Southwest Credit Systems, L.P.

2019-05-28

Yeagertown, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Southwest credit systems has furnished information on credit file regarding XXXX bill. Made contact with XXXX and company unaware of debt. In addition requesting signature for contract. This company has furnished, unfurnished, furnished on credit file. This is unacceptable and a violation according to FCRA.
Company Response: Closed with explanation

Timely Response

2019-05-26

Yeagertown, PA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: Reviewing credit report Southwest credit systems have placed an collections on credit file. Request written verification via certified mail. Company failed to comply according to FCRA guidelines.
Company Response: Closed with explanation

Timely Response

2019-05-23

District Heights, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-22

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I am being harassed by Southwest Credit. I do not know why they are contacting me but I have asked them all to cease immediately. I have no outstanding balance to XXXX and have already supplied them the information for it. I was contacted by XXXX, XXXX on XXXX and disputed it with them and then supplied the following information and they closed it. Then on XXXX, I was contacted by XXXX XXXX and supplied them the same information and they closed it out. Then on XXXX, I was contacted by XXXX XXXX ( Collections ) and supplied them the same information via their website and they closed it out. Then on XXXX I responded to XXXX XXXX Online via their website with the same information given to the previous three companies. A couple weeks later I received another debt collection letter from XXXX again for same debt that I do not owe. I filed with you, and a dispute with them and it was dropped the next week. Today, XXXX, I receive a letter from Southwest Credit for the same debt, even though I have been called by them 3+ times a day for over a week and I have already told them I have no debt and to PLEASE CEASE! They have no formal dispute on their website so I filed one through their Feedback portal and informed them I was filing a complaint with you. I have all the previous letters and am not wasting my time going back over the same information I have with the previous four ( 5 ) collections companies when they are the sixth company pursuing a false claim. The mistake was on XXXX 's part and not mine. I was with them for ~23 years or so and had no contract. They acknowledged this in XXXX when I escalated it to a manager and was told then I had no debt and did not own anything because I was not under contract and had not been for many many years ... ..
Company Response: Closed with explanation

Timely Response

2019-05-21

Fort Mill, SC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-21

NJ

Incorrect information on your report

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

Information belongs to someone else
Complaint: A derogatory report was placed on my credit report from a company XXXX XXXX with no account number or any information in amount of XXXX which is not an account that belongs to me. I t is not mine. Tried to dispute on XXXX but they require account information to include who is reporting and an account number. I do not have thus information How can anyone be allowed to do this and I am asking this be removed from my report and the company that did this to me to include name and their backup do that I can pursue further action Had it not been for XXXX XXXX I would not have known this do I have to believe they are doing the same type of thing to other unsuspecting people. They need to face consequences for such action I have faith that XXXX XXXX will take care of this and help me resolve it and cause my credit score to go back up where it should be XXXX XXXX is a great service. Thank you XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-05-20

Yeagertown, PA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: Made several attempts to fix this situation. SW Credit Systems continue to place an derogatory remarks on credit report. I have no idea where this debt occurred. Made several attempts to request contracts and company failed to comply within 30 days according FCRA.
Company Response: Closed with explanation

Timely Response

2019-05-17

Boston, MA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Closed with explanation

Timely Response

2019-05-16

Rockville, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-16

Austin, TX

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2019-05-16

Brentwood, PA

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-05-15

Fort Washington, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-05-15

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: The following accounts were added to my credit report fraudulently and I've never given consent to even run my credit. I need these accounts removed immediately. 1 ) XXXX XXXX ( XXXX XXXX ) {$1100.00} 2 ) SW CREDIT SYSTEMS L.P ( XXXX )
Company Response: Closed with explanation

Timely Response

2019-05-14

Fort Collins, CO

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Closed with explanation

Timely Response

2019-05-13

Highland, CA

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

2019-05-12

Allentown, PA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-05-09

Town Center, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-05-07

Wallington, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was a customer of XXXX on a month to month basis and when I moved and cancelled my service I was charged {$140.00} for contract termination. I did not have a contract and did not sign any document stating as such. XXXX has reported the debt as delinquent and sent to a collection agency. I am not paying for a cancellation fee for a contract I never signed or had.
Company Response: Closed with explanation

Timely Response

2019-05-03

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

2019-05-02

Marlboro, MD

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

2019-05-02

Marlboro, MD

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

2019-05-01

Richmond, VA

Incorrect information on your report

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

Information belongs to someone else
Company Response: Closed with explanation

Timely Response

2019-05-01

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: There requesting {$510.00} beginning XX/XX/XXXX. Name of company SOUTHWEST CREDIT SYSTEMS, L.P. My social security number obviously has been compromised because a company is coming up on my credit report about a XXXX account that I don't owned and I haven't never owned residing at the address I have been residing in since XXXX. I'm not sure where this new profound account is coming from all of a sudden claiming it was since XX/XX/XXXX. This is the second pop up account appearing on my credit report and it isn't mine. I already have fraud alert and anything I can get to freeze my credit because of someone using my social security number. This has been happening for the last fifteen years. I have been fighting about my social security number and someone having my information. Clearly these people are not speaking on anything I have had because I have proof the last internet service I had was XXXX. I don't own internet since XX/XX/XXXX with XXXX canceling my account and not having any issues but, what they have previously corrected on there end. So this is definitely a fraudulent account.
Company Response: Closed with explanation

Timely Response

2019-05-01

Beaumont, TX

Communication tactics

Debt collection: I do not know

You told them to stop contacting you, but they keep trying
Complaint: This company has called me repeatedly using different lines and will not disclose what the phone call is about. They are asking me to verify information from 10 plus years ago and I am not comfortable giving out personal information to people or companies that I do not have any knowledge of. I have repeatedly ask them to specify why they are calling and they have refused. I have also asked each caller to stop contacting me immediately. My requests have been ignored and the contact phone calls have increased. This is now affecting my employment. The repeated calls have been noticed and remarked on my by employer.
Company Response: Closed with explanation

Timely Response

2019-04-29

Blackbird, DE

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

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Complaint: On XX/XX/XXXX. A call was placed to XXXX in reference to disputing XXXX XXXX XXXX XXXX on my report. I was given a series of security questions to verify my identity in order to begin the process.I was told I needed to send or fax in my drivers liscence, social security card and addresss.Once they received these documents the request could be processed.A follow up call was placed on XX/XX/XXXX XXXX to see if the documents were received. I was then asked a series of security questions to verify my Identity. One of the questions I didn't answer correctly based on not knowing what information they have accurately reported. I was then told I could not receive any information on my report at that time.I have received two confirmed letters from XXXX neither confirms the inquiry about the XXXX XXXX XXXX XXXX. I have not also been able open up an investigation to Southwest Credit Ststems, L.P who I believe has reaged XXXX account debt being reported on my report. The company is reporting the acoount was opened XX/XX/XXXX XXXX. However my last bills show XXXX.I aquired XXXX in XXXX.
Company Response: Closed with explanation

Timely Response