Southwest Recovery Services, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
03/20/2020	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	TX 75040	Web
I retrieved a copy of my credit reports ( see attached ) and noticed that Southwest Collections had placed an entry on my credit reports. I have never conducted any business with this company, nor had I ever received anything from them in writing. More specifically, being that they placed this erroneous, inaccurate entry on my credit reports, they never communicated in writing to me regarding the alleged debt. Moreover, they violated my consumer rights by doing so. Consumer law provides a collection company must send a dunning letter to a consumer when alleging a debt is owed and grant 30 days for the consumer to dispute the validity of the debt. They were negligent and blatant in placing this entry on my reports as I was not notified. In XX/XX/2020, I communicated with the credit bureaus in writing ( see attached ) disputing the validity of the entry. I did not receive a timely response from XXXX. I communicated in writing to Southwest Collections, sending my dispute of validity to their entry/claim, certified mail, to the address reflected on my credit report ( see attached ). I did not receive any notification from them until XX/XX/2020. This is well over 30 days. In their response, see attached, they state that the letter was sent to the wrong address. This is untrue as they report their addresses to the credit bureaus with their subscription. My letter was mailed to the address reflected on my credit report at time of the dispute ( see attached ). How then did they receive the letter if it was not the correct address? Being that I sent it certified, why was the letter not undeliverable and returned to me? This is a mere stall tactic on their behalf for not responding in a timely manner as required per law. Additionally, they state that they will update the entry with the credit bureaus on XX/XX/2020 as disputed. This account should have been marked as disputed with the initial letter sent to the credit bureaus as this was my initial dispute. Being that XXXX claimed that the account was verified by Southwest, it was the responsibility of Southwest to update the bureaus with the account marked as in dispute. Why was this entry not flagged as in dispute from my first dispute with XXXX if XXXX communicated with Southwest. Additionally, this dispute with XXXX would have alerted Southwest that I was indeed disputing this entry they placed on my report. So for Southwest to state, my dispute letter went to the wrong address, why didn't they communicate with me in writing once they were alerted by XXXX of the dispute and then they verified with XXXX as per XXXX. It is not my responsibility as the consumer to send my dispute to any other address other than that which is reflected on my report. If they change their address, they must update it the bureaus and not penalize me as the consumer for what is reflected as their address on my report in order to communicate with them. This is yet another violation. In my first letter to Southwest, for which they failed to address in their response, I requested debt validation. I specifically requested : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary None of the above validation requests were answered in their response thereby prompting me to question the veracity of this entry being placed on my credit report. If Southwest Collections truly has evidence and documentation to support/justify their placing this inaccurate entry on my credit report, why have they not provided it? Too, they did not provide any documentation bearing my signature. Why, if they are stating the alleged debt is valid. Where is the account record for this entry? Lastly, Southwest is responding to my second communication to them. They did not respond to my first dispute sent to them. When they failed to respond within 30 days, my second request, sent certified was for them to cease collection efforts and remove the entry from my report since they were unable to validate their claims. That is my right. They had 30 days and did not respond, yet they want to continue to damage my creditworthiness with information that is unverifiable and inaccurate. I also sent a certified letter to XXXX as well to delete the entry from my report given that Southwest did not provide a response in a timely manner. Why did they not provide me copies of all correspondence they should have sent to me prior to inserting this on my credit report? Again, this reflects the contradiction with Southwest communicating with the bureau, yet not with me. At any rate, this entry must be deleted from my credit report.
01/17/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92337	Web	Servicemember
I submitted this letter dated XX/XX/XXXX and the refused to provide any information. Ive never heard of this company and the alleged and erroneous debt should not be on my personal credit report : Dear Southwest Recovery Services : You placed a collection for a debt from a creditor by the name of XXXX XXXX. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. Please respond to the above requested information within 30 days of the date of this letter. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in disputed. They never provide any information to verify this so called debt.
06/09/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 730XX	Web
This complaint is against Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Agent involved : XXXX XXXX XXXX : XXXX Toll Free : XXXX x XXXX XXXX XXXX Initial phone call from Southwest Recovery XXXX relayed the debt info, and I explained to her that I didnt believe this was a debt that we owed. She said she would send supporting documents. Documents were never sent XXXX XXXX XXXX phone call from Southwest Recovery XXXX relayed the debt info again, and said that she hadnt been able to send the documents because she hadnt been able to get them from XXXX XXXX group yet ( they were the original creditors who sold the debt to Southwest Recovery ) . I verbally made a request for a validation letter and asked her to keep all correspondence regarding the debt via email. XXXX XXXX XXXX email received Email received containing a ledger of charges and a copy of the original lease agreement. Validation letter was not sent XXXX XXXX Response email sent I emailed XXXX to let her know that I still hadnt received the validation letter. No response ever received to this email request XXXX XXXX 2nd email received XXXX started a new email thread PAYMENT NEEDED. Included was a courtesy reminder that a payment was needed to cease action. No validation letter was sent XXXX XXXX XXXX email sent I reminded XXXX that XXXX had requested a validation letter via phone on XX/XX/XXXX, as well as via email on XX/XX/XXXX, and requested for the 3rd time that it be sent. XXXX XXXX XXXX email received XXXX informed me that she had responded to my request, and that she informed me that my validation letter was issued to me via email on XXXX ( Note : this date is prior to me asking for the validation letter on XXXX, also prior to me giving permission for written communication ) She stated further that she can not duplicate the letter as it is generated by the system for security purposes. XXXX XXXX Response email sent I outlined for XXXX that : A ) I had not received the validation letter B ) explained that the timing she claimed did not add up to our prior communications C ) asked for her to send a dated screenshot of the response she claimed to have made to my request as proof of her communication D ) requested that if she could not provide the validation letter via email that it be sent to my home address, which I included. No response was ever received to these requests. XXXX Credit report flagged for collections-XXXX XXXX XXXX XXXX decrease of XXXX points is noted Dispute on XXXX credit report is filed by XXXX XXXX Validation letter still has not been provided. It has only been 27 days since any written documentation at all was provided ( ledger and lease agreement ) XXXX Credit report flagged for collectionsXXXX XXXX XXXX XXXX decrease of XXXX points is noted XXXX XXXX Dispute of Debt email sent Formal written dispute was sent to XXXX at Southwest Recovery with all supporting documentation XXXX XXXX XXXX email received XXXX outlined all of the reasons why my dispute was invalid, and said I have not provided documentation to prove that the placement was invalid. She also said as a courtesy, I am willing to give you a complete deletion of the negative tradeline on your credit if the full balance is paid by XXXX '' XXXX XXXX : :pm Proposal of XXXX XXXX sent I created a new email thread Proposal of debt resolution wherein we agreed to pay {$1200.00} + {$55.00} = {$1300.00} in exchange for a complete deletion of the negative credit reporting. A series of back and forth emails to try to explain why the amount being charged was invalid and more supporting documentation was sent throughout this day. XXXX No response received from Southwest I began to research my rights under the Oklahoma Laws and found my right to file a complaint with Consumer Finance. I am able to provide proof of all above mentioned email conversations as well as phone records upon request.
08/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Impersonated an attorney or official	TX XXXXX	Web
The Debt Collector originally called me but, not recognizing the number I did no answer. He then called my mother who live in XXXX ( I live in XXXX ). I had her write a letter of everything that was said so I could contact Southwest Recovery Services about the situation. The letter is as follows : XX/XX/2016 On XX/XX/2016 1 received a call from a XXXX XXXX about XXXX. He said he was with XXXX XXXX XXXX XXXX XXXX XXXX in their accounting department regarding a payment that must be made immediately or it would be sent to collection. He mentioned that it was for services provided by Attorney XXXX for XXXX. He said he talked to my son and that since I had made a credit card payment for him before that I have to pay the balance due. Did n't know what was going on so told him needed to call my son and find out. He gave me his number of XXXX. After talking with my son, called him back but just got message machine for a XXXX ( I believe ). When I made the call it was then I found out that he was with Southwest Collection Agency and not with XXXX XXXX XXXX like he stated when he called. He never mentioned being with a collection agency to me during his first call. Only that I needed to pay immediately. He would not give up and he made me feel threatened and tried to shame me so I would make payment. On XX/XX/2016 received a call from XXXX XXXX about XXXX or so. He indicated that he had talked with my son. However, I know for a fact that my son only left him a voice mail late on XX/XX/XXXX indicating that I was not responsible for the amount due to XXXX XXXX XXXX since I had never signed any contract what so ever. He went on and on saying that I was responsible since I had made payment via my credit card and that he had the information on file to make that payment. I did n't give him any information and when I tried to tell him that I was not liable for my son 's bill he would not listen to anything. I told him to remove my name and number for the file and if he called me again I would report him and sue if it continued. He then informed me that I just made myself liable for the debt incurred by my son -- said have a nice day and hung up. I consider his comment about making myself liable for the debt was another threat on me and did n't appreciate it. She did not know he was a debit collector with Southwest Recover until after she spoke with me and called them back. I then contacted Southwest Recovery Services and received a call back from Compliance Officer XXXX XXXX. He spoke with my mother and wrote me the following e mail : XXXX XXXX, I received your voice mail this morning from your call last evening. I appreciate you taking the time to express your concern regarding our handling of your account. I just spoke at length with your mother. I did return the call that she made to our office. I appreciate her comments and concerns with regard to our contact with her. I am the Compliance Director with Southwest Recovery Services and am conducting an investigation into this matter. I assured your mother that no further contact from our office would take place unless it was directly from me. I informed her that I would review the information, interview the representative and his supervisor and attempt to pull the telephone call recordings between you and our company and your mother and our company. I committed to her that I would respond with my findings in this matter and contact her the early part of next week. I assure you that we do not encourage or condone unprofessional conduct on the part of any employee. We require honest and ethical communication in all circumstances and all employees must follow all required state and federal laws regarding consumer debt collection practices. Our policy allows for disciplinary action that may include termination should an employee be found negligent and in XXXX
06/27/2016	Yes	Debt collection Payday loan	Communication tactics Used obscene/profane/abusive language	CO 80109	Web
I took out a pay day loan around XXXX from XXXX. I did not pay it back in the time I was supposed to. Sometime later I kept asking XXXX about the debt I owed and they gave me a number to call. I called the number and they said they did n't have anything for me. Around XXXX I opened a bank account with my bank at the time of the payday loan. They said I owed them the money for the payday loan so I paid them back. A couple months ago I tried to get a loan from my bank and they said my credit score was too low so they offered to heal my credit. He looked up XXXX of my credit reports and said I had a delinquent account. I was surprised as I thought I was paying off everything. He said the debt was with a company called Southwest Recovery Services. I tried to find a way to contact this name. I found nothing. I let the banker know about this and he emailed me back saying he found a number. I called the number and the man was very rude and unprofessional. I felt like it was a scam and I told him so and I was very wary of giving him my social security number. Unfortunately I did n't record the conversation. Sometime later I got a call from XXXX XXXX, it was pretty early and I do n't remember exactly what he said. I remember telling him that I could n't pay the amount right that second because I have rent coming up. He wanted me to pay the whole amount immediately. I asked for a settlement and he gave me one but still wanted some of the money right away. I told him I would talk to my dad and get it to him in the next week or something like that. He got my email address and sent me an email with a settlement attatched. I put the amount I thought I owed in my budget. The email gave me about tow months to pay the amount off and a specific date by which to pay part of what I thought I owed. He called me a couple weeks later and was pretty vague about why he was calling. I said I do n't owe the partial payment until later in the month, like the XXXX or something and the rest of the settlement is due by XXXX XXXX. I said I 'm driving through a XXXX so I 'm about to lose service and then the call was lost and my phone said call failed. He called me again, a week before the payment was due and this time was very rude saying the payment should have been paid already and something about calling me on XXXX XXXX. I did n't have any paperwork with the dates he had given me so I just said you told me the payment was n't due till later. He continued to speak to me loudly and rudely, so I asked to speak with his supervisor. Another guy got on the phone and also said nothing about this being an attempt to collect a debt. I put him on speaker and my dad was there listening for only part of it. I told him I did n't think this was a legit company and that they spelled my name wrong on the email. He also insisted on saying I owed the money now and that the settlement was basically just a favor and was something they were n't required to offer me. He was very rude and I hung up the phone. He sent me an email saying he did n't think I was being harassed. He said he listened to the conversation that was recorded. I hope all my conversations were recorded. He said maybe I was confused because the settlement I had previously received was written wrong. he attatched a new settlement with my first name spelled correctly and my last name added this time. They still have an incorrect address for me and I have not been asked for my address at all at any point. I have not received any thing by mail. I want to pay off all my debt. I want to find out if I owe this debt. I called XXXX today and their collection office has nothing for me.
05/17/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	CA 95148	Web
I use to own a XXXX XXXX business that I have sold in XX/XX/XXXX. I called the number on a sticker under my Credit card machine to cancel their service. I received an email on XX/XX/XXXX stating my request for the account closure as requested was completed. On XX/XX/XXXX, I received an email by XXXX XXXX given an address to return all equipments. On XX/XX/XXXX I expressed shipped all equipments with cords through XXXX XXXXXXXX XXXX After shipping back the items request, I called back the number provided by XXXX XXXX in the email to verify if there was anything esle I needed to do, and she told me no. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX stating I owe a balance of {$250.00} as of XX/XX/XXXX. On XX/XX/XXXX I called them back to ask what the fees are for. I explained to the person on the phone from XXXX XXXX XXXX that I have sold and have relinquished all association with that business and she told me she sees the error through their third party company XXXX and that I needed to get a hold of them to clear my name. She told me this was a simple mistake to resolve and how she does see the error and she reassured me not to worry. On XX/XX/XXXX XXXX XXXX from XXXX responded to me, and so I emailed him the context of my dilemma and heard nothing back. Fast forward a whole year later, without receiving any mail or call or even an email, on XX/XX/XXXX I get an email from XXXX XXXX from SouthWest Recovery stating I have an outstanding balance of {$590.00} owed since XX/XX/XXXX with {$0.00} charges in interest and fees. I emailed XXXX XXXX back to ask where the amount stated owed is accumulating from because before in previous emails from XXXX XXXX XXXX it stated the balance was {$250.00} and with his current email the amount stated owed has increased drastically to {$590.00} and the statement he sent says ZERO amount was charged in interest and fees. On XX/XX/XXXX, I called Southwest Recovery and spoke to XXXX XXXX to clarify what this amount stated owed is for. And she told me it was the cancellation fee for ending my contact early. I kindly asked her to send me an email with supporting documentation as to what the fees are and how much is it. And I never heard from her again. I also never received an response by XXXX XXXX either until XX/XX/XXXX he stated : Balance Letter - Eligible to Credit Bureau Your account is past due and has been submitted to our office for collection and credit reporting. Your account will be eligible to report to the credit bureaus in 15 days. According to our records, the current balance owed is {$590.00} and is now seriously past due. In order to avoid further collection activity, please contact our office to discuss a resolution to this account He just states I owe the balance and gives ZERO context as to where this amount is accumulating from. I also spent many hours trying to call back South West Recovery, but I just keep getting my call transferred around and finally to a voicemail in which I get no call back from. Out of sheer panic, my daughter decided to help me and decided to pay the amount they claimed I owe. Today on XX/XX/XXXX my daughter showed me the amount they charged was listed for healthcare, a medical service. This was not a healthcare service or any form of medical help. I want this company to be further investigated for fraud and scam. Because their harassment for a baseless balance stated owed is causing me quite severe XXXX XXXX XXXX that is affecting my quality of life.
08/19/2018	Yes	Debt collection Mortgage debt	Written notification about debt Didn't receive notice of right to dispute	CO 80138	Web
In the year XXXX, I XXXX XXXX, co-signed for my daughter XXXX XXXX apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX as she had relocated there for college. Once her lease ended in XXXX, I traveled to XXXX XXXX to help clean up and move her back home to XXXX. We took pictures of the apartment and completed a walk through with a representative of XXXX XXXX, which was cleared. We were told that XXXX could expect her full deposit of approximately {$350.00} in the mail. To this date, XXXX has not received her deposit. In XXXX, I received multiple phone calls from a woman who refused to provide her full name and was representing herself as a representative for XXXX XXXX, demanding a varying amount between {$160.00} and {$170.00} dollars. I requested written verification of the amount and reason for the amount as we had not been charged or notified of any further expense after the walk through of the apartment or within a reasonable time frame. I also reminded the caller that they had kept XXXX deposit, which exceeded {$160.00} and never sent her or myself an explanation of what that deposit was used to pay. To this date I have never received a verification bill or letter as requested to XXXX XXXX. In XXXX of XXXX, XXXX XXXX put me in collections for a delinquency of {$160.00} through XXXX, which I disputed and am attaching verification of letters sent from an attorney I was forced to retain due to XXXX XXXX negligent and unprofessional conduct. XXXX XXXX never responded to my request of verification and validity of their alleged money owed nor did they respond with verification of withholding of XXXX deposit. This lack of compliance by XXXX XXXX, resulted in XXXX deleting the collections delinquency from my report in XXXX of XXXX. To my surprise, on XXXX of XXXX, I received notification that I was in collections again for this deceitful charge from SOUTHWEST RECOVERY SERVICE representing XXXX XXXX for the amount of {$200.00}. Here again, I never received verification of debt from SOUTHWEST RECOVERY SERVIC in accordance with the law. I have always ensured that I pay my debt in a timely and responsible manner. Had I received proper verification of debt from XXXX XXXX as I requested in XXXX and XXXX, I would have paid my debt promptly. However, I was not afforded that right. I am attaching documentation of this unfounded debt and proof that XXXX XXXX has acted in a negligent and unlawful manner by not responding to legal counsel representing me in XXXX. I demand that SOUTHWEST RECOVERY SERVICE investigate and immediately delete this unfounded delinquency from my credit report and notify XXXX and all credit reporting agencies.
07/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OH 453XX	Web	Servicemember
I shared with this collection agency, that XXXX XXXX is attempting to collect a debt through them that is not valid. I am asking the company to verify that this a real debt and proof of where I agreed to sign a contract with this company to keep or store my stuff beyond leaving the XXXX XXXX. In addition, I need copies to the bills that that XXXX reported they sent to my house prior to collection for prior years ( which never occured until XXXX. I offered to give company settlement they stated XXXX would not accept. I was then told that the illegal debt from the original biller would be on my credit if not paid by XXXX/XXXX/2016. I offered to pay or make payment of something. I am requesting that this not be placed on my credit or deleted until this company sends the proof XXXX has right to bill me ( copy that I signed contract with them ) which never occured to keep storage etc. I am also asking nothing to be placed on my credit and removed immediately if placed until this verification and or agreed upon outcome with XXXX /settlement with agency has had time to respond or develope. Please also note that I wrote via email for this verification over three weeks, Southwest stated on email today he would send ( but later denied ) stating ok I will send the letter and verification you request, the later claimed I was stalling a bill and oh he mailed to my home over 30 days ago. but earlier in email he stated he would verify and send. Point is he is trying to collect a an illegal debt and he is refusing my basic right for it be verified specifically with a letter or copy from original creditor where I signed to place my items in storage and keep my items in storage for a certain amount each month or payment terms or something. ( they dont have record of nor does the orginal company. So instead Southwest is claiming lies that I am stalling payment when I told him that if an agreement is not made I will be forced to pay a illegal bill. I am here for one goal solve this!!!!!!!!!!!! Southwest cant verify either nor did they mail anything to my home, because my contract for storage or signed information with that company does not exist and after agreeing to me he would send he then changed his course and lied stating that he mailed out thirty days ago. If that were true why would I have requested in writing verification 2 weeks ago and today? really? Please note I can email to someone the entire email conversation with Southwest today. and copy a few statements to verify this I was unable to upload proof but I can email later to your address. XXXX
07/10/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX XXXXX	Web	Servicemember
Southwest Recovery Services on behalf of XXXX XXXX unlawfully filled collection action on behalf of XXXX XXXX XXXX. In XX/XX/XXXX I was initially contacted by XXXX XXXX w/SWR about a bill from XXXX XXXX XXXX XXXX on behalf of XXXX XXXX for a date of service of XX/XX/XXXX. which he said he received from XXXX XXXX XXXX in XXXX of XXXX. Is the timeline odd enough? Wait, it gets better ... I asked that he send me the bill and I would forward it to XXXX for payment because this was a worker 's compensation injury. He agreed and said that he would reach out to XXXX XXXX XXXX and provide me a copy of the bill, however, with the Covid going on, he was not confident that he would get a quick response. He called back a couple of times, left a message, I returned his calls and I reminded him that he said he would get me a copy of the bill so that I could provide the same to XXXX for payment. He said that he had reached out to XXXX and had not heard back from them. I never received any written or electronic correspondence from SWR whatsoever. The burden of proof roles flip : On XX/XX/XXXX I was notified by the credit bureau that I had a collection activity on my credit report. I called SWR and could not reach Mr. XXXX, nor has he returned my call. So I called XXXX myself talked to someone in the billing department who said that all of my XXXX XXXX bills have been paid in full and suggested that she could transfer me to the Physician billing Department. I then spoke to Ms. XXXX XXXX in the Physician billing department who indicated that during my visit on XX/XX/XXXX I was not seen by XXXX XXXX and my bill was paid in full by the XXXX for all of my visits to their facility. Ms. XXXX email me an itemized statement for XX/XX/XXXX which clearly shows that I was never seen by XXXX XXXX nor is he affiliated with XXXX. Fun fact : I am unable to find a XXXX XXXX practicing in XXXX She went on to say that XXXX has no relationship with XXXX XXXX nor Southwest Recovery Services and clued me into the fact that SWR had no right to negatively impact my credit without providing an itemized statement prior to reporting credit bureau. Based on my investigation Southwest Recovery Services had no legal right to initiate collection activity on behalf of XXXX because XXXX doesn't have a contract with SWR. They can not produce a bill or statement of services and yet this did not stop them from their collection efforts. One thing is clear : Their approach is disorganized, irresponsible, and caused unnecessary harm to my credit reputation.
12/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07110	Web
Today is Tuesday, XX/XX/2022 and I am filing a complaint about a collection that was found on my credit report. I have been dealing with numerous accounts being opened under my identity fraudulently and have filed two other complaints about my identity theft issues with CFPB. This collection is from Southwest Recovery Services located at XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX for the collection in the amount of {$570.00} on behalf of XXXX XXXX XXXXXXXX. On my credit report, it shows that this account was fraudulently opened under my name on XX/XX/2022. After learning about this fraudulent account, I contacted XXXX to file a dispute about this collection since I am a victim of identity theft. XXXX is the only bureau that has this fraudulent collection account on my credit report and the other two credit bureaus, XXXX and XXXX, do not. I filed a dispute with XXXX about this collection on XX/XX/2022 and my dispute was completed on XX/XX/2022 with no email or text informing me of the results. This was very odd since I always receive updates on my disputes with XXXX since I signed up for text and e-mail notifications. This led me to call XXXX today, XX/XX/2022 at XXXXXXXX XXXX and I spoke with an agent named XXXX. I informed her that I filed a dispute about this collection on XX/XX/2022 and received no response about my results. She stated that XXXX concluded that 'I am the rightful owner of this account based on their investigation, ' which is upsetting since XXXX is aware that I have filed multiple disputes about fraudulent accounts being opened under my identity. I requested to file another dispute on this collection today since it is not right how XXXX is conducting their investigations. I let XXXX know that I am and have been a resident of XXXX XXXX all of my life and I have no affiliation with XXXX, which is where all of these fraudulent accounts are being opened under my identity. This is not the first time results from XXXX were not in my favor, which is why I continue to reach out to CFPB to find resolution with my identity theft matter. On XX/XX/2022, I went to my township 's police station, XXXX Police Station, to file another police report on my identity theft issue. I filed my police report with XXXX XXXX XXXX and he included this fraudulent collection from Southwest Recovery Services on my police report. In addition, XXXX XXXX XXXX has entered me into the XXXX as a victim of identity theft. I have frozen all of my credit reports with all three credit bureaus, as well.
10/16/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IL 623XX	Web	Servicemember
I closed my acc with XXXX XXXX XXXX ( a processing credit card payment company ) on XX/XX/XXXX in good standing to switch to a different company with better rate. Even after closed merchant acc and not providing services, they still try to to steal ( debit ) my bank monthly. So we had to go ahead change our bank acc number. On XX/XX/XXXX, they sent me an email claiming that i have a balance of XXXX $??? I guess they tried fo steal from our bank but can not, and that {$87.00} is original from their monthly fee of a closed account that they think they have the right to collect. Another word for it is Fraudulent Bill. XXXX created their own fraudulent bill, keep adding up on what so call unpaid balance to XXXX $ ( attach is the image of their bill as of XX/XX/XXXX ) Finally they try to have XXXXouth West Recovery Services to collect it for XXXX $??? ( attach is the image as of XX/XX/XXXX ) I attached all the pictures to prove im honest and telling the truth. Since the date i closed my merchant account til now. I called SWRS to validate the debt, first they acted like their computer was down so they couldnt locate my account. Then a week later-today A lady named XXXX from South West Recovery Services call me while im working and harrash me on an unvalid debt, i told her i will report this to Federal Trade Commison & CFPR . She said OK OK like she dare me to report her, then rudely hang up on me. Technically they tried to hold my good credit XXXX for their unvalid and unaccurate debts with hope to scam some more out of us. They target newly business owners like me, dont speak very good XXXX and have know so little about law, with hope we will give in so they can take advantage of us more and more. Like throwing the spagetti to the wall and hope it will stick somehow. XXXX XXXX XXXX created fraudulent bills for SWRS to collect. Then SWRS use the same method that XXXX XXXX XXXX use. Debt parking on random people with hope people settle an fraudulent and unvalid, unaccurate debt when theyre trying to apply for mortgage/loan because the negative mark on credit reporting they wrongly created could hurt the chance for these innocent people of securing a loan. These company think theyre above the law somehow, scam people everyday and think theyll never get caught. Im wondering how many of their victims already did fall and will fall for their scam?? very sad Any more question or proof, Please dont hestitate reach me at XXXX or XXXX Thank you so much Sincere XXXX XXXX
01/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85212	Web	Servicemember
On XX/XX/2020, myself and my underage minor son, XXXX XXXX went to the XXXX XXXX XXXX XXXX XXXX for an urgent XXXX XXXXXXXX test. My underage minor daughter, XXXX XXXX had been to the same clinic 2 days prior for the exact same test. We were all seen by the same doctor and had the same test performed- a simple rapid XXXX XXXX test. At the time I had XXXX XXXX XXXX XXXX insurance. Many months after the tests, I was sent direct payments cover part of the payment owed the hospital. In all I recieved different payments for each of us, as were entered into the billing systems with different billing codes. All checks I received were given IN FULL to the billing office at XXXX XXXX XXXX XXXX XXXX XXXX. They did not cover the original billed amount, but the agreed upon insurance covered amount. Unfortunately the staff at the XXXX XXXX XXXX XXXX XXXX allocated the funds incorrectly and overpaid some of our accounts ( XXXX ) and underpaid some of our accounts ( XXXX ), making it appear as if the account was unpaid. In all, the medical facility received all payment owed for the XXXX covid XXXX tests for all 3 patents. After many many months ( at least 8 months ) of disputes between the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX and myself, the matter was finally resolved by management at the XXXX XXXX XXXX XXXX XXXX and the accounts were closed as paid and in good standing. The matter was closed. More than XXXX year later, I received a DEBT COLLECTION notice out of the blue from a company called S.W. Recovery Services saying I owed {$3200.00}. They did not reference when services were performed, for who, or any other details. I disputed the claim with them. They next sent me by mail and old bill from XXXX 's early visits showing the unresolved payments for the XXXX XXXX test from XX/XX/2020. I told them this matter was complex, had a lengthy dispute, was more than XXXX XXXX XXXX and had been resolved as closed and paid. They continued to threaten me with credit bureau reporting and legal action. How do I get them to stop trying to collect on this matter? It is not a valid claim. It was a closed, paid account. And it was an early XXXX XXXX test that became eligible to be paid in full without medical insurance REGARDLESS. No other services were rendered at that time besides one XXXX test for a XXXX XXXX XXXX child. Thank you for your help in this manner. XXXX XXXX
02/15/2018	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76001	Web
On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced. I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX suggested that I report this to the BBB. I am also filing with them also. Thank you for your consideration and hope to hear back soon.
11/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 33914	Web
My business ( XXXX or XXXX XXXX ) closed over 2 years ago. When we closed it, all debts were paid ( not a bankruptcy ) and every company we contacted was told to close any accounts and we confirmed XXXX balances. XXXX XXXX was the credit card processor and they confirmed the account was closed with XXXX balance. About a year later, I noticed Southwest Recovery Services out of XXXX Texas had an approximately {$300.00} debt owed and late payments on my personal credit report for the entire year. I contacted them and XXXX XXXX and neither could provide proof of debt. My dispute through XXXX yielded the same result - no evidence of debt. After months of trying to get proof of business debt for a closed business, and repeated calls ( many were never responded to ), I still have been able to get proof of debt. Today, I finally reached someone at XXXX XXXX XXXX ( credit card processor ). The first person there said the account wasnt closed properly on their end and they were charging over {$50.00} per month fee even though the account was not being used and they confirmed XXXX transactions for 2 years. They then transferred me within their company and they said they shoed the account as closed and turned over to Southwest Recovery Services collection agency and had no proof of the {$300.00} debt or any additional debt. Therefore, XXXX XXXX is clueless within their own organization on the closure of the account for my closed business and they cant prove the debt because they sold it to Southwest Recovery. Southwest Recovery cant prove the {$300.00} or any debt because they rely on backup evidence from XXXX XXXX which they dont proof of either. Somewhere in the middle is a mysterious company called XXXX XXXX XXXX that also shows up. Since this account was closed with XXXX XXXX XXXX XXXX XXXX balance and none of these companies have proof of the debt ( as well as this was tied to a closd XXXX XXXX from over 2 years ago ), this should be removed from my credit report, all late payments and debts should be immediately removed from all my personal credit report, and they should mail confirmation of these actions and no debt owed. Thank you for helping stop this fraudulent extortion being performed by these unscrupulous companies. How many more victims out there? Seems like a shell game that warrants a class action lawsuit ...
12/26/2019	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PR XXXXX	Web
Complaint against XXXX XXXX XXXX, SOUTH WEST RECOVERY SERVICE, XXXX XXXX, XXXX XXXX. XX/XX/XXXX - I submitted an application ( XXXX participating professional application ) to XXXX to establish a consumer credit program for, and to obtain merchant processing privileges. This program allows consumers to pay for dental services with XXXX XXXX. ( appendix a ) Application approved by XXXX XXXX ( XXXX ) Terms and conditions : XXXX ( appendix b ) XX/XX/XXXX XXXX Welcome Letter ( appendix c ) : Thank you for adding the XXXX healthcare credit card ( offered by XXXX XXXX ) as another payment option to help more patients access care without delay. A terminal for processing XXXX was received. Part Number XXXX. Description XXXX XXXX, XXXX XXXX, XXXX. Serial Number XXXX. This terminal was used to process XXXX XXXX transactions until XX/XX/XXXX. XXXX XXXX XXXX letter informing of transition of XXXX to XXXX XXXX XXXX of commercial credit card transactions ( eg Visa, MC, XXXX etc ). This agreement was not to affect my XXXX Private Label Credit Card program. ( appendix d ) XXXX XXXX XXXX NEVER contacted me. The letter said " NO ACTION NEEDED ON YOUR SIDE '' PROBLEM :XX/XX/XXXX email from XXXX. ( appendix e ) Informs me of outstanding debt of {$890.00} from XXXX XXXX XXXX for equipment NEVER received XXXX XXXX XXXX XXXX This account is considered to be past due and will be reported against your personal credit on XX/XX/XXXX. My Comments : As soon as I received XXXX letter of XX/XX/XXXX I contacted XXXX by phone asking them how to return their terminal ( XXXX XXXX, XXXX XXXX, XXXX ). They informed me that their terminal was not to be returned. I only needed to return XXXX XXXX XXXX terminal if I did not wanted to accept Credit Cards ( Visa, MC, XXXX, etc ). IMPROTANT FACT : I told XXXX representative that I had not received the terminal from XXXX XXXX XXXX. IMPORTANT FACT : I have never process CreditCards ( Visa, MC, XXXX, etc ) with XXXX XXXX XXXX. IMPORTANT FACT : XXXX XXXX Representative told me that it must have been an error as XXXX XXXX WOULD NOT provide the credit card service to merchants in XXXX XXXX. Representative told me I could disregard letter. Conclusion- XXXX XXXX does not do business in Puerto Rico . Terminal was never received. Please provide proof of delivery.
10/03/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77055	Web
On XXXX of this year we were contacted by XXXX XXXX XXXX ( XXXX ), a collection agency, hired by XXXX XXXX in XXXX, TX. We inmediately responded to the debt collection agency but they did not reply or acknoledged our communications. Instead a few months later we received notices from different bank institutions that our credit score has been penalized because XXXX filed this report. We were flabagastered that they can do anything like that and we felt defenseless. Our credit report has been impleacable for decades and the action of a rogue, umprofessional agency feel they can go ahead and damaged our financial credibility is just wrong. We are seeking an inmediate withdraw of that report and we hope that CFPB would help us defend ourselves in this matter. We used XXXX Pools for a few months, back in 2022 but overall we had to switch to a more efficient company because of the poor quality of their service and under trained workers they had. At one point our robot needed a new valve and after reminding them 3 or 4 times they installed it... backwards!! The pool would frequently look unkept and the fountain area greenish. We owned the house for over 7 years at that time and never had greenish water on that area. On XX/XX/2022 they recommended us to clean the pool filters and we agreed to that charge although they quoate us higher than ever for that service ) the following day the pool system stopped working. We called and they fixed it but wanted to charge us an additional {$180.00} which we disputed. We were very unhappy with their handling of the issue and decided not to work with them anymore. We left repeated messages about cancelling the invoice but they kept sending it without any explanation. We did not agree not to sign any invoices, proposals, or contracts for these services for the month of XX/XX/2022 and we told them that we have no intention to pay for them, first to the XXXX XXXX company and then to the Debt Collection company. We dutily paid for every other invoice they sent us in the past, like we had done always with the previous company we had used. This is inmoral and probably illegal and we are seeking for some guidence to make sure they dont do this in the future to us or other people.
03/16/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This collection agency is furnishing an alleged debt that is on my consumer report XXXX and XXXX The collection SOUTHWEST RECOVERY SERVICES has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter on XX/XX/2022 and have not recieved any proof of the from them that there is an agreement in place pursuant to 15 usc 1692f ( 1 ) of the FDCPA that they can collect from me or that they even own the debt. This is a violation of my right to privacy. I have never given them prior consent to contact me which is a violation of 15 usc 1692c This account is blatantly illegal under federal law. I am under no duty to pay a debt collector the purported sum until it is proven differently. However, they have committed identity theft because I never gave them permission to share any of my personal information with you. I have never received any documentation that I have a business relationship with SOUTHWEST RECOVERY SERVCES or that I owe any obligations to them. Identity theft is demonstrated by their failure to prove this. The reason for this is that if they indicate supposed Statements from an original creditor, this is a type of identity theft perpetrated not just by the collection agency, but also by you by reporting this without physical proof. The company has violated the following laws 15 usc 1692c ( a ) ( 1 ) calling the consumer at an unusual time or place 5 times ( {$5000.00} ) 15 usc 1692c ( a ) ( 3 ) calling at the consumers work place when it is prohibited to recieve such communication. 2 times {$2000.00} 15 usc 1692d ( 5 ) Causing the telephone to ring repeatedly with intent to annoy, Abuse or harass any person at the called number {$3000.00} I know that the company is in violation of federal law. So if this company will not remove this debt that is clearly not mine from my consumer report i will be seeking monetary Relief of {$10000.00} for violations of the FDCPA.
05/21/2022	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	OH 44121	Web
I have come to the conclusion that Southwest Recovery is not a legit company. I called and spoke to a lady named XXXX back in XXXX. I explained to her that the amount they are reporting to the credit bureaus are incorrect. The email they sent me of what the property management sent them that I owed I already had. We went over the statement, and I told her what I owed. She said she would call the property management and get back with me. She never did so I called back and talked to the owne, r XXXX who is very unprofessional. At first, he tried to tell me he didn't have an account with XXXX XXXX. He tried to argue me down. I told him I talked to a lady named XXXX and to look at the notes in the system. He checked and seen that I indeed talked to her. I asked what was the status of her talking to the property management? Of course, he was clueless. I told him how I'm willing to pay what I owe but the amount is wrong. He flat out told me there was nothing he could do, and I would have to pay the whole amount. I said no. I also asked if we came to an agreement can I get something in writing saying they would delete the account from my credit report, he claimed they don't send letters out like that, but when I called back and talked to another guy he claimed once the debt was paid he would send a letter out saying the debt was paid. XX/XX/2022, I get a settlement email out the blue saying they would take 25 % off the debt. The original amount is {$3600.00}. They know I'm desperate because I am trying to rent a house. I was willing to take the settlement so they could remove the debt off my credit reports but then when I called they said the offer was only good for that day and I have to pay it in full. How they don't want to listen to me and hear what I do owe but want to settle for an amount that they pulled out the air knowing they bought my debt for pennies on the dollar? I'm not about to pay for debt I know for a fact I don't owe. I'm going to keep disputing this to all credit bureaus until this issue is rectified.
07/22/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	AZ 85286	Web
I had a XXXX done in 2012 in XXXX XXXX, NV. I had XXXX XXXX XXXX ins. I paid my {$100.00} deductible the night of the study. Time lapsed. I started getting calls from Southwest Recovery Services ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ) about the XXXX center bill. After many calls to my ins co, SW Recovery and the XXXX company 's supplier, I found out : XXXX center went out of business, but before closing they sold the accounts receivable accounts to SW Recovery. In addition, XXXX Co never turned in a claim for my XXXX to my ins co. It is the responsibility of the XXXX to bill my insurance co or to at least let me know they did not bill so I could handle the paperwork. They did not. By the time I found out the allotted time to file a claim had expired. I did not know that the XXXX co did not bill the ins co until I started receiving calls from SW Recovery. I have all the records of SW Recovery phone calls. The original collection bill from SW Recovery was in the amount of {$3600.00} but SW Recovery reported a total of {$7900.00} to the credit bureau. SW Recovery also listed each charge as a line item. There are a total of XXXX negative individual listing entered on my credit report. I sent certified return receipt letters to all XXXX credit bureaus explaining that the medical bill for the XXXX was the XXXX company 's responsibility. Some of the bureaus removed a few entries but not all of them. I can forward you a spreadsheet of the phone records of the calls SW Recovery made to me. All but the first few calls were after I had told them I was not responsible for the XXXX bills and not to call me. The calls continued. Over two hundred calls. I had requested from SW Recovery a detailed list of what I owed. They could not provide any detail at all. They said they had no record of the billing, yet they gave XXXX individual items to the credit bureaus which totaled {$4200.00} more than I owed. Please help me get the SW Recovery derogatory items removed from my credit reports. Your help is appreciated.
01/16/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75010	Web
Toward the end of XX/XX/2022 I noticed my perfect XXXX credit score of XXXX went down by almost XXXX points to XXXX i have worked hard to build my credit and never missed any type of payments in my whole life!. When i conducted my research i found a collection account that i never heard of from ( Southwest Recovery Services ) for {$660.00} MedicaXXXX bill dated back to XXXX. it did not make sense to me as i have always paid my medical bills from my HSA account when i actually get sent a bill but this appearing all of the sudden and after more than 4 years as a collection account that ruined my credit i am pretty upset and it's not fair to me. after doing my research i found that in the state of Texas under Title 6 of the CIVIL PRACTICE AND REMEDIES CODE chapter 146 sections 002 ( TIMELY BILLING REQUIRED ) and 003 ( CERTAIN CLAIMS BARRED ) make this uncollectable in addition state of Texas statue of limitation on medical debt is 4 years which surpass the date of the bill as well as if i am right third party collection agencies are barred from putting a negative entry from a medical debt! but what is making me upset is the fact that every year i have {$2700.00} in my HSA account which i could have used to pay this {$660.00} if i knew about it in a timely manner before the expiration of my HSA funds which is in the month of XXXX of the following year. I need help and i need this collection agency to answer be be punished for damaging my perfect credit and this to be removed immediately from all of my 3 credit reports ( as of now i see it only on my experian ) which i contacted but they did not do anything even when i disputed the debit. i am at the mercy of CFPB to help me and put an end for these companies and their lawyers from using the law unlawfully of taken advantage of people who are unaware of the law which in this case Southwest Recovery should have known the law and not only not put a negative entry on my credit report but this should have been purged by just knowing Texas and Federal law
11/24/2023	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	IN 46074	Web
The collector by the name of XXXX XXXX called me on XX/XX/XXXX at XXXX XXXX letting me know that my balance with XXXX XXXX has been sent to them for {$2100.00} she did not disclose any mini XXXX XXXX I asked her why I never received notification by mail from Southwest Recovery Services and she told me that they do not send out notices. She offered to email me the letter and I told her no but since I was driving I told her will call her back once I came to a safe place to stop. I did call her back on XX/XX/XXXX at XXXX XXXX and advised her I will set up a payment plan for {$50.00} a month using my bank account and when I get more money I will pay more she refused to set up the payment plan and she demanded over {$100.00} a month I told her I have a XXXX XXXX XXXX XXXX that Im also taking care off. She refused and said XXXX will get me fired and my XXXX will be revoked and she was very rude at the end of the call and she hung up I did try to reach out to her manager the information she gave me was XXXX XXXX XXXX. Called the number left a message requesting a call back on XX/XX/XXXX at XXXX XXXX. When she send me the mail the sender emailed was XXXX and name was XXXX XXXX. Today she called me same way no mini XXXX I adv her still waiting for her manager to return my call since she refused to accept to set up a payment plan of {$50.00} a month she got upset and said I will lose my XXXX license she was verbally abusive the first time I spoke to her and today when she called around XXXX XXXX XX/XX/XXXX after she hung up I call her manager and left a detailed message with my case number a few minutes later she emailed me to say I refused to pay and will document the account as a refusal to pay and she demanded full payment via email by XX/XX/XXXX. Im so stressed about this cause Im not refusing to pay all I want is to set up a payment plan to pay this debt off just I do with my other bills but they making it so difficult to a point where Im getting a mental breakdown.
04/24/2023	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 Their investigation did not fix an error on your report	TN 38301	Web	Servicemember
o whom it may concern I have sent a letter to XXXX, XXXX and XXXX regarding this collection agency Southwestern Recovery services who has placed an amount of XXXX on my credit report. I have emailed this company that I did not signed a lease at XXXX XXXX XXXX which, I have provided a copy of. As you can see on the signature page of page 9 of the document I have sent, both the signature is the same show to be not my hand writing, which I have provided a copy of my signature on my id. On XX/XX/2015 I was at work Im not sure if the owner who is XXXX signed or XXXX XXXX XXXX signed the papers with my signature. Also, as you can see on the lease XXXX XXXX provided to me. XXXX XXXX does not own the property it is XXXXXXXX XXXX XXXX XXXXXXXX so. I not quite sure where they come in saying he even owes a balance to them. There no contract on file between XXXX XXXX XXXX XXXX, or Me XXXX XXXX. I need them to produce a contract with my signature to say this balance is even mine which I have ask them to do and they have not done. It hard trying to keep my credit straight. I dont need amounts that I dont owe, and I am not responsible for to be added and bring my credit score down. I want this matter investigated and Southwestern delete off my report they did not even put it on XXXX XXXX XXXX report just mine to XXXX me off. He even told them to send him a copy of the breakdown or what is owed for and the contract he signed with classic property of how he owes the XXXX and he will send a payment, from what my brother told me they never sent anything to him. Also, Im trying to get my work schedule with XXXXXXXX XXXX XXXX XXXX to show I was at work you do have my permission to call the hr dept of XXXX XXXX as part of you investigation there number is XXXX corporate office. Like I stated I want this collection agency delete off. Thank you XXXX XXXX This caused me to file a bankruptcy and balance is not owed
12/09/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 14120	Web
The business I worked for, XXXX XXXX, closed in early XXXX. No outstanding debts were due by the company when all affiliated accounts were closed with the third parties. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX, was officially contacted to close the business account. The salesman said he did close the account and that there was XXXX balance back in XX/XX/XXXX. However, after two years of the XXXX business closing, XXXX XXXX XXXX sent an approximately {$300.00} bill against my personal credit reports through Southwest Recovery Services ( collection agency ), even though the account was closed with XXXX balance and it was a business contract signed by an XXXX officer back in XXXX. Therefore, there should be no personal liability for a closed business account that all affiliated companies know was closed and was an unused credit card processing account. These companies never return voicemails and rarely answer the phone after hours of calling. When I did reach each company, they pointed to the other companies to provide information and they acknowledge the old account was unused ( and not closed properly by their own company, possibly by a salesman that didn't want to lose another account ). They refuse to close the account the right way because of the open collection attempt against me personally for monthly fees for over two years for an account that was properly closed on the side of my former business. They hide behind each of their partner companies and continue to add monthly fees for an unused account that they refuse to close the right way while the {$300.00} collections attempt is outstanding. However, even if I paid personally for a closed XXXX, they could just send another collections attempt for the additional monthly services fees for the unused account perpetually since they refuse to close the account the proper way in their systems.
07/18/2020	Yes	Debt collection Medical debt	False statements or representation Indicated you were committing crime by not paying debt	MD 21234	Web	Servicemember
I am a XXXX XXXX Veteran suffering from XXXX other XXXX related to XXXX I take XXXX medications and several other medications related to my XXXX XXXX XXXX. XXXX thoughts are a daily stuggle and my family is more than understanding in regard to the issues I suffer from. As a family we are really experiencing financial hardship. My wife and my best friend sought XXXX XXXXl XXXX for me. My best friend and my wife contacted the " XXXX XXXX '' without my knowledge. I was unaware of the consequences for the help and I found out later my best friend paid the {$380.00} fee to put in in contact with a XXXX that specializes in XXXX and I was diagnoised with XXXX and several other ailments stimming from XXXX. Words could not express how benneficial the evaluation made me come to grips with what I have been experiencing for decades. My wife who is not an American citizen signed me up with " XXXX XXXX '' in distress seeking medical help without my knowledge for a suffering husband. My wife is not well versed in the English language and did not fully comprehend the consequencies of the medical guidance " XXXX XXXX '' provide. I was informed this organization required payment from my VA bennefits for the amount of {$6700.00} and I was flabbergasted! The " XXXX XXXX '' are not a government approved organization which my wife was led to believe it was. This organization is taking complete advantage of XXXX Veteran 's desperation and it should be criminal to charge XXXX Veterans such a astronomical inappropriate amount of help for very little services provided. I put in a dispute with XXXX explaing I had not signed anything with this agency for their services but my wife checked a box on their site and this action obigated me to a {$6700.00} commitment without my consent.I am desparate to have this entry eliminated of my credits reports. Please help me!
01/17/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76063	Web
I was contacted by XXXX in XX/XX/XXXX about my social security being apart of the XXXX breach. I was told by XXXX to order a copy of my credit report and review it and the all collections and accounts are correct. In XX/XX/XXXX I contacted XXXX about a collection from Southwest Recovery Systems account number XXXX in the amount of {$5500.00}. I made numerous attempts in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to southwest recovery systems to see if they could send me proof that this was my collection and account. I was unable during those months to get in contact with the company as the line would disconnect every time after the third ring. I contacted XXXX who then requested a police report. I made a police report with the city of XXXX in month of XX/XX/XXXX. I was able to get in contact with Southwest recovery to send me verification of this account with XXXX XXXX XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX who works at Southwest Recovery Systems. She sent me over a pdf of my account detail bill with resource property management. I do recall going to court with this company back in XX/XX/XXXX. I had a judgement in the amount of {$2600.00}. This amount included rent for XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} and legal fees of {$150.00}. There are also two late fees in the amount of {$230.00} & XXXX for XX/XX/XXXX & XX/XX/XXXX but I was no longer living at the address as I was ordered by a judge to vacate in XX/XX/XXXX. I moved into my apartment at XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX XXXX sent a detailed bill for {$5100.00} But southwest recovery systems has placed a collection for {$5500.00}. Both amounts are incorrect. The {$5500.00} has not been corrected by XXXX XXXX XXXX. The correct amount to be reported is {$3100.00}. As of today this amount has not been corrected.
06/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
on XX/XX/XXXX I signed a lease with XXXXXXXX XXXX XXXX for 52 weeks set to end XX/XX/XXXX at the amount {$210.00} a week. I paid a deposit of {$210.00}. On XX/XX/XXXX I advised the owner that I would be terminating the lease on XX/XX/XXXX. The owner advised me that I would have to pay until he finds someone to lease the space. On XX/XX/XXXX the owner took a unauthorized payment of {$210.00} out of my bank account. I advised him to reverse the payment as he had a new tenant and my obligation had been met. He refused so I had the payment reversed by my bank. Her advised me that he signed a new tenant to the space on XX/XX/XXXX so I owed him one week still. Because I paid a deposit in the amount of {$210.00} that amount would be eligible to cover the stated week per my lease. The owner threaten me that if I had the payment of {$210.00} reversed he would come after me for {$4000.00}, even though he already had someone in the space. The owner then sent my account for collections without even sending me anything stating what debt was owed and why. I advised the debt collection agency and they disregarded my emails and phone calls showing proof that I did not owe the debt and placed the account on my credit report for the amount {$2700.00}. He submitted false payment records to the credit collection agency and intentionally misrepresented my payment history. My last payment was XX/XX/XXXX ( which was reversed ). However he reported that my last payment was XX/XX/XXXX because the new tenant that signed the lease with him left the space in a few weeks he is now trying to come after me for the remaining balance of the lease that was broken by the new tenant. I have payment history from my bank and email communications with the owner and the credit collection agency for proof of all of this.
09/25/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MA 01841	Web
I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e 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 : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 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. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
09/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 321XX	Web
I use to own a restaurant in XXXX ( XXXX XXXX ) I used to use XXXX credit card reader from XXXX XXXX XXXX, I use this company for only XXXX month and after I separate from this company due to dispute and other XXXX. After the separation they asked me to return XXXX of the credit card reader in which I comply and kept the other XXXX in my garage ( collection dust ) because they say to me they don't need it I still have the tracking number. After a wile ( 1 years ) i find out out of the blue that the company put me in collection for something that I don't even know sop I start to call several time for several months ( like XXXX to XXXX ) and ask when I was in collection, they can't explain why and few time they told me that it will be resolved asap I wait an-other r month and nothin happen I call again and after hours of conversation they told ma again it will be resolved in few days, month pasty and nothing yet, I called again and again with people that can't even understand what going on until XXXX XXXX from the company tell me exactly what happen, the reason was that I need to return the other XXXX device which I did it again I XXXX the receive for this item and I called to let them know that the devise was sent. few weeks passed and I'm still in collection, I ask the collection personal and I asked them why they do not remove me even after I send those item, they replay and say Because .... I DIDN'T SEND THEM AFTER 10 DAYS!!!! with my surprise I told them that I spoke with the company and they suppose to take care the problem but they didn't. At this point I don't know what to do anymore because I comply with everything they ask me, but I still in collection, and I believe those 10 days the where written in a fine print that I can't even read. thank you
11/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 755XX	Web
I have put Southwest Recovery services on notice to stop sharing my private information on my consumer report as I explained before you have no authority to furnish this collection nor do I have contractual obligation with your company, its partners, and affiliates. This is your final attempt to remove this collection from my consumer report as you are infringing on my right to privacy once again as I stated in my first notice. As you are aware you are not privy nor is it lawful to ruin my credit, reputation and cause me emotional distress for obligating me to pay an alleged debt when UCC9-109 ( d ) ( 5 ) clearly stated no creditor can transfer An assignment of accounts, XXXX XXXX, payment intangibles, or promissory notes which is for the purpose of collection only .Therefore I demand your company, its partners, and affiliates to ( Insert your demands ) for infringing my right of privacy within XXXX business and I prohibit your company from transferring this account to another debt collector. I am giving your company 10 days to update my request, cease furnishing my private information & cease & desist all communication unless it pertains to resolving this matter, updating my request, or sending check to my above address. If your company does not adhere to this notice, I will be forced to bring legal suit for infringing on my unalienable rights and I demand that your company does not have an attorney contact me as that will be a violation of 15 U.S.C 1692e ( 3 ) which states The false representation or implication that any individual is an attorney or that any communication is from an attorney. And an attorney is not licensed to practice law pursuant to the supreme courts XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( 1957 ).
03/29/2020	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75006	Web
Southwest Collections is attempting to collect a debt that is not valid, the contract was violated by the vendor for services that were not rendered in full outlined in the contract. I discussed this with my Attorney and credit card company and showed them proof of what exact services were and were not rendered. I was advised to dispute the amount of what was not completed with the vendor and with no luck ended up disputing a portion of the entire amount paid with my cc company and won. This is when Southwest Collections decided to get involved and since then, they have violated numerous provisions of both the Fair Debt Collection Practices Act and the Texas Debt Collection Act in which my attorney has already notified them of. On XX/XX/2019 XXXX XXXX sent myself and my fiance ( who has nothing to do with this debt ) an email threatening that XXXXXXXX XXXXXXXX not fulfilling their contract and myself being awarded back fees paid for a service not rendered " could be construed as theft of services '' and said the client can look at other avenues which can " be done in a civil or criminal proceeding ''. On XX/XX/2019 I was emailed by XXXX XXXX then threatening further pursit against my D-U-N-S Number : XXXX, he then proceeded to send me copies of the not-signed agreements with XXXX XXXX which also show Southwest recovery everything XXXX XXXX was supposed to provide as a marketing service, in which they only rendered 1/3rd of the services. This was also a business contract with no personal guarantee stated anywhere within the contract, and yet this is on my personal credit report. I am attaching copies of the contracts and email communications with southwest recovery and my attorney as documentation.
12/26/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30274	Web
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 an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. 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 account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, 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 this item removed. I demand the following account be properly verified or removed immediately.
04/13/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NC 27330	Web
I cancelled my service and they kept billing me and would not stop. After I had a zero balance. They continued to send false invoices. The last invoice I got was for {$150.00}. Now they are falsifying documents saying I owed {$1100.00}. XXXX XXXX XXXX falsified the amount owed and Southwest Recovery ( collection agency ) would not provide me proof of any contract signed by me to this bogus debt. PLEASE HELP. This is a copy of the email from XXXX XXXX XXXX when they continued to charge me inaccurately. Please contact the Collections department regarding your past due invoice. Inbox Collections Department XXXX XXXX XXXX XXXX XXXX via XXXX XXXX, XXXX, XXXX, XXXX XXXX to me View this email in your browser XXXX : XXXX XXXX delivered C # # # # # # # # # # d, This is a friendly reminder that your account with XXXX XXXX XXXX, is past due. XXXX XXXX XXXX provides credit card processing for your business through your relationship with XXXX XXXX XXXX, XXXX. According to our records, your invoice balance of {$150.00} remains unpaid. Additional fees and costs may be due, based on your merchant account activity Please contact the Collections Department at ( XXXX ) XXXX if you believe there is an error in the amount due or if you would like to discuss payment arrangements. Collection representatives are available Monday through Friday, from XXXX XXXX to XXXX XXXX ( XXXX ) to assist you with resolving this matter. Payments should be sent to : XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, MI XXXX If your payment has already been mailed, please disregard this notice. Thank You, XXXX XXXX XXXX Collections Department XXXX
11/30/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 07866	Web
I received a letter in the mail dated XX/XX/XXXX that shows a debt collection and then noticed a remark and changes to my credit report via XXXX XXXX on XX/XX/XXXX. The debt collection is from Southwest Recovery Services. I called the company on XX/XX/XXXX at XXXX. A man answered who was very rude and informed me that this is a debt collector for XXXX XXXX and informed me that there is a lot of damage to a property that " I '' rented in Minnesota. The man sent me an email with all of the tenant information and pictures of the property damage. The person used my name XXXX XXXX ( maiden last name ), along with my date of birth and social security number. I then called XXXX XXXX at XXXX and spoke to XXXX XXXX ( director of sales management ). She informed me that this person rented this property from XX/XX/XXXX until XX/XX/XXXX and left willingly without being evicted. The debt is for {$8500.00}. Southwest Recovery Services Account # : XXXX, Client # : XXXX. This now is on my credit report and has brought my overall credit down drastically. I did not rent this property as I live in New Jersey and own a home here with my family. I went to the XXXX XXXX Police Department ( in New Jersey ) on XX/XX/XXXX and filed a police report with all of this information provided. This person is also driving with a Minnesota drivers license with my name on it. I was informed today ( XX/XX/XXXX ) by the same gentleman at Southwest Recovery Services that I would need to go to ftc.gov and obtain an ID Theft Affidavit and sent that to the credit bureau in order for this to be removed from my credit report.
08/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75070	Web	Older American, Servicemember
In XXXX, XXXX, I first received a phone call and then a letter from Southwest Recovery Services, a debt collector, concerning an unpaid amount for XXXX in XXXX at XXXX. During the phone call, I requested an itemized statement of the charges. The caller, XXXX, said that he would email it to me in 2 - 3 days. However, by XXXX, I had not yet received the statement. I called Southwest Recovery Services, and XXXX XXXX, the Collection Manager, told me that an itemized statement had been requested five different times from XXXX but was not received. He also said that he would immediately contact XXXX XXXX XXXX for the statement and would close the account if there was no response by XXXX. A few weeks later, XXXX called to collect the debt and did not know about my conversation with XXXX XXXX. He said that he would check the status and let me know, but he did not followup. On XXXX, I called Southwest Recovery Services, and this time XXXX XXXX transferred me to XXXX XXXX for a copy of the itemized statement. She could not immediately locate it, but assured me that she would call me the following morning with the status. She never called. Yesterday afternoon, XXXX, I called XXXX and left a voicemail to request the statement and to also call me. I have not received a call from her. I have credit card receipts for the required {$25.00} co-pay for each of my XXXX. I also have insurance XXXX for the corresponding XXXX which show that XXXX XXXX XXXX was paid the remaining balance for each session by the insurance company. Additionally, all my XXXX were in XXXX not XXXX.
06/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33162	Web
I am writing to bring to your attention the presence of a fraudulent XXXX credit card account and a XXXX XXXX on my credit report. These unauthorized activities have been falsely associated with my name, and I kindly request their immediate removal from my credit history. Upon reviewing my credit report, I discovered that a XXXX credit card account has been opened under my name without my knowledge or consent. This account does not belong to me, and its presence inaccurately reflects my financial status. Additionally, I have found that a rental property has been rented using my name fraudulently. I have no affiliation with this property and it has been wrongfully associated with my credit profile. I urge you to conduct a thorough investigation into these fraudulent instances and take the necessary steps to remove them from my credit report. The inclusion of these fraudulent items is not only damaging my financial standing but also has the potential to hinder my future financial opportunities. Enclosed with this letter, you will find supporting documentation, including relevant police reports and any additional evidence to assist in your investigation. I am fully committed to cooperating and providing any further information or documentation required. I sincerely appreciate your immediate attention to this matter and request that you keep me informed of the progress and actions taken to address this issue. Thank you for your prompt assistance in rectifying this situation and ensuring the accuracy of my credit report. Sincerely, XXXX XXXX
10/10/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	NJ 08527	Web
I previously filed a complaint regarding this matter. The party described responded and said that they would instruct their employees to cease and desist. They have reneged on that statement. They today called both myself and my wife claiming that they are seeking to deliver legal documents. This debt collector needs to be held accountable with the full force of the law. Please see below the text of my prior complaint. Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
04/10/2020	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	TX 75227	Web	Older American, Servicemember
Southwest Recovery services, XXXX XXXX XXXX XXXX # XXXX, XXXX, Tx XXXX. This is a collection agency acting as agent for XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX, Tx., XXXX. I visited XXXX XXXX early in XXXX ( date uncertain ). Dr. XXXX examined me and stated the growth on my cheek was not malignant, and not harmful. He did recommend that he remove, by freezing, two very small " XXXX XXXX '' XXXX behind my left ear. I approved. After being discharged I asked the receptionist " What are my charges ''? This employee stated {$20.00}, which I paid at that time. Soon after I received a statement from XXXX XXXX for {$140.00} for " XXXX ''! I called XXXX to complain and was told that " freezing XXXX XXXX are considered XXXX ''!!! I Refused to pay this extortion! XXXX continue to mail statements. The " good '' Dr. referred my " Bill '' to Southwest Recovery Services. Upon receipt of the demand letter from S/W, I sent by U.S. mail a " Cease & Desist '' letter. Southwest Recovery ignored the Cease & Desist. My credit report indicates that S/W Recovery lists " First reported XXXX XXXX '', Date Opened-XXXX XXXX, Balance {$140.00} as of XX/XX/XXXX and as a result there is a " derogatory '' entry '' in my credit rating. Southwest Recovery is in violation of the Fair Debt & Collection Practices Act. This law prohibits Collection agencies from entering ANY derogarory information against an individual once they have been served a " Cease & Desist '' notice!! Obviously, S/W Recovery considers that this FDCPA rules do not apply to them!
01/23/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44646	Web
At the beginning of XX/XX/XXXX We placed an order with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.A. for home school products - We paid for this order using our bank account. During this time we had decided to not homeschool our children and return the whole order. XXXX was suppose to provide shipping labels and failed to do so. One of their representative recommended we write return to sender on the boxes and take them to the XXXX store which is what we did. XXXX Refused to return our money so we filed a dispute with the bank. The bank had refunded our money and then within 30 days took the money back out of our account and sent it back to XXXX. Which i have provided proof via posted bank statements. Every time we have called into XXXX we are treated poorly like criminals and then we are reassured this will be taken care of however to this day XXXX still has not refunded our money AND they turned the account into collections via who also threatened to take us to court and also reassured us that this would be removed. SOUTHWEST RECOVERY SER Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number ( XXXX ) XXXX We have disputed this with the collections agency and provided the same proof to them and they are refusing to remove the collections from my account. No one at XXXX will help and no one at the collections agency will help and this appears to be a clear violation of the rules set by FCRA any help would be greatly appreciated as they have been falsely reporting and wrecking my credit for over 3 years.
08/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30038	Web
Compass property management is trying to collect funds that are not due to them. They are saying we owe {$2500.00}. Lease was up on XX/XX/2019. We moved out XX/XX/XXXX. We discussed per leasing consultant XXXX or whomever that we can do the day by day fee bc our other home wasnt ready until the XXXX. That amount was divided by the days in the month and the full amount of rent. He stated we would owe {$290.00}. I can provide the new lease starting on the XXXX. I dont understand where that amount is coming from with the rent only being {$1200.00}. And we paid the last month there ( XXXX ). I am aware that we owe {$290.00}. But we do not owe {$2500.00}. They need to provide the conversation after I told this to the rep who called about us moving. Let her know what the XXXX said. There were no further correspondences because it was established that we owe {$290.00}. When we left I was 7 months pregnant. Bending over bath tubs and mopping floors to get our deposit back that we NEVER received. That money just vanished as well. I dont appreciate them waiting XXXX yrs to try and throw it on my credit nor do I appreciate them hiking up the fee. Thats fraudulent and I noticed in ga, these homes get the benefit of the doubt Vs the tenants. Please investigate more into this because at this point it is fraud. We do not owe the amount they are claiming. And due to waiting so long its hard to provide emails/ pictures from so long ago. But Ill try to recover whatever you need to get this resolved! We NEVER received our deposit either.
12/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	FL 33496	Web
I leased a house rental property lease dated XXXX/XXXX/2016 and I terminated early because I lost my job and had to relocate for a new XXXX. Although not a reason to justify early termination, Under Texas XXXX ( XXXX. XXXX. XXXX XXXX. XXXX ), " if you do n't have a legal justification to break your lease, your landlord must make reasonable efforts to re-rent your unit -- no matter what your reason for leaving -- rather than charge you for the total remaining rent due under the lease. You need pay only the amount of rent the landlord loses because you moved out early. This is because Texas requires landlords to take reasonable steps to keep their losses to a minimum -- or to " mitigate damages '' in legal terms. '' I moved out on XXXX XXXX, 2016 but paid rent for XXXX 2016 ( through XXXX/XXXX/2016 ). I notified the property management firm on XXXX XXXX, 2016 that I vacated the property and to please re-lease it. The property was listed for rent by the property management firm on XXXX XXXX, 2016 and was successfully leased beginning XXXX XXXX, 2016. I should not owe any rent money for breaking the lease since it was rented immediately and there was no loss of income. Since the property management firm re-leased the property immediately, all I would be responsible for is the amount of time the unit was vacant, which was already paid by me when I paid XXXX rent. Now I have a collection agency trying to collect a debt of {$16000.00} which in my calculations is the remainder of the lease.
02/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29588	Web	Servicemember
Sent Email, documentation, and FTC and letter to South West Recovery and Credit Bureaus advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. Southwest Recovery provided a false statement and reinserted an account on my credit file in which was previously removed. The below numbered sentences is what was provided to me by the Credit Reporting Agency. 1. The request to block information was based on a material misrepresentation 2. You have agreed in writing that the information was blocked in error 3.You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. As such frivolous statements were made, clearly this company is in violation of the law according to 1. FCRA Section 623 XXXX XXXX XXXX XXXX UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). 2. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) XXXX. FDCPA Section XXXX ( b ), FTC opinion letter XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX XXXX, XXXX XXXX. XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT from all three credit bureaus ; XXXX, XXXX, and XXXX. If the information is not immediately deleted I will be forced to exercise my rights in a court of law.
09/30/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 95207	Web
I have contacted XXXX XXXX XXXX on multiple occasions advising them that I do not owe them any money. They cancelled my account and requested I return their equipment, which was done in XX/XX/2019. They continued to bill me {$9.00} per month for a software fee for the equipment, in addition to an early termination fee of {$250.00} totaling {$470.00}. They have now referred it to an outside collection agency threatening to damage my personal credit for something I do now owe. I should not have to pay a software fee for equipment that I have not used, nor an early termination fee when they ( XXXX ) closed my account, advising that my business was 'high-risk '. They not only put a hold on my one and only transaction, they refunded the amount of {$800.00} back to my client, in which I was never paid. My agent has reached out to them multiple times and they still insist that I owe them {$470.00} - The collection agency, Southwest Recovery - XXXX XXXX XXXX # XXXX XXXX TX XXXX - only transfers me to voicemail and no one ever returns my calls. I am already out of the lost revenue of {$800.00}, now they want {$470.00} which will bring my total loss to {$1200.00}. This should not affect my credit and is unfair as the Agent waived the early termination fee. I have uploaded a document showing XXXX advised that I do not have an early termination fee and I would be credited an amount of {$220.00}. Please resolve this miscarriage of justice, Thank you- XXXX XXXX
02/04/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76262	Web
I signed a year lease with my girlfriend in XX/XX/XXXX to XX/XX/XXXX. Once we reached the end of the lease, I decided to move. She decided to stay in the home and signed a renewal directly with the property company. I never signed the document as I moved out ; however, the property management company allowed her to live there and sign just her name. She later broke the lease and XXXX XXXX now known as XXXX XXXX XXXX sent it to a collections agency and placed a negative mark on my credit requesting {$4500.00}. I've disputed this with XXXX in XX/XX/XXXX, the collections agency ( Southwest Recovery ) in XX/XX/XXXX, and now recently directly with the property management company XX/XX/XXXX and XX/XX/XXXX. This was clearly a bad business practice that their account manager, XXXX XXXX admits. She said the policy was changed as a result of many of these types of mishaps and they now require both signatures. According to Sec 94.053 both tenant and landlord must sign the lease and in Sec 94.055 it states if you they don't receive any communication from the tenant, then the renewal could be modified if the tenant remains on the property. Their renewal even states that the renewal must be signed by the tenant. If I was the tenant, then why was I not required to sign it? The Texas Property code doesnt say the property management has the right to renew a lease without the signature of the tenant but it does allow you to modify the renewal ( change rent, etc. )
01/22/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94114	Web
Southwest Recovery Services , Inc. placed an unknown collection account on my credit reports in the XXXX half of XXXX ( first appeared on or around XXXX, XXXX, or XXXX of XXXX ). I do not know what this collection is for and Southwest Recovery Services never contacted me about the debt. The debt is listed with an original creditor, XXXX XXXX XXXX, that I do not know of nor have I done business with ever before. The original creditor did not contact me either. The collection debt was disputed with the 3 credit bureaus to validate the debt. The first dispute occurred in early XXXX. XXXX and XXXX each removed the collection immediately. XXXX did not remove the data, and it still appears as a collection on my XXXX Credit Report. The collection was subsequently disputed again with XXXX, and I do not believe they investigated it. This collection is listed with an account number ending in XXXX with an amount due of {$130.00}. This debt/collection is not mine and I was never contacted by the debt collector with any information. It simply appeared on my credit report. Even though the amount is trivial, I want this inaccurate information removed from my credit report. This complaint is the first of two complaints about Southwest Recovery Services , Inc. for two accounts showing as " Collections '' on my XXXX credit report. Please note that my complaints are identical in nature. XXXX and XXXX removed both accounts when disputed with those bureaus.
04/17/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 33311	Web
I recently send this debt on my credit report from this company, stating I owe {$710.00}. I did contact them in regards to this issue spoke with a gentlemen and I advised him that I did not take out a payday loan inXX/XX/2013. Advised rep if a payday loan was taken out inXX/XX/2013 then why 5 years later I am being notified of this issue on my credit report. The representative became very rude and told me I owe this money and need to pay. I ask him how can they verify it was my loan, rep then stated it was verify by e-mail and a bank account that was closed due to fraud. I did ask them to send me something in writing that's valid I took this loan out, the representative refuse and told me to dispute it with XXXX and XXXX. Advised him I will then he stated even if I do he will verify it was me so I have to pay something that doesn't belong to me. This company is a third party collections agency trying to collect money that isn't owe. He stated he was taken out online which anyone can do. They are very rude and disrespectful representative. I am a single mom who doesn't deserve this. There is no factual proof that I took out this loan and they couldn't provide any. The representative also advised they will take me to jail if I didn't pay. This is against Fair regulation Act. I never took out a loan and there is no solid proof, the bank account they're referring to was close for fraud which I told the representative that.
06/13/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77083	Web
I was harassed by XXXX XXXX XXXX to process payments for my website. I finally sucumbed and signed up, but when I read bad reviews of this company online, I called and asked them to cancel my services. I decided to stick with the company that was processing my payments at the time. I never used them. The next document I saw was a bill of {$350.00} for compliance that I never took. They sent my account to collections for the amount of {$350.00}. I never paid for this because I never used their services. Then, I saw a bill of {$1100.00} from Southwest Recovery Services. I was shocked at the amount. I finally decided to check my emails and discovered that Southwest Recovery Services inflated the amount I owed, which was originally {$350.00} to {$1100.00}. I filed a dispute with XXXX and XXXX and without investigation ( within one day ), they determined the amount reported was accurate. I submitted overwhelming evidences, showing the original debt from the original creditor and the fraudulently inflated amount I supposedly owed from SRS. As you can see, SRS says in that email that there are no interests charged on this. The payment portal for the original creditor is still opened for me to make payment in the amount of {$350.00}, but SRS would not stop harassing me. I found reviews online of people complaining of the same thing from this company. This company is FRAUDULENT.
08/24/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77351	Web
I received an email that a dispute I filed yesterday with XXXX was completed. When trying to log in using the correct credentials and confirmation number provided, I am prompted with a notification that it does not recognize my information. I initiated a live chat on XXXX website and the agents response was to call Consumer Service Department. I informed her I was XXXX and asked for an email for correspondence as I have no assistive devices. She instructed me to have a relative come to my home and translate the call. This is not an option for me. She then gave an email address that is invalid. I attempted to live chat with several more agents on XXXX website, all of which chats I have saved. Several told me there were no existing emails for customer support and two agents gave me different email address with which to correspond through. I believe both are invalid and fear I may have inadvertantly sent information to an unsecure email address. I simply wished to know why two of the three derogatory remarks are duplicated with the same amount. I have never received a bill from them and would like to know their account numbers so that I can verify that they are valid and know what account to pay. Even the collection agency listed on my report does not have an existing account number for which they are trying to collect. Any help would be greatly appreciated. Thank you.
11/17/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75035	Web
A representative from Southwest Recovery Services ( XXXX ) attempted to contact my spouse repeatedly over an alleged contractual debt for martial arts classes from XXXX XXXX XXXX ( XXXX, Texas ). I called SRS to inquire and was told my Spouse owed {$840.00} for cancelling her agreement with XXXX. I asked them to mail me a copy of any contracts or agreements signed by my spouse and they refused, they then said they would email me the agreements in 5 minutes which they failed to do even hours later. Additionally, I said that I was questioning the validity of the debt and the Representative from SRS said that I couldn't do that and owed the debt on behalf of my spouse. I was told that if I didn't pay the debt they would ruin my credit by reporting to the agencies and they had my social security number. They did know the last 4 digits of my social ... I asked how they got my social and they would not tell me, I didn't give it to them and neither did my wife. I asked them repeatedly to tell me where they got my social security number and they got very defensive. I said I would report them to CFPB and they hung up on me. This really concerns me that a XXXX XXXX agency can ascertain a private citizens SSN without consent. I am really worried that if I don't just may them {$840.00} immediately they will report negative information to the agencies. I don't know what to do.
01/08/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 45440	Web
I recently looked into my credit report and found that there was a collection by an agency called Southwest Recovery Services for the amount of {$450.00} for a company called " XXXX XXXX. '' I have never had any contact from or to Southwest Recovery Services, nor have I had any contact from or to XXXX XXXX. Upon further investigation, both companies are located in Texas. I have never lived or even stepped foot into Texas so the idea that I owe money to a power company in Texas is completely unfeasible. Address for the company as on my credit report : SOUTHWEST RECOVERY SERVICES, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. On my credit report, the " account '' was opened on XX/XX/XXXX and it went into collections on XX/XX/XXXX. As of today, XX/XX/XXXX, I have filed disputes with the credit bureaus and reported this to XXXX. I have also researched this online and it seems to be a common scam. There are other reports on XXXX with the exact same modus operandi. Other people have reported amounts in the hundreds of dollars on their credit report from Southwest Recovery Services for " XXXX XXXX ''. Clearly, this is fraudulent activity by the company and the fact that they are able to have this validated on my credit report is disgusting. They are trying to intimidate unknowing people into paying hundreds of dollars for a false item that is dragging their credit down.
06/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92562	Web
I have been repeatedly contacted at my place of business relating to a debt that I do not owe. In fact, not only do I not owe the debt, but the debt has been falsely placed on my credit report and is falsely reporting to XXXX XXXX, XXXX, and XXXX. I have been contacted by Southwest Recovery Services who is falsely reporting and attempting to collect a debt on behalf of a company for which I have NEVER conducted business ; XXXX XXXX XXXX. I have been contacted at my place of business nearly five times. Each time, I have asked that the company who is attempting to collect my FALSE debt, please perform a debt verification. Each time, the company states that they will follow up by sending to my physical address the proof that I'm derogatory in any way with XXXX XXXX XXXX. To date, I am STILL getting contacted on a recorded line ( both their company AND mine ) and each time there has been XXXX follow up by either Southwest Recovery Services OR XXXX XXXX XXXX. This is a clear violation of my rights under the FCRA and the FDCPA. I have been researching my rights under both laws and I am being financially harmed. I am unable to obtain business financing due to the gross negligence in my credit sceario. I'm attaching proof of such violation in the following attachment ; as the most recent call was captured and recorded.
06/26/2019	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Older American, Servicemember
Medical appointment, with a XXXX, date uncertain, ( probably XXXX ) for routine exam. Routine exam, no XXXX growths found. Dr.did remove, by freezing 2 ( two ) very small XXXX growths on my neck. I was released and total charge would be {$20.00} for an office visit. Received a bill in the mail for {$150.00} for surgical charges! I disputed this, contending that the freezing of 2 ( two ) small calcified pin size growths WAS NOT XXXX. I continued to receive monthly statements from this unethical Doctor? On XX/XX/XXXX, I received a demand letter from Southwest Recovery Services for service by XXXX XXXX. I mailed a " Cease & Desist '' letter to Southwest Recovery the next day. I am now receiving " demand letters '', threatening legal action from Southwest Recovery Services. I believe this is in direct violation of the Fair Debt Collection Act. In addition I received an inquiry from the Social Security administration concerning a {$450.00} charge from XXXX XXXX that XXXX had filed on my Social Security account, part 'B '. I DO NOT have part 'B ' coverage, only part A. XXXX XXXX made a copy of my current XXXX card & knew that I did not have part 'B ' coverage. This is a fraudulent charge made by an unscrupulous dishonest, vindictive Doctor. This man should be made to answer for this attempted fraud.
04/15/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
On XX/XX/2013, this debt for { {$2700.00} } appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. 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.
09/21/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV XXXXX	Web
Around XX/XX/2021, I noticed a collection appearing on my XXXX XXXX XXXX Credit Reports from Southwest Recovery Service in the amount of {$3100.00}. I have no knowledge of the collection agency or the original creditor, therefore I disputed with account with both XXXX XXXX Credit Bureau. I received XXXX XXXX XXXX 's results within 30 days and they stated the account was verified. So in XX/XX/2021, I wrote a dispute letter to the collection agency with the address provided by XXXX report disputing the account directly with the collection agency. I received the returned letter back stating the address was undeliverable. Then I checked my XXXX report, because the address for the collection agency was listed differently on the XXXX report and sent a 2nd dispute letter to the address listed on XXXX credit report and again the letter was returned to me as the address being undeliverable. Then in XX/XX/2021, I wrote to XXXX and XXXX credit bureaus requesting removal of the collection account due to the address being inaccurate. I received a response from both credit bureaus again stating the information is verified. I am requesting that this account be removed permanently from my reports. I have attached documents for your review. Thanks in advance
01/09/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web
My name is XXXX XXXX, and I am writing to file a formal complaint against SWRecovery, seeking your intervention in a matter that has caused me significant distress and financial concern. Recently, I discovered an unauthorized debt reported on my credit report by SWRecovery. The claim is related to an account that I have never opened, nor have I had any association with it. The details of the case are outlined below : Unauthorized Charge : SWRecovery has reported a debt on my credit report, asserting an account that I have no knowledge of and have never initiated. To address this issue promptly, I request Southwest Recovery to contact me at XXXX and provide valid proof supporting their claim. This unauthorized charge amounts to fraud, as I have never had any dealings with XXXX XXXX XXXX XXXX the alleged source of the debt. I demand that Southwest Recovery takes immediate action to rectify this situation by removing the unauthorized debt from my credit report. I am willing to cooperate and resolve this matter amicably, but I insist on receiving concrete evidence from Southwest Recovery to substantiate their claim. Please ensure that this issue is addressed urgently to prevent further damage to my credit score and financial well-being.
10/07/2023	No	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	GA 30019	Web
I was contacted on XX/XX/2022 at around XXXX by XXXX XXXX and was asked that I return her call. Upon me returning the call, she informed me that this was an attempt to collect and settle a debt on behalf of my landlord. I was unaware of why the landlord would be seeking payment after the court judgement was issued so she stated that the balance was due to unpaid rent and needed to be settled. I asked her to please provide me with a debt validation on the breakdown of the charges and I will follow up with her upon receiving it. Instead of providing me with the statement to my email, she sent over an email that stated I was refusing the debt and no further questions will be needed. Within two weeks later she had the debt amount of {$11000.00} placed on my credit report without providing me any documentation of the charges. I recently was going through some mail and came across the itemized statement that was mailed to me certified on XX/XX/2022 from the management company. The amount owed stated a balance of {$8600.00} which has now made me question why did the balance magically grow over {$3000.00} and was reported to my credit as such. I believe this collection agency is illegally swindling me by falsifying debt amounts.
03/10/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75034	Web	Servicemember
In XXXX of 2022 I noticed a collection on my credit report. I contacted the agency ( Southwest Recovery Services ) and was told it was for a property rental in XXXX. I did not rent a property in XXXX, so I asked them to remove it from my credit. They told me that someone named XXXX XXXX used my social security number to sign a lease and didn't make their payment in XXXX. They said they would call me back with more information so that I could file a police report. They did not call me back. I tried to call them 3 times after that ( and left messages ) with no response. Finally on the XXXX try in XX/XX/2022, I was able to talk to someone at the agency and they gave me the address of the property ( XXXX XXXX XXXX ). I contacted the property management company XXXX XXXX XXXX XXXX XXXX and explained what was happening. They said that they don't have any record of a XXXX XXXX using my social security number, and they don't lease that property, they lease a couple of properties on XXXX XXXX, but with slightly different house numbers. I sent a letter ( attached ) to SW Recovery Services, but it was returned as undeliverable. I am still unable to get a response from the collection agency and the collection is still on my report.
08/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	OH 45458	Web	Older American
I have been notified that I have a delinquent charge from a company called XXXX XXXX XXXX for {$850.00}. I was notified on XXXX by email from a collection agency, Southwest Recovery Services, whom presumably bought the debt and is trying to collect. On the same date as this notification email, the open debt collection was reported to the XXXX credit bureaus. This has negatively affected my credit standing. I have no record of this charge, or invoice so I immediately tried to make contact with both parties involved to find out what the charge was for. I spoke to someone at Southwest Recovery Services that could not give that information, only the phone number of the original company, XXXX XXXX XXXX. I got a name from the person I was speaking to, only to later try to contact her and find that no such person works there. I contacted XXXX XXXX XXXX and after asking for the information, was hung up on. This is all very suspicious, since I have never done business with XXXX XXXX XXXX. I have no record of the debt and knew nothing about it for the years it was supposedly owed. I was only looking for a confirmation of the charges in an invoice, or some kind of paperwork. I believe that I am owed proof that I woe the debt.
04/08/2022	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	TN 37205	Web	Older American
Closed a account # XXXX with XXXX XXXX XXXX for a credit card machine used in my medical Practice on XX/XX/XXXX. XXXX XXXX returned on XX/XX/XXXX to the company. Invoices had been paid up until that point by automatic bank withdraw from the medical practice business account at XXXX Bank, XXXX XXXX, KY. We were never contacted by XXXX XXXX XXXX XXXX any outstanding balance. In XXXX I was contacted by Southwest Recovery services about an outstanding balance, I sent copies of the XXXX shipping receipt to Southwest Recovery on XX/XX/XXXX. Asked about specifics on how I had accrued a balance and i was sent some invoices issued AFTER I had returned the machine in XX/XX/XXXX which At some point in XXXX I was reported to credit agencies and my credit score has dropped about XXXX points. Contacted XXXX XXXX XXXX and the accounting department would not talk to me. Contacted again Southwest Recovery and spoke with a different person asking for explanations, the only response that I got consist again of copies of invoices ( 2 different format sent by separate emails ) issued by XXXX XXXX XXXX AFTER the account had been closed and AFTER the credit card terminal had been returned with an appropriate XXXX number.
03/20/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29588	Web
This collection agency Southwest Recovery Services put a negative entry on my credit report and violated the law in XXXX XXXX XXXX- Statue of limitation ( XXXX years ) and XXXX attempting to collect a debt that is not mine. I will be filing a legal action against both the original Creditor ( who failed to properly identify the person who used my identity and Southwest Recovery Services for their violation to the XXXX and Lack of understanding to interpretation of the law referenced above and causing me harm by lowering my XXXX credit score by XXXX XXXX I have never missed a bill in my life and in fact before they are due. Southwest Recovery and as a XXXX party has no rights by any means to cause me all this and they will be the main party in my legal action due to the fact I have notified them when they sent me an email in an attempt to collect this debt. I advised them that this debt was not mine to begin with. This debt was in relation to a business in which I had no affiliation with and did not even live in the state in which this debt occurred. I have filed the appropriate reports with authorities and provided such to Southwest Recovery Services. This needs to immediately be removed from my file
04/11/2021	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 Their investigation did not fix an error on your report	TX 78247	Web	Servicemember
Starting XXXX of XXXX, I submitted a dispute concerning incorrect information reporting on my credit report ; XXXX said the account was verified, and it's correct. The same information was provided to me on the account that they deem validated ; I went through all the information and reached out to the collection company that the information is not correct and to remove it from my report per email on XX/XX/XXXX. I went ahead and disputed the incorrect information again, providing XXXX with documents, and they stated again the information was verified. I have documents and statements from my bank showing that this information is incorrect. Also, the collection agency can't provide me with an itemized bill for each of the charges they are reporting. I have requested, and nothing has been given. This account was never delinquent reports says XX/XX/XXXX, Southwest Recovery Services is reporting getting collection account on XX/XX/XXXX. This information false as per the documents attached, my bank statements show that I was still active and payments were made to this account way past the report date also I have attached emails with the company that I was still using their company and I wasn't deliquent.
08/01/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX XXXXX	Web
XXXX XXXX XXXX was hired to provided surveying services in XXXX. All invoices were paid in full. Vendor sent a duplicate invoice in error and noted such error in a phone call sometime in XXXX. Vendor was going to check on the mistake and follow up. This never occurred. XX/XX/XXXX a collections was placed on my credit file from southwest recovery, subsequent calls and e-mails to XXXX XXXX were not returned. A dispute was filed through XXXX and apparently a decision was made within 3 days of the dispute for the collection to remain. This indicates to me that someone in the chain ( XXXX, southwest recovery, or XXXX XXXX ) acted unethically as there is no evidence of this account being valid and no communication with me regarding its existence. It seems unreasonable to assume in a matter of XXXX or XXXX days that all parties were contacted, information was then provided, and a decision was ethically made. Furthermore, I believe Im entitled to see this invoice alongside the invoice which I paid in full to ensure its not a duplicate. If this is fact a bill that was unpaid, a simple acknowledgement of the outstanding invoice and proof of its validity would result in it being paid. Is that not the goal?
05/24/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	UNITED STATES MINOR OUTLYING ISLANDS XXXXX	Web
Southwest Recovery Services as its membership organization XXXX have breached confidentiality. A statement was issued for dismissal and was disclosed to the collector for abusive practices i.e. XXXX XXXX XXXX, formerly the membership director. The personally identifiable information disclosed to non-authorized persons was mishandled by Southwest Recovery Services. I often get stalked by Caucasian women wearing black clothing and hair dyed black pursuing me for reconciliation of the amount requested. I have filed police reports for XXXX assault, serious threats of social and political ostracism, and retaliation from the board of governors of the XXXX XXXXXXXX XXXX XXXX, however, they were dismissed as being sensational. I have been making several reports to the FBI and the Office of the Inspector General ; however, no result has come about, and the stalking and disregard for common law continue -- threats of physical by gang members of assault with the intent to paralyze me and have my cadaver disposed of by drawing it, I've even had Southwest Recovery Services as locals hint at XXXX XXXX XXXX XXXX XXXX XXXX ; which, is the sum of the basis of a claim for asylum filed under the XXXX last Spring.
01/11/2018	Yes	Debt collection Payday loan debt	False statements or representation Attempted to collect wrong amount	LA XXXXX	Web
I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!
06/12/2018	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	SC 295XX	Web
I have made several attempts to dispute inaccurate information on my XXXX Credit report. I have sent several letters asking them to please send copies of documents that they have in their file to verify the accuracy of the accounts, and they have ignored all of my attempts in this matter. I am entitled to know this information, and have requested it several times. The only thing I get back about the account in question is account remains. I have also reached out to Southwest Recovery Service and asked for the same information and have failed to get that information from them, since they have been the ones that have supposedly verified the information. The account in question is Southwest Recovery Service Account # XXXX. I have no knowledge of this account, but because account is attached to an address that's already on my credit report, this is how they so called verified it. XXXX has an address that is not even a valid address in the postal area in which its listed. I went to the post office to inquire about this address the manager advised me it was not even a valid address. they said because it was also attached to an account that is showing on my credit report it has to say.
08/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 784XX	Web	Older American, Servicemember
XXXX XXXX XXXX sent a delinquent account that belongs to someone else to Southwest Recovery Service, a collection company, Southwest then reported the delinquent account to the credit agencies under my name. XXXX rejected the report as the name, address, social security are different than mine. However, XXXX and XXXX did report the negative credit under my name. I contacted Southwest who admitted that the delinquent account belongs to another person but claimed that they reported it correctly and I needed to contact XXXX and XXXX. I made multiple contacts with both agencies. XXXX did fix it, only to accept it again a month later. XXXX said they completed their investigation and determined that it is me who owes the delinquent account, they provided no further details. I then contacted the original creditor, XXXX XXXX XXXX who admitted that the account belongs to XXXX XXXX and not me, however, they want me to get a copy of my XXXX death certificate before they close their account. I have no access to his death certificate as we are not related. In short, the 4 entities named above are destroying the credit that I worked so hard to establish and will do nothing to clear the issue.
01/17/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75089	Web	Servicemember
Southwest Recovery is trying to collect on XXXX debit that is due to identity theft. They claim I opened an account on XX/XX/2020 and have collections for {$5000.00} they have not provided me with anything when I called and told them I am a victim of identity theft. They have shown gross negligence when handling the issue. They have not provided me with anything. The information needs to be more accurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin, or another history. I received nothing via mail, nothing from an attorney, or any other mailed document regarding this item. I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act specifically to information illegally listed without documentation. I have disputed the information on those grounds. I am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.
10/12/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OK 74066	Web
I am applying for a home loan and was informed that there is a collection item on my report. Its is on XXXX. It shows I have a collection item through Southwest Recovery in the amount of XXXX. I have no idea who or what this is. I tried to dispute this through XXXX wed site but was giving a screen that stated that " You have no negative account on file '' and was not allowed to go any further. I called every number I could find for XXXX but was unable to speak to anyone just got info regarding the security preach. I then contacted Southwest Recovery. I spoke with XXXX XXXX and then XXXX XXXX.After spending over an hour on the phone with them.Neither one could find an account with my name, address, phone number or last 4 of my ssn. They did on more than one occasion asked me if I knew a XXXX XXXX. Which I do not. This is the only bad mark on my credit bureau and is stopping me from getting a HUD-184 loan. I do not know what to do next and hope you can help. Name XXXX XXXX XXXX, XXXX Acct # XXXX. SSn. XXXX. Address XXXX XXXX XXXX XXXX. XXXX, OK XXXX The account shows it was reported on XX/XX/XXXX, Opened on XX/XX/XXXX, last active XX/XX/XXXX and reviewed for 6 months.
08/10/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 60015	Web
I received a phone call from a collection agency, SOUTHWEST RECOVERY SERVICES, who claimed that I owed a company called XXXX XXXX XXXX for a credit card machine and early cancellation for alleged credit card processing dating back to 2019. I have used the same credit card processor for at least 5-6 years and it is not XXXX XXXX XXXX. I remember a gentleman who repeatedly came to my office trying to get me to switch processors. I told him to stop coming to my office, but we did not authorize his service. My staff frequently receive calls from credit card processors who attempt to gain information regarding or Credit Card Processing machine. Other than the phone call on my cell phone from SOUTHWEST RECOVERY SERVICES, I have never received notice of the alleged debt via my office phone or my physical mail address ( unchanged for 23 years and both address and office phone are listed everywhere ). He said he'd emailed statements to me at an email address that does not exist in my business. I do not owe this debt and believe it to be fraudulent. XXXX Recovery sent it to all 3 credit bureaus as a credit collection. This has had a detrimental effect on my credit score.
05/24/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30052	Web	Servicemember
In accordance with the Fair Credit Reporting Act : Southwest Recovery Services XXXX have violated my rights! Account # XXXX in the amount of {$3600.00} & also, Account # XXXX in the amount of {$19000.00} 15 USC 1681 Section 602A States that I have a right to privacy! 15 USC 1681 Section 604A Section 2 States that a consumer reporting agency CAN NOT furnish ANY account information or personal information without the express written consent and authorization of the consumer! This company has NO such documentation from me! 15 USC 1692 Section 805A States that a debt collector may not communicate with the consumer in reference to a collection of a place known or should be known to be inconvenient to the consumer! 15 USC 1692 Section 806 Section 5 States that causing a phone to ring or engaging any person in a telephone conversation repeatedly with the intent to annoy, abuse, or harass any person at the called number! This company has violated ALL of these laws and several more for an extended period of time. Please Act within the full power and authority of your office and rectify these abuses and violations once and for all!!! Thank You XXXX XXXX XXXX XXXX.
09/04/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 784XX	Web	Older American, Servicemember
Negative information appeared on my credit reports. I checked into it and found that a collection agency named Southwest Recovery Service reported the negative information. XXXX XXXX XXXX was the original creditor. I have never received any information on this delinquent account and when I called the collection agency, they made the issue even more confusing. I have now been informed that the debt relates to XXXX XXXX XXXX. This is my XXXX and I am responsible for the debts of this entity. However, my complaint is, why was I not informed of such a debt? why was I not given the opportunity to dispute it or pay it before it went to the credit agencies? I have requested a copy of the contract and all collections efforts made by Southwest or XXXX with no success. Under the fair debt collections act, I'm have certain rights and I need to verify this was not a fraud account before I pay it. Why are people so rude at Southwest when I am just trying to clarify an issue that affected my credit? I am requesting all documentation related to the debt in question, including the original contract with my signature where I agree to receive goods or services from XXXX XXXX.
04/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NV 89147	Web
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Southwest Recovery Ser. for committing identity theft. I have never given Southwest Recovery Ser. any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Southwest Recovery Ser. can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Southwest Recovery Ser. continues its collection efforts, I will file for litigation for actual damages caused and Southwest Recovery Ser. will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
09/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	Web
Pursuant to 15 USC 1692 ( a ) Southwest Recovery Services used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Southwest Recovery Services also violated 15 USC 1692j ( A ) because SOUTHWEST RECOVERY SERVICES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Southwest Recovery Services sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Southwest Recovery Services can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
02/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32218	Web
This is a debt that was not only my debit but it was dismissed and nothing was owed when we left. I had just turned XXXX when we moved in working a part time job and still in high school my mother was the parental authority and I was still a child living with her now although I understand because I was XXXX and legal age I still had no knowledge of what was going on I was told by the leasing agent that helped us get the home that I was XXXX now and needed to be on the lease. This is a settled debit from my understanding and I also was that this was gone and I did not have this on my credit when I called in to make sure I was able to move into my new apartment by myself in XXXX and had no issues and all of a sudden this is haunting me today I would like to get some help from you please. The debit is in the amount of XXXX the date this was accrued to be a debit was XX/XX/XXXX. I contacted the debit agency and he was incredibly rude and had no proof of anything to provide me and he stated so what you wan na put this all on your mom I have never been talked to like that and there was never any letters or calls from this agency. Can you please help me?
01/08/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web
I am writing to file a formal complaint against SWRecovery concerning a matter that has left me with no choice but to seek your intervention. My name is XXXX, and I recently discovered an unauthorized debt reported on my credit report by SWRecovery. Here are the key details of the case : Unauthorized Charge : SWRecovery has reported a debt on my credit report, claiming an account that I have never opened or had any association with. Communication Challenges : The contact number provided on their website is unresponsive, and despite leaving numerous voicemails, there has been no response. Additionally, emails sent to XXXX have gone unanswered, making it impossible to resolve the matter through direct communication. Unsuccessful Dispute Attempts : Despite my persistent efforts to dispute this charge since XXXX, all attempts have been met with failure. In light of these challenges, I have no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek your assistance in resolving this dispute. I have attached relevant documentation, including communication records and proof of my attempts to resolve the issue.
07/31/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 77539	Web
XXXX 2014 I received a quote from an XXXX for some commercial work for XXXX. ( Their business name is " XXXX XXXX '' ) They did not complete any work, but sent me a bill for XXXX. They would never provide any documentation of signed work orders or anything to show they did the work they want money for. ( I had hired another XXXX that gave a better quote ) They sold my " bill '' of {$800.00} to Southwest Recovery Services and I have now received massive amounts of threatening phone calls to XXXX line. I have requested something in writing, they tell me I 'm stupid and do n't need it, I told them not to contact me at that number, they said they do n't have to listen to me and can do what they want, they said they will sue me, and then told my employees on the phone that I 'm a deadbeat that they need to quit because I do n't pay bills and wo n't pay their paychecks and I 'm a wanted criminal for this debt. My employees told her also to stop calling the business line and they hang up on them and call back to try and get someone else to answer. The harassment has been going on for months now and I ca n't take it anymore! Please help!!
06/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32713	Web	Servicemember
In XX/XX/XXXX, I signed a XXXX-year lease for a residential property in XXXX, Florida. This property was leased directly from the property owner. Shortly after, the owner turned the management of the property to XXXX XXXX XXXX. I ended the lease after 9 months because I purchased a home. Upon termination, I returned the property back to the management company according to the lease agreement. However, the management company charged me for things not required under the original lease agreement. These charges included professional carpet cleaning and professional house cleaning. I also provided photo evidence of the propertys post-move-out condition and disputed the charges. The management company refused to correct the charges. The total amount in dispute is {$850.00}. This account was eventually turned over to a collection company. The collection company is Southwest Recovery Services. Over the past 2 years, I have contacted the collection agency and disputed the charges with evidence to no avail. My last written correspondence was on XX/XX/XXXX. I have also disputed the charge directly with XXXX. This too was unsuccessful.
07/21/2021	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	TX 76040	Web
this person called XXXX XXXX email me on XX/XX/XXXX, when I email him back I ask to take this debt out from my account because I never have an account with this company and I want to dispute it, so he told me that he can not do that from there wich is a lie because I know the fdcpa rules and I work in a collections area, and he was yelling at me 'how you never had an account with this company if I have your signature and everything and he told me that I need to pay it I ask him for the XXXX XXXX phone # and he told me that I don't need to speak with them because this account is in collections already so I ask for his manager name is XXXX XXXX and he spoke with me with the same attitude and telling me that he doesn't need to help me anymore and this person XXXX was the boss and I don't need to complain with him nothing and he hung up on me ... how a person is going to pay this people even if I had open this account with this poor customer service from a manager and his agents. this people need to be terminated how poor customer service they have if they want someone to pay with that attitude no one is going to pay that way
08/29/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ 08527	Web
Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
06/13/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NM 88011	Web	Servicemember
I looked at my credit report a few months ago and found that there was a debt collection agency on there. I do not carry bad debts, EVER. I immediately called the company to see why there was a delinquency being reported. Back in XX/XX/2013 I helped my daughter get into an apartment because she had no credit. I was basically a co-signer. The company told me that there was a small balance due to the apartment complex and that was what they were collecting on. The total was {$200.00} They looked into the case because we have not received any type of statement or correspondence telling us there was a balance due. They found that the apartment complex was sending the statements to the same apartment that my daughter moved out of! After further review they said that they will be removing the information that was reported to the credit bureau. The information was deleted off of my daughters credit report but it is still showing as an open account on my credit report. I did call again after 2 months of the balance being paid off and they again informed me by the beginning of XXXX it should be removed.
04/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	SC 29501	Web	Older American
Southwest Recovery Service is keeping an amount of {$310.00} in collection on my credit report. I had a retail business until four years ago. I closed the business in XXXX XXXX XXXX and returned the XXXX XXXX XXXX XXXX XXXX XXXX. I have absolute proof I returned their credit card terminal. Suddenly in just the last two months this collection popped up in my credit report. I sent my proof which includes shipping label and receipt to Southwest, and Southwest said they forwarded what I sent to XXXX. I called XXXX and was told they know nothing about a four-year-old charge. I was a little irate when I called Southwest back, and since the collector didn't like my attitude, he said he would keep it on collection for 7 years. So far, they have. I believe all of the problem stems from my account with XXXX XXXX XXXX which is/was a subsidiary of XXXX XXXX. XXXX XXXX was charged by the Government, and may not be in business. Should have filed a class action suit when I had the chance. My acct # with XXXX leasing was XXXX. Somehow, Southwest is picking up old accounts from XXXX and trying to collect.
09/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL XXXXX	Web	Servicemember
i have a collection account on my credit from XXXX XXXX XXXX that i have disputed several times because i never had an account with them, despite that after futher looking and investigating i found out this may of came from a service provided call XXXX XXXX XXXX who seeked out to me for a debit card reader for my business. I recall reaching out to the original point of contact XXXX and recall telling him several times i had no need for device and also never used it, he informed me several times he was taking care of this issues, since its been placed on my credit i have reached out to him many times so he can resolved this issue as he always stated he would take care of, I have left many messages and emails regarding this for over a year at this point, I NEVER USED THAT DEVICE for he knows i was in hospital for months with covid and kept relasping... this is unfair to me for I attempted resolved this matter several times, when i reach out to reporting agency they are still stating its my debt and nothing they can do and the staff not friendly at all ... .I NEED THIS TOOKEN CARE OF!!!!!
10/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AE XXXXX	Web	Servicemember
A solar-power company " XXXX XXXXXXXX XXXX '' offered me solar panels for my home in XXXX of XXXX. They informed me that if I agreed to secure a loan with a third party, ( XXXX XXXX ), they would create a design plan, provide a final cost estimate and allow me to decide if I wanted to proceed with the purchase. I was sent an e-mail that assured me that I would have the right to cancel beyone their usual 3 day cancellation policy. The company never completed the design plan and did not return my phone calls until after I cancelled the third-party loan, several months later. XXXX XXXXXXXX XXXX and XXXX XXXX then initiated the process to collect a debt from me despite never performing any work. I never received any product from this company - no work was completed. Eventually, I received debt collection notices from Southwest Recovery Service- for approximately one year now. Despite explaining my situation to this debt collection agency, they have not taken the proper actions to rectify the situation, resulting in a significant negative impact on my credit report.
01/22/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AR 72205	Web
I pulled a copy of my XXXX credit report for review and noticed an item from Southwest Recovery Services on behalf of an XXXX XXXX XXXX. I contacted the company today, XX/XX/XXXX and spoke with a XXXX. She informed me that the item was for an internet loan from XX/XX/XXXX. I informed her that I did not have any knowledge of an internet loan and that I am also unable to apply for internet loans as I live in the State of Arkansas and those loans are not approved. Additionally, I informed her that they are not to attempt to collect on internet or payday loans in Arkansas. The item is adversely affecting my credit score and I requested that it be removed. XXXX XXXX stated she hears that all the time and until I pay it will remain. Additionally, it is listed as a " rental/leasing '' item which is also incorrect. All information for the account as well as the account are incorrect/fraud. I informed her I would be contact the CFPB, Better Business Bureau, the Arkansas State Attorney General 's Office as well as seek possible civil litigation as a recourse of action.
06/19/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 78216	Web
Rude, Kept calling, told me I was lying. Very disrespectful. Over a house that I lived in but had to move due to unsafe living environment- I was exposed to mold. I made the property owner aware of the mold. However, he did nothing to resolve the issue and stated that he couldn't afford to do clean up and needed to sell the house. I told him that we would have to move and due to issues. He asked if I was seeking legal action- I told the homeowner " No '' I just need a safe home that is sanitary. I did inform him that I would not be paying him anything due to having to move not by our own choice but rather than for health reasons. I have been out over {$45000.00} in medical expenses- various XXXX, XXXX. I was diagnosed with XXXX on my XXXX XXXX XXXX due to XXXX XXXX. I have seen a XXXX, and take medications daily as a result of exposure to mold while living in the property. My monthly medications cost {$800.00} alone! I get a rude demanding phone call from a collection agency the first I've heard. Stating I owe {$23000.00}!!!!!
06/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA XXXXX	Web
A business account was opened at some point, and closed by XX/XX/XXXX with the closure of the entire business. New charges continued to be placed on the account after XX/XX/XXXX. My name was on the business account when it was closed. Multiple parties including members of the board of directors of the now-closed business and bank officials for the business checking account have interacted with the claiming company and/or collectors on behalf of the claiming company. Around XX/XX/XXXX I asked a collection agency rep to send me a paper statement of the amount owed and all details, and verified my home address to the rep. I never received this mail and for a long period of time the calls ceased. I believe now that the claiming company has opened up a new collection account which is negatively impacting my credit report, from XX/XX/XXXX to present. I did not even know this was back in collections because I received no notice- I only found out when denied for a personal auto loan and this has been in effect for over a year.
02/23/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33166	Web
Southwest Recovery have " FALSELY '' placed 6 plus Collection Accounts on my PERSONAL Credit Report. Southwest Recovery represents a Credit Card Processing Company for Businesses - ( 1 ) I NEVER accepted NOR did I sign any documents accepting any personal responsibility for the Company they have paperwork for [ they have provided me a copy of the paperwork ]. ( 2 ) I NEVER accepted NOR did I sign any document for service other than a " Seasonal Service '' for that 1 Month! [ they have provided me a copy of the paperwork ]. They are claiming I signed a 3-year credit card processing service with them. NO, I Never Did! ( 3 ) ALL Credit Card Machine Terminals were returned! They are stating that they did not receive some of the terminals and charging us for these terminals! That is outrageous. We have no use for these terminals. We didn't process credit cards with them, so why would we keep the terminals ; makes no sense. THIS COMPANY NEEDS TO REMOVE THESE OUTRAGEOUS LIES AGAINST MY CREDIT REPORT IMMEDIATELY.
11/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77084	Web
When reviewing an alert on my credit report, I noticed that there was an attempted collection of a debt that does not belong to me. This collection company put on my report a series of addresses where I have never lived in order to collect a fraudulent debt. It is evident that they used my information to commit fraud. I have never requested these types of services and I have never resided at those addresses. I have never had an account with XXXX XXXX XXXX On several occasions I tried to call this collection company, but they did not answer. The information of this collection company is : SOUTHWEST RECOVERY SER XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX SOUTHWEST RECOVERY SER Original creditor : XXXX XXXX XXXX Balance {$590.00} Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$590.00} past due as of XX/XX/2023. Status updated. XX/XX/2023 Fraudulent address provided by this collection company : XXXX XXXX XXXX XXXX XXXX, TX XXXX
01/20/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	FL 33065	Web	Servicemember
XXXX months ago i received a message from the three credit bureaus that a new collections was reported on each of my reports for {$230.00}. I do not know, nor have I ever heard of the third party agency, nor the original creditor, nor did I receive any letter from either of these parties claiming I owed any alleged debt or notice to cure. I disputed with all three bureaus to validate the authority of the entity to collect on the alleged debt. Two bureaus replied that the debt was not validated and removed from my credit reports. The third, XXXX, refuses to validate the alleged debt. I have challenged it three times requesting they validate the debt yet they respond within a few days saying the debt is verified. I did not request a verification, i requested a validation, and they continue to ignore my request and return what they wish to return which is outside of the scope of my request. I am asking the CFPB to contact XXXX and request they validate the alleged debt according to the FCRA.
05/08/2023	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	TX 76063	Web
A collection account was added to my credit report XX/XX/2023 by Southwest Recovery Services. The original creditor informed me I would not be responsible for this bill and it had been made in error, shortly after the bill was later turned over to a collection company for the amount of {$1100.00}. I spoke with the company stating that I was told I was not responsible for this bill by the original creditor for which they responded it was too late now and I needed to pay it. I proceeded to dispute this charge on my credit report but I feel they did not do a thorough investigation and allowed the charge to remain in collections. I would also like to complain about the following companies reporting late payments after payment arrangements were made with their reps. I was told due to hardship late payments would NOT reflect on my report and reporting would be remain in good standing. The following companies did not honor that : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
11/28/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78641	Web	Servicemember
I received an alert on my XXXX account that I had been flagged for collections by Southwest Recovery Services ( SRS ). This was immediately concerning because I have an exceptional credit score and do not miss any payments. When I disputed the claim, it was updated and verified to have derived from XXXX XXXX. XXXX XXXX is a retail electricity provider who isn't even legally able to sell at my address. I contacted XXXX XXXX because I went directly to voicemail at SRS. They informed me that my address is in fact not serviceable by them and that the account doesn't match me. They requested that I contact the collection firm, SRS. When I spoke with SRS, they informed me that they don't have any documentation and that I had to go through a stringent credit removal process. They proceeded to say " Have a nice day '' and hung up. The problem is that this doesn't really effect me as I'm a high net worth individual. I can only imagine how they're treating others less fortunate than me.
04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23608	Web
This company, which I hold no contract with nor have received services from, reported a collection account found on my credit reports from Southwest Recovery Services for the amount of $ XXXX. I've contacted the debt agency on XX/XX/XXXX, for more information regarding this debt and learned this is for a rental debt owed in the city of XXXX XXXX, VA in which I have never been a resident of that city. This debt was fraudulently placed on my report without my consent. I've requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services, nor have they provided adequate proof I am not obligated to pay for this alleged debt. Under section 611 ( a ) ( 5 ) ( A ) ( i ) states that all 3 credit reporting agencies must have the original signed paperwork in their physical possession before they can report it on said credit file. Nothing was furnished to me.
01/01/2022	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	NM 88011	Web
Southwest Recovery Services Collection company located in XXXX, Texas reported on my credit the same debt four times. First, I noticed that this company reported the same debt twice. It is a debt since XXXX. Then, I noticed that on XX/XX/XXXX they reported the same account twice again ( total of four times that same account ) now I have a total of XXXX. The debt is only for XXXX. I called them and a representative told me that i owe the money. I explained to him that it was wrong and by reporting the same account four times it was affecting my credit so bad. He asked me for my email address. I gave him my email address and he said that in a period of 48 hours he will send the documents to email. 48 passed and he never sent such email. I called the company and left my number, but no one returned the call and am still waiting for the email with the documents to support their reports to my credit. They also flagged my debts as if someone stole my information.
08/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	XXXXX	Web
SOUTHWEST RECOVERY SERVICES PLACED A DEROGATORY COMMENT AND COLLECTION ON MY XXXX CREDIT REPORT FOR {$19000.00}. I CALLED THEM AND SPOKE TO XXXX XXXX AND HE SAID IT WAS FROM XXXX XXXX XXXX XXXX, A DEBT BUYER AND THE ORIGINAL DEBT WAS FROM A XXXX XXXX ACCOUNT IN XX/XX/XXXX AND HAD NO OTHER INFORMATION ON IT. IT IS NOT MINE, I DO NOT HAVE NOR HAVE I HAD A XXXX XXXX ACCOUNT. HE TOLD ME TO SEND THEM A LETTER AND THATS ALL HE COULD TELL ME. I STARTED A DISPUTE WITH XXXX AND WILL SEND THE LETTER. THIS IS THE SECOND TIME SINCE XX/XX/XXXX THESE PEOPLE HAVE HARASSED ME. MY BROTHER WON A SETTLEMENT FROM THEM IN XX/XX/XXXX BECAUSE THEY USED TO CALL HIM AND THREATEN HIM IF HE DID N'T PAY MY ALLEGED BILL AND/OR TELL THEM WHERE I COULD BE FOUND. NOT ALMOST A YEAR LATER THEY ARE ILLEGALLY HARASSING ME AGAIN WITH ANOTHER FALSE ACCOUNT I DO NOT OWE. THE JUNK DEBT BUYER, XXXX XXXX IS JUST AS MUCH TO BLAME BUYING FALSE DEBT AND TRYING TO SCARE CITIZENS INTO PAYING FAKE DEBTS!
03/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web
5th Request. Please be advised!! Ive sent in multiple dispute letters to XXXX XXXX and XXXX XXXX in reference to Southwest recovery account not belong to me being fraudulent. All disputes have been ignored. With the last complaint being sent in on XX/XX/XXXX and Southwest Recoverystated it was their first time hearing of this complaint which is lies please see attached FTC report from XXXX XXXX. Which is way over 45 days legally so now theyre saying theyre doing investigation again this is against the FCRA. Ive never done business or entered into a written contract with this business and I am requesting that they delete this fraudulent account from my credit file now today. I also have proof where letters were sent into the credit bureaus on XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XXXX XXXX so being that Southwest recovery is still investigating I will be called contacting my attorney and following a complaint with the attorney generals office
10/17/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	NJ 080XX	Web
Southwest Recovery Service put an account on my credit report in the amount of {$370.00} I called to find out what this account was about back in XX/XX/2020. The rep told me it was a XXXX account for {$50.00} for a business called XXXX XXXX. I told the rep that the business was an LLC owned by me and two other people and why was this account on my credit report and why was I not notified before this charge was placed on my account. She told me to dispute the account and hung up. I disputed the account and it was still not removed eventhough I never received any letter from the creditor, no documents proving the debt and no time given to dispute the debt. I then called back on Monday XX/XX/2020 and mailed out a payment to pay the debt in full even though I never received proof of the claim, or any type of mail. This was done before I knew my rights to file an complaint against the company. I also want my money back until the debt is proven.
01/03/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 701XX	Web
I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well as the XXXX credit bureaus. Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized account. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. I have no knowledge of this debt. This is not my debt. The following accounts are the result of identity theft : XXXX and XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX. I am still waiting on 2-3 more fraudulent accounts information. I will be contacting you guys in a week or so with the other fraudulent accounts to add to this report. I would really appreciate these issues being taking care of. I file a police report as well and Ill attach the supporting documents Please remove this fraudulent account. Account Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
12/14/2020	Yes	Debt collection I do not know	False statements or representation Indicated you were committing crime by not paying debt	TX 79912	Web
XXXX XXXX XXXX will not pick up phones or answer our emails. We called so many times and sent so many emails ( at least ten times ). We only used their terminal about ten times. We wanted to terminate because they were charging for services we never used. From XX/XX/XXXX till XX/XX/XXXX they charged us each moth and total charges were XXXX dollars. We did not use their services for this period at all. Finally we asked our bank to block it. We got the letter dated XX/XX/XXXX from SWRS ( South West Recovery Services ) to collect {$620.00}. I called them and explained that we do not owe any money ; rather XXXX XXXX XXXX XXXX charged us XXXX dollars for no reason and should refund our money back. Lady goes it is for the equipment. I told her that we can send their terminal if they send us sticker that we can use to send it back to them. She says it is too late. She was so abusive to me and threatened me to damage my credit report.
10/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77083	Web
To whom it may concern : My name is XXXX XXXX XXXX and the reason I am writing is to inform you that I have been trying to get with XX/XX/XXXX, but am very upset for their lack of response and reporting. I have done every step they recommend on removing false accounts that are reporting and yet I'm still waiting waiting for a response. It has past 30 days multiple times and at this point, and still the issue has not been resolved. I still see that they are reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
09/10/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 773XX	Web	Servicemember
Southwest Recovery Service has been trying to collect money from me that has been reported on my credit report from a charge by XXXX XXXX XXXX ( TX, XXXX area ), that is completely erroneous and is currently hindering my credit for no reason. The collections amount is {$260.00}, and although we briefly used this company, after poor service ( being told services were being rendered when they were not -- we have security cameras that proved this -- and poor service when they were actually here ), but we requested they never come back. No contract was signed stating the services that were rendered for this {$260.00} should take place. At one point, an employee trespassed on our property to make it seem like a service was being given -- one that we did not ask for, and was only done in part. No matter how many times we try speaking to this company, they hide behind this collection agency, and we DO NOT owe them any money.
05/02/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33311	Web
I have spoke with XXXX on several occasions in regards to the derogatory mark on my credit from Southwest recovery department. There is no solid proof that I took out a loan on-line. There is no identification this company has of me beside my e-mail address. They want me to send them my information which is not necessary, because I took out this loan they should be able to provide proof that it was actually me. The representative at XXXX does not understand English, which is very hard to explain things to them. Each state has its own statute of limitations on debt : the amount of time the court will force you to pay a debt. For the State of Florida An Open-Ended Account have 4 years to send someone to collection for a debt. They claim I took a loan out in 2012 which I never took out is past the timely filing limit. Which this should be remove off my credit. This company is doing fraud and needs to be investigated.
08/14/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 76137	Web	Servicemember
On XX/XX/2018, at XXXX XXXX, XXXX XXXX with Southwest Recovery contacted me from phone number XXXX, stating that I owed a debt in the amount of {$4800.00}. He provided the original creditor information, and even talked to me about settling the entire account for {$3600.00}. However, I have never received anything in writing from Southwest Recovery stating the original creditor, the amount, or my right to dispute the debt. I have been unable to verify the debt, obtain an account number, or that Southwest is in deed authorized to collect on the debt. I requested from Southwest a notice in writing during the conversation on XX/XX/2018. When I did not received a validation notice after 5 days as required by law, or anything else in writing, I called on XX/XX/2018, at XXXX XXXX, and again on XX/XX/2018 at XXXX XXXX. I still have not received any sort of validation notice, nor anything in writing from Southwest Recovery.
05/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 769XX	Web
Today I got an email from a company stating " Southwest Recovery Services is a debt collector. We are trying to collect a debt that you owe to XXXX XXXX XXXX dba XXXX XXXX Texas We will use any information you give us to help collect the debt. '' I verified that the debt that was assigned was actually paid already. I contacted the collection agency to advise them of the dispute and was told " the debt will remain in collection until XXXX XXXX tells them otherwise. good luck to you. '' and then the agent termed the call. I called back and spoke with a manager and he said proof of burden was on me, that i need a letter from their client stating it was an error otherwise collections will continue. I asked if i could send proof it paid to dispute. He said no, that their client needs to contact them then hung up on me when I told him they needed to provide proof of the debt becuase i have proof its not valid.
11/29/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 32218	Web
They are falsely claiming damages above normal wear and tear ( i.e. range pans, light bulbs, blinds over, sink sprayer over 10 years old, paint, etc.. ) when the home was occupied for a 4 year time frame. Each inspection I advised and had inspector record the following complaints : dishwasher never worked, request to replace/clean carpet, request to fix closet doors and shelving. The keys were returned. The tenant was unable to get in contact with XXXX XXXX- property manager because she had quit and no new property manager was assigned as end of lease was approaching.So there was no one to notify that I was moving which is why there was no eviction or lawsuit filed. There was no one to do a walk thru with me. They just sent this letter saying I owed. When I received the letter I called the new property manager and she said that many people fell thru the cracks when the property manager changed hands.
12/19/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	VA 238XX	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 USC 1681 SOUTHWEST RECOVERY SER XXXX 15 USC 1681 section 602 ( a ) ( 4 ) - I have rights to privacy. 15 USC 1681 Section 604 ( a ) ( 2 ) - states that a consumer reporting agency can not furnish a credit report without written consent from the consumer. 15 USC 1681c ( a ) ( 5 ) - states that no consumer reporting agency may make any consumer report containing the following items of information ... Any other adverse information, other than records of conviction of crimes which antedates the report by more than 7 years. 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.
07/15/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 077XX	Web
My credit report is reflecting a fraudulent address ad that is not associated nor has ever been associated with me. The inaccuracy in question is XXXX XXXX XXXX in XXXX, TX XXXX. In addition, there is also 3 fraudulent debt collections that DO NOT belong to me, and are registered with this erroneous address that is associated with my credit reporting profile. These collections Account names that i am in no way familiar with are listed as : XXXX XXXX XXXX in the amount of {$1100.00} XXXX XXXX XXXX In for the amount of {$1100.00} and Southwest Recovery S for the amount of {$1100.00} I have never lived at any other address other than XXXX XXXX XXXX, XXXX XXXX XXXX NJ XXXX. And i should not have ANY collections or negative items on any of my credit reports. I will be reaching out to each of the reporting bureaus demanding this false information to be removed immediately as this is identity theft.
03/19/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33172	Web
I have an issue concerning 2 collections being reported to the credit bureaus in my name. The information is inaccurately reported and listed. The collection agency has never once provided me with any information regarding this debt, its origin or other history. I received nothing via mail, nothing from an attorney or any other mailed document in regard to this item. I am disputing under the grounds of inaccurately reported information as outlined in the Fair Debt Collection Practices Act with specificity to information illegally listed without documentation. I have disputed the information on those grounds and am asking this agency to place this complaint on the record and to assist in overseeing the collection agency in fulfilling its compliance with my request. I am prepared to seek legal redress for this activity and respectfully request that this complaint be placed on the record.
10/12/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76262	Web
I am in discussion with my country club about some debt. my complaint is not about that, but they sent it to collections, who put it on my credit report and then contacted my ex wife ( of XXXX years ) who was not married to me when I signed up, and is not on any contact information. There is no reason she needs to even know my personal life, let alone my debt. They gave her details, and the exact amount. They would have had to search her out, I never provided any information. We are in the middle of a custody battle and she submitted to the court that I am living an extravagant lifestyle that I can not afford to even pay for. Their illegal, bully tactics not only caused me embarrassment, but they could cost me primary custody of my XXXX children if it reflects poorly of me to the judge. I have attached the document that goes to the court through the court appointed app, XXXX XXXX XXXX.
01/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	MI 48235	Web
I receive a collection notice from Southwest recovery service the creditor is XXXX XXXX.I contact XXXX XXXX leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau XXXX and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against XXXX and I will take legal action if necessary. Southwest recovery service is fraudulent scam working with whoever got my information and wants me to pay something that I do not owe.Please follow up. If it helps please contact XXXX XXXX and they will also let you know that been several phone calls on this matter.
12/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OK 73071	Web
A debt was listed on my credit report that I did not recognize. It is from the collection agency, Southwest Recovery Services. They claim that someone using my name and information applied for credit at XXXX XXXX XXXX XXXX XXXX XXXX in Texas on XX/XX/XXXX According to the credit report, the amount owed is {$1400.00}. I did not open this account. I live in Oklahoma. On XX/XX/XXXX XXXX I was XXXX XXXX at XXXX XXXX XXXX in XXXX, OK. I couldn't have been in Texas to open this account. I have NO email verification from this company, and I haven't received any mail regarding this debt to date. I have tried to contact Southwest Recovery Services to discuss this, but my calls go straight to voicemail. I left my contact information on voicemail, and they haven't returned my calls. I have contacted XXXX and XXXX to report my stolen identity. XXXX recommended that I report this at FTC.gov.
10/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 79763	Web
Started a claim with XXXX through XXXX and online on XX/XX/23 after I noticed my credit score decreased due to a collection posted on my report by Southwest Recovery Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Called them and could not give me any info besides Name of : XXXX XXXX used my social to open and run account. This account was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Emailed them about fraud and XXXX called me back regarding matter and stated that could have been very old account, possibly not recent. Procedure to send to collections to see what they could get back. He understood fraud and would take necessary steps if he was contacted about situation and correction. Called XXXX back today XX/XX/23 XXXX XXXX and told me to make a claim on this website to attempt to clear collection from my Credit Report.
06/05/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33404	Web
On XX/XX/2022 as I was applied for a XXXX card and got denied. When I called the company to find out why did I got denied for credit, they told me that I have a collection into my credit. Than when I called credit reporting agency and got my report, found out Southwest recovery had place a collection in my account which is I was not aware off. than I called them to find out why they where reporting me to the credit bureau, and they had told me I signed up to received credit card for my company. I told them that they mistaking me for someone else because for the life of my business I have never accepted credit card that it was not me. they sent me a contract that was supposed to sign by me and I told them someone had done that, it was not me. they still don't want to take it off. So I am asking your to help me with this. their number is XXXX please let me know what can your do
01/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 074XX	Web
On XX/XX/2023, I was notified by phone that a debt collection agency ( SOUTHWEST RECOVERY SERVICES ) was attempting to contact me regarding an outstanding utility bill in XXXX. I informed them this was identity fraud. I emailed them a police report. On XX/XX/2023, they submitted the debt for collection on my credit report. They gave me no information regarding my rights. They gave me no information regarding : The name of the creditor The amount owed That you can dispute the debt and that if you dont dispute the debt within XXXX days the debt collector will assume the debt is valid That if you dispute the debt in writing within XXXX days the debt collector will provide verification of the debt That if you request the name and address of the original creditor within XXXX days, if different from the current creditor, the debt collector will provide you that information
02/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MS 39443	Web	Older American
I was notified by XXXX XXXX XX/XX/XXXX that a collection for {$1500.00} had been filed against me by Southwest Recovery Services. This was for credit card processing with XXXX XXXX XXXX. I was employed by XXXX XXXX XXXX XXXX XXXX XXXX as XXXX XXXX for XXXX XXXX years and signed the contract for their service because XXXX XXXX, XXXX was out of town. I retired XX/XX/XXXX. I was never contacted by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX paid the charge XX/XX/XXXX. They had gone with another company and returned the equipment. This is showing as a collection on my credit report. My insurance company, XXXX XXXX, has increased my car insurance because of this. I have contacted XXXX, XXXX, Southwest Recovery Service, XXXX, and XXXX XXXX XXXX. I can not get anything done to resolve this. The collection should have been against XXXX XXXX XXXX XXXX XXXX XXXX not me.
02/27/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 758XX	Web
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and are not my account ( s ). I have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have filed many FTC reports and Police reports with the bureaus stating the inaccurate information. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you. *There is 1 account listed that is not mine balance stated as {$530.00} although I never owed this company SOUTHWEST RECOVERY SER XXXX
06/12/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	SC 295XX	Web
This is a complaint filed again from previous complaint XXXX filed and closed on XX/XX/2018. Southwest Recovery responded that they do not have information locate credit file. Of course they do not because they don't have the correct spelling of my name, my accurate address or my correct full social. I am asking that they send me the valid copies of documents they used to verify this account before reporting this account to XXXX. I am enclosing the Notice to Furnishers I received from the FTC, the correct and true proof of my address and two copies from my XXXX credit report showing this collection account. The account number that I provided in the previous complaint is as it is on my XXXX credit file. They want me to give them my information, which they need to be giving me what they have on file to support this collection account.
06/24/2022	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 Their investigation did not fix an error on your report	RI 02886	Web
What I thought was very old debt is wrong. The company that is reporting money not owed is from XXXX. That report is also false. The debt incurred is from a credit card receiving company that baited and switched their contract. I only did transactions using my own debit card to test their system and found flaws. They said it was a charge of XXXX XXXX for each transaction with no monthly fee. That is where they lied. They charged me a monthly fee and I cancelled that account right away. I never received any emails or calls inquiring about that account after that. This is a new scam where they tell you there is no monthly fee and then just send it to a collection company, so it shows up on your credit report. As stated, I only did a few transactions using my own debit card. No other transactions were done from any other source.
02/21/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 33647	Web
date : XX/XX/2022 Amount : {$1500.00} action taken : I, XXXX XXXX, have personally talked to the creditor company ( southwest recovery services representing North american bankcard ) and explained to them that the charge their claiming on my name is fraudulent. I do not know know who " north american bankcard '' is, and i have never signed any documents with them. Afterward, a representative from the collection company emailed me the documents they have and upon reviewing the documents it is further confirmed the documents are fraudulent as they do not have my signature anywhere in their supporting documents. therefore, i am submitting this report on this website. please check my driver license signature and the signature this company claimed is mine is not same. They are clearly a fraudulent signature
10/19/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77014	Web
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts Southwest Recovery Services Plus XXXX or XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times. they should provide proof of evidence of Me in actual person signing the legal contract of the debt owed. they have no recorded phone call or inperson transaction of me opening this account. if they can not provide proof this account should be deleted I am a victim of identity theft.
06/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE XXXXX	Web
we are a small business below book auto, we hired a processing company by the name of XXXX XXXX XXXX to handle our credit card account.. we canceled there processing service XX/XX/2019 by phone and had our bank alert them also. They continued to charge us a processing fee of XXXX per month?? after the account was canceled. We were then placed in collection by southwest recovery services ( XXXX ) for XXXX in XXXX of XXXX we attempted to deal with them but they will not acknowledge any of our documents stating we canceled account!! they just want to negotiate a settlements on funds we do not owe. The processing company will not talk to us? they say deal with the collection people? i can be reached at XXXX XXXX XXXX we have all the documents from XXXX XXXX that shows account was canceled.
03/07/2022	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 781XX	Web	Older American
Went to XXXX XXXX for help with XXXX issue XX/XX/XXXX. He could not help me, was affiliated with my employer and indicated there was no charge. I resigned from my employer XX/XX/XXXX and was notified I was being charged for an office visit in XX/XX/XXXX. I provided health insurance information at that time and asked that they file a claim with the insurance. The account was sent to Southwest Recovery Services for collection and I again provided my insurance information. It appears that the claim was never filed with my health insurance and they are now filing claims against me for the full amount. Southwest Recovery has placed a collection status on my credit report and lowered my credit score. The doctor 's office nor Southwest recovery did their job to collect from my insurance
03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60067	Web	Servicemember
Southwest recovery services contacted my about a credit card swiper that was not returned. They could not provide proof of a contract, a signature, nor proof that a credit card was ever swiped by us on any kind of credit card machine. We do not use them as we are a wholesaler. Customers do not come into our factory. We don't have a public face and have no use for a credit card swiper. I repeatedly told them that the debt was not mine. Some how they got my personal info and put a derogatory remark on my personal account. We are shopping a mortgage and they tanked our credit. I feel like this is extortion. They want me to pay them to go away. They are scammers and need to be taken off the market place. Please help us, they should not be allowed to get away with this.
01/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 20601	Web
On XX/XX/2021 I received and email from : Southwest Recovery Services XXXX XXXX XXXX # XXXX XXXX, TX XXXX ( XXXX ) XXXX Stating that they were collecting a debt. That I owed them {$600.00}. I responded immediately that I didnt recognize the debt and to provide verification of what its for and how did they arrive at the amount of the debt. Shortly after this company place XXXX separate accounts on my credit report. I filed requests for investigation with the credit bureaus. In XX/XX/2021, the bureaus just closed the investigation saying the company verified the collection. I still havent received any documentation of these accounts. I dont know how/what information was verified or how. I know there is no way that I owe both of these collections without recall.
07/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 34990	Web
I asked to send me the original contract, the payment that was made to the original creditor, what was i brought, the address verification, the original contract from the original creditor to the collection agency, and why was my information was shared without my concern. to all these question, I have nothing except the creditor is verified the debt is mine. these things are the information I need about the debt that is in my name and I got nothing. furthermore, I asked the collection agency not to write me anymore about this debt and they continue, is that not a violation of my right. they violate my right by reporting wrong information on my credit and they still violating my right after I asked them not to sent me any communication by calling me or write me.
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	TX 750XX	Web
Collection manager, XXXX XXXX of Southwest Recovery Services, posted a debt of {$4400.00} on Credit Bureau against me after he was made aware that the debt was settled and I had already paid as agreed. He called at XXXX XXXX XXXX XXXX on XX/XX/XXXX, I told him that I have settled the debt with his client and he needed to talk to them. He apparrantly did call them ; he knew the debt was settled that day ; but he went ahead and falsely reported the debt to the Credit Bureau the next day on XXXX. I also suspect that he has some kind of a personal relationship with the accountant of his Client, XXXX . XXXX XXXX and I have reasons to believe she helped him in this matter against me without the permission and consent of the superiors at the business she works for.
12/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30035	Web
In accordance with the Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under 15 USC 1692C Account Number # XXXX Also the Debt Collection Agency took more than 30 days to complete my investigation I have enclosed a copy of my letter sent to the debt collector. I am not liable for this debt and do NOT have a contract with Southwest Recovery Service
04/14/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX XXXXX	Web
Collection agency unwilling to provide written documentation proving ownership on account despite multiple written/certified requests. Notice of collection dated XX/XX/XXXX received. Written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent XX/XX/XXXX. No response received. Collection placed on credit reports on or about XX/XX/XXXX effective dated back to XX/XX/XXXX. Additional written response indicating no knowledge of or relationship with creditor requesting copies of signed work order and/or signed receipts equaling XXXX sent certified mail on XX/XX/XXXX. Signed for by XXXX on XX/XX/XXXX at XXXX XXXX. Still no response received.
12/21/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NM 87112	Web	Servicemember
XXXX XXXX XXXX in XXXX XXXX new mexico XXXX XXXX XXXXXXXX XXXX XXXXe nm, XXXX sent my mother to collections without prior notification that she owed any money. She was paid up before she left this facility. She provided 30 day written notice to leave. This facility never sent any correspondence to settle anything owed and then suddenly sent my mother to Collections ( after 12 months she since she had left. ) with Southwest Recovery Services XXXX XXXX XXXX, XXXX XXXX, tx XXXX XXXX She had advanced XXXX and as her POA I had to sign for her so the debt collector placed me as a co-sginger. Now they have placed a negative entry into my credit report for a debt not owed. They claim my mother owes XXXX incorrect and unethical.
06/06/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MI 482XX	Web
I had to contact Southwest Recovery Services by phone to get their correct address because I sent them disputes and they kept coming back to me as undeliverable because of incorrect address. I sent it to the address which they provided on my credit report. After they gave me another address of XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX, I mailed the most recent Dispute and Notice of Debt Validation to them on XX/XX/2022. I have stated to them several times that I do not recognize the debt which they are reporting to my consumer credit file. Southwest Recovery Services has not replied to validate this alleged debt. They have also provided incorrect address to me so that I can not dispute the debt with them in writing.
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	AL 350XX	Web
This Company southwest recovery s fraudulently charged my account twice XX/XX/XXXX for {$1800.00} with the same amount when they already had an open account from XXXX at the amount {$1800.00}. They charged my account twice to get double the money and to create a false account to cause me to pay more to their company and lower my credit score to prevent me to purchase a home. They lied to XXXX to say they have a new reopened account but it was actually the same account. XXXX did not flag the fraudulent activity and it caused my score to drop drastically. XXXX should have seen this as fraud but still allowed this company to report and cause damage to my credit report causing a problem for me to purchase a home.
12/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Credit inquiries on your report that you don't recognize	TX 751XX	Web
Southwest Recovery Services is on my credit file report as an entity I owe. I have not consented to doing any business with them, ever. I have requested them to validate the debt they are claiming I owe them, and they refuse to do so, thus violating 15 USC 1681 ( b ). Southwest is willingly participating in inaccuracy reporting practices, and it needs to stop. The adverse reactions they have taken against me are fraudulent., and they have caused damages to my credit file. I do not consent to them making false report inquiries on my credit file. They also are in violation of 15 USC 1692 ( e ) by falsely posing to be an attorney when they are debt collectors. The harassment needs to stop effective immediately!
06/06/2022	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77020	Web
On XX/XX/2021 the landlord and I XXXX XXXX XXXX XXXX XXXX XXXX went before a judge for the amount of XXXX the case was DISMISSED being that I paid the amount due it was never XXXX not sure how or where that came from can provide proof and moved out over a year ago my new lease is currently ending as its been a year. Southwest recovery services never reached out to me about this said debt as its inaccurate and a judge already ruled the case number is XXXX and you can investigate this by visit my justice peace court and entering mine or the plaintiffs information as this info doesnt go away for several years I do not own this or anything major it need to be removed and Ill be pressing criminal charges as well
04/22/2022	Yes	Debt collection Credit card debt	Communication tactics Used obscene, profane, or other abusive language	ND 58103	Web
I talked with a guy from XXXX today stated name was XXXX XXXX owner of company. We came to an agreement on a settlement but first I want a letter stating it was settled in full, and wanted to know how my credit would be updated he got really angry stating it would show settled on credit would not be removed and the I state well can't i just depute once paid and he state no I need to stop deputing and he would not take a settlement unless I stopped or did not depute and the stated I am the owner and since your going to depute I only want a payment in full now and no one in the office is allow to talk to or take payment on account if they don't tranfer him the call they would be fire stating his employees.
07/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 303XX	Web
I have been put into collection by Southwest Recovery XXXX on XX/XX/2022 in the amount of XXXX for a piece of equipment a ( credit card terminal ) from a small bussiness that was sent back from a merchant represenitive from the credit card proccessing company called XXXX. The card proccesor was deliverd but they could not find in warehouse due to lack of employees. This during covid. This is not my fault that could not find it or someone else misplaced it. They have fraudently tried going into ky Business bank account to try to withdraw money from me and my XXXX. These companies are crooks on small businesses. I have a perfect credit score and i dont need this on my report. Please help. Its on XXXX.
09/29/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95624	Web
A company I have never heard of, nor have the contact information for, has listed a collections debt on my credit report. It appears to be Southwest Recovery Services. The collection on the account claims I owe {$1100.00} from XXXX of 2016, yet I opened no new credit that year. I have never received any mail or calls from this company so that I could either pay the debt to avoid collections, or, to be able to dispute the debt if it was indeed unfounded. This is a very scary thing that a company can just put something on my credit report, affecting my score and reputation, with something I know nothing about. I have filed with XXXX to dispute it and have it removed, but I do n't know what else to do.
12/18/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	PA 182XX	Web
On XX/XX/XXXX Southwest Recovery Services reported on my XXXX report that I owed {$810.00} on an individual account taken from original creditor XXXX XXXX XXXX XXXX. Stated it was opened on XX/XX/XXXX which I have not opened any new accounts at that time. Tried calling XXXX ( XXXX ) XXXX pressed option 2 to speak to someone regarding credit reporting office regarding a issue appearing on your credit report. Rings several times then you are disconnected or occasionally you can leave a voicemail for an individual. After several calls was informed this was a payday loan however other than that they just refer you back to XXXX XXXX XXXX which has no information as the debt was removed from their office
12/08/2023	Yes	Debt collection I do not know	Electronic communications You told them to stop contacting you, but they keep trying	TN 37334	Web
I have disputed this alleged debt with southwest recovery services. I have no recollection of this alleged debt. I have recently received another email from them attempting to collect. After repeated request for the following documents to validate this alleged debt, I have not received the requested documents and yet this item is still being reported to the credit agencies. These items include : XXXX. The original contract with the original creditor with my picture and my signature XXXX. The complete and unredacted purchase agreement showing when this alleged debt was purchased and how this alleged debt is somehow tied to me. XXXX. Any and all payment history regarding this alleged debt
06/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 77904	Web
I attempted to contact the school numerous times and have submitted all of the accompanying documents to both the school and collection agency. This is being fraudulently reported as a debt owed. The school owes me a refund per Texas TDLR guidelines and is stated in their student handbook. I never entered into a payment plan with the school, was never notified by either them or the collection agency about the debt, despite multiple attempts neither of the 2 can provide a statement of what these charges are and their dates. I never received 90 % of the the course materials I paid for from them and when notified/requesting them sever times, I was dropped from the program and ignored.
02/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 755XX	Web
I was contacted by SOUTH WEST RECOVERY SERVICES about an alleged debt they where try to collect on which I never signed any contracts with them please provide me the documentary of Evidence 15 U.S.C 44 with my name in wet ink and SOUTH WEST RECOVERY SERVICES REGISTERED AGENT Names on the contract as well South West Recovery Services is also in violation of failure to communicate that a disputed debt is disputed 15 U.S.C 1692E ( 8 ) I told A SOUTH WEST RECOVERY SERVICES representative I was aware of any alleged over the phone and they still listed on my credit report which is also identity theft I never gave them any written consent to put anything on my consumer report
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90046	Web
T0 whom this maXXXX concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
11/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77016	Web
On XX/XX/2023, I received a notification that a new collections from Southwest Recovery Services was reported on my credit report. The collections is for a utility bill with XXXX XXXX XXXX for {$1100.00}. My credit report shows that the account was opened on XX/XX/2023 and it is associated with an address I never had before. This collections has caused my credit score to drop and th9i9s must be deleted from my credit report as soon as possible. I have disputed this with XXXX directly. I have filed a police report with my local police department, as well as with the FTC. A fraud alert was placed on my credit report in XX/XX/2023 due to another cause of identity fraud.
03/10/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 90046	Web
T0 whom this may concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
08/12/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 76006	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
11/04/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77566	Web
in XX/XX/2023, south west recovery issued a credit report type collection, date opened XX/XX/2023 in an amount of XXXX XXXX, original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX I tried to get mor information such a detailed report with no success. I field, 2 complains with XXXX, submitting a court documents issuing a judgment in my favor against the XXXX XXXX XXXX, unfortunately the report has not changed. I don't know were this amount of money come from, and if they have any proof of it I am glad to see it. now my credit report is messed up, which I worked hard to maintain it as good as possible. I am a victim of a crime, retaliation and fraudulent report.
10/19/2017	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	TX 75154	Web
I periodically check my credit report and found company, Southwest recovery Services, has applied a debt to my credit file back in XXXX XXXX. I 've called the company on several occasions asking for documentation to no avail. We are almost 11 months into the year and they have yet to certify that the account belongs to be. Neither of the 3 credit reporting agencies were any help. Even when I dispute this information, nothing has been mailed, emailed nor called to confirm this. I 'm out of options and really need assistance as my credit is my life and worked very hard to keep it above XXXX. They are trying to collect amount of {$1000.00}, in which I do not owe.
04/02/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 752XX	Web
Southwest Recovery SER collected {$150.00} from me, XXXX XXXX On XX/XX/2022. This was under Grid Code G - Collections. I am unaware what this charge is for and no one was given my permission to collect this amount, nor was I given the option to dispute it. I have attempted to contact this Collection Agency located at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. Their contact number is ( XXXX ) XXXX. Id like to dispute this at this time and not only get reimbursed for the {$150.00} that was not approved, but regain Credit decrease of 90 points which is my point decrease due to this Flagging of collections. Please call me at XXXX with questions.
01/04/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 175XX	Web
I checked my credit report and found a Southwest Recovery Service collection account with a balance of {$330.00} dollars, which does not belong to me. The original creditor is XXXX XXXX XXXX XXXX XXXX in the state of Texas. I contacted the XXXX company directly and explain this problem, the representative told me to send a police report to them and a description of the problem. I have never lived or visited the state of Texas. I want to report this as fraud and I want a solution to this problem. Thank you. XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX ( XXXX ) XXXX Customer care : XXXX
09/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85009	Web
I have been active on getting my credit reporting straightened out. I have noticed so many errors. This is another. I have communicated with XXXX, XXXX and XXXX. Out of all three XXXX removed the debt collection that is FRAUD. XXXX and XXXX must be ignoring my claims and they have not provided any verification of this debt showing. SOUTHWEST RECOVERY SER ( Original Creditor : XXXX XXXX XXXX. ) have been contacted via certified mail return receipt. However, it is being ignored. This is why I am reaching out to you. They should all be on one accord and it appears fishy. This debt is not mine and I do not owe anyone. Please assist me with this matter.
10/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 191XX	Web
XXXX. In XX/XX/2022 I used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to move from XXXX to XXXX, during the process they broke my XXXX XXXX XXXX Curved TV , which was worth {$600.00} 2. I requested a refund from XXXX XXXX XXXX XXXX for my broken TV 3. They ignored my request and refused to refund my TV 4. I requested a {$500.00} refund through my credit card 5. They immediately followed back and threatened me to send my info to the debt collector 6. I told them this is what they owe me because they broke my TV 7. On XX/XX/2022 I found SOUTHWEST RECOVERY SER opened a collection account under my name asking for {$500.00} that I do not owe to anyone
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90605	Web
SOUTHWEST RECOVERY SERV is the collection company that has reported a bad debt on my credit report.i have contacted them and requested a copy of the contract that was signed to prove i have signed for this. I feel like i have been a victim. they will not provide a copy of the agreement and told me to file a dispute with the bureaus. i filed a dispute and XXXX has requested for me to provide proof it doesnt belong to me or resolve the problem with Southwest Recovery. I tried to file a police report as well and the police department told me to file a dispute with the credit bureau. now you can see i'm getting the run around. What is my recourse?
06/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CT 061XX	Web
I received a notice from Southwest Recovery Services of XXXX XXXX XXXX, XXXX TX XXXX stating I owed a debt of about {$8000.00}. I was not familiar with this debt and called them and kindly requested them to mail me proof of the debt for my review. I called them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Today I spoke with XXXX XXXX who stated they dont mail these documents and he declined to mail me proof of the debt. This has been very stressful. In the interim, they have placed a debt on my credit report which has adversely impacted my credit score. I would just like to get a copy of this debt to see what debt it is theyre seeking.
03/07/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33435	Web
PLEASE BE ADVISED THIS IS LIKE MY FORTH REQUEST.. IVE SENT IN MULTIPLE FTC REPORTS TO SOUTHWEST RECOVERY, EXPLAINING THAT IHAVE BEEN A VICTIM OF IDENTITY THEFT. FOR SOME REASON ALL MY INFORMAION IS BEENING IGNORED. PER FCRA THIS INFORMATION NEEDS TO BE BLOCKED FROM MY REPORT, IF SOMETHING DOESNT HAPPEN SOON I WILL SEEK AN ATTORNEY AND SEND A COMPLAINT THE ATTORNEY GENERALS OFFICE. PLEASE SEE ATTACHED FTC REPORT 15 USC1681C-2 ( A ) THE LAW SAYS IN CASE OF IDENITIY THEFTA CONSUMER ( MYSELF ) MUST PROVIDE 1. FTC REPORT 2. IDENTIFICATION 3.CONFIRMATION FROM CONSUMER ( ME ) THAT SAID ACCOUNT IS FRAUDLENT AND I DONT ACCEPT RESPONSIBILITY,,
08/30/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit repair services	Fraud or scam	GA 312XX	Web
credit repair is illegal in the state of georgia i contacted XXXX XXXX to repair my credit in 2019 made false claims about their services promising to remove negative information from my credit report they charge high fees did not to the sevice when i did not finish paying them they put a collection on my report of XXXX dollars for illegal services they did not do unlawful and deceptive practice i want the collection immediately remove from my credit report for this illegal practice the collection company is southwest recovery XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX tel XXXX the credit repair company is XXXX XXXX no contact information.
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	TN 381XX	Web
I have contacted this company back in XXXX once appearing on my Credit Profile as owed I have not one clue Of a way to resolve an issue Where NO SERVICES WHERE RENDERED TO ME THERE IS NO DOCUMENTATION WITH MY VALID SOCIAL SECURITY ACCOUNT NUMBER OR DOB I have pleaded with CREDIT BUREAU TWICE they constantly update and attach false debit and an pile up fictitious information on MY PROFILE they are scammers to say the least masked as debt collectors. PLEASE USE UCC FTC COMPTROLLER OF DEBT AND CREDIT REPORTING GUIDELINES and regulations and remove all negative info reporting and data processing on XXXX XXXX XXXX XXXX/XXXX/XXXX : XXXX
08/19/2015	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	OK 731XX	Web
XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. On my personal cell phone, I get upwards of XXXX calls a day from her company.
09/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22554	Web	Servicemember
Southwest Recovery Service is attempting to collect a XXXX XXXX debt for my step child. The debt is 8 years old and belongs to my wife however during that time we were not married nor living together until several years later. She is also fighting it on her side and has receipts to prove the debt is not valid. Southwest Recovery Service never contacted me about the debt but I found it on my credit report a few months ago. Tried to dispute it, letting them know it was not my debt, nor my child, nor was I involved at that time but they refuse to remove the debt. I asked them to provide evidence that the debt is mine and they can not.
04/20/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77063	Web
I noticed a {$1400.00} debt reported as collection on my equifax credit file. According to the report Original creditor is XXXX XXXX XXXX located in XXXX XXXX . Collection agency is Southwest recovery servi ces located in XXXX Texas. ( Both of which I 've never had any dealings with in my life ), This is a fraud. i 'm in the middle of purchasing a house and this kind of activity will jeopardize my chances of owning this house. I am asking for a full investigation of this matter. I 'm requesting that the highest penalty possible be implemented on these perpetrators. I want this account removed from my credit file.
02/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NC 275XX	Web	Servicemember
I worked for XXXX XXXX XXXX out of Texas. This was in XXXX. They supplied my initial part up for the truck and then took it out payroll deduction. I left the company because they messed up marketing and I did not get any work for over four months. I did not know how much I had paid to them. I never received any communication from them stating I owed any more debt. Now two years later I get a collection on my credit report. I have disputed it on the credit report. I have also reached out to to XXXX XXXX as well as XXXX XXXX, and XXXX XXXX XXXX they refuse to return any information to me to show that the debt was not settled.
12/04/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75010	Web
Southwest Recovery Services based out of XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX put a collection note on my credit file with XXXX credit bureaus. I tried contacting this company through phone and email and did not get any response. Eventually, I spoke to a representative more than XXXX business days ago and asked for debt validation, also, informed them that i am victim of identity theft and asked them to send me the details in a personal email so that I can forward them Identity Theft reports lodged with FTC and local police. I have not received a response and even though I leave voice mails, I do not recieve call backs.
07/23/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75043	Web	Older American
Date : XX/XX/XXXX Amount : $ {$3300.00} Email : XXXX XXXX XXXX Southwest Recovery Services with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX from XXXX to XXXX XXXX XXXX to XXXX I received an email from Southwest Recovery Services with XXXX XXXX XXXX in regards to a collection amount of {$3300.00}. I have already gone to court and the judge already granted the decision for me to pay XXXX XXXX XXXX in the amount of {$2900.00} in XX/XX/XXXX. XXXX XXXX XXXX is requesting more payments after XX/XX/XXXX when I am no longer living on the property. XXXX XXXX XXXX is asking for XXXX and XX/XX/XXXX Payments.
01/29/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75089	Web	Servicemember
I have sent a certified mail to Southwest Recovery Service to not contact me directly and for them to contact my attorney on XX/XX/2020. They still contacted me on XX/XX/2020. I need Southwest Recovery Service to provide the following information to my attorney. 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 the basis for each charge. I have attached the certified letter that I have sent to collection company.
05/05/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 92122	Web
Original creditor XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX What happened? ============= They opened an account under my name without verifying the identity and sent the unpaid debt for collection. As a result my credit is ruined. I have never lived in XXXX XXXX, TX. SOUTHWEST RECOVERY SERVICES has flagged your account as Collections on XX/XX/2022. Source : XXXX XXXX : SOUTHWEST RECOVERY SERVICES Original creditor TXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$290.00}
06/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77099	Web	Servicemember
I talked to the owner of the XXXX XXXX and he stated that I did not open an account, and he also texted me stated that he told the collection company it was a mistake and he told them to delete the account because it was a mistake!! However, they have refused to remove the debt. If you contact XXXX XXXX they will tell you it was a mistake. This is FCRA violation for inaccurate reporting. ( 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ]. Please investigate thoroughly and please remove it!!! This is identity theft! Please remove it from my credit report.
06/02/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 33810	Web
I submitted certified and notarized documents to each company via USPS mail. These companies are replying back that that have not received proof but some one from each company has signed off of the documents that were delivered. I have also filed previous complaints against these companies. I have uploaded documents to this website the same documents that were sent to each company as proof of the accounts not belonging to me. These companies have not sent out any verification in any form as proof that these accounts are mines. I am proceeding these matters further in civil court if not removed in 14 days.
04/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
First, i do not owe the original company any money because i did not do any businesses with them. I requested Validation of debt. The documents sent to me to validate the debt do not show my name nor my signature as the person liable for the debt. I informed SouthWest Recovery Services that this is a fraudulent debt and it needs to be removed from all 3 credit bureaus. I have sent Southwest Recovery services a notarized letter with my name ID and signature so they can see the debt they are trying to collect on does not belong to me. They still have not removed the debt collection from my credit report.
07/21/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76226	Web
On XX/XX/2022 Southwest Recovery Services turned over debt that I did not owe to XXXX and XXXX. They contacted me in XXXX of 2022. I immediately disputed the debt on the same day and asked for proof of the debt. I sent several emails following up with the company to dispute the debt while continuing to ask for proof. In XXXX of 2022, I asked for the collection to be dismissed. By law they have 30 days to submit proof of debt. In XXXX, I reached back out to them to make sure the debt was dropped ; it wasn't. After all of this I was still turned over to the credit agencies and my score has been damaged.
09/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76542	Web	Servicemember
Southwest Recovery located at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX phone, XXXX. Has bought an account from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX and they are saying that I now owe {$1100.00} to the collection agency. This account was paid in full on XX/XX/XXXX in the amount of {$1000.00} and I have my debt settlement letter from XXXX XXXX XXXX as well as receipts showing the debt is paid. Southwest recovery is reporting inaccurate information. I have disputed the debt with the credit bureaus and XXXX is reporting the debt as accurate as of XX/XX/XXXX.
06/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	SC 29016	Web	Servicemember
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
03/22/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85204	Web
Southwest Recovery started calling my cell phone in approximately XXXX 2012. The first message said, " We have your social security number on our desk, it will be turned over to our attorney unless you call back before XXXX today! '' I called and they said the debt was for another person, it was n't my debt. Further, I found it was my husband 's ex-wife 's attorney bill. Her name is on the account. I received more calls & would select the option for " do not call, I am not the correct person. '' I even got a call after midnight. I have a screenshot of the phone call.
05/03/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30157	Web
I lost my identity twice and I had someone use my credit card accounts and open new accounts under my name. I believe it was someone who contacted me about an ad for a townhome I attempted to rent in 2016. They made me submit my bank statements and tax returns and then said the owner decided to go with another tenant. I started to have issues with my credit cards I eventually paid them off after they removed the fraudulent charges. I made several police reports to document what happened. I have attached all the reports I have access to at this point.
10/12/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	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.
09/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NV 89183	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.
05/28/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77077	Web
I have disputed with XXXX a collection from XXXX realty and sow threat recovery who was my landlord for three years. Do to medical recommendations from my doctors, I had to sick for medical help out of the state of Florida that was where I was living. I provided medical documentation to XXXX on this regards do to my landlord, even when Provided with medical documentation that was the reason that I moved to another state to seak medical treatment in another state, and one of the only two reasons to brake a lease without penalties.
12/23/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29588	Web	Servicemember
SOUTHWEST RECOVERY SERVICES XXXX XXXX XXXX reported that I owed a debt in which appears to have occured when my identity had been compromised.I received emails from this company and assumed it was fraudulent emails and I have advised the company that i had no knowledge of any such debt. XXXX refused to provide any details about debt and has sent me emails in which I responded to advising them that this is not my debt. On XX/XX/2021 they sent this information to the Credit Bureau after I advised them that this is not my account.
01/16/2023	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	NC 28216	Web
I have filed multiple disputes over the last 2 years with XXXX and XXXX requesting verification and the removal of the Southwest Recovery Services. Credit Bureau disputed were filed XX/XX/XXXX and XXXX XXXX. They continue to send results back the account is verified even though I do not owe Southwest Recovery Services {$4200.00}. On XX/XX/XXXX I reached out directly to Southwest Recovery Services and requested debt validation and they too did not validate the account nor the accuracy of the reporting in their response.
09/20/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 77014	Web
I am a natural person, I am a living human being, I have rights under 15 USC 1681. XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts XXXX XXXX XXXX Southwest Recovery Services XXXX XXXX XXXX I want all collection accounts deleted asap! they do not belong to me and Ive provided this company proof over 3 times.
09/15/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 779XX	Web
I have 2 collections from XXXXXXXX XXXX for the same amount of XXXX. One is for an account dated XX/XX/2018 and one is XXXX XXXX they have been assigned to southwest recovery service . I have never had a XXXX XXXX account and I called to inquire with southwest recovery and they said call XXXX XXXX, when i called XXXX XXXX the said call southwest recovery. XXXX XXXX or southwest recovery has never tried to contact me, of course they wouldnt know my phone # or address because ive never had an account with them.
10/11/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32506	Web
I have requested requested verification and validation of debt per my right under the FDCPA section 809 A and B. The information being reported on my credit report is not mine and I am requesting proof these account are mine. I am aware of my rights and will seek actual and statuary damages to protect them for each violation. This company has failed to provide this documentation to me in a timely manner. If the CFPB can not help me then I will have no other choice than to hire an attorney and sue for damages.
06/11/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS XXXXX	Web	Servicemember
This is a followup to my { Attached } CFPB Complaint # XXXX. The company { Southwest Recovery Services , INC } responded that this Collection Account will be REMOVED from my Credit Reports while proper debt notification/verification is conducted. I simply would like to know on what EXACT date will the Credit Reporting Agencies { XXXX, XXXX, and XXXX } be sent the REMOVAL action ( s ). This fraudulent Collection Account on my Credit Reports is holding up my processing of an important financial transaction.
06/09/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	MS XXXXX	Web	Servicemember
[ See ATTACHED Credit Item from my Credit Report ] ... This month, XX/XX/XXXX, a Collection Account for {$1300.00} from Southwest Recovery Services was placed on my Credit Reports ; Collection Account # XXXX, with a opened date of XX/XX/XXXX. The ORIGINAL CREDITOR shows as XXXX XXXX XXXX XXXX. I have NO KNOWLEDGE of ever doing ANY business dealings with XXXX XXXX XXXX XXXX. Additionally, I have NEVER received any WRITTEN DEBT VALIDATION from the Original Credit or the Collection Agency.
12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08105	Web
On my XXXX, XXXX and XXXX credit report it showed I have a credit I have a revolving account from first premier stating I opened account with them XX/XX/XXXX and balance XXXX account is closed and showing on my credit report with a payment never being made. This clearly is not mine all my credit cards is paid on time thats on my credit. I want this removed off my credit immediately I been disputing for years and they still havent provided any documentation proving this is my account.
09/29/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76106	Web	Servicemember
I received a call from a debt collector about a debt that is not mine ; I told the person the debt is not mine. I have medical insurance so I don't owe any past due medical debt. they put the debt on my credit, XXXX, and I disputed and it was removed, but then the company put it on my XXXX report ; I disputed and XXXX said the debt is validated. I asked for some sort of documents to see the debt and received nothing but a statement on my credit saying its being reported fairly.
01/23/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 55106	Web
Repeated attempts to contact with zero response. Have asked to show how, where and when occurrence happened, with nothing, zero response. Seems shady as they want you to leave a message with personal information without having someone available to speak to first. Debt they are reporting came out of no where in XXXX, during lock down, no credit taken then and will be on record until XXXX does not make sense and SOUTHWEST RECOVERY SER will not very the information with me.
06/28/2019	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	TX 75227	Web	Older American, Servicemember
Collection agency- Southwest XXXXecovery Services,XXXX XXXX XXXX , XXXX, Tx XXXX , continues to call ( using Robo caller ). Called this date ( XX/XX/28 ), @ XXXX Pm. This collection agency was notified with a Cease & Desist letter, weeks ago. I have received numerous Robo calls originated by this collection agency. Received a threatening call concerning a Medical claim that came from Southwest recovery- This is in violation of the Federal Fair Debt Collection Act!
06/07/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75093	Web
I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that XXXX XXXX, Southwest Recovery Services, XXXX XXXX, and XXXX XXXX absolve me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
08/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77539	Web	Older American
Credit report notice shows a default to a power company in the amount of {$620.00}. Account opened XX/XX/2022. Service power address is where I lived 15 years ago. I am legally divorced ( 15 years ), and ex-wife still lives at service address. The debt is with collections so I can not dispute who authorized the account with the power company. I live in the same house with the same utilities going on 14 years with never any association with my ex-wife ever.
11/08/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77396	Web
I have contacted XXXX and Southwest Recovery Services at least 10 times over last 3 months. There are 2 collection accounts on my report that are clearly not mine. The Collection company does not even have my social security number or name in their system. They said it was a file merge that 's how the account showed up on my file. They have contacted XXXX over and over to verify this is not my account and XXXX refuses to remove this account in a timely manner.
09/24/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 782XX	Web	Servicemember
I purchased furniture from XXXX XXXX multiple times in XXXX and XXXX. I applied for credit but was declined due to my credit scores so I purchased with my debit card and XXXX XXXX XXXX XXXX Bank Account. XXXX XXXX has places an account on my credit report for {$240.00} through Southwest Recovery. I don not have an open account with XXXX XXXX because I paid for everything before delivery. I would like this account remove immediately off my credit report.
08/20/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77581	Web	Servicemember
There is a collection on my credit report from a Southwest Recovery Service, that lists the original creditor as the same name with a date of XX/XX/17. I have absolutely no clue what this is for. I have never taken out any account with this business and never received any bills or notices that I had a debt with this company. I do not think this debt belongs to me and if it does I believe it has been illegally re-aged and placed on my credit report.
10/12/2017	Yes	Payday loan, title loan, or personal loan Payday loan	Received a loan you didn't apply for	OH 43615	Web
I checked my credit report and see an unfamiliar account. I was given the run around about this account until I was told from a representative that it was from XXXX and they outsourced it to another company in which they are reporting it as a current account XXXX ... .... I did not make progress in resolving this matter as I have no knowledge of this account. Original Account Holder : XXXX XXXXXXXX XXXX Current holder : XXXX XXXX Amount : XXXX
02/14/2023	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	MD 21801	Web
I'm filing another complaint against South West Recovery Services. CFPB closed my original complaint because the company responded. This is just a tactic to have the complaint closed by the company submitting anything even though it doesn't support anything. Southwest Recovery Services has yet to provide a sign contract BETWEEN ME AND SOUTHWEST RECOVERY SERVICES. I have not conducted any business with this company. PLEASE PROVIDE THE CONTRACT.
04/18/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web
I am a victim of identity theft and I have notified the original creditor XXXX XXXX and the collection agency Southwest Recovery Services. During my divorce proceedings the judge ruled that this account is not my debt as my identity was used to open this account by my ex-husband. I have disputed this account with XXXX as well and they refuse to remove the account from my file. Account # XXXX in the amount of {$6300.00} opened on XX/XX/2017.
11/24/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 762XX	Web
I reject the previous response from southwest recovery service inc. they purchased this debt from a third party, and it is an illegal attempt to collect this debt. I have no obligations to pay this to XXXX XXXX, and I have no wet ink signature contract with southwest recovery services. I am informing I will have to pursue a lawsuit. It needs to be removed from my credit report immediately, and they have broken several consumer laws.
07/05/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90017	Web
Southwest Recovery Services at XXXX XXXX XXXX, XXXX XXXX XXXX, Tx XXXX has been sending me collection notices in the amount of XXXX the collection has been reported as past due balance. I do not know owe this company any past due amount of any kind. The company does not have a contract with my signature. I also have email providing proof that account was closed back in XXXX of 2021 and no amount of any kind is owed to the company.
07/20/2023	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	CA 94103	Web
I work for a company, I am an employee, not an owner, partner, or principal. XXXX XXXX at Southwest recovery services is threatening to have the debt attached to my personal credit, stating that he knows my Social Security number, even going so far as to read the last four digits back to me. The debt he is calling about is a debt related to my employer. He is repeatedly calling, with abusive, demeaning and threatening statements.
03/10/2023	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	TX 75180	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.6 purpose.
12/05/2023	Yes	Debt collection Rental debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA 30297	Web
After winning two civil suits against my former landlord, XXXX XXXX, and XXXX XXXX, I experienced retaliation in the form of damage to my credit. Specifically, they reported an amount of approximately {$38000.00} to the credit bureau, despite two XXXX XXXX judgment orders indicating that I owed them XXXX dollars. This has had a significant impact on my financial standing and I am seeking assistance in resolving this matter.
12/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32137	Web	Servicemember
Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has a collection reported on my credit reports for the amount of {$8200.00}. I never did any business with Southwest Recovery Services. I don't know who this company is. I've never signed a contract with this company for anything. Ive never given permission verbally or in writing to anyone to pass my information to this 3rd party that Ive never heard of.
11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
11/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL XXXXX	Web
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.
10/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77063	Web
I have received a notification from Southwest recovery that there is a debt collection company letting me know I owe a debt of {$1000.00} on my credit report the date of XX/XX/XXXX letting me know that I owe XXXX XXXX XXXX in XXXX, from looking up online, they are a credit card processing company that has nothing to do with me personally. I did not work or own any company that made me liable for this fraudulent charge.
12/12/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 77099	Web
I received an alert from a credit monitoring service I use and when I checked there was a collection account was put on my consumer report. This account does not belong to me and I do not know or have done any business with this company. I reached to this company asking how they obtain my information with out my permission and verification of this alleged debt belongs to me. They have not provided me any validation
01/20/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92201	Web
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit report immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach & XXXX has done nothing. please help me delete these illegal accounts from my credit reports. 1 ) Soutwest Recovery for {$1300.00} 2 ) XXXX XXXX XXXX for {$2600.00}.
05/25/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77095	Web
Reviewing my XXXX credit report and it is showing an account by SOUTHWEST RECOVERY SERVICES WITH REPRESENTING CREDITOR XXXX XXXX I have never done business with this company . Southwest Recovery i s not even licensed and bonded in the state of texas and the information need to be removed IMMEDIATELY. XXXX XXXX is also reporting on XXXX and XXXX and need to be deleted as well immediately.
10/02/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	LA 705XX	Web
On XXXX XXXX Southwest Recovery Services sent me a letter responding to my dispute letter for the amount of XXXX dollars asking me to provide enough information about the debt they have reported on my credit and all the information I have is their name and address. If they are reporting debt on my credit how is that possible when they can not send me the account number to the debt they say I owe them.
04/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 312XX	Web
According to the fair debt collection practice act you have thirty days after receiving a collection notice that I received on XX/XX/2020 to write for validation of mail i sent certified letter on XX/XX/2020 swrs collection agency did not validate debt and put the debt on my credit report unverified this is violation of federal law and must be immediately removed from my credit report.
09/01/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NH 032XX	Web
Southwest Recovery Services is reporting I owe them {$1100.00}, trying to collect. I never had an account with this company. I hired XXXX XXXX to help with this situation. A letter was sent to Southwest Recovery and the letter was returned to sender. I have tried to call and no response. This is very frustrating because my identity has been stolen several times in the last 3 years.
05/09/2023	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	IL 604XX	Web
XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from southwest recovery services. Southwest recovery. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. Southwest recovery services, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
03/01/2023	Yes	Debt collection Medical debt	Communication tactics Frequent or repeated calls	AZ 85295	Web
I called the number back because of constant calls and emails and The gentleman explained the nature of the debt which I did not recognize and I tried to say once he explained the date that on my credit file it had a different day and he got nasty and hung up. Very un-professional and need them to stop calling and emailing without my approval and only send me a letter in the mail
05/20/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 90001	Web	Servicemember
I have know knowledge about this account. When I asked XXXX XXXX about proof showing this account belongs to me, it was never given. He was very rude and unprofessional. I am a victim of identity theft. I never had or use this service or know anything about it. This is negatively affecting my credit score I want this fraudulent account removed from my credit file immediately.
08/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MS 38655	Web	Servicemember
Southwest Recovery is trying to collect on 2 debits that are due to identy theft. They claim i opened a account on XX/XX/2020 and have collections for {$650.00} and {$1300.00} they have not provided me with anything when i called and told them i am a victim of identity theft. They have shown gross negligence when handling the issue. They have no provided me anything.
10/23/2020	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 Investigation took more than 30 days	TX 75019	Web
I mailed in an item to XXXX and they recorded the delivery by entering the information into their system with my name misspelled. They did not investigate the matter or abide by the FCRA regulations and provide a response within 30 days. I have called them about this and they claim that they investigated the matter but they never mailed me anything to prove this.
12/24/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 768XX	Web	Servicemember
On Friday XX/XX/18 I was called 6 times in a row ( a XXXX minute span ) On the 6th time I answered and said this is against FDCPA do not call this number again. On Monday XX/XX/18 I got a call again, I said do not call this number the lady kept saying who is XXXX and repeated to XXXX my number. She kept asking then finally said Ill be calling tomorrow and hung up.
08/23/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 76208	Web
I received a debt collection notice from Southwest Recovery Services for the amount of {$370.00} in XX/XX/2019. Upon which I sent them a letter formally disputing the debt and requesting that they verify the debt on XX/XX/2019. I haven't seen or heard from the collection company since and today, XX/XX/2019, I noticed the collection on my credit report.
08/14/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 74074	Web	Older American, Servicemember
Southwest Recovery Service posted a claim of {$140.00} for a medical bill against me but when I called them they realized their debt was with a XXXX XXXX XXXX in XXXX TX XXXX XXXX XXXX in XXXX. I asked them to remove this and they said they would. That was over 2 months ago. This derogatory is still negatively affecting my credit score. I want it fixed.
05/09/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IL 604XX	Web
XXXX, XXXX and XXXX are falsely reporting a collection on my credit report from XXXX XXXX XXXX. XXXX XXXX. services don't have a license to collect in illinois which is illegal to reach out to me and illegal to contact me and illegal to attempt to collect from me. XXXX XXXX XXXX, XXXX, and XXXX need to. be sued and shut down by attorney genreral.
07/10/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	WI 53220	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.
06/22/2021	Yes	Debt collection Medical debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Servicemember
SOUTHWEST RECOVERY SERVICES reported on XX/XX/2021 that I had unpaid balance to XXXX XXXX XXXX. This information is not true that account was paid in full on XX/XX/XXXX, 2021. XXXX XXXX XXXX agrees the account is paid in full. Now the collection agency SOUTHWEST RECOVERY SERVICES is not willing to fix this false reporting about my credit.
01/16/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CT 06811	Web
A debt ( {$1600.00} ), which i don't know where it came from, just showed up as a collection on my credit report, i'm not sure what it's for or where it came from and did not receive a letter prior to that from collection agency so i have a chance to validate and dispute the debt. Southwest Recovery Services XXXX XXXX XXXX, XXXX TX XXXX
03/24/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Called outside of 8am-9pm	AZ 85204	Web
Southwest Recovery Services called at XXXX AFTER repeatedly calling and saying the account would be turned over to their attorney by XXXX that same day. I will include a screen shot with their office number to verify they called at XXXX and when call was received, a live agent with Southwest Recovery was on the line named, " XXXX. ''
05/18/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NV 894XX	Web	Servicemember
An account was created and given to Southwest Recovery Services by a XXXX XXXX XXXX. I have no knowledge who XXXX XXXX XXXX is or why an account would be created that was never paid for. It looks like it was created in XXXX XXXX and was never paid? The first I hear of it was when the collection agency placed it on my credit report.
01/19/2024	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	GA 30030	Web
Specialized property management have unlawfully taken action against my credit for a claim that was approved and already paid to them from XXXX XXXX. I have agreed with XXXX XXXX to pay cleaning claim of a property rented. XXXX approved the claim for cleaning to XXXX of {$400.00}. Based off my documentation, pictures and videos.
05/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77340	Web	Servicemember
Southwest Recovery Services at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX has been sending me collection notices in the amount of {$2000.00} 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.
04/19/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	LA 705XX	Web
On XX/XX/2022 I sent a letter of verification of debt to Southwest XXXX. I have not received any letter verifying I owe a debt. But, they reported the old collections to XXXX as a new collections today, XX/XX/2022. This dropped my credit score and is stopping me from establishing new lines of credit and buying a house.
08/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75025	Web
Southwest recovery services has been sending letters and emails claiming that I owe them {$7700.00}. I don't owe them a dime. I have sent them letters demanding that they validate the debt and they have failed to do so. They are continuing to report this false debt the credit agencies after I have asked them not to.
07/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MN 55443	Web
I am not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Southwest Recovery Services, they did not provide me with the original contract as requested. I have contacted both XXXX and XXXX regarding this collection fraudulently filed on my credit report, they still refuse to remove this.
10/05/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not disclosed as an attempt to collect	VA 23454	Web	Servicemember
I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report.
06/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	MS 39110	Web
On XX/XX/2022 I received an email from Southwest Recovery Services attempting to collect a debt amounting to {$950.00} allegedly owed to XXXX XXXX XXXX. I am a victim of a recent identiy theft, and this is for certain is not my account, and I do not have any knowledge of such balance owed to such creditor.
12/29/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60651	Web
I have this account from southwest recovery service XXXX ..this account belong to XXXX at XXXX XXXX this account was a fraudulent account and I has supporting documents to show XXXX has remove this account from my file i have never live XXXX XXXX I ask that southwest remove this account as well thank you
11/20/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	TX 760XX	Web
Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.
01/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76549	Web
I have paid XXXX XXXX in 2016. This company is no longer in existence, and I do not owe this debt SOUTHWEST recovery services plave on my credit file. I am getting calls and debt is place on my credit report for a debt I do not owe. I have asked them to contact the company ( XXXX XXXX ) to verify this.
04/24/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 312XX	Web
OnXX/XX/XXXX I filed a complaint about southwest recovery services about a unverified collection on my credit report the company responded stated that they sent a validation letter before putting the collection on my credit file this is totally false I demand that collection is removed from my report.
06/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 783XX	Web	Servicemember
I was notified by a credit card company that keeps up with my credit score that there is a derogatory mark on my credit score. I looked and there is a {$230.00} charge and the company stated is Southwest Recovery Service. I have tried to call them several times and I am only getting a voicemail.
05/10/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	OH 44105	Web
I am disputing this debt because I do not owe it. I have never lived at the address you reported to XXXX and Because I am disputing this debt, you should not report it to the credit reporting agencies. Collection reporting on my credit file by SOUTHWEST RECOVERY SER for the amount of {$570.00}
06/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 604XX	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/21/2019	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 Problem with personal statement of dispute	TX 77581	Web	Servicemember
I am contacting the Southwest recovery systems collection on my credit report. The original debt was with XXXX and the date on this was XXXX. The debt had been illegally readded in collection and the statute of limitations has passed and this should have fallen off my credit report in XXXX.
03/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 758XX	Web
I do no know of this account appearing on my credit report. i have made contact with the company prior to this but they have not complied. The information recorded does not match my records and this has not been approved by me. The collection for southwest recovery ser is inaccurate.
05/23/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	NV 894XX	Web	Servicemember
Company filed against my personal credit report for a XXXX company debt. Previous complaint through Consumer Financial Protection Bureau was closed before an explanation on why they can ignore XXXX protection. see CFPB complaint XXXX. Further see police fraud case number XXXX.
03/20/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	VA 225XX	Web
XXXX XXXX XXXX - Says its in collections for {$2900.00}. With XXXX XXXX XXXX XXXX - Same thing - With XXXX Southwest Recoverys {$890.00} Says it is in Collections With XXXX XXXX XXXX XXXX - {$99.00} Says it is in Collections With XXXX These accouts are definitely not mine
12/07/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75089	Web
collection agency is Southwest Recovery. They told me to dispute and i did but they are saying its mine when it is not mine XXXX XXXX {$360.00} XX/XX/2023 I have never used this company i have had XXXX for over 30 years in texas I dont even know who these people are
04/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 444XX	Web	Servicemember
I did not know about that collection account southwest recovery. I never receive any phone call or latter. This account is not one of my accounts that may be opened due to identity theft. So I would like to dispute both accounts from all of the credits bureau.
07/05/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10016	Web
I noted a collection account on my annual credit report and contacted the company by mail on XX/XX/18 inquiring about this transaction. The letter was returned. I sent another letter via certified mail on XX/XX/18 and the letter was returned on XX/XX/18.
04/01/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NV 89502	Web
I 'm unaware of what debt they 're referencing - requests for written documentation have been ignored. I 'm receiving calls 3-5 times a week at my place of employment and they 've been requested and put on notice numerous times to not contact me at work.
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	MD 21801	Web
Southwest Recovery Services is reporting a debt amount of {$320.00} to XXXX, XXXX and XXXX. I have called and asked for any contract that they had to provide me with a bill. Southwest Recovery Services has yet to provide me with any proof of debt.
08/21/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 77429	Web
Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.
06/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	RI 02886	Web
I requested from this company the original debtor and all the pertinent information. I wanted the last payment date from the original debtor and any other information they have sent to me in mail. I never received anything at all from them.
02/11/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 79706	Web
I am not liable for this debt with SOUTHWESXXXX XXXX XXXX and I do not have a contract with SOUTHWEST RECOVERY SER plus they did not provide me with the original application like I asked. Account number : XXXX XXXX disputed : {$58.00}
06/28/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	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
04/03/2017	Yes	Consumer Loan Installment loan	Managing the loan or lease	TX 75150	Web
I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.
07/27/2023	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 750XX	Web
I get emails every two weeks asking me to pay for a debt for a Power Company in Texas. I've never heard of the company or lived in Texas. I have asked 3 times to be removed, per their process and they have no complied.
05/15/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	AL 35950	Web
I am receiving unwanted calls from southwest recovery ( a debt collector ). Once I discovered I have been turned over to collections, I called the original company and paid. It was a misunderstanding that got resolved.
08/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85339	Web
Southwest Recovery Services wrongfully charging me for a debt that is owe on behalf of a LLC. Southwest falsely added me to account as a guarantor. I was not made aware of this until it showed up on my credit report.
02/15/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06010	Web
I called the original creditor and was told they don't have a record of the debt. I contacted XXXX and XXXX and ask them to remove it based on the information I was told that there was no record of this debt.
12/29/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CT 06010	Web
I called the collection agency on the report and they stated they didnt have this debt in my name. I wrote both the creditor and XXXX and XXXX asking them to remove it and they keep saying the debt is mine.
10/28/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28311	Web
submitted several investigations for bureau to verify debt. Bureau continues to state information has been certified. After several request to provide proof I have not received anything verifying this debt
04/11/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	ME 045XX	Web
The debt does not belong to me. I called them back in XXXX and explained that this debt is fraudulent and does not belong to me. It was removed from my credit report, but it appeared again in XXXX of XXXX.
03/04/2018	No	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	OR 977XX	Web
called this company for several months they said they sent me a card swiped they didn't ask them to prove they sent it they didn't please take this off my credit report so I can go on with my life Please
02/17/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34953	Web
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : SOUTHWEST RECOVERY SERVICES
10/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	FL 34953	Web
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. Collection Creditor : SOUTHWEST RECOVERY SER
02/10/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AZ 852XX	Web
I got a call I owed XXXX $ dollars to insurance for a hospital visit that I never knew, or had any involvement with. I havent been to the hospital since I was very young. Records show.
11/27/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NY 10314	Web
I received a collection notice for medical work do e in XXXX texas. I have never been to the doctor or had in medical work done in XXXX, because During that time i lived in new york.
10/05/2021	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 Difficulty submitting a dispute or getting information about a dispute over the phone	CA 93705	Web
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be cause by fraud or error on credit reporting.
08/23/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	OK 73112	Web
i have never recieved any communication of debt/debt has never verfied or validated. no communication from company just improper reporting on my credit report from XXXX
11/27/2018	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75104	Web	Servicemember
The company reported an amount to the credit bureau that is not consistent with my records. It also shows two separate amount of which I do not believe I owe.
03/15/2017	Yes	Consumer Loan Title loan	Can't contact lender	MS 395XX	Web
Southwest Recovery is not licensed in the state of MS. Southwest has made repeat phone calls. Southwest is in complete violation yet they have not ceased.
03/18/2022	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 Their investigation did not fix an error on your report	MI 48073	Web
My identity was stolen. Please report accurate information. I have no knowledge of the accounts listed on the files below. It has damaged my credit.
02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76063	Web
this is only reporting on XXXX and not other reports. I didn't owe them any money this account was paid in full and shouldn't in collections.
10/07/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	CO 80015	Web
XX/XX/2021 XXXX I sent a letter asking for verification of this debt. This account was paid in full and canceled.
06/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 78752	Web
I mailed them a letter asking for legal validation of this debt on XXXX/XXXX/15. They have not responded to me.
04/13/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75232	Web
This account has not been proven to be mine, I don't know what this is. I don't want this gone from my report
06/11/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	NJ 08081	Web
Southwest Recovery Services FRADULENTLY REPORTED A ACCOUNT TO XXXX WHICH IS AFFECTING MY CREDIT
04/24/2020	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77459	Web
I have been receiving several calls from debt collector for debt that I do not owe.
03/28/2018	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	OR 977XX	Web	Servicemember
I settled this with company but it is still on my XXXX credit report
02/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 77036	Web
I dont have any business or whatsoever with the collection agency.
08/20/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 76248	Web
Wrote a check and paid debt but it is still showing as outstanding
03/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76063	Web
I paid debt and it still says collection on credit report.
09/12/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	LA 705XX	Web
I submitted disputes. I tried calling but I had no luck.
02/07/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 07208	Web

02/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Personal information incorrect	NC 27514	Web

02/01/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77459	Web	Servicemember

01/31/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75114	Web

01/29/2024	No	Debt collection Telecommunications debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web

01/26/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77479	Web

01/24/2024	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	LA 71360	Web

01/20/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30188	Web

01/17/2024	Yes	Debt collection Rental debt	False statements or representation Attempted to collect wrong amount	TX 76522	Web

01/03/2024	Yes	Debt or credit management Student loan debt relief	Unauthorized withdrawals or charges	KY 40508	Web

01/02/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76014	Web

12/29/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76227	Web

12/21/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33572	Web	Servicemember

12/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75241	Web

12/19/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt is not yours	FL 33162	Web

12/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77065	Web

12/02/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30224	Web

12/01/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77373	Web

11/24/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76247	Web

11/22/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75165	Web

11/21/2023	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33462	Web

11/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77449	Web	Older American

11/20/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 74104	Web

11/14/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	OH 43017	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Investigation took more than 30 days	NV 89183	Web

11/07/2023	No	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77007	Web

10/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 300XX	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77084	Web

10/12/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 76119	Web

10/10/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 24501	Web

09/25/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78520	Web

09/22/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NC XXXXX	Web

09/11/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 776XX	Web	Servicemember

08/28/2023	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	IL 60621	Web

08/24/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75077	Web

08/21/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32174	Web

08/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 30344	Web

08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78745	Phone

08/08/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 78223	Web

08/03/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75752	Web

08/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OH 43065	Web

07/30/2023	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	TX 77088	Web

07/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	TX 75052	Web

07/28/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ 08055	Phone	Servicemember

07/28/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76063	Web

07/27/2023	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	TX 77450	Web

07/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 92201	Web

07/09/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77089	Web

07/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 34758	Web	Servicemember

07/06/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NV 89129	Web

06/28/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75068	Web

06/23/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 79705	Web

06/21/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48068	Web

06/16/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MD 20910	Web	Servicemember

06/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 78599	Web

06/08/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	FL 33625	Web

05/25/2023	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	FL 33844	Web

05/18/2023	Yes	Debt collection Medical debt	Written notification about debt Didn't receive notice of right to dispute	TX 79915	Web	Servicemember

05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77088	Web

05/03/2023	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 76017	Web

05/03/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75126	Web

04/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77033	Web

04/14/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	AZ 85248	Web	Servicemember

04/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 44121	Web

04/01/2023	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	TX 75052	Web

03/31/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	UT 84009	Web

03/23/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75043	Web

03/20/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 79762	Web

03/12/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60653	Web

02/26/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NJ 08081	Web

02/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48038	Web	Servicemember

02/14/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75093	Web	Servicemember

02/14/2023	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	TX 77025	Web

02/10/2023	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	TX 77407	Web

02/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 34748	Web

01/05/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76020	Web

12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	AL 35674	Phone	Servicemember

12/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77026	Web

12/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 76016	Web

12/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75067	Web

12/10/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 78744	Web

12/07/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MS 38732	Web

12/06/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TN 38501	Web

11/29/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AR 72120	Web

11/25/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75243	Web

11/16/2022	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	TX 77074	Web

11/14/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	VA 23518	Web	Servicemember

11/14/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	SC 29115	Web

10/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77009	Web

10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	PA 19143	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75215	Web

09/07/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75215	Web

09/01/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	TX 75007	Phone

08/23/2022	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	TX 77077	Phone

08/16/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77014	Web

08/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77034	Web

07/06/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	AZ 85746	Web

06/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	GA 30238	Web	Servicemember

06/18/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 30349	Web

06/14/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OK 73078	Web

06/06/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75219	Web	Servicemember

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	TX 77433	Web

05/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22203	Phone

05/24/2022	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 Their investigation did not fix an error on your report	TX 75052	Phone

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77054	Web

05/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77385	Phone	Older American

05/16/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	FL 32084	Phone

05/01/2022	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	OH 44121	Web

04/27/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77530	Web

04/06/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 32893	Web	Servicemember

03/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60642	Web

03/22/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60626	Web

03/21/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 60056	Web

03/18/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	AL 36117	Web

03/18/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	TX 77084	Web

03/17/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30312	Web

03/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	MI 48221	Web

03/08/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75862	Web

03/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85743	Web

02/25/2022	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	OH 45227	Web

02/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75227	Phone

02/24/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70578	Web

02/21/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	NC 27529	Web

02/21/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	OK 73012	Web

02/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	LA 70578	Web

01/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75067	Web

01/22/2022	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

01/20/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MI 49706	Phone

01/13/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 78660	Web

01/11/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	TX 75219	Web

01/04/2022	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	TX 77429	Web

12/21/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OH 43219	Web

12/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76092	Web

12/09/2021	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	TX 76574	Web

11/18/2021	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75068	Web

11/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11356	Web

10/31/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	PA 18002	Web

10/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76119	Web

10/12/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web

10/01/2021	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	AL 36605	Web

09/29/2021	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	TX 75241	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75069	Web

09/23/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89166	Web

09/15/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 91030	Web

09/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MI 48221	Web

08/30/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38141	Web

08/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TN 38141	Web

08/25/2021	Yes	Debt collection Medical debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	TX 76103	Web

08/19/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt is not yours	MA 01522	Phone	Older American

06/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75032	Web

05/23/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 10580	Web

04/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77450	Web

02/25/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 76078	Web

02/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78006	Web

01/13/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NY 11218	Web

01/03/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	TX 76227	Web

12/11/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	WA 98444	Web

12/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	OH 43068	Web

11/30/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NY 11356	Web

11/21/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75034	Web

10/20/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 78717	Web

10/08/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 08723	Web	Servicemember

09/17/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	NY 11356	Web

07/20/2020	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	TX 76119	Web

07/20/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	KS 66030	Web

06/26/2020	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 75023	Web

06/20/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 76549	Web	Servicemember

06/19/2020	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	TX 75052	Fax

06/15/2020	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	TX 76549	Web	Servicemember

06/05/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32043	Web

05/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75052	Fax

05/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76021	Web

05/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78045	Web

02/12/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged		Phone

02/04/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 77077	Postal mail

02/04/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web

01/02/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OH 45011	Web

12/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28227	Web

11/22/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	TX 75115	Web

11/01/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OK 73012	Web

07/25/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77044	Web

04/03/2019	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	TX 75254	Web

04/02/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 78411	Phone	Older American

03/07/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32832	Referral

02/15/2019	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was paid	MI 48375	Web	Older American

11/05/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	TX 75062	Web	Servicemember

10/31/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 76108	Web

09/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77070	Web

08/30/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30310	Web

08/29/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32129	Web

08/23/2018	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	CA 93455	Web

08/12/2018	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	MN 55344	Web

07/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MT 59404	Web

06/26/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 77071	Web

06/12/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	TX 77459	Web

06/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75098	Web

06/08/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt is not yours	FL 32526	Web

06/07/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 32526	Web

06/06/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77267	Web

04/12/2018	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 77084	Web

03/20/2018	Yes	Debt collection Payday loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33032	Web

03/13/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	LA 71203	Web

02/08/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33711	Postal mail

02/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37208	Web

02/02/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32258	Referral

01/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	FL 32258	Web	Servicemember

12/01/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NV 89113	Web

11/24/2017	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CA 92801	Web

11/08/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TN 37208	Web

11/02/2017	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76060	Web	Servicemember

10/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GU 96932	Web

09/30/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77708	Web

07/23/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 77489	Web

07/18/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	OK 73068	Web

06/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 93560	Postal mail

06/09/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 93560	Postal mail

05/19/2017	Yes	Debt collection Medical debt	Communication tactics You told them to stop contacting you, but they keep trying	TX 77355	Web	Older American

05/15/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75231	Postal mail

05/04/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 75077	Postal mail

04/20/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	AR 72336	Web

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75089	Web	Servicemember

04/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 75051	Web

04/06/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75238	Web

04/04/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75238	Web

03/23/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NE 68456	Web

03/16/2017	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	OH 44515	Web	Older American

03/13/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60419	Web

01/31/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75154	Web

12/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	OR 97301	Referral

11/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 90033	Web

09/29/2016	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	OK 73162	Referral

08/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22192	Postal mail

07/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	IL 60657	Web

06/20/2016	Yes	Debt collection Payday loan	Taking/threatening an illegal action Attempted to/Collected exempt funds	FL 34473	Phone

05/08/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75216	Web

05/05/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34741	Web

03/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34741	Web

02/17/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 91709	Web

02/04/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 34772	Web

02/02/2016	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls		Phone

01/27/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	CA 92220	Phone	Older American

01/08/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85012	Web

11/20/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AZ 85711	Phone

08/31/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	FL 34473	Phone

08/25/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	FL 32716	Web

07/28/2015	Yes	Debt collection Medical	Taking/threatening an illegal action Threatened arrest/jail if do not pay	TX 75043	Web

07/10/2015	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75450	Phone

06/25/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 76033	Web	Servicemember

04/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	WI 54409	Referral

04/09/2015	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CA 93301	Web

12/22/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	TX 77067	Web

12/02/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 75068	Web

11/16/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 11758	Web

11/16/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NY 11758	Web

11/11/2014	Yes	Debt collection I do not know	Communication tactics Threatened to take legal action	OK 73162	Web

10/10/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 75228	Web

09/19/2014	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	FL 32716	Web

08/08/2014	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NV 89110	Web	Older American, Servicemember

07/11/2014	Yes	Debt collection Credit card	Disclosure verification of debt Right to dispute notice not received	CA 90292	Web

05/22/2014	Yes	Debt collection Medical	Communication tactics Frequent or repeated calls	TX 76016	Web

04/30/2014	Yes	Debt collection Medical	Communication tactics Used obscene/profane/abusive language	OK 74012	Web

03/20/2014	Yes	Debt collection Credit card	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 32238	Web

02/04/2014	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt		Phone

02/04/2014	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 97206	Web

08/20/2013	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 75051	Postal mail

07/27/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77338	Web

07/26/2013	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 77449	Web

07/23/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TX 75243	Web