Southwest Credit Systems, L.P.

2019-06-26

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
Complaint: Southwest credit services is reporting a collection account for XXXX XXXX XXXX XXXX XXXX. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Company Response: Closed with explanation

Timely Response

2019-06-25

Camden, NJ

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-06-24

Torrance, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-24

OH

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-06-21

Mccullers, NC

Incorrect information on your report

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

Account information incorrect
Company Response: Closed with explanation

Timely Response

2019-06-21

FL

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Information appeared on all 3 credit reporting companies. No information was sent to me to validate or verify this debt is actually mine. 'Also find out the collection company isn't licensed to collect in the state of florida ; therefore, I demand they immediately remove from all 3 files
Company Response: Closed with explanation

Timely Response

2019-06-21

Carmel, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: My first issue is with South West Credit Systems claiming that I owe an amount of {$88.00} for XXXX. My family and I moved out of the country XX/XX/XXXX and closed this XXXX account XX/XX/XXXX after paying a final bill of {$100.00}. Since the entire bill was paid, XXXX sent an activation code, upon our request, to have our XXXX unlocked on XX/XX/XXXX. They received an updated address from us as well at that time. We never received any final fee 's due nor did we have an open account with them after XX/XX/XXXX. I went into XXXX physically to understand what the final chargers of {$88.00} could possibly be and they were unable to provide me with any information besides showing me the bill of {$70.00} for the months of XX/XX/XXXX - XX/XX/XXXX. When I called the collections agency in regards to this amount, they were also unable to explain the details in regards to this collections. XXXX is the only credit bureau that has not removed this inaccurate collections from my credit report and refuses to do any further investigation beyond taking the word of a debt collector that can't even explain why an amount was collected. I have gone back and fourth between XXXX customer service and South West Credit Systems on who I have to speak too, to have this inaccurate collections removed. I have mailed in hard copies of the final bill I paid, the XXXX unlock code email, and the bill they allegedly state that I owe after the date I closed the account, to South West Credit Systems. My second issue is with XXXX on a collections in the amount of {$58.00} that was sent to collections by XXXX Apartment complex from XXXX, AZ. XXXX apartment never sent us the outstanding balance after we moved out XX/XX/XXXX. I did however reach out to XXXX XXXX to verify if we owed any remaining balance and how they would be able to take payment since we were already overseas. They were even contacted by our next rental property on XX/XX/XXXX in XXXX to verify what our new landlords requested and I still did not receive any type of information in regards to any fees due. When I try and dispute this through XXXX, they put me through the same process of calling the debt collectors to have this removed. When I called XXXX XXXX XXXX, they stated they have no records of a collections from XXXX apartment. This amount has also been removed through XXXX and XXXX as well. XXXX doesn't seem to change their minds regardless of having documentation to back your case up. I am not sure where to turn to at this point because I will not pay for an amount I know I do not owe. It's unfair for me to have to play a back and fourth game when the original senders of a debt no longer keep records of anything after it's sent to a debt collector, nor is it fair that they are not communicating these amounts properly before sending them off to collections. I also do find it unsettling that a debt collector and agency that submitted the debt can not explain the reasoning behind an amount allegedly owed. What tops it all off is when you are trying to dispute this over the phone, you're responded with prompted statements, making it clear that you're not even being listened too. I have always done my best to keep up with everything I owe and learning along the way since I am only XXXX years old. It seems as though credit is just a game to the ones who possess the power behind it while we as the consumers run this rat race.
Company Response: Closed with explanation

Timely Response

2019-06-21

Ridley Park, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Noticed collection account on my credit report for XXXX. This is not my account. Attempted to resolve with company, but the issue is not resolved.
Company Response: Closed with explanation

Timely Response

2019-06-18

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-06-18

Marina Del Rey, CA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-06-18

Lufkin, TX

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/19 I sent a certified letter to Southwest Credit requesting proof of debt validation. The alleged amount owed is questionable because of the dates of service listed on the bill. Southwest Credit responded to my request by sending a bill summary. On XX/XX/19 I sent a 2nd certified letter requesting additional information due to the debt collectors failure to provide me with proof of proper debt validation per FDCPA. Again, Southwest Credit sent me a bill summary. Southwest Credit is in violation of the FCRA.
Company Response: Closed with explanation

Timely Response

2019-06-17

Anaheim, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I check my credit report this past weekend and noticed I have a collection from Southwest Credit on my report. I called them first thing Monday morning to see what this was about. Per the rep its for a cable bill that I knew nothing about. I asked her why didnt I get something in the mail before they attacked my credit and was told. We are not the cable company and do not need to send you anything. I told her that she did need to send me something so that I could dispute it. She told me it will stay until I pay. This is fraud.
Company Response: Closed with explanation

Timely Response

2019-06-15

Chicago Heights, IL

Written notification about debt

Debt collection: I do not know

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

Timely Response

2019-06-13

MA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: The company SOUTHWEST CREDIT SYSTEMS, L.P never contacted me regarding the debt or gave a notice. They posted it to the credit agencies.Never received any communication from this company.The amount of XXXX dollars owed was settled with the creditor.
Company Response: Closed with explanation

Timely Response

2019-06-12

Columbia, SC

Incorrect information on your report

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

Personal information incorrect
Complaint: I spoke with South west Credit systems on the phone. XXXX XXXX the representative asked if I lived on XXXX XXXX in the past or now and I said I have never lived on XXXX XXXX. Then she asked for my date of birth, ( which I was hesitant to give to her as this is what is wrong with this entire system ) Then she called me XXXX which is not even my name and then she indicated that they would look in to the issue and she would not tell me if it would be resolved or when It would be resolved. They do not have the correct name They do not have the correct date of birth They do not have the correct address and yet they still applied bad debt to my credit report. How does this happen???? Then they tell me that they will not tell me anything about the debt, or give me any other information?????
Company Response: Closed with explanation

Timely Response

2019-06-06

Tallahassee, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-06-06

Randolph, MN

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-06-06

MA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was born in XX/XX/XXXX. XXXX states that I opened up 2 accounts under my SSN. One in XX/XX/XXXX and the other in XX/XX/XXXX. Both of the accounts were clearly opened when I was a minor and not by me. Now there is a balance from one of these accounts that is showing on my credit report in collections and I in the process of trying to get it off. This is currently effecting my job and is costing me money. XXXX states they don't have my BIRTH DATE on file BUT they have my SSN and have the audacity to send an account to collections on my credit without a birth date? How were these accounts opened? How does XXXX legally get away with letting an account be open by a minor. I don't know who opened these accounts but I am more mad at XXXX for letting this happen. I minor shouldn't worry about accounts being opened under their SSN. I couldn't even go to a PG13 movie in XX/XX/XXXX. Why was there a cable account opened?
Company Response: Closed with explanation

Timely Response

2019-06-05

San Antonio, TX

Incorrect information on your report

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

Account status incorrect
Complaint: I have contacted the company for the information to be removed from the XXXX since it was inaccurate information.
Company Response: Closed with explanation

Timely Response

2019-06-04

Kingsport, TN

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-06-03

Arsenal, PA

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

2019-06-02

Fred, VA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Closed with explanation

Timely Response

2019-05-31

Lafayette Hl, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Hi, Recently i got notification from 3 credit bureaus about a collection account on my credit report placed by XXXX XXXX XXXX which represents XXXX. When i called them on it today XX/XX/2019 they said they got the information from XXXX back in XX/XX/2019 but failed to send me any notification to dispute it, i asked if they have a record showing that a notification was sent out and they said no but they are doing so immediately. Also, i called XXXX to dispute it as i believe it was a mistake for charging me the extra month after i canceled my services through their account portal and wanted me to call to verify cancellation. they said they sent me an email requesting me to call but it must have been sent to my spam folder as that is sometimes normal. i did not read the email and it must have been deleted. Did not receive mail afterwards as they explained they normally get their money back when costumers call back again to activate new services. I think SW credit services failed to abide by the legal system when they did not allow me to verify and dispute information. This is the collection company information : SW CREDIT SYSTEMS L.P. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Thanks for the help,
Company Response: Closed with explanation

Timely Response

2019-05-30

Echelon, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: This account was opened fraudulently without my knowledge and or consent.
Company Response: Closed with explanation

Timely Response

2019-05-29

Smyrna, SC

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit Systems, LP Southwest Credit Systems, LP is reporting to XXXX Credit Bureau that I owe an invoice to A company named XXXX.I never any such company.This is hurting my credit worthiness. Southwest Credit Systems, LP refuses to remove this lie and holding my credit as ransom.I never made any such bill
Company Response: Closed with explanation

Timely Response