXXX have been paid in full as shown in an attachment hereto.
I have sent notices of dispute to both XXXX XXXX XXXX and to Southwest Credit, copies of which are attached hereto.
|
| 02/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted in XXXX by Southwest Credit Systems for a debt owed to XXXX XXXX XXXX. I finished paying the debt in XXXX of XXXX, and as of today XXXX XXXX XXXX has not received the payment from the third-party debt collectors, and Southwest Credit Systems claims they sent the money to XXXX XXXX XXXX. Neither company can tell me where the money is.
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Sputhwest credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had a XXXX XXXX XXXX account that I have paid in full. For whatever reaso n, Southwest Credit Systems will not update the account as paid in full with all three credit bureaus ( XXXX XXXX XXXX XXXX ). I keep disputing the debt, but they keep saying that I owe it. I even have receipts to show that the account has been paid in full.
|
| 02/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX debt collector SouthWest Credit System is attempting to try and collect on debt that was previously removed from collection agency named XXXX XXXX. XXXX XXXX credit agency 's did not verify the account back in XXXX of 2019. This past week the new collection agency reported to XXXX and XXXX. I would like them to remove the attempt to collect.
|
| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
XXXX and XXXX was included in bk XXXX XXXX of virginia. They have transferred or sold debt to collection agency which in return is on my credit report in collections status. They stating the info is correct and will not remove out of collection or off my credit report. Now I getting collection mail for accounts that was discharged thru bankruptcy.
|
| 02/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest credit systems placed a debt that is closed from XXXX. The account was fraudulent and closed. The date showing XXXX XXXX is not the correct date. XX/XX/XXXX I was homeless.
XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX > I currently have XXXX and I dont owe them anything. Attached is my current XXXX bill showing you active XXXX account<
|
| 11/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems at XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX, has added an collection to my credit in the amount of {$120.00}. This Collection has been reported as " past due balance and unpaid. '' I do not know of this company and I have never done any business with this company. This company does not have a contract with my signature.
|
| 06/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX has hired SW credit systems after a debit that was already contested by myself last XX/XX/XXXX. XXXX nor the previous debit collector ever sent proof of debit or notification that any amount was standing.
I have included the previous complaint number for this very same debit. XXXX
XXXX and SW credit systems are in violation of the fdcpa.
|
| 12/21/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
On my credit report I am showing a past due balance for the XXXX XXXX XXXX at XXXX XXXX which has been paid in full since XXXX XXXX, 2017 which should have been rectified to all three credit bureaus. I was told once the issue is resolved my credit score will increase or will go back to what it was before I had this debt which I slowly paid for.
|
| 09/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I owe no debt to anyone except my home finance company & automobile finance company. This number ( and many others with the XXXX ) calls constantly, then hangs up. If I didn't already have at least 10 or more scam/spam/phishing calls and texts a day, I'd just continue marking their numbers as such ( with HIYA ) ... this is astronomical though.
|
| 05/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone opened services with XXXX XXXX in my name without my knowledge. I sent the paperwork to XXXX and at the time the removed it off my credit report. However now some other company is listing this as mine and I was a victim of Fraud which was already proven some time ago. This Southwest Credit Systems in the amount of {$110.00} IS NOT MINE
|
| 02/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this account and have never been under contract with this company. I have tried multiple times to reach out to the company with no response for indefinite removal of this account that they keep trying to put on my credit report, in turn causing my credit score to drastically drop in the middle of my home buying process.
|
| 01/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Someone opened an account in my name which caused a debtor status to be placed against me. Now I am taking this step remove this potentially fraudulent information from my credit file. Moreover I do not recognize the account number listed for these item reporting nor do I recall establishing an account with the collector nor there predecessor
|
| 09/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have sent two letters of dispute in which validation of this debt was requested. The only thing that was returned to me was copies of statements from XXXX with an address where I have never lives. The FCRA guidelines have not been followed. This debt was originally disputed with XXXX but was sold to a collections agency without resolution.
|
| 07/07/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
|
| 03/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
These matters are at a minimum intentional gross negligence and at worst just plain fraud, SOUTHWEST CREDIT SYSTEMS XXXX, I have a unverifed account with your office and I do not recall ever having done any business with this company. I believe this account to be a HIPPA violation and I would like to see the contract for business of service.
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.
|
| 12/08/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a charge for {$440.00} from Southwest credit systems for XXXX for an account that it claims I opened XX/XX/20 that is showing up on my Credit report with XXXX and XXXX. I just called XXXX and they said they do not have any information on this charge. I disputed it on XXXX a couple weeks ago but I haven't seen anything done as of yet.
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed my credit went down significantly, so when I checked my credit, I noticed there was fraud. Someone used my name, spelled incorrectly " XXXX XXXX '' to open an account under XXXX & now Southwest Credit is trying to collect $ XXXX from me for months worth of XXXX bills. The collection was opened XXXX XXXX 2021. The account # : XXXX
|
| 05/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
In XX/XX/XXXX XXXX reported a fraudulent debt to my credit, I submitted a fraud statement and the debt was removed.
XX/XX/XXXX XXXX notified me SW Credit reported a Collection account with the original creditor being XXXX with an open date of XX/XX/XXXX. This debt is fraudulent and should not had been bought nor reported to my credit file.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest Credit Systems is reporting collections to both XXXX XXXX XXXX accounts in the amount of {$1000.00}. I have requested validation of debt multiple times and have not received anything as of date. The most recent debt validation letter was sent to Southwest Credit Systems via certified mail on XX/XX/2023 to obtain more information.
|
| 10/22/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection company Southwest credit systems keeps reporting an account that is not mine and reporting it as new debt on my credit report. keeps reporting new open dates on debt they purchased that is not mine. reporting it as a loan. reported that i opened an account with them om XX/XX/XXXX 2019. this is not true.. and account is not mine.
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This debt came from XXXX XXXX who reported the debt to XXXX in XX/XX/XXXX however I submitted the receipt and they sent a letter they would remove the information. In XX/XX/XXXX now the same debt is with Southwest Credit Systems. I asked them more than once to remove this inaccurate information however it still remains on my credit report.
|
| 04/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
I had a XXXX debt from XX/XX/XXXX that was discharged through bankruptcy in XX/XX/XXXX. In XXXX XXXX, XX/XX/XXXX SOUTHWEST CREDIT SYSTEMS, L.P. reported this debt to the credit bureaus. This debt was discharged and this company should not have reported 2 years later and try to keep collecting this debt. I want this out of my credit report.
|
| 01/23/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SW Credit systems I went in to XXXX XXXX XXXX and settled with them in full in XX/XX/XXXX2016. Spoke with several representatives that there was no balance and just phoned in today. This is not my debt and i want this removed off of my credit. You will see the last payment and settlement amount attached. Please remove my file immediately.
|
| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have contacted both southwest credit systems and XXXX to have collections removed from report. I have submitted paid in full letters and talked to both parties AND credit bureaus but they keep giving me the run around. One company is saying it 's on the other company and another company is saying it 's the other one. I need it removed.
|
| 08/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Southwest Credit System XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. In the amount of {$1800.00}. I have made serval attempts dating back to XXXX of XXXX, making serval disputes against the company. I do not know this company. I have never done business with this company. This company does not have a contract with my signature on it.
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
Original account was XXXX for cable service. Service was discontinued and all equipment returned. My account was turned over to XXXX, XXXX and SW Credit in the amount of XXXX related to equipment fees, even though all equipment was returned to XXXX. Both companies have been unresponsive and reporting collections on all 3 credit bureaus.
|
| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have been contacted incessantly and at all hours by various representatives of " SW Credit Systems LP. '' They claim I owe {$260.00} to XXXX from XX/XX/XXXX and on XXXX listed this is my XXXX credit file. I do NOT owe " SW Credit Systems, LP '' ANY balance whatsoever nor anyone they claim to represent, including XXXX .
|
| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a derogatory credit mark from XXXX in XXXX XXXX. I called and filed a complaint and they said they would remove the derogatory mark.
8 months later, its still on my credit. I called later, and now they cant find my account, even via SSN, Email, address, zip, nor any way to remove the credit derogatory mark from my account.
|
| 10/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I don't know where this came from. I have been using XXXX for the last ten years. This is some new report from XXXX. I researched that it is an internet provider. I have not ever used this service before. This is the result of identity theft obviously. I will not be paying this as it is not my debt. It needs to be removed immediately.
|
| 04/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On Thursday XX/XX/2021 I setup a payment to pay in full two XXXX collections that were with Southwest Credit.
Reference No 's are as follows : {$250.00} XXXX {$1800.00} XXXX Both accounts are paid in full and closed, but XXXX has yet to update the credit report. I feel as if I have been scammed and this company is not apart of XXXX.
|
| 06/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Notified debt collector about verification of debt. What was sent back does not verify that XXXX XXXX XXXX owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.
|
| 05/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them.
This COMPANY IS XXXX and they were paid off in full.
My name is XXXX XXXX XXXX XXXX LA XXXX
|
| 11/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Noticed today XX/XX/2021, on my credit report. Again, Southwest Credit System has placed a statement status as saying, " {$120.00} balance, Seriously past due/assigned to attorney, collection agency, or credit grantors internal collection department. '' Again, do not know this company.
SWC needs to speak with the Original Creditor.
|
| 02/07/2018 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
Company calls from the same number every day. I spoke to them in the past and expressed that I have never done business with them. Each time they want me to reveal personal information. I asked them several times to refrain from calling and to use the US Mail if they want to communicate. They have been calling daily for over 4 months
|
| 10/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I keep getting calls from SWC stating that XXXX says I owe them money. I haven't had XXXX-XXXX in years. My cell service is through XXXX by XXXX-XXXX and has been for the past several years. I told them not to contact me on the phone when they called that I don't owe that debt that I don't even have XXXX and haven't for a long time.
|
| 03/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
Southwest credit claims I owe them {$450.00} for XXXX I was a victim of identity theft in 2022 to somebody else has made this bill not me and I keep telling him that but XXXX doesn't want to believe that for some reason they harassed me over 20 times a day to tell me they're going to lock me up do all this and I've had a bait of it
|
| 12/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.
|
| 09/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I believe one of my family used my information to acquire cable internet from two different companies. I had recently turned XXXX at the time of this transaction. I was still finishing up my XXXX XXXX of high school. I didn't have a job. how can I sign up for two different cable providers? Became aware of this claim from XXXX XXXX.
|
| 09/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
All of a sudden I had an alert that a negative collection was on my credit report on XX/XX/XXXX. Upon investigating it appears Southwest Credit our of XXXX, Texas it opened a collection on XX/XX/2018. It says I owe XXXX. I needed service with them 2 years ago due to poor coverage and a XXXX owed. Never received a final bill either.
|
| 03/20/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Have XXXX on my account from this company never have had any info on what is for on my trans union report the number is XXXX and the second is XXXX do n't know what they are for we have had XXXX XXXX for years and the other says insurance and we have had XXXX for years so no clue and never been contacted about these or had any info
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX is refusing to remove a collection item from my report from XXXX, stating that i owe them {$600.00}. I have been a very good and active customer with XXXX which is now XXXX, since the beginning of XXXX. This information is inaccurate and doesnt make sense. Either someone has used my information or has stolen my identity.
|
| 01/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
on XXXX-I spoke with SW Credit Systems in XXXX TX and agreed to pay the reduced amount of {$80.00} for the so-called money I owed to XXXX for {$120.00}. My XXXX XXXX has dropped to XXXX. I have never had XXXX XXXX. I appreciate any assistance that you can assist with. The collection is still on my account for all 3 Credit Bueraus.
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company is reporting an old account originally reported in 2016 as a new collections account to all 3 credit bureaus. This process will allow the negative account to remain on my credit report longer than the 7 years legally allowed. This is also making me appear as a higher risk by showing a new account on my credit reports.
|
| 11/10/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A collection agency named SW Cred Sys just started reporting a collection account on my credit report for {$130.00}. Prior to noticing this collection account appearing on my report, I never received any notice about this debt. I have no idea what this is, and have been unable to get a response from the collection agency about it.
|
| 08/12/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have notified Southwest Credit System that I was a victim of Identity Theft and that this account do not belong to me. I provided XXXX with an Identity Theft Affidavit. To date, Southwest Credit System have not removed this account XXXX XXXX XXXX from my credit file. So, I am asking for your help in getting this matter resolved.
|
| 09/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Upon checking my credit report I noticed there is a collection from southwest credit systems thatsi have no knowledge of. The date is listed as XX/XX/. The amount is for {$1800.00}. They have put it on my credit report and when called I was told it was for a XXXX cell phone account, and Ive never had a contact with that company.
|
| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a written notice to XXXX XXXX who acts as ceo of Southwest Credit Systems that I the consumer am invoking my right of rescission pursuant 15 usc 1635 in good faith. Certain information in this contract was not disclosed to me. Please delete all of my information, rescind all signatures, and return all money in good faith.
|
| 09/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money.
They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.
|
| 07/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a notification from the three major credit bureaus that South West Credit Systems flagged my account for a collection. The original creditor XXXX was paid a long time ago and took the difference from my last policy payment to satisfy my account. This company is ruining my credit and deserves to be handled accordingly.
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/XXXX THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 07/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have a pervious account which has been sent to collections i have been making {$20.00} payments every month because that is all i can afford. This company calls 4-5 times a day all hours. I have sent a few letters asking they stop harassing me the payments will be made until its paid off but they still call every single day..
|
| 09/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After attempt to validate debt, company responded poorly with all answers. XXXX previous complaints filed with CFPB about company. After complaint filed, previous collections debt on credit report removed and another debt placed for different amount and different account number, same " creditor '' named. Why is this occurring?
|
| 07/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I paid the original amount off with debtor XXXX XXXX. I also turn in the equipment. I find out the person in the apartment next door. Was using my info I report him. It was a fraudulent account. XXXX says my account is zero paid off and delete. But The collector is abusing me saying I owed {$200.00}. Calling me and writing me.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 07/20/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest credit system is trying to collect a debt, i requested the validity of the alleged debt, they havent responded to date. They are harassing me by calling me 3 times a days using different numbers. I am requesting the validation of this debt and cease and desist. I will be sueing Southwest if they dont leave me alone.
|
| 01/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 09/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
|
| 02/10/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
|
|
They call me all the time every day and Threatening, if I does not give my name and address the will damage my credit bureau. I answered, I do not have to give private information to anyone by phone and they insist. This action is repeated multiple times a day. The Agency name is Southwest credit system.. Phone number is XXXX
|
| 10/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is trying to collect a supposed debt that is not valid. Phones were returned to ATT utilizing the shipping labels provided by XXXX as requested by the representative at XXXX. These phones were delivered back to XXXX however they refuse to fix the issue. Instead they are damaging my credit for FRAUDELENT charges.
|
| 04/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have never heard of SW CREDIT SYSTEMS until today when I checked my 3 credit reports. Back in XXXX, this company listed a new collection account not once, but TWICE, days apart on my credit reports. Major hit.
I dont know this company or this {$250.00} that is attempting to be collected from me.
Sounds like a huge scam.
|
| 05/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
" SOUTHWEST SYSTEM " I see service with that company under my name in a credit report and I have no clue about it, no knowledge at all regarding this.
The service was opened on XX/XX/XXXX at {$1700.00} and up and right this month of XX/XX/XXXX the bill is now {$1900.00} up. I need help regarding this matter. Please Help!!!
|
| 10/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Last year I disputed an alleged account from XXXX for {$710.00}. This account wasn't mine and after debt validation and countless disputes, it was proven the account was not mine. Company didn't have proper documentation to tie me to the debt. As a result, the account was deleted from my credit report and I have the proof.
|
| 09/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt on my credit report for {$340.00} from a company called S.W credit systems.I have no idea what this is from.or why it is on my credit.I have never done any sort of business with this company. I tried looking up the company 's number and called the number I found but couldn't get through to a representative.
|
| 09/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Southwest Credit Systems says I owe an account to XXXX XXXX in the amount of XXXX opened in XX/XX/XXXX. This is not possible since I have been incarcerated in the Colorado Department of Corrections since XXXX. They have refused to validate the debt and provide original copy of the contract. I gave them 60 days, no response
|
| 10/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
|
XXXXXXXX XXXX XXXX bill that's your company says I owe. Can I be sent original contract with a wet signature. 2. The creditor information name address phone number 3. Itemized billing associated with account. 4. Proof of ownership provide proof you are authorized to collect payment and also legal to collect in Wisconsin.
|
| 04/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit Systems sent me a collection notice for a bill from " XXXX XXXX XXXX ''. I have never missed a payment for any bill, including my Internet bill. Further, my ISP is XXXX, which is a brand of XXXX XXXX. XXXX hasn't been around since 2016. I called XXXX to confirm my account is in good standing, which it is.
|
| 09/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX offers me a settlement of XXXX to settle the account. When I called back it went up to XXXX and said that was never offered. Said the would review the call and call be back. They called after the settlement due date to say I owe the full ammount. Of XXXX They also like to auto dial my cell and hang out when I answer.
|
| 06/12/2016 |
No |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
Southwest Credit Systems ( XXXX ) XXXX, keeps calling my telephone number looking for a XXXX XXXX. I have tried contacting them several times asking them to stop calling my number for this person because I do n't know who this person. They called ( robo call ) me today Sunday, XXXX XXXX, 2016 at XXXX. I want them to stop!
|
| 03/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I receive a collection on my credit profile from southwest credit XX/XX/2023 was date open in the amount of {$380.00} it was charge off on XX/XX/2023 as a collection but I have a paid in full letter stating that the balance was paid I ask that it be removed from my credit profile immediately or legal action will be taken
|
| 06/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX, XXXX, TX XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$500.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 06/01/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a charge on my credit fro m Southw est Credit i n the amount of XXXX . They said that it is from an alarm company which we had but when I asked what the charges are for they ca n't explain that to me. I asked them to remove the charges if they ca n't explain what the charges are for and they said they would not.
|
| 08/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I do not know SOUTHWEST CREDIT SYSTEMS nor how they got my private information without my consent. They are reporting inaccurate information to my consumer report. I demand you remove my information from your system, remove from every consumer reporting agency, XXXX out the alleged account, and take care of the invoice.
|
| 07/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have informed Southwest Credit This debt was pursued about another Collection agency XXXX who was unable to prove I owed this The person XXXX sent to get equipment turn cable on at my address I do not slowed this debt the person they hired to pick up there equipment does. I asked for my original signature on this debt
|
| 06/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit is continuing to attempt to collect on a debt that is a result of identity theft. I have mailed several request because they told me they don't have a fax number but they deny receiving anything. I'm now asking you to help me resolve this matter. i have saved and will upload information for your review.
|
| 11/19/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I processed a separate complaint on XX/XX/XXXX and have not received the response i 've been looking for. This southwest credit sys company is obviously in a separate world and feels like the rules do n't apply. The government should shut companies like this down. I 've uploaded some documents relating to this. Thankyou
|
| 12/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEM LOCATED AT : XXXX XXXX XXXX XXXX, TXXXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$390.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
|
| 05/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has a collection against me showing up in my credit report on behalf of XXXX indicating that I owe {$740.00} which is incorrect. I have no knowledge of this account, I do n't even use XXXX I use XXXX . I want it removed its damaging my credit score. Its been there for almost a year now. Please help !
|
| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
I have written several letters and given affidavits to the credit bureaus along with each company listed with police reports, letters and reported them to other related organizations, Matters still not resolved it has been a few years with evidence of these alleged debts and violations! 15 USC 1692g Validation of Debt
|
| 06/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest Credit System XXXX XXXX XXXX, Suite XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of {$910.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
|
| 09/21/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest collections. Never advised me of a debt. Also it's not mine. They don't have my social. They claim it's cable equipment from 4 years ago. The original creditor never reported to my credit report. They purchase an old cable equipment debt and put it on my credit without notifying me. Then say I owe XXXX. XXXX
|
| 07/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone open a XXXX account in my name that lived in Washington DC. Southwest Credit is trying to collect {$330.00} from me for an overdue bill. I received a letter from Southwest Credit on XX/XX/2022, informing me to file a fraud claim, I informed them that I never lived in Washington , DC., and this is not my bill.
|
| 05/21/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Open XX/XX/2020 ( 2mos ) Account Status - Open Type - Collection Account Responsibility - Individual Remarks - Placed for collection Original Creditor Name - XXXX XXXX XXXX Closed - No Infromation Balance - XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This Contract was cancelled
|
| 03/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found this debt on my credit that I never opened. This company saying I opened an account with XXXX XX/XX/2020. I need to know what legal steps to take this false claim off my credit. I don't know how this happened but this must be taken care of immediately!!!! I disputed this claim through XXXX and they denied it.
|
| 08/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The 3 Credit Bureaus are reporting inaccurate information on SOUTHWEST CREDIT SYSTEMS. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST correct or remove this immediately, I don't think this collection is 100 % accurate.
|
| 05/03/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Checked XX/XX/2020 monthly credit report and noticed that the following company has included deragotory info on credit file I have no knowledge of the company, debt amount reasons for debt Need origination of company, -What -When -Why -How Southwest Credit System XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX amount {$68.00}
|
| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Received a call from creditor in XXXX about collection informed them that this was the 3rd collection agency i have heard from creditor claimed they we're disputing with original creditor shows up on credit report call them they thought it was a joke and claimed i was only able to file a dispute by mail then hung up
|
| 05/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Debt collection was opened XX/XX/2016 for the amount of {$140.00}. This account opened without my permission with my personal information. I did dispute on my own and Account is now showing closed.
I am not responsible for this account and should not have to be effected for the negative impact on my credit report.
|
| 01/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Southwest Credit ( SWC ) is attempting to collect {$290.00} from me. This amount was referred to them from XXXX XXXX. I requested documentation that would delineate the charges but have not received an adequate response. The SWC credit representative I contacted today could n't explain details of the disputed amount
|
| 12/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I do not have anything on my credit reports with this company, Southwest Credit Systems. They call non-stop every single day and never leave a message. When I block the number, they call back with another number. I looked them up online and they are doing this with hundreds of people, many said they are fake debts.
|
| 02/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I move and asked for my final bill be sent to my new address and nerver recieved a final bill to date. This was put on my XXXX and I disputed it and it was taken of my credit report. Now they sent it to Southwest Credit and they are calling me at work. XXXX XXXX needs to be investgated on there billing procedures.
|
| 08/15/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SOUTH WEST CREDIT IS FRAUDLENTLY TRYING TO COLLECT A DEBT WHICH HAS BEEN DELETED FROM MY CREDIT YEARS AGO AND THEY ARE NOT EVEN LEGALLY AUTHORISED TO COLLECT THE BEBT NIETHER REPORT TO THE CREDIT IN AN EFFORT TO DAMAGE MY CREDIT Creditor Information SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contract with these companies. I do not recall doing business or applying for these accounts, please see the following : XXXX XXXX # XXXX, SOUTHWEST CREDIT SYSTEMS # XXXX.
|
| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a collection letter with an allege owed debt of XXXX from SouthwestCredit dated XX/XX/21. In the letter SouthwestCredit failed to comply with Federally Protected Consumer Rights. On XX/XX/21 I sent SouthwestCredit a affidavit of truth along with an invoice, cease and desist, and the contract for proof.
|
| 01/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
3 years ago maybe longer debt for XXXX XXXX was XXXX and it affected my credit score lowering it from that point my credit went up to XXXX and this XXXX debt was REFRESHED on my credit score how can they resubmit a debt for collections that affected my credit score AGAIN I am confused by this can someone help me
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.
|
| 06/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
South west credit systems the company involved calls me before XXXX XXXX and nonstop throughout the day, when I ask them to send me a letter through the mail stating the debt I owe them they get offended and defensive, I ask them to set up a payment plan and they get rude, it 's just nonstop calling all day
|
| 11/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
XXXX as of XXXX/XXXX/2016 has identified XXXX accounts opened under my name and my ssn all in the XXXX area. I have never lived there in 51 years. the company is fraudulently using my info and then selling it to credit collectors and reporting it on my credit. i have reported it to police and notified creditors.
|
| 04/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is a XXXX XXXX cell contract I signed as a XXXX for XXXX XXXX XXXX XXXX XXXX when out of business The debt was with a different collection agency XXXX XXXX XXXX I file a Consumer finanse Complaint and it was removed Now it shows up with a different Collection agency Southwest Credit System When does it end
|
| 02/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt is already paid with the original creditor and they agreed to remove the negative information and collection from my account with 24 - 48hrs.
The collection agency just updated and reported the collection account to another credit bureau and I would like them to stop since the amount was paid in full.
|
| 04/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
This fraudulent account I have contacted Soutwest credit about multiple times will not remove this collection account from my credit reports, after I asked for proof this is my debt the only sent me a bill, a bill is not a justification of debt. They never sent me a signed copy of my contract with them or XXXX.
|
| 05/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Collection account appeared on credit report for ALL 3 bureaus and I have NO knowledge of this debt.
Alert Date XX/XX/XXXX Source XXXX Company SOUTHWEST CREDIT SYSTE Address XXXX XXXX XXXX # XXXX XXXX, TX XXXX Phone XXXX Activity Collection Department/Attorney/Agency Balance Date XX/XX/XXXX Balance {$250.00}
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is NOT MINE! I'm sick of these false amounts on my credit! I do not owe any such debt. This is a issue from the breach! I have contacted my attorney and they have sent a formal letter to this company. Please stop all reporting for this account. Not mine! I never owed this! Never had this account!
|
| 01/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit systems is reporting a debt on my credit report and I never had a account with this company please verify this information with the original contract signed if this information can not be provide please delete all inaccurate information also please fill out attached documents and return then.
|
| 10/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have contacted SW Credit Systems several times about the account being reported on my credit report. I paid the account off with XXXX XXXX XXXX and XXXX XXXX XXXX stated the collection would be removed from my credit report. To this date, the account has not been removed from my XXXX or XXXX credit reports.
|
| 02/12/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Recently, from my credit report, I noticed that a company call " SouthWest Credit System '' reported a collection account to the XXXX credit agencies. I do n't think that I had ever received any written notice from this company about the collection account, neither any notice of right to dispute this account.
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
I noticed this account on my credit profile in XXXX and sent numerous letters requesting an original contract that this account was opened by myself. They never sent me a signed contract. This has been on my credit profile for far too long. I do not have a contract with Southwest Credit Systems or XXXX XXXX.
|
| 12/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit systems reported a collection account on my credit report for {$730.00}. The original creditor is reported as XXXX XXXX. I was not aware of this account. This is fraudulent account. This may be linked to another fraudulent account opened under my name with XXXX as a result of identity theft.
|
| 03/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies.
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
AFTER 697 DAYS SUDDENLY A CREDIT COMPANY SAYS I OWE XXXX XXXX {$520.00} BUT XXXX XXXX REFUSES TO PROVIDE A FINAL BILL MY CREDIT CARD COMPANY CONFIRMS MY LAST PAYMENT. I HAD TO CHANGE PROVIDERS WHEN I MOVED FROM XXXX TO XXXX AND I HAD TO PAY XXXX XXXX IN FULL WHICH I DID INORDER TO KEEP THE SAME PHONE NUMBER
|
| 12/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I started getting calls from southwest credit lately at least 4 -5 times a day and they don't answer my questions about the debt in question & this so called debt being acquired so many times by different company and I ask for the debt in written & I can't get the info send to the address they have on file.
|
| 04/18/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I'm filing this complaint against Southwest Credit Systems for not providing proper and timely proof of validation of debt-based upon the FCRA. I asked for this on XX/XX/2022 and have yet to receive that proof. I'd like to document this complaint as inaccurate and without valid proof.
Thank you, XXXX XXXX
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company Southwest Credit Systems. I did not open or authorize this account, and I request that it be closed immediately.I have never dealt with your company or the company that you represent.
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest credit systems has furnished information on credit file regarding XXXX bill. Made contact with XXXX and company unaware of debt. In addition requesting signature for contract. This company has furnished, unfurnished, furnished on credit file. This is unacceptable and a violation according to FCRA.
|
| 08/14/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company has the debt on my credit report as well as my twin brothers credit report. They think we I am Using an alias. The debt is not mines or his. The company wants us to pay them {$410.00} for the debt. It was first reported on my account when I noticed I was a victim of identity theft in XXXX 2016.
|
| 08/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I would like to note that reaging of the account as occurred. That it has switch collection agencies multiple times. I have documentation from XXXX stating that it was so sent to collections in error, yet this debt keeps being resold and I would like it permanently removed from all credit bureau reporting.
|
| 11/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have a collection on my credit that is already paid off that I would like to be taken off the collection is paid in full with, SOUTHWEST CREDIT SYS Originally XXXX XXXX XXXX XXXX Could please help me remove this off of my credit reports they are also still calling me to collect when the debt is paid off
|
| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$250.00} past due as of XX/XX/XXXX.
Status Updated XX/XX/XXXX XXXX {$250.00} Balance Updated XX/XX/XXXX this is affectting my score and has caused it to drop.
|
| 01/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Called on these dates and violates the law. This is considered harassment. I have never done business with this company.
XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was reviewing my XXXX XXXX information in XXXX XXXX and saw that Southwest Credit Systems is in collections for {$1500.00}. The company has not sent me anything regarding this debt and I do not know what the debt is for or any information about it. I want this collection removed from my credit profile.
|
| 01/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
A certified letter was sent asking to validate my with Southwest Credit, they failed to do so. I do not owe Southwest Credit, nor do they have any contractual agreement for payment from me the debtor specifically. Therefore, they must remove such inaccurate and negative information from my credit report.
|
| 05/18/2023 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Original Creditor XXXX XXXX XXXX XXXX : Southwest Credit Systems Balanced Owed {$620.00} Date Opened XX/XX/2021 This collection does not belong to me. My father and I have the same name and his information has crossed referenced with my information and it has caused issues with me verifying my identity.
|
| 02/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX I checked my credit profile and notice that a collection was on my report from SOUTHWEST CREDIT SYSTE ( Original Creditor : XXXX ). I have never had XXXX or any affiliation with this company so someone had to use my identity information to obtain this account and I need this removed immediately.
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit System # XXXX has been attempting to collect a debt that I have requested several times to be verified due to the being unaware of where this is originating from. I have not received any mailed documents per my request and this is in violation of my consumer rights to confirm the debt.
|
| 01/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I started recieving unwanted phone calls from southwest credit collections agency from phone number XXXX they would call me at work I work Monday through Friday XXXX XXXX to XXXX I had to block them because they call multiple times they even spam me with phone calls 3 calls in a row just a hour apart
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I HAVE TRIED TO FIX THIS ISSUE. THESE COMPANIES WILL NOT REMOVE THESE ITEMS OFF MY CREDIT REPORT. THEY ARE REPORTING FALSE INFORMATION ON MY CREDIT REPORT. I'VE SENT LETTERS REQUESTING THE ORIGINAL CONTRACT WITH MY WET SIGNATURE. I HAVE NOT RECEIVED ANYTHING. I WANT THESE ITEMS REMOVED OFF MY CREDIT.
|
| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I submitted a cease and desist letter to Southwest Credit Systems stating that I do not want them to contact me via the fair debt collection practices act. They have tried to contact me since then and they have submitted a collection on my credit bureau after they received the cease and desist letter
|
| 06/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is my 3rd time disputing this debt. XXXX continue to send to different collection agencies. This is not my debt. I do not and have never had an account with XXXX. Now Southwest Collection Systems is on my credit report for the exact same debt that isnt mine. My next step is to file legal action.
|
| 01/26/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
The account that now appear in my credit report were dispute removed because the accounts have a wrong balance. Now the account appear again in the history, I am willing to pay a part of that balance to clear my credit but I do not consider it fair to pay everything Since that balance is not correct.
|
| 12/05/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX representative came to my house told me nothing would effect my credit in any type of way and if I did n't want to continue with the package to call him. I had the cable for a two weeks and I called him and said he would cancel the plan. A few days later I recieved a bill over XXXX dollars.
|
| 04/01/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was checking my credit report and I realesed this agency claims I have an account with XXXX and I owe them {$370.00} even though this debt is n't mine and I have not been contacted by this company about said bill. my credit is starting to decline and it is crippling my chances on finding employment
|
| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
|
|
This debt was included in a Chapter XXXX BK XXXX filing. This has been addressed by the CFPB previously and the collection agency stated they would stop all collections and remove debt from my credit report. This debt has now been added back to by credit report and the collection calls has returned.
|
| 03/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.
|
| 10/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
The 3 Credit Bureau is reporting inaccurate information on SW CRDT SYS. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
|
| 01/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recently I received a notice from Southwest credit LLC.
Stating XXXX has placed your account with a balance of {$1000.00} Our client has advised us that they are willing to resolve your account in full for 40 %. Please contact us to see what other terms can be worked out to resolve your account.
|
| 03/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Systems is repeatedly calling me XXXX almost daily ). I do not have any debts in collections and have seen the complaints online about this company. I never answer the phone, they never leave a message, I keep blocking the number, and they keep calling from a different phone #.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX XXXX XXXX for a equipment that was returned. Southwest credit systems previously tried to collect. This debt was disputed and Diacharged. I received no follow up from southwest credit system after this late XX/XX/XXXX. Received a collection call from southwest credit solution on XX/XX/XXXX
|
| 04/29/2015 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, XX/XX/2015 I sent 300.00 to the incorrect credit card company Southwest Credit Card through money gram. I already faxed the company a letter stating I did n't have an account with them and I was wanting my money refunded so I can properly pay my debt that I owe to another company.
|
| 04/15/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Southwest Credit Systems refused to remove identity theft item after both a police and ftc report where made regarding the alleged debt. Companies like this should be more regulated. Changing get dates and account numbers for the debt as they snap their nose at anyone who tries to regulate them
|
| 12/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the fair credit reporting act, SOUTHWEST CREDIT SYS XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A states I have a right to privacy.
15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
|
| 12/20/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
XXXX reported a debt of XXXX to my credit file. I have never had an account with XXXX I called the collection agency and they asked me to supply proof of insurance during the period of time in question which I did however, they still have not removed this false statement from my credit file
|
| 11/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I saw a collection account appear on my report for all 3 bureaus, furnished by Southwest Credit Systems, and I have NOT received any debt validation letter, nor have I received ANY notice detailing my rights to a dispute for this debt. This appeared on my reports randomly without ANY notice.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
An account was opened on XX/XX/2016, at Southwest credit. I called this company on numerous occasions disputing this. The debt in question was a utility bill for an address that I've never lived at or been associated with. The amount was {$380.00} I would like any assistance you can offer.
|
| 02/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Upon checking my consumer report. I see that your company is saying that i owe you. I have never did business with your company and any account that is open with your company is fraud. I didn't give your company or any one else authorization to access my report or open anything in my name.
|
| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2021 I sent Certified mail to Southwest Credit collection, XXXX, XXXX, and XXXX about the 2 FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS OF 15 USC 1692b ( 2 ) and 15 USC 1692 ( 5 ). I am demanding DELETION of this account from my consumer report from all 3 of the credit bureaus.
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2019 I cancelled service with XXXX and paid my final bill. After cancellation, I continued to receive a bill for service I no longer had. Now this company has sent my account to collections and has reported to credit bureau for an amount they are fraudulently trying to collect on.
|
| 03/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
|
| 04/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SOUTHWEST CREDIT SYS reported a debt for {$140.00}, original creditor was XXXX.
I don't recognize this debt, we have not worked with this company in about 5 years and the debts were paid in full after services were ended 5 years ago.
I never received any debt verification for this debt.
|
| 06/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Roughly two weeks ago a new collection was placed on my credit by Southwest Credit Systems. I was never notified of them purchasing the debt, I have no recollection of having an account with the original creditor they have listed and I was never given the opportunity to dispute the debt.
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files
|
| 02/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Called regarding a cable bill for a location I have never lived with a company I have never had an account with and wo n't stop calling. They are robo-dial calls, so generally there is no one on the other end. I have disputed the claim and left XXXX messages for their dispute department.
|
| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I noticed a debt was furnished upon my consumer report, from XXXX XXXX through a third-party debt collector ( Southwest credit systems XXXX XXXX which is sharing and selling my personal information without my consent, this is defamation of my character and also goes against federal law.
|
| 05/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested verification of debt. Also requested other legal information for which the company did n't provide apart of this collection attempt. Also advised the collection company that the company they are collecting for is not a debt I owe. I am current with my XXXX XXXX account.
|
| 11/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
XXXX XXXX continues to harass and defame me despite filling out the FACTA and onguard, FTC ID Affidavit by police regarding a cell phone opened in my name. The drivers license was n't even my own nor was the social security number yet they continue to harass and destroy my credit report
|
| 09/29/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I recently pulled my credit report and noticed a collection from XXXX XXXX XXXX with acct # XXXX. I have no knowledge of this account. I disputed this account with all 3 credit bureaus. This account is still on XXXX and XXXX. I do n't know what else to do, but this account is not mine.
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
This company is attempting to collect a debt I do not owe, I do n't know who they are and why they are attempting to collect from XXXX whom I do not owe. Apparently theirs an account that has been sold off in my name which I already have fraud alerts placed on all bureaus and XXXX etc.
|
| 03/06/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX sent a bill for the bill I do not owe. I paid all my dues prior to cancelling service with them. Bill are paid one month in advance, and the charges they are claiming for the amount they collected for the last month. They reported to debt collection company called Southwest Credit
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was contacted by Southwest Credit to pay a debt I did not owe from XXXX. I contacted XXXX and they refused to remove the information from the report. I contacted the debt collector Southwest Credit as well, and they said " my account was locked '' and were unable to verify the debt.
|
| 02/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
" SOUTHWEST CREDIT SYSTE '' is hurting my credit & ability to progress in my credit journey in buying a home. Out of nowhere, they were added to my credit report. I do not owe them. Or any company affiliated with this company. I want them to be removed. If not want to be compensated.
|
| 04/16/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company is attempting to collect a debt that is not mine. I also received no notification, either by phone or by mail, informing me of this supposed debt. I believe that they are violating my rights per FCRA by not taking these steps to honor my right to contest this collection.
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/2023 Southwest Credit system flagged my credit report as a collection and it has decreased my credit score by XXXX points. I have never received anything by mail or phone call owing any type of debt to Southwest Credit System. I asked that they please verify this debt owed.
|
| 09/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I reviewed a copy of my credit report in the past and found this inaccurate account in which i disputed. The company never followed up with me therefore i am initiating a complaint with you. I mailed the company a letter on XX/XX/2021 as well as contacted them through credit bureaus
|
| 10/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest refit Systems engaged in predatory tactics, contacting third-parties, threatening, placing false credit collections on my credit. This company has violated nearly every consumer protection law. I should sue them, and I will, but Im beginning with the appropriate complaint.
|
| 08/02/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
my credit report from XXXX says I lived at a address that I never lived before and debt is from XXXX which I never had a electric bill in my name with a balance of XXXX dollars I even took paper work to them to prove I never lived at the address tried to do everything they ask of me
|
| 02/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
constantly calling and I do not owe them anything.
They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them.
I don't khnow who they are, and won't give personal information to any random company that contacts me.
|
| 03/21/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XX/XX/2017 I noticed on my credit report there is an outstanding debt from XXXX for {$140.00}. I never had an account with XXXX. The collection agency had reported this to the credit bureau. I would like to get this removed from credit report. They referred to an account # XXXX.
|
| 07/12/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I have contacted Southwest Credit Systems several times to validate debt of which i have no contract with them. They refuse. Southwest Credit Systems have also fraudlently contine to report to XXXX, XXXX, and XXXX untrue and not validated information. I have no contract with them.
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Collection Notice sent to me from, first : Southwest Credit Systems for an unpaid amount of {$130.00} for XXXX XXXX. Then Southwest sent that to a collection AGENCY called XXXX, XXXX XXXX XXXX, XXXX, FL XXXX reference # XXXX. Amount {$130.00}. XXXX says I do n't owe them any money
|
| 04/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this account should be removed from my credit report and all collections efforts should cease.
|
| 08/25/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I never had XXXX in my 25 years of living nor did I put any comed bills in my name. I sent a letter out to the company for verification but never received a response. This violates the fair credit act XXXX XXXX XXXX XX/XX/2022 {$410.00} SOUTHWEST CREDIT SYSTE XX/XX/2022 {$480.00}
|
| 03/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest credit systems is saying I owe a debt that has been paid to the original creditor, XXXX, I was not notified that by Southwest about a debt collection. XXXX has sent over a request for deletion on XX/XX/2021. Now they will not remove the collection from my credit report.
|
| 02/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
SWC Systems state that I owe their client XXXX {$490.00}. Instead, they 've reported an amount of {$490.00} to the CRA 's, which means they 've misstated the balance due and trying to collect more than the alleged amount. This is a FCRA and FDCPA violation.
Sincerely, XXXX XXXX
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have spoke. With XXXX. I do not have a bill. They agreed. I call southwest collection and they know it is a fraud. Why isnt it taken off? It said derogatory which is not true. The collection agency said they would take it off. They did off of one credit bureau but not this one
|
| 03/08/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I receive daily calls from South West Credit Systems, They refuse to provide me with any additional identification as to who they are, I have repeatedly asked not to be contacted because I do not have any outstanding balances with any creditors. They will not cease to harass me.
|
| 07/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
several attempts asking for validation with no results. they continue to place this blemish on XXXX out of XXXX reports and at this point it is becoming harassment and slander. I do not own a home but I am trying to purchase one and I have never had any utility bills in my name.
|
| 10/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently spoke to a supervisor in the legal dept of Southwest Credit System # rd Party collection agency. I informed the lady that I spoke to that I was planning to file a lawsuit against this company if they did not remove the negative fraudulent account from my credit file.
|
| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX {$880.00} My social security number has been compromised and used as collateral BY XXXX XXXX XXXX and XXXX XXXX Please help me by deleting any negative items off my credit In accordance with the FCRA 15 U.S.C 1681 Section 602 A states I have the right to privacy.
|
| 09/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A few months back I sent out a debt validation letter and this collection was removed from my report and now it is back it keeps getting removed and added back with different debt collectors. This is not my debt and I ask that it be removed and not put back on my credit report.
|
| 12/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Never received any communication from debt collector. I submitted a debt validation letter and the collections agency did not respond within 30 days and thus created a violation of the FCRA and FDCPA. This collection needs to be removed from my report as this IS NOT MY ACCOUNT.
|
| 06/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have reached out to Southwest Credit Systems requesting information which I have yet to receive. Southwest Credit systems also continued to report the debt after they received my letter. Southwest Credit Systems is in violation of my rights as a federally protected consumer.
|
| 01/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS is report fraudulently on credit bureau.
Reference Information Given Acct # XXXX $ XXXX Contract Date XX/XX/XXXX XX/XX/XXXX collection date Service Address XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX This account is reporting to credit bureau fraudulently.
|
| 07/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Ive tried to email and call into XXXX about this debt but XXXX stated that the debt was sold and they no longer had liability of the debtI advise XXXX of the debt was not mines to be collected and I was not going to speak to a collections company for a debt that was not my own
|
| 03/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
|
|
XXXX sold my personal information to a company in Texas without my authorization or consent. I was not properly notified adverse actions would be taken against me for reporting a fraud matter to FTC pertaining XXXX business practices. XXXX retaliated upon closing of complaint.
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have been up to the actual XXXX store MULTIPLE times as well as called in and have RECORDED conversations where they told me I owed nothing and would get a refund now its on my credit report. This is illegal and I want it removed immediately or Ill get an attorney involved.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
|
| 06/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
lost wallet years ago and i am a product of my negligence of leaving my wallet in a supermarket to only come back and it be gone ever since I haven't had any breaks years of repair is needed to stop these fraud accounts from being resold to new collection agencies act # XXXX
|
| 12/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a XXXX bill that says {$84.00}. I have no idea. I have never been contacted about this debt. I would 've paid it. I do n't know the reason for this debt. I am not interested in paying someone else 's bills. The service being asked to paid for was n't being used by me.
|
| 04/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
asked company to validate that I had a contract with them or anyone else for the account and they refused. sent letters requesting validation and disputed at credit bureau. XXXX XXXX XXXX has the incorrect birth year for me and I believe this belongs to someone else.
|
| 06/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear CFPB Staff, Southwest Credit XXXX is reporting fraudulent information on our credit scores with the various Credit Bureaus.
They are attempt to collect a {$300.00} from XXXX. That is an error or outright fraud as the device in question was long ago returned to XXXX.
|
| 05/05/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They texted me stating is an attempt to collect a debt for Southwest Credit. I do not know who that is nor have I ever opened an account with them. I do not trust a debt collector coming through text messages either. The number it came from is XXXX. Happened on XX/XX/2022.
|
| 04/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest Credit Systems placed alleged debt on my XXXX, XXXX and XXXX credit reports without modifying me. This is a violation of the Early Warning Clause which states that debt collectors are to notify debtors in writing before placing account on consumers credit report.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was overlooking my credit report and noticed 3 accounts were opened in my name using my information. 2 were opened XXXX and the other opened in XXXX, i have no knowledge of these accounts being opened nor did i give anyone permission to use information this was not me!!!
|
| 12/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was contacted by Southwest Credit Systems LP, regarding a non existent debt. I informed the representative that there is no debt and requested they forward me the source documents. What I was sent was far from a source document. These tactics are tantamount to extortion.
|
| 01/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
We have received a call from southwest credit asking for myself. I asked what it is regards to and all they said was it is a personal matter and we need to verify address. I am not going to verify anything to anyone unless I know what it is regarding, because of criminals.
|
| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the remaining balance that I owed on the subscription XX/XX/2014. I have not recieved any services from XXXX since XX/XX/2014. Why open a collection two years later? This is now the second time this company is harassing me for money that I have already paid to them!
|
| 07/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Received a copy of my credit report and there is an account with Southwest Credit Systems for a XXXX bill that I haven't had that service in over 7 years and this company is reporting it as though I just had an account therefore Re-ageing an old and I do mean OLD account.
|
| 10/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Southwest Credit System has been informed several times that this XXXX account was involved in identity theft. They refuse to remove this account and have now reported it to all three credit bureaus and they need to remove this. I have attached the Identity Theft Report.
|
| 12/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit systems is reporting on my credit that I owe them and or XXXX XXXX. I in fact do NOT owe them as I've never opened a account with South West Credit. Several attempts have been made to XXXX and XXXX to have this removed from my credit report immediately.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid the debt, and received documentation confirming the debt was paid in full. but the debt has not been removed from my credit report. when i called the creditor they advised me to call the collector. when i called the collector they advised me to call the creditor.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
XXXX XXXX XXXX reporting that ive never received.
Student loans are forgiven credit reports doesnt reflect that.
Multiple accounts paid off doesnt reflect on credit report.
Erroneous credit pulls Southwest credit systems XXXX is paid off still reporting a balance
|
| 06/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I switched my XXXX XXXX account from personal to business & had everything transferred but the debt collection agency is saying I owe on the personal account but the items they are saying I owe I pay for monthly on my business account that is in good standing with XXXX
|
| 10/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft in my information was used to open bank accounts for a mobile cell phone service and several checks were fraudulently wrote in my name when information was leaked the two of the agrees with XXXX XXXX XXXX icons a local police department
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
The company claimed I owed a debt I have no recollection of and have failed on all levels to provide any verification of debt and legal permission of any to collect debt in the state as well as provide a contractual agreement between myself and XXXX for good/services.
|
| 08/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
I am a victim of identity theft. On file with the credit bureaus i have a ftc complaint and a id theft affidavit. I noticed the fraudulent acct. XX/XX/XXXX from a Southwest Credit Systems alledging I owe a debt when i have not applied for any credit in the last 10 yrd
|
| 08/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently noticed that there is a big drop on my credit score, I find there is a debt collection under my name, the collector is called SOUTHWEST CREDIT SYSTEM, but I never received any letter or information about this debt, I dont know where is from and how to pay.
|
| 09/20/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recieved and update on my credit report advising of a new collection in the amount of {$97.00} of which i do now have any outstanding debt of this amount. I do n't know if this company. However i have researched to find that they are known for fraudulent practices.
|
| 04/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.
|
| 03/29/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Call asking for XXXX XXXX.
Calls to a phone number NOT associated with XXXX XXXX.
Calls to the phone number NOT associated with any debt for MORE THAN XXXX days.
Calls asking for XXXX XXXX to a phone number unassociated with XXXX XXXX for MORE THAN XXXX days.
|
| 12/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest Credit Systems has been reporting a fraudulent inaccurate account for {$510.00} to my credit bureaus, I have never done any business with them or their affiliates. This debt is not mine. This incorrect information is harming my credit, stop this at once.
|
| 05/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.
|
| 09/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sw Credit Systems Inc is currently trying to collect a debt that I do not owe for XXXX XXXX. I do not have a current or previous contract with neither Sw Credit Systems, or XXXX XXXX. There is no information on this account. There is no verification of this debt.
|
| 06/27/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.
|
| 05/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I already resolved this issue from around 2017 after getting the Illinois Attorney General involved ( Ref # : XXXX ) and it was determined that I don't owe XXXX anything. Now, Southwest Credit Systems is attempting to collect this old debt by calling me daily.
|
| 04/04/2016 |
No |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American, Servicemember |
|
My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.
|
| 03/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Within the past year, XXXX was removed from my credit report. Now theyve got another company putting it on my credit reports when Im trying to buy a house causing my score to take a dip. Ridiculous. It was removed already. They cant just put it back on. Right?
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
South west credit systems XXXX stated that owe an amount already paid to XXXX there is no exchange for amount or consideration. There is no loan and should not be inferred. XXXX has all equipment in possession yet expected again to show reception and I did.
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Today I discovered a negative credit item a had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately.
|
| 09/21/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This bill is not my bill and the creditor did not give me any information about this bill. Futhermore, I was never sent any information about this being my debt. I disputed it and XXXX removed it but XXXX and XXXX did not and did not give me any information.
|
| 11/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
south west credit systems is reporting derogatory on my credit file. debt was paid to XXXX on XX/XX/2021 {$210.00}. confirmation number XXXX south west credit systems is irresponsible, incompetent or fraudulent.
XXXX reports to me I don't owe them anything
|
| 04/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Southwest has not contacted me about this debt. Their initial communication with me has never happened. I disputed this debt and asked for validation, they sent me nothing. They have violated the FCRA and FDCPA multiple times. This is unreal, please help me!
|
| 03/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt is more than 7 years old was removed from my credit report in XXXX because it was 7 years old and then re added by a different company. I never received notification other than XXXX XXXX. The date reported as opened in XX/XX/XXXX that is inaccurate
|
| 07/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Southwest Credit Systems L.P claimed I have an open account with them. They state the original creditor is XXXX. I dont even have a XXXX account. Id like this resolution to be solved immediately to ensure my credit score remains growing to the higher levels.
|
| 11/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Dispute with the company on XX/XX/2022. Company have received my dispute XX/XX/2022. It is now XX/XX/2022 and Ive have yet to hear back from the company to validate the debt they claim I own. The FCRA gives XXXX XXXX to respond. I have not gotten a response
|
| 08/27/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never been under contract with this company and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded.
|
| 08/24/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.
|
| 11/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had an old account with XXXX which was paid off through their collections department. I am now getting calls from Southwest credit saying they are a debt collector on behalf of XXXX. I have told them repeatedly I have paid this off with XXXX to no avail.
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems is stating that i have a debt of {$760.00} from a past XXXX bill. I do not remember opening this account if i did the amount stated is incorrect. I want to request a copy of my signed original contract, Please Validate And delete.
|
| 03/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
Servicemember |
|
collection agency - XXXX communication company for cell phone keeps trying to collect debt. unknown amount stated they are lawyers unkown debt amount unveriable amount exagerated amount collection ageny portraying lawyers they are just collection agents
|
| 03/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
-Hello I keep disputing with XXXX XXXX , XXXX XXXX , and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect.
-XXXX XXXX XXXX -SW XXXX XXXX
|
| 03/24/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
While I was checking the process of getting my credit score report records show some credit cards has been found unknown. {$290.00} from southwest credit on XX/XX/2019. This credit card is unauthorized transaction and maybe identity theft is considered.
|
| 05/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to get validation of debt on this account Since XXXX 2017 . I have contacted SOUTHWEST CREDIT SYSTEMS through all XXXX credit reporting agencys still no response. This error is making it difficult for me to be approved for credit
|
| 07/21/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
this company has placed a collection account on my credit but the debt does not belong to me and it was not validated. I have sent this company certified letters since XXXX 2015 and they continue to ignore me and report the unknown account on my credit.
|
| 01/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX
-XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX
|
| 10/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent numerous letters stating I want to see validation of this debt and they refuse to answer. I sent my last letter saying if they can not properly show me documentation validating the debt is mine then I want it deleted from my credit report.
|
| 01/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Sw Credit Systems L.p.
reported on my credit report on XX/XX/2018 this is not m debt and i have never done business with this company I have sent a letter to this company asking them to show me proof that I owe this debt and have received no response
|
| 10/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Southwest Credit Solutions reinserted two collections on to my credit report without properly notifying me. These two debts have been once removed from my consumer report, but they have been reinstated. I have reached out to this company to no avail.
|
| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Southwest Credit Systems keeps removing account from credit report and then turn around and repost it with a new and more recent " Account Open '' date. This is an unfair and deceitful practice that is used in an effort to cause unfair credit impact.
|
| 06/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX a credit collection company listed a collection account to credit reports and I have not recieved any written communication from said company. Therefore I have not been given the right to a 30 day dispute period that is required by law.
|
| 06/17/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Afternoon, I have reached out to XXXX XXXX through certified mail and phone with no resolution. They have placed an account on my credit report without validation. I have requested validation on several attempts and have gotten nothing. Please hep me
|
| 06/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
The company SOUTHWEST CREDIT SYSTEMS, L.P never contacted me regarding the debt or gave a notice.
They posted it to the credit agencies.Never received any communication from this company.The amount of XXXX dollars owed was settled with the creditor.
|
| 01/11/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have reached out to Southwest Credit on several occasion to inform the company that I did not apply for a phone service with XXXX XXXX XXXX the only phone service that I have every had since I was release from prison in XXXX 2012 was XXXX and XXXX.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have contacted the company and spoke with a representative who assured me she will file a dispute, Ive sent letters letting them know that the debt was a result of identity theft. I have never lived at the address that the debt is associated with.
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Repeatedly tried to contact Southwest Credit Systems L.P. to verify a collection account on my XXXX, XXXX and XXXX credit reports. I have not been provided any information on the account that is damaging my credit and ability to obtain new credit.
|
| 04/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS , L.P .
Last reported : XX/XX/2018 {$740.00} For some reason South West is trying to charge me {$740.00} i do not own a south west credit card and i have paid for each one of my tickets online with the use of a Debit Card.
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
On XX/XX/XXXX a negative mark was removed from my account. Now Im XXXX its reinserted back on my credit report for XXXX. I do not owe this debt and it was previously removed. Also it was sold to another collection agency. Please have this deleted.
|
| 08/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.
|
| 05/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
on XXXX XXXX XXXX SW credit system deleted the account i had disputed and on XXXX XXXX XXXX the same account was reinsert ed on my credit report without me being notified by mail and that is against the FCRA 611 ( a ) ( 5 ) ( b )
|
| 03/23/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Older American |
|
Have been getting calls for a year every Sunday, asking if I 'm someone I 'm not. When I answer there 's no one on other end. I have spoken to a person a couple of times at least which they said they would remove my name but they continue to call.
|
| 02/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
These companies as I explained I have never signed a contract with or have any knowledge of this collection company my personal information was sold or passed on with out my knowledge after several attempts to have them removed nothing has happen
|
| 12/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've seen no changes for the accounts that I have filed last month, I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 11/01/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I've seen no changes for the accounts that I have filed last month. I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 04/20/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Requested detailed information for this debt did not receive they are reporting SW Credit Systems Then I guess sold to XXXX XXXX or vice versa They are both reporting the same amount but unable to get any information of exact details of the debt.
|
| 11/13/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day.
|
| 04/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Never received notice of this debt, I have never had an account with XXXX or owned or rented my own home so would have never had a reason to have XXXX. I do not believe this debt to be mine and was falsely reported to collections without notice.
|
| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Contacted the debit collection and they refuse to send a payoff letter. Give account number what is fake. Over 25 calls and 2 emails requesting the pay off letter and nothing. Refused to get paid and remove the collections from my credit report.
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Someone opened a XXXX account many years ago and this collection agency placed a XXXX $ payment on this fraudulent debt to extend the negative mark on my credit report for an additional 7 years.
Unethical in the actions of the collection agency
|
| 06/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
|
| 05/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I reached out to Southwest Credit Systems on XX/XX/2022 requesting information regarding my debt. I asked to please be provided with with paperwork in regards to this debt that I have no knowledge with. They refused to provide me with the debt.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In checking my credit report, I noticed an improper entry from Southwest Credit System, XXXX XXXX XXXX, XXXX, TX XXXX. Allegedly relating an delinquent XXXX account.
I do not have any delinquent accounts with Southwest Credit System or XXXX.
|
| 11/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Problem canceling credit monitoring or identify theft protection service
|
|
Web |
|
|
I tried to dispute this collection with a valid identity theft report attached and they are still not honoring this situation. This account was opened fraudulently, with proof attached, it needs to be removed from my credit report immediately.
|
| 05/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX ( XXXX ) trying to collect a debt of XXXX as of XX/XX/XXXX I have never open an account with sw credit I don't understand where this is coming from I have no type of knowledge of this " debt '' I don't know nothing about this company
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I been repairing my credit and saw an open collections from Southwest Credit Systems for {$370.00}. Went to XXXX and saw that this creditor isnt regulated in the state of XXXX. Cease-and-desist immediately this should be removed immediately.
|
| 12/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from Southwest Credit Systems for XXXX in the amount of {$640.00}. I lost my job and became homeless. I have saved money since working part time. Im able to offer {$300.00} for to settle for a deletion.
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
All Requested documentations to verify alleged debt were not delivered and they refuse to comply by not delivering all requested documentations it has been sixty days under the law they must delete thirty after not complying with my request
|
| 07/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
I sent them a cease and desist letter asking to stop trying to contact me and I was in the process of contacting the original creditor About this debt thy claim I owe.
And to remove all entries to the credit bureau because there inaccurate
|
| 02/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company as not validate this debt and has a negative mark on. My credit report Ive asked them to respond with the signed agreement for the account and they have failed to do so, now the account is not mines and they need to remove ASAP
|
| 05/29/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
there is an account in my credit report that i do not know .. this accoun show me that i posses {$690.00} in debit collection for some years ... .this company name as Shoutwest credit system is using a fair credit reporting act violation..
|
| 02/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems has fraudulently flagged my credit report with a collection notice related to XXXX XXXX. I have never had an account with XXXX XXXX. I have informed Southwest Credit and they refuse to remove the collection notice.
|
| 12/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2017 XXXX opened up an account for me for XXXX dollars. I believe this is an error because I never opened up an account with XXXX. I would like for this account to be removed because its making a negative impact on my credit.
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately.
1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) SW CREDIT SYSTEMS L.P ( XXXX )
|
| 07/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I get unwanted harassing calls from this number DAILY. I informed them to stop calling my number. I informed them that I am on the do not call registry. This debt does not belong to me. They are calling my phone looking for someone else.
|
| 07/18/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Recieved debt collection letter from Southwest Credit from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The letter stated that I owed a debt principal for a XXXX I count which I do not have. I called them and gave them a peice of my mind.
|
| 06/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have received a collection letter from Southwest Credit for a XXXX cable bill.I called XXXX cable and they stated that they do not have any record of me owing any money from any account with them.They have never heard of this company.
|
| 06/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2020 XXXX XXXX southwest credit system report to my XXXX, and XXXX account on a theft report on my name with is fraudulent. I didnt authorize for any service or business with this company on behalf of I. Its fraudulent account.
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
This debt is not owned by me. I have never owned a XXXX account and from confriming information supplied, i believe that my personal details were compromised by a leak of information steming from a XXXX company security breech in 2012.
|
| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
|
| 08/24/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
S W Credit System XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Attempted to collect a XXXXXXXX XXXX bill I don't owe.
Amount {$290.00} FALSELY reported to the credit bureau 's.
Never provided me with any documentation.
|
| 10/11/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had XXXX a long time ago and cancelled my account with them, returned everything that they asked for and then paid my balance. Now years later a collection has just come onto my credit report for something that has already been paid
|
| 04/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.
|
| 03/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I told them that I dont know anything about the debt. I asked them to provide the paperwork work that I signed or they should should me proof that I owed the debt but the refused to show me and I told them not to put it on my credit.
|
| 11/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest creditors constant unwanted phone calls everyday repeatedly unwanted phonecalls from a XXXX phone number saying i owe a dept but not explaining what the debt is i want these calls to stop i will calm them when im interested
|
| 07/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Southest is collection agency that has reported a fraudulent account on my credit report I have provided them with my information and police report regarding the matter and they have not removed the fraudulent and erroneous reporting
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a collection notice from Southwest Credit. for {$1200.00} for a XXXX bill. I have never had a XXXX account in my name. I checked my credit report to be sure that there is identity theft issue. I have no XXXX account listed
|
| 07/10/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I settled with them. I was told the account would be marked as PAID and closed. It never did. I was told that I should expecting a letter from them stating I pay the agreed amount. I never did. I believe I was scammed by these people
|
| 03/25/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I am submitting this complaint against XXXX. I have disputed several collection accounts in my credit file and I requested a debt validation other than a balance and a computer print out and XXXX has failed to submit the information.
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Today I checked my credit and discovered that this company has reported that I failed to pay them for services rendered. Ive check my records and I have never done business with this company and never entered in a contract to do so.
|
| 03/05/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I have been trying to reach out to this company about this alleged debt but I haven't gotten their response so here I am seeking help from the CFPB and other consumer protection agencies to get this matter resolved once in for all.
|
| 09/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX PUT ME IN COLLETION WITH OUT HAVE IN ACCOUN WITH THEM I JUST PAY XXXX DOLLARS JUST TO HAVE REMOVED FROM MY CREDIT REPORT IM GOIN TO LAWSUB THEM FOR FALSE STATEMENT FOR DAMAGE MY CREDIT FOR NO RESON THANKS FOR THE INVESTIGATION
|
| 07/12/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Threatened to contact someone or share information improperly
- Contacted your employer
|
|
Web |
|
|
Date : XX/XX/2022, XX/XX/2022 and Call went to my voicemail the first time they called.
The second time they called I asked them not to contact me at work.
Company XXXX called my employer after I asked not to contact me at work.
|
| 04/26/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
|
|
Web |
Older American |
|
Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number.
|
| 11/01/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
South West Credit syste Original creditor XXXX XXXX XXXXXXXX : {$360.00} Account XXXX XXXX XXXXXXXX Date open : XX/XX/ I wrote a letter to my credit companies XXXX, XXXX, and XXXX to dispute the false debts. No response was given.
|
| 11/04/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
While reviewing my credit report, I noticed S.w Credit System L.p. reporting inaccurate unverified information on my credit report. I do not recognize this company. This inaccurate information is causing stress and loss of income.
|
| 09/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a lot of credit/ debt fraud. One of the most recent is a debt for XXXX water utilities for over {$700.00} that I did not authorize. I have rental debt for properties I have not lived at and auto debts for cars I dont have.
|
| 09/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/2023 The account balance was paid in full in the amount of {$150.00} as per the documents provided It was promised to be deleted from my credit from XXXX, But south west credit systems refuses to provide a deletion letter.
|
| 08/24/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Alleged debt from 2009. It was paid to the best of my knowledge, notwithstanding, attempting debt collections on a account from 2009 ( Last date of activity/account close request by me/consumer ). This is fraudulent and illegal.
|
| 10/30/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I recently received this letter from this company informing me that I owe them money, to my knowledge this company has never provided me a service and neither have I entered into a contact with them to pay them for said services
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Problem with customer service
|
|
Web |
|
|
XXXX XXXX Opened XX/XX/2018 for the amount of XXXX I wanted to pay this off and have it removed from my credit report. They refused. I have not had this problem with 1 other company I asked to do this.I am trying to buy a house
|
| 07/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SouthWest Credit Systems Has attached an unknown debt to my credit report. I do not have an account with Southwest Credit System and I do not have an account with XXXX. Please remove this wrongful account from my credit report.
|
| 10/09/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. I have tried to dispute it with multiple credit bureaus and the company. Yet nothing is being done. Southwest Credit XXXX is still not removing the account from my report or canceling the debt.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This is the second time a company has attempted to collect a debt from me that is not mine.
Upon reading the email, I noticed that the account is under my EX wife 's name, whom I have not seen or been married to for 4 years.
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have continued to dispute this account with XXXX and Southwest Credit. I have never lived at service address and have never requested service there. This is a cable bill that i did not authorize. Dispute confirmation # XXXX.
|
| 07/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Date : XX/XX/2021 Amount {$740.00} Agency : Southwest Credit System. I was a victim of identity theft the collection company knows and has a copy of by police report and is continuing to report the fraud collection on my file.
|
| 12/06/2019 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
|
| 05/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
sent all identity theft documentation requested by XXXX, proving my residence for last 6 years also social security documentation proving I am XXXX I do not need or never bought cable at address I never lived at or know about.
|
| 08/13/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My credit report on XXXX shows I have a collection accocunt with {$47.00} and I have totally no idea why this record is showing on my credit report, and the collector SOUTHWEST CREDIT SYSTEMS refuse to look up my case for me.
|
| 03/07/2017 |
Yes |
|
- Incorrect information on credit report
- Reinserted previously deleted info
|
|
Web |
|
|
Southwest Credit Systems inserted a prior deleted XXXX bill, erroneous info ... date of original fraudulent account was in XX/XX/XXXX, they reported it as a new date ... disputed it with XXXX, and still there as of XX/XX/XXXX
|
| 02/01/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I saw a collection for Southwest Credit Systems on my credit report. I immediately contacted them requesting debt verification. I sent a letter requesting it on XX/XX/2016 and never got any documentation to verify this debt.
|
| 03/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
I have not received any notification regarding a collection debt through XXXX. I had the debt reported on my credit report but have not received any written notification regarding the debt or an ability to dispute the debt.
|
| 12/27/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest credit XXXX keeps restarting the clock on an old debt. I havent had XXXX since XXXX and on my credit it says XXXX which is false, also they are saying I owe a higher amount than what I actually do. Its ridiculous.
|
| 09/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I submitted a complaint back on XX/XX/2021.
I am not the owner of the account that is being referred to. This account is not mine, I have reached out to your company and left my contact number with Southwest Credit System
|
| 02/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I want Southwest Credit to Validation that I owe them with proof of signature of a contract signed.I hereby authorized Southwest to release proof of contract with my signature as a validation to consumer protection Bureau.
|
| 04/05/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
XXXX is trying to collect from me. I have not owned a comcast account for the last 2 years. I have XXXX. this account is listed as opened in XXXX, XXXX also never recieved a bill if I did owe before it placed on my report.
|
| 06/18/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I filed a police and FTC report after realizing that some accounts like this one were unauthorized by me and this is damaging my credit worthiness ... I dont know who stole my information and authorized this transactions.
|
| 09/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This is not my account my account. I did receive any mail with the opportunity to dispute. Please provide validation of the debt, method of verification and Assignment of debt. Please Delete ASAP.
XXXX XXXX XXXX # XXXX
|
| 04/27/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I just pulled a copy of my credit report and noticed that your agency is reporting that I owe you a debt. I was not aware of this debt until now, and under my rights under the FDCPA, I request that you validate this debt.
|
| 10/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This debt collection company is not licensed to collect debts in the state that I live in. I have received an overwhelming number of calls to the point of harassment. I want this debt to be removed from my credit report.
|
| 12/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
|
| 10/20/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2023 a representative from Southwest Credit Systems intentionally told me my debt had been reported to a credit reporting agency when it absolutely had not. I believe this to be a tactic to influence me to pay.
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
As dated, XX/XX/2023, Southwest Credit System has invasion my rights to privacy. I, XXXX XXXX, do not agree to contract, I do not give consent for such company to have my nonpublic personal information. See attachments.
|
| 01/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS- XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY.
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I requested a debt validation after I received a letter from this debt collection agency. All they sent was a bill with no signature or proof that it was my debt. The bill is in the amount of {$640.00} for a cable bill.
|
| 01/23/2016 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have started receiving repeated phone calls, and the caller leaves a message stating that they are a debt collector and that I must call them at XXXX. I have never received any written communication from this company.
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Last Payment : XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX XXXX It was placed for collection and I did not receive any letters from the collection agency.
|
| 06/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This item was previously removed from my credit due to identity theft and has been re-inserted as a new account as of XX/XX/2020 in the amount of {$68.00}, in which is illegal. Please remove this debt off of my credit.
|
| 11/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
They say the dead is {$280.00}. This was sold to another collection agency from the first collection agency. I told him it was identity theft, and now they sent it to another collection agency saying I owe them money.
|
| 11/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I checked my credit and saw an account from SOUTHWEST CREDIT SYSTEM for {$510.00} for XXXX. I have no knowledge of this collection account and never received any written notice of how to dispute or settle the charges.
|
| 10/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SW Credit System opened a collection against me for the amount of {$570.00}. I never received a call from this company regarding this debt. They opened this account at XX/XX/2018 and then reported it two months later.
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
the was received on X/XX/2017.
I am disputing this amount in FULL.
remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.
|
| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest Credit System is a fraud account opened by someone other than me. I would appreacite if its removed from my credit immediately. Please note the enclosed Federal Trade Comission report and my driver license.
|
| 02/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit System is reporting a debt that is in collections. I have reached out to this company numerous times, but the number listed is not in service. I am not aware of this debt or where it originated from.
|
| 09/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts are erroneous. I do not recall said accounts and have made steps to try and get this issue repaired by all reporters. I have a right to fair credit reporting and to dispute anything that is incorrect.
|
| 06/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No Contract, with Company reach out to XXXX the ystated that my information that was given was not what they had in thier system, and that they believed my information was used to obatin service without my consent.
|
| 08/17/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am not liable for this debt with XXXXXXXX XXXX and I do not have a contract with SW CRDT SYS plus they did not provide me with the original application like I asked.
Account No : XXXX Amount Disputed : {$70.00}
|
| 08/05/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit System is reporting to all 3 credit bureaus regarding an account with a XXXX balance that is not owed. I have attached the credit report showing how this account is reporting to my credit report.
|
| 03/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest Credit Systems refuses to provide information regarding the debt they claim I owe. Beyond that the debt they are attempting to collect is beyond the statues of limitation and is being reported illegally.
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Southwest Credit Systems continue to furnish information on credit file. Made several attempts to solve with company. A complaint submitted over 30 days ago, company failed to comply according to FCRA Guidelines.
|
| 07/11/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Sent a letter asking for back up on the debt reflecting on my credit report and have not heard back. If the company can not send proper back up, please remove from my credit report and stop all collections
|
| 07/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There are 2 collection agencies trying to collect the same debt that has not been validated as i requested. it is against the fcra act to have two companies reporting the same debt less alone not validating it
|
| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Contacted XXXX to get account information and representative was unable to provided any account information and account shows as charge off or satisfied. No collection agency information was given during call.
|
| 01/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest credit systems, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. I do not owe I sent by mail all its equipment and demanded a return to remove affixed stuff. XXXX was paid and theres no remaining cost
|
| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
opened XX/XX/2022 account says still open.I tried to get it disputed and its still on my credit, Its 11 accounts open with the XXXX XXXX company, they are asking for XXXX $ that i did not aprove or did myself
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This is a very old account that is way more than what I think is owed. My estimation is that this particular agency has charged me in excess of {$900.00} in late fees/surcharges that they agreed to be waived.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The information Southwest Credit Systems is mailing me are all false. Documents of validation was sent to them 2 weeks ago and they did not respond. I refuse to pay something I didn't owe in the first place.
|
| 12/15/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
I have sent multiple letters asking for an explanation on this debt and why I am being charged. I want to see the proof of this debt and I have not been given any information to understand what this debt is.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX HAS SOLD OR OBTAINED A CREDIT COLLECTION COMPANY ON XX/XX/2021. THEY HAVE BEEN INFORMED BY MYSELF MULTIPLE TIMES THAT THIS DEBT DOES NOT EXSIST. NOW THEY HAVE BEGUN TO NEGATIVELY AFFECT MY CREDIT SCORE.
|
| 02/21/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have not supplied proof the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 sw 715. 719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
|
| 05/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest credit XXXX are still hurting my credit even though I already paid it off and it 's been four months. I want this to get fix ASAP because it 's holding me back on purchasing necessities in my life.
|
| 08/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX date:XXXX-fraud XXXX XXXX XXXX XXXXXXXX XXXX-fraud XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXXXXXX XXXX XX/XX/XXXX victim of fraud never open this account
|
| 07/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
Collection agency reporting that the debt is from XX/XX/XXXX. The debt if from XX/XX/XXXX.
Returned cable boxes in XX/XX/XXXX of XXXX. We were charged for the entire month.
My credit score is over XXXX.
|
| 09/02/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 06/26/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 06/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 04/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 04/11/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 01/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 01/25/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 09/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 08/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 07/14/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 05/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 05/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 05/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 01/22/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 04/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
The debt collector called me in the past and I explained to them that I do not own nor owe this debt and I asked them to stop calling or contacting me. I assume that they sold this debt to another company.
|
| 01/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
IDENTITY THEFT A COLLECTION COMPANY SOUTHWEST CREDIT SYSTEM HAS FASLEY REPORTED A DEBT THAT DOES NOT BELONG TO ME COMPANY NAME XXXX XXXX XXXX I NEVER OPEN THE ACCOUNT THAT REPORTS TO ALL 3 CREDIT COMPANYS,
|
| 03/09/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 01/17/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
|
| 03/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/2018 I contacted XXXX as a result of identity theft and inform them that I have not received no credit or any phones from them and that they needed to correct my credit report as they have denied it.
|
| 03/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My name is XXXX XXXX and I am submitting this complaint without any assistance fromn a third party or agency. Please see the provided documents attached and ID as it entails my full complaint and request.
|
| 01/29/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently received a copy of my XXXX consumer report and I noticed a third party collection agency listed on my consumer report. this company is in clear violation of the law. Pursuant 15 U.S. Code 1692c
|
| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Southwest Credit Systems is reporting a fraudulent account on my credit. I didnt authorize anyone to open this account using my information. PLease see the attached FTC report and remove it from my credit
|
| 11/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX is trying to collect over {$1500.00} in debt when in fact I only owed them $ XXXX. I want this account removed from ALL my credit reports. XXXX.
I have proof to show for it.
Kindest regards, XXXX
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This is the third time they allowed this fraudulent account to appear on my credit report after I disputed before and it was deleted. XXXX XXXX, states I owe {$340.00} dollars for an account I never had.
|
| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit systems keeps harassing me. This is showing on my credit. I do not owe them. They purchased this from another company and are violating my rights. It has already been removed from XXXX.
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XX/XX/XXXX Balance : {$1400.00} Original Creditor : XXXX It was placed for collection and I did not receive any letters from the collection agency. It was sent to Southwest XXXX Services in XX/XX/XXXX.
|
| 01/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Improper contact or sharing of info
- Contacted me after I asked not to
|
|
Web |
|
|
I have gotten XXXX phone calls today from a number that pulls up as Southwest Credit, which is a company that I have contacted recently to cease all communications and record that I dispute the charges.
|
| 03/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
They keep asking for XXXX somebody. After I explained that there is NO XXXX at this number, they keep calling.I have been nice, i have hung up on them, I have gotten rude with them and they still call.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Disputed and send police report and FTC complaint to the following companies they refuse to remove the invalid information I have filed an identity theft report on : Southwest Credit Systems {$1800.00}
|
| 05/08/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
SW Credit Systems has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was checking my credit. while logging into my account i discovered 3 accounts that i did not open XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX opened on XX/XX/XXXX
|
| 09/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
South West credit system states I have a det of XXXX I have never work with any company they do business with. Or this deat is per XXXX XXXX deat. Any thing before XXXX was listed under the XXXX XXXX
|
| 06/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
my father used my information when I was a child and I am in debt of {$490.00} with XXXX. I apparently opened an account with them in 2019. I called the company and they said they can not do anything
|
| 11/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The collection agency keeps reporting a XXXX account as mine after I filed a police report and affidavit and faxed all information to them. It added this account twice and now my credit has went down
|
| 05/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I closed my count with no amount owed at the end of a billing cycle with XXXX. I owned my device. They placed my account in collections and have continually harassed me to pay a debt I already paid.
|
| 01/04/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've Contact XXXX tried to explain to them that I did not have an account with them, That this account must have came from Identity Theft, their response you have to deal with the collection agency.
|
| 12/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.
|
| 09/29/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
This company has attempted to collect a debt that is not valid. I changed cell services from XXXX to XXXX. The final bill and Early Termination Fees were to be paid by XXXX but this never happened.
|
| 08/19/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Account Previously Deleted for non validation by previous collector and creditor.
No dunning notice sent by this collector.
This debt buyer has falsified date of account opening, first reported.
|
| 02/16/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer.
|
| 05/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid this Debt very recently they stated to me if i pay in full they would delete from my credit filed I paid in full and now they stat they don't do that after I already paid the full ammount.
|
| 05/26/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Reviewing credit report Southwest credit systems have placed an collections on credit file. Request written verification via certified mail. Company failed to comply according to FCRA guidelines.
|
| 01/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Ive contacted XXXX XXXX XXXX about this debt they are trying to say i owe. They havent responded to me at all. i dont know what else to do. This is the third time i request a response from them.
|
| 08/08/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They have contacted family members and gave then my information. They've been calling everyday. I've told then to stop contacting me and have tried blocking the numbers. They change the number.
|
| 04/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts has been sold or transferred and I am no longer liable for this alleged debt. My consumer rights under FCRA AND FDCPA has been violated as well as my privacy under the HIPAA law.
|
| 12/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
A collection just appeared on my credit file which I know is NOT MINE. I have n't received anything in regards to this. Please help it is showing as Southwest Credit Systems XXXX for {$1800.00}
|
| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a debt collector that keep placing an account on my credit report after it has been removed. It has been removed twice before and they wait for 2-3 months an place it back on my file.
|
| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I have completed a fraud report with XXXX XXXX as well as the previous collection agency that held this account. I have submitted the necessary documentation that verifies I was incarcerated.
|
| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
After reviewing credit reports noticed an unfamiliar derogatory account from Southwest Credit Systems on behalf of XXXX. Made several attempts to discuss, company unreachable, pre-Covid-19.
|
| 08/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This account is reporting on my credit report fraudulently. I contacted the company to dispute this charge and Im still having a problem getting the account removed. This is not my account.
|
| 12/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Received two calls ( with automated messages - no info about the debt ) within an hour on XXXX/XXXX/XXXX at XXXX and XXXX. I have not received any written letters about any debt that I owe.
|
| 09/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Threatened to sue on too old debt
|
|
Web |
Servicemember |
|
southwest credit systems L.P. continue trying to collect on a debt that is barred from collecting according to 42 PA C.S. 5525 ( a ) promissory notes and open end accounts is four years
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX is trying to say I owe XXXX dollars which is false because I was on ACP program. XXXX was credited to my account plus XXXX a month. My bill was only XXXX a month. So XXXX is false
|
| 03/04/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Systems. There is nothing showing on my credit score for anything owed or any defaults. I have recieved no written communication. They call at least three times a day.
|
| 09/21/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent various letters to several of my debt accounts to dispute. Yet, don't seem to get removed from report. I have been disputing through mail and have also disputed via online.
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Frequent calls- all from different numbers but the call name is always SouthwestCredit. Trying to get personal information from me about a debt collection with a mobile phone company.
|
| 07/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
LITIGATION I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens ( mo ) XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists.
|
| 02/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS, XXXX for XXXX debt owed and immediately paid.
This negative item still shows as unpaid as of XX/XX/22 on XXXX.
Receipt of debt paid was sent in last month.
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt
|
| 01/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute with XXXX, XXXX, and XXXX in regards to the incorrect items on my credit reports. It has been well over 30 days, and I have not received any investigation results.
|
| 01/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SouthWest Credit Systems on my XXXX report has it that I owe XXXX XXXX {$390.00}. Back on XXXX XXXX, 2015. That 's impossible, because I was XXXX in XXXX on the above mentioned date.
|
| 07/13/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Southwest credit systems is reporting a balance of {$160.00} dollars on my credit report. I have never done any business with southwest credit systems and I do not owe them anything.
|
| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by Southwest Credit Systems to collect a debt on behalf of XXXX that is not overdue. They misrepresented the nature of the call. They also provided false information.
|
| 10/29/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have requested for the company to validate the with a copy of the original agreement bearing my signature. All I receive is copy of bill with a name that is not mine correct name.
|
| 04/03/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 03/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 01/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 08/20/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 07/15/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 05/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 05/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
|
| 02/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
I mailed proof of payment of {$180.00} to collection agency it was paid directly to XXXX XXXX XXXX which I still have as phone carrier I sent collection agency receipt of payment
|
| 06/01/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Southwest Credit sys Opened XXXX {$100.00} I never used there service are gave consent so this is a fraudulent charge on my credit report and I didn't authorize this transaction
|
| 11/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Company reported debt owed and references Attorney on credit report. Did not notify me. I do not owe XXXX XXXX and closed any money on this account. There was no debt validation
|
| 06/03/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
They have listed on my Credit Report that the debt was incurred in XX/XX/XXXX.
This is impossible since I have not been a member of XXXX XXXX XXXX California since XX/XX/XXXX.
|
| 08/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Company was included in bankruptcy and after bankruptcy was discharged company added charges to my credit report contract company and stated they corrected it but still showing
|
| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have disputed this account many times with SOUTHWEST CREDIT SYSTEMS , L.P .
XXXX. The date it was assigned is XX/XX/2020 and the amount is {$85.00} it doesn't belong to me.
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect information in my credit report. It has been well over thirty ( 30 ) days and I still haven't received any investigation results.
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX has been contacted several times that the collection account that has been reported to the credit bureaus are fraudulent and I want it removed from my credit report.
|
| 11/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
SW Credit Systems L.P on behalf of XXXX has placed a collection on my account that isn't mine. Its identity theft and I've advised them of this multiple times as well as XXXX.
|
| 05/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
While checking credit report, I found this DEBT from XXXX. I have been a victim of identity theft and fraud. I have never used XXXX and never received letters about this DEBT.
|
| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I paid the settlement offer of {$330.00} with confirmation XXXX. I was told on a recorded call the debt would be deleted from my credit report upon payment of the settlement.
|
| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit is attempting to collect on a debt that they purchased from XXXX. When I requested debt validation for thus alleged debt thet failed to properly validate it.
|
| 04/20/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I do not owe on a XXXX XXXX collection bill, XXXX XXXX is my current service company and I always pay my bill on time and have active service. This is inaccurate data
|
| 11/03/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I dont recognize few accounts on my credit report and Just noticed it on my creditr report as a Collection theres three open XXXX credit card and XXXX Telephones companies.
|
| 08/30/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I asked for times and dates of an account being open. I also asked for other information to be given to me because I dont have a account through them I asked several times.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
To whom it may concern, I am writing to you because the debt is too hard for me to handle, I am asking for a deferment and removal of the derogatory mark off of my credit.
|
| 09/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I tell them not to contact me again and they continue to with a different phone #. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX
|
| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Southwest credit systems reported an existing account with an incorrect balance to my credit report the day after my credit report for the month of XXXX became available.
|
| 11/17/2019 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
|
I called and they threatened to arrest me and also curse at me ... they also said that if I dont pay up that police going to arrest me and hold a collection charge on me.
|
| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX credit bureau says account open the other shows closed original dept was with XXXX XXXX XXXX and was charged off but XXXX XXXX XXXX XXXX is trying to collect debt
|
| 10/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a XXXX bill on my credit report that does not belong to me I contacted southwest XXXX and told them that this is not my account and they still will not remover it
|
| 09/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I get multiple calls a week, and I have requested information on why they keep calling. They have hung up on me and will not stop calling after multiple request to stop.
|
| 12/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied to my request yet.
|
| 12/10/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have sent a police report and Identity Theft affidavit to Southwest Credit several times and they keep trying to collect on a debt that was involved in identity theft.
|
| 08/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS -- XXXX has committed several federal violations against me, a Private law abiding Federally Protected Consumer. they have Violated 15 USC 1692c
|
| 10/26/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This account is too old to be in my report. The account has been paid off in full and closed more than 7 years ago. It still showed open and collection at the same time
|
| 09/01/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I received a letter from this company demanding a fraudulent debt.
This claim was alreaduy remvoed from my credit reports beforehand after I filed it with the police.
|
| 02/11/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
Southwest Credit Group. They call repeatedly. I don't even owe them anything. They can't show me anything anyway. They are harassing me. There number is XXXX XXXX XXXX
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have asked the company to provide me with a wet signature or original contract, and a chain of sale from original creditor validating that I owe the debt in question
|
| 08/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I contacted " XXXX '' to initiate service in my new apartment was told I have an outstanding debt that I'm not obligated to pay due to the debt being over 5 years old.
|
| 02/17/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I was XXXX at the time of the collection and did not have anything owed to in my name. This is a mistake and is hurting my credit. I do not have an account with XXXX.
|
| 11/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
SWC GROUP keeps calling multiple times a day with different numbers bypassing blocking attempts. I use a blocking app and there using different numbers to around it.
|
| 05/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
There is an account that just reported on my credit file, THIS IS NOT MINE nor did I receive ANY notification about this, or I would have disputed it. This is WRONG!
|
| 06/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am not liable for this debt with XXXX. I do not have a contract with SOUTHWEST CREDIT SYSTEM, LP, they did not provide me with the original contract as requested.
|
| 08/31/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have tried to get the company to stop reporting incorrect information. They aren't responding to my correspondence and I want to deal with the original creditor.
|
| 09/22/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I paid this debt, there is no debt, I requested a bill, I did not give them permission to add this to my credit report, I do not have a contract with this company
|
| 09/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX promised me a credit on this matter but instead sold it to a debt collector. I was paying for 2 months of services they did not provide ... faulty equipment.
|
| 04/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.
|
| 02/14/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This debt is not mine. I never signed any agreement with the institution. I never authorized this account. The account needs to be deleted most expeditiously.
|
| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I do not have any contract with this company and they are alleging I have a debt with them and have violated my laws attempting to collect this illegal debt.
|
| 06/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
An account appeared on my credit report from Southwest Credit Systems on XX/XX/2019. This account does not belong to me and should to be removed immediately.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
Southwest credit solutions continue to add this account to my profile. This is the 3rd time, and the bill has been removed each time.
This is not my debt.
|
| 05/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regard to the incorrect items on my credit reports, it has been well over 30 days and still haven't received any investigation results.
|
| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Systems is harassing me. They just called me 12 times within 2 minutes. I have tried contacting them back but they do not answer the phone.
|
| 05/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest credit systems never obtained my direct consent for contact pursuant to 15 usc 1692c. They are in violation of the fdcpa pursuant to 15 usc 1692k.
|
| 11/13/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have no knowledge of this debt collection. I have never received any notice or anything regarding this collection from this company. This debt is not mine
|
| 11/27/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was a victim of identity theft. I also fear that debt collection agencies are violating my consumer rights by selling my information or fraudulent debts.
|
| 06/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Southwest Credit Systems, L.P. sent a notice on XXXX that we owe XXXX XXXX {$1600.00}. This amount was already paid for prior to us moving into a new home.
|
| 05/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They call me 2 to 3 times a day, every weekday. They also use different numbers so I can't block them all. Received 3 calls just today, this needs to stop!
|
| 11/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This account showed up on my credit report. There is no written or physical documentation that I signed saying that I will pay or owe Southwest this debt.
|
| 05/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called the company regarding to debt and inform them This was not me the manager didnt want to cancel the debt so now Im force to have this on my credit
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Ive contacted this company on several occasions this is not my account i also asked them can they validate the debt they have not this is not my account
|
| 08/31/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Recieved a letter from this collection agency on XX/XX/18 regarding a phone bill debt that was already deleted and discharged by another debt collector.
|
| 12/01/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
SOUTHWEST CREDIT KEEPS CALLING MY CELL AND PARENTS PHONE IN VIOLATION TCPA, THESE ARE ROBO CALLS AND HAVE VOICE AND CALLING LOGS ETC.. 7 CALLS IN 3 DAYS
|
| 11/25/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
Southwest credit calls me MULTIPLE TIMES PER DAY. It never stops. I do not even owe anything. They call during work, on holidays, on the weekends, etc.
|
| 03/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
|
| 08/11/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Called my cell phone multiple tmes that is on the do not call list without my permission.
Wouldnt verify debt amount Wouldnt provide proof of the debt
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
SW Credit is trying to collect on a debt that is included in my bankruptcy. The original debt is to XXXX XXXX and they are included in my bankruptcy.
|
| 10/21/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Account was marked as SETTLED when I was {$100.00} away from paying in full. I did not agree to have my collection automatically settled and closed.
|
| 06/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Noticed collection account on my credit report for XXXX.
This is not my account.
Attempted to resolve with company, but the issue is not resolved.
|
| 08/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
There is a company stating I owe $ XXXX for an XXXX XXXX XXXX account which is false. Requested validation pending information in still. Please help
|
| 05/15/2015 |
Yes |
- Debt collection
- Non-federal student loan
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
i created this debt along time ago at least 8 years ago an i would like you help on cleaning it up an stop the harassing call from collections ageny
|
| 08/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was on XXXX XXXX and saw some debt that shouldn't be on my report.None of these debts are mine. I would like to have these resolved and removed.
|
| 11/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY ; [ SOUTHWEST CREDIT SYSTEM ] HAS REINSERTED AN COLLECTION THAT HAS ALREADY BEEN REMOVED. THE COMPANY IS IN VIOLATION OF MY RIGHTS!!!
|
| 04/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Repeated, automated telephone calls between 5 and 10 times a day. They were verbally instructed to stop calling, but the harassment has continued.
|
| 04/14/2016 |
No |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I explained to company and all XXXX Credit Agencies that this does n't belong to me. They refuse to move it or send me proof that I should pay it.
|
| 01/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
They never sent initial notice per the law nor validated the reported debt. And yet still attempt to report and verify the debt with the bureaus.
|
| 04/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have a collection from XXXX XXXX for a XXXX account. I've never had cable service in my entire life. I tried to dispute the charge to no avail.
|
| 02/16/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
This is incorrect for one. I 've already disputed this. They took off my record now trying to put it back on. Slimy company trying to make money.
|
| 09/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I looked at my credit report and discovered this account. I have no knowledge of this account. Please remove this account from my credit report.
|
| 06/07/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
XXXX credit is reporting a debt i do not owed i was never contacted by them or any other company about this. This is affecting my credit history
|
| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS IS REPORTING NEGATIVE AND FALSE INFORMATION ON MY CREDIT REPORT! REMOVE THESE ITEMS FROM MY CREDIT REPORT IMMEDIATELY!
|
| 01/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I was reviewing my credit reports and saw a debit collection for {$300.00} which I am not aware of and it was just placed on my credit report.
|
| 08/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt does not belong to me and I have no knowledge of this collection. I never signed an agreement with this company for their services.
|
| 08/31/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
Southwest collection pop up on my credit saying I owe a debt to XXXX for an amount they have not enclosed or provided any dates or addresses.
|
| 10/05/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I recently obtain a copy of my credit report and notice fraudulent activities. I have provide a copy of my FTC report along with proof of ID.
|
| 09/18/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX and Southwest Credit still report account XXXX XXXX despite identity theft report file with XXXX XXXX Sheriff 's Department report XXXX
|
| 11/27/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
COLLECTOR FAILED TO VALIDATE, CALL MY DAD AND SENT COLLECTIONS TO HIS HOUSE AND HAVE BEEN GETTING PHONE CALLS IN VIOLATION OF FDCPA AND TCPA
|
| 03/22/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.
|
| 01/15/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I called XXXX and let them know I have never had their services. XXXX is asking me to verify my address for the time the account was open.
|
| 07/29/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022 southwest credit systems put a collection on to my credit but never sent me a Validation notice Via Mail or electronically.
|
| 06/21/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX is showing an outstanding debt that was not ours. We have resolved it with XXXX, however it is still showing up on my credit report
|
| 04/25/2022 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of Fraud. My I.D . information was stolen when I had a break In and after XXXX had several Data Breaches along with XXXX.
|
| 07/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS, is violating FCRA statutes FCRA 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] and 605 ( b )
|
| 12/06/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt is not even mine, This account was opened and ruined by my exboyfriend without my knowledge. This needs to be immediately removed.
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
Never recieved any notices about this alleged debt. They are also not licensed in the state of Florida to collect on the alleged debt.
|
| 08/13/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.
|
| 07/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I keep getting phone calls and letters. I paid the debt off to the original creditor XXXX XXXX. They are purposely damaging my credit.
|
| 04/04/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft and as a result a collection account with Southwest credit collections is on my credit report.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
SouthWest Credit Systems partial Account # XXXX Was sent USPostal Certified Mail on XX/XX/2023 with no response to settling the debt
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I never did business with these companies. These are medical accounts I've never had, they are not mine. I do not owe these amounts!
|
| 10/14/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
SOUTHWEST CREDIT SYSTEMS XXXX XXXX XXXX SUITE XXXX XXXX, TX XXXX ( XXXX ) XXXX has placed a fraudulent account on my credit reports.
|
| 07/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2017 {$1100.00} reported negatively on my credit profile from a company I never did business with or ever had a contract with.
|
| 11/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I dont know who this company is i have never done business with them, and its false information that needs to be removed right away.
|
| 01/05/2017 |
Yes |
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
There is a collection listed for {$180.00} on my credit file, it keeps on changing company 's when I request validation. Please help
|
| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
|
| 05/08/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
They contacted me and identified the debt amounting to {$670.00} and I never received information to verify and validate the debt.
|
| 09/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
i paid the creditor creditor so the collection shouldn't be on my credit account if they dont own the debt and i paid it with XXXX
|
| 02/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I think someone in family used my identity to create this false account.. I have no knowledge of this account and, or agreement..
|
| 07/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I respectfully request that the company offices provide me with competent evidence that I have any legal obligation to pay them.
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I've tried to fix this more then once but the telemarketer uses offensive words and will not help fix this problem on my report.
|
| 08/14/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest Credit Systems XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Tel : XXXX Alleged Balance Owed : {$1300.00} Original Creditor : XXXX
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
They try to charge me account is no my and destroy my credit score and they call three time a week to admit address is no mine.
|
| 07/15/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling me at my place of work everyday.when I told them My employer does not allow me to receive calls here at work.
|
| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
XXXX is still trying to collect debt not owed.
Find attached confirmation of Device being returned to XXXXXXXX.
Thank you.
|
| 05/26/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I got a call from this debt collector regarding an account that is not mine and they refuse to remove it from my credit file
|
| 11/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
canceled my service. they continued to charge me for XXXX months.they wouldnt remove and threaten to sue. continues calls.
|
| 10/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest Credit Systems constantly contact me about a debt that I have no knowledge of. I want them to stop contacting me.
|
| 12/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
XXXX XXXX {$410.00} did was disputed and removed off credit report and this company Resubmitted this again on credit report
|
| 08/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I received notification I have an XXXX debt which is false. Requested validation and nothing has been received. Please help
|
| 06/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I am submitting this complaint to Southwest Credit Systems. There is no third party involved please see attached complaint
|
| 10/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.
|
| 10/21/2020 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was reviewing my credit report and notice several fraudulent accounts. I provided 2 forms of my ID to prove my identity.
|
| 02/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Again this debt appears on my 3 credit reports when it was al ready disputed and removed due to inaccuracy and unverified.
|
| 04/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2022 and XX/XX/XXXX XXXX submitted debt verification letter. Received no response to my request to verify the debt.
|
| 02/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never had XXXX XXXX. I do not know what this is and it is not my account. This needs to be removed from my credit.
|
| 11/15/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2018 for an amount of {$130.00} debt collection was placed on my credit. I received 0 notification about such debt.
|
| 12/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On my credit report it does not have an opening date, because I have never opened this account and this dept is not mine.
|
| 08/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my balance of XXXX and they put it on my credit report after they cashed the check and then said that I owed XXXX.
|
| 01/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent documents and XXXX XXXX XXXX is not responding to me. This is a debt is alleged and I need more information.
|
| 05/16/2021 |
Yes |
- Debt collection
- Credit card debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Never heard of sw credit systems and why they should add a collections derogatory mark to my credit profile for {$59.00}
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Southwest Credit Systems placed a trade line on my account, without a written notice to my address.
Amount {$150.00}
|
| 07/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This was done by my family who works at XXXX owned by XXXX XXXX. They added lines to my account t and left me hanging.
|
| 01/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was from 4 or 5 years ago, but it is being reported as a new debt as of XX/XX/2016, by SW Credit Systems Inc.
|
| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
|
|
Web |
|
|
I have XXXX XXXX and other collections on my account that I did not attempt or live and the address they have on file
|
| 11/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I requested in writing for Southwest Credit To Validate Debt which they failed to do by just send me a copy of a bill
|
| 09/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Account that does not belong to me was filed under my credit report. I have no knowledge of this account. It is fraud
|
| 06/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I haven't lived at this address nor used this service in years this is a ongoing issue with other utilities companies
|
| 08/31/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
They keep calling from different numbers everyday all day long. Ive talked to one guy and told him to stop calling.
|
| 04/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
I settled these loans in full for deletion with the collection agency. Now, XXXX is refusing to update the accounts
|
| 05/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
open date on my credit report XX/XX/2018 Last reported : XX/XX/2018 {$300.00} reported as fraud on my credit report
|
| 12/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
SOUTHWEST credit systems l.p. Is attempting to collect a debt and is not licensed in my state to collect this debt.
|
| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
The date on XXXX, southwest credit systems. Amount XXXX. XXXX XXXX XXXX Southwest credit system.
XXXX XXXX number
|
| 06/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have contacted the company for the information to be removed from the XXXX since it was inaccurate information.
|
| 01/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX is reporting a balance owed and the balance was paid and I currently have the service with the company
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Company improperly submitted an old collections account as new, damaging both my credit report and credit score.
|
| 12/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX I called in and ordered the company to stop calling me. They have since called twice and are harassing me.
|
| 06/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either.
|
| 10/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
Southwest Credit called a number they have on file for me that was unlawfully furnished and obtained by them.
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have reach out to both companies and disputed both items and stated its showing duplicate on credit report.
|
| 09/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
i call twice so i can get a proof of debt, had not receive anything showing from what the debt is coming from
|
| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Southwest Credit Systems keeps reporting inaccurate information on my credit! Please take off or I will sue!
|
| 01/20/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have no knowledge of this account or who it belongs to. It is incorrectly reporting on my credit reports.
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
sw credit systems inc. for XXXX. my credit report states i owe them XXXX. I have no idea what this debt is?
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I was checking my credit report and saw some unauthorized and unvalidated inquiries and a debt collection.
|
| 02/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
There is no way I owe XXXX XXXX XXXX I did pay for my final bill, This is inaccurate and false please help
|
| 06/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I called the depth collecting agency and they said that it was n't active because it was n't me after all.
|
| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
There is a collation on my XXXX and XXXX report that does not belong to me I 'm a victim of identity theft
|
| 12/16/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I dispute the Validity of this debt. I've never done business with 'southwest '' nor signed any contract.
|
| 02/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Per FTC sec 609. credit agencies are not validating my account they are simply verifying my information.
|
| 10/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Made several attempts to resolve with Southwest Credit Systems. During the time of services, I was XXXX.
|
| 03/30/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
SW credit systems no longer has the account and still reporting on my credit report after I disputed it.
|
| 09/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debit was deemed fraud by previous collections company and sold as new debit to new collections company
|
| 12/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
I have no legal binding accounts with this company nor any debt and no accounts with the number of XXXX
|
| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Unknown account, never have done business with this company, disputed requesting validation please help
|
| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Was not notified of investigation status or results
|
|
Web |
|
|
Southwest Credit system is not legally licensed & bonded in the state of Florida to collect on a debt.
|
| 04/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
|
This company maliciously damaged my credit report without allowing a rebuttal. This debt is not mine.
|
| 09/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Complete scam robo calls never stop from all over the US. Never did business with these scam people.
|
| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I don't know who this debt belongs to, they just put this on my credit report without my knowledge.
|
| 03/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
company told me my early termination fee was going to be {$300.00} and then sent me a bill for XXXX
|
| 05/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Personal information incorrect
|
|
Web |
|
|
Debt is not owed and is showing up on my credit report using an address that I have never lived at.
|
| 04/21/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I 'm victim of identity teiff and I reach out to this company but they still want me to pay for it.
|
| 11/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
DEBT IS NOT MINE. IM A VICTIM OF IDENTITY THEFT. NOTIFIED COMPANY, BUT COMPANY CONTINUE TO REPORT.
|
| 09/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
sent debt validation letter multiple times XX/XX/2019 XXXX XX/XX/2019 final letter sent XX/XX/2019
|
| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Southwest Credit Systems on XX/XX/2022 started report on my credit report. This is not my account
|
| 03/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
Indirect when I am asking what business matter is about then asks to verify personal information.
|
| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have a XXXX account on my credit report from southwest collections and this is not my account
|
| 05/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid my final bill, closed my account and turned in my equipment at a XXXX and XXXX location
|
| 03/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Collection of an account in someone other than me 's name and versifying incorrect information.
|
| 06/27/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I am not aware of this debt, Please help to remove from collection report / credit report asap.
|
| 01/01/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Collection report date onXX/XX/XXXX 2017 Original creditor : XXXX XXXX XXXX Amount : {$160.00}
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
southwest credit XXXX XXXX not owed bill paid still on credit report. It is ruining my credit
|
| 03/24/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX charge on my account was paid on XXXX/XXXX/2014 but is still open on my credit report.
|
| 10/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Southwest credit system reporting identity theft, fraudulent account to my credit report.
|
| 05/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
They are trying to collect a debt that was paid in full to the original creditor ( XXXX )
|
| 09/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
This open collection XX/XX/2021 say i owe {$1200.00} and i never did business with them.
|
| 07/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Acct reporting negative open in collections Account has been paid off in XX/XX/2021 2021
|
| 12/02/2017 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Southwest calling me insisting that I owe an invalid debt that I have no knowledge of.
|
| 06/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This account is reporting in accurately to my credit report and it is not verifiable.
|
| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/19 southwest credit syste. this debt is not belong to me, ... .it is fraudulent
|
| 03/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
|
Got letter mailed XX/XX/XXXX saying I owed {$400.00} with no explanation of what for.
|
| 05/08/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I never opened a XXXX wireless account or did I give my authorization for any account
|
| 05/03/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do n't have any knowledge of this debt, nor was I provided with proof of such debt
|
| 02/02/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Company name is southwest credit, located in XXXX tx.
They are calling me everyday.
|
| 07/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Creditor did not allow me a time to pay the debt before placing on my credit report
|