Southwest Credit Systems, L.P.

2019-02-26

Richmond, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-02-24

Wallington, NJ

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: I filed a dispute with XXXX advising that an item should not be on my report. The next day I received a message advising that the Collection agency said it was valid. Then my score dropped two points for the same item. It had already dropped two points within the same month. I called the creditor who confirmed the error. I called XXXX three times with no success
Company Response: Closed with explanation

Timely Response

2019-02-20

San Antonio, TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: Today, XX/XX/2019, I received a call from Southwest Credit Systems. This is the second call I have received after I have asked them to provide a validation of debt to my mailing address. I received a call XX/XX/2019 and let the representative of Southwest Credit to no longer call my cellular phone since I have that right under credit protection laws. Well I received another phone call, and since all calls are recorded they should be able to pull up all of my phone calls with them. I again asked to please send me a validation of debt to my address and hung up. Less than 2 minutes later XXXX XXXX from Southwest Credit called a friend of mine on his cell phone. 1 ) credit companies are not allowed to call another person and ask if they know the person they are trying to get in touch with. Especially since I just spoke with them When they called me. If I am not mistaken each call is {$1500.00} when they do not have permission to call. I will be expecting my check. Ok so back to the claim. This was removed from my credit as they could not prove I owed the bill. Secondly look at the attached photos of my credit report where I disputed this claim and it was removed. Also they have not provided who the original debt was owed to. If they will do the following I will happily entertain their notion I owe them. I have repeatedly tried to fix this problem with Southwest Credit. I know my rights and this account has not been investigated nor validated. I asked for cease and desist also, I asked for an investigation for this account requesting : To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. cc Federal Trade Commission I have not received none of the information I requested.
Company Response: Closed with explanation

Timely Response

2019-02-20

Austin, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: XX/XX/XXXX -- Contacted XXXX. Spoke with a rep who acknowledged the error and said he would take care of the issue. He never called back XX/XX/XXXX -- Contacted XXXX again. No assistance. Contacted the Corporate Office and was advised by Rep that the information should not been reported to the Credit Bureau since the entire amount was in error as XXXX continued billing me through XX/XX/XXXX even though I terminated services on XX/XX/XXXX when I moved to another state, I was told someone would call me in the evening, but I did not hear from anyone. I also contacted Southwest Credit Collections and spoke with a rep. She stated she could do nothing until she hears from XXXX. She stated she had not been contacted by XXXX so that the information could be removed from my Credit reports.
Company Response: Closed with explanation

Timely Response

2019-02-18

Tucson, AZ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: XXXX in XXXX, Az, erroneously sicced Southwest Credit Systems on us for a nonexistent amount owed. XXXX has conceded three times on the phone that the " debt '' is a mistake and that I am owed a small balance. Despite this and despite attempts to get Southwest Credit to leave us alone, reps of the collection agency call us just about every day, sometimes multiple times, except on Sundays. Southwest Credit also refuses to discuss the matter unless I provide personal information that I am unwilling to divulge over the phone in this age of identity theft. Southwest Credit is a rapacious, annoying and unreasonable collection agency that must stop its practices toward me.
Company Response: Closed with explanation

Timely Response

2019-02-15

Hinkley, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Old information reappears or never goes away
Company Response: Closed with explanation

Timely Response

2019-02-15

Stkn, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-02-13

Laredo, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Closed with explanation

Timely Response

2019-02-13

So Effingham, NH

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2019-02-12

Newark, NJ

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: constantly calling and I do not owe them anything. They are calling my wireless number, which by law, they are not supposed to without my authorization which I never gave them. I don't khnow who they are, and won't give personal information to any random company that contacts me.
Company Response: Closed with explanation

Timely Response

2019-02-12

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Closed with explanation

Timely Response

2019-02-10

Laredo, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-02-10

Bryn Mawr, WA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-02-07

VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: on my credit report southwest credit systems ls is saying i owe XXXX XXXX and XXXX is charging me early termination fees and i gave all the eqiupmentand the security cameras a early termation fee too. i canceled XXXX they were over charging me and im shouldnt have to pay this kind of money that i dont have and it has been 3 yrs and its not fair i would like them to remove from my credit report i cant get any type of credit or anything and uit has been yrs.it was last reported XX/XX/XXXX and they have it on my credit report is XX/XX/XXXX. i called them 2 times and they are very nasty with me so i won't deal with that company so i asking u for help im tired of fighting with this company because they are nasty and i even went to XXXX and got no where with them please see what can be done i would like it closed and removed it is not an open account southwest systems just want money and they never in years contacted me ever
Company Response: Closed with explanation

Timely Response

2019-02-05

Cheverly, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit System is reporting a debt that is in collections. I have reached out to this company numerous times, but the number listed is not in service. I am not aware of this debt or where it originated from.
Company Response: Closed with explanation

Timely Response

2019-02-05

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-02-05

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Company Response: Closed with explanation

Timely Response

2019-01-31

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-01-31

Three Bridges, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: On XX/XX/XXXX I received an Alert from my credit reporting MYFICO that a New Collection was added to my credit file. I had made a previous complaint BUT may had listed the incorrect collection agency. On XX/XX/XXXX I had placed a complaint with CFPB # XXXX and had placed the complaint against Southwest Collection. This may be the wrong company. I was not aware that there is similar collection company names. The correct name I am complaining about is Southwest Credit System is Texas. My complaint is that Southwest Credit Systems have reported to all three credit bureaus of a new unpaid debt from XXXX of XXXX. This negative and inaccurate reporting has damaged my credit lowering my scores. The XXXX account is XXXX. I contacted XXXX and spoke to XXXX. He checked the account and could not find any history because it has been fully closed since XX/XX/XXXX. The account was fully paid and closed. Southwest Credit System claims account opened on Now XX/XX/XXXX. This is false and inaccurate. I never had opened any accounts from XXXX on XX/XX/XXXX. I called Southwest Credit Systems but they refuse to give me further information on how they came about with this debt.This has hurt my credit file and now i am unable to purchase a home in the spring season.
Company Response: Closed with explanation

Timely Response

2019-01-31

Washington, DC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-01-30

Charlotte, NC

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-30

East Troy, WI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2019-01-30

Three Bridges, NJ

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Today XX/XX/XXXX XXXX XXXX XXXX reported to credit bureaus that I opened an account on XX/XX/XXXX. In reality this was an Old XXXX account that has been closed since XXXX. Today I contacted XXXX and spoke to XXXX. He checked this account XXXX and stated account has been fully closed since XXXX, no history nor amount nor any remarks on this account. Paid in full. I asked Southwest why are they reporting this XXXX old account as a new Collection but a reason was not given. This has damaged my good credit scores. Now I can not purchase a home.
Company Response: Closed with explanation

Timely Response

2019-01-30

El Paso, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: SOUTHWEST CREDIT SYSTEMS Has reached a debt I originally had with XXXX in XX/XX/XXXX by dropping it from my credit report and reopening in XX/XX/XXXX to make it look like it was just opened. This has had a drastic impact on my credit report. I have also asked for written documentation since I do not agree with amount. Even after a disputes, they continue to report it as new debt. I am more than willing to pay with proper documentation and with fixing the proper dates. Im imvestigating on-line, they are well know for reaging collection accounts.
Company Response: Closed with explanation

Timely Response

2019-01-28

East Rockaway, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: inquiries : XXXX -date FRAUDULENT ACCOUNTS ; -XXXX XXXX XXXX -DATE XX/XX/XXXX -AMOUNT XXXX ACCOUNT #XXXX -XXXX XXXX XXXX XXXX -DATE OPENED XX/XX/XXXX -AMOUNT {$340.00} -ACCOUNT -- XXXX ( ORIGINAL CREDITOR IS XXXX ) AMOUNT {$850.00} -ACCOUNT #XXXX
Company Response: Closed with explanation

Timely Response