Southwest Credit Systems, L.P.

2019-04-28

El Paso, TX

False statements or representation

Debt collection: Other debt

Indicated you were committing crime by not paying debt
Company Response: Closed with explanation

Timely Response

2019-04-26

Washington, DC

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

2019-04-26

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: Police report and FTC report completed on ID theft for this account. XXXX FL PD Case # XXXX, XXXX XXXX, Badge ID # XXXX and FTC case # XXXX. This account is not mine and is from ID theft. I never had XXXX and have been with my current cell provider for 10 years. This collection company is reporting this account opened XX/XX/XXXX and when I called XXXX they said the account is over 7 years old. So this collection company changed the date in order to try and collect a very old account which is in violation of the Fair debt collection act.
Company Response: Closed with explanation

Timely Response

2019-04-24

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-19

Santa Monica, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-04-19

Winton, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: The called me XX/XX/19 telling me my file was on there desk and if I didnt respond they would be servicing me at my work. They never sent a validation letter until XX/XX/19. And when I asked the girl for one she told me she didnt have to send one because her clients already did. They called me multiple times with out sending the validation letter acting very rude.
Company Response: Closed with explanation

Timely Response

2019-04-18

Fountainville, PA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I have never heard of SW CREDIT SYSTEMS until today when I checked my 3 credit reports. Back in XXXX, this company listed a new collection account not once, but TWICE, days apart on my credit reports. Major hit. I dont know this company or this {$250.00} that is attempting to be collected from me. Sounds like a huge scam.
Company Response: Closed with explanation

Timely Response

2019-04-17

Clayton, MO

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: They couldn't find my right address nor social security number nor my date of birth
Company Response: Closed with explanation

Timely Response

2019-04-16

Belleville, NJ

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

2019-04-13

Euless, TX

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

2019-04-13

Indianapolis, IN

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2019-04-12

Stafford, VA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX has sold a debt of {$770.00} to SW CREDIT SYSTEMS L.P. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The debt or bill is not accurate. I have reached out to XXXX for a breakdown of the debt or bill but they said they don't have the breakdown in their system. I disputed it on my credit report, it was removed and they have put it back again. I went to one of their branches and also called their customer service line for the breakdown of the bill but as I said they told me they don't have the breakdown. How can I own you if you don't know what the bill entails? I want XXXX to desist from selling this debt or bill to these collecting agencies if they can't provide me with details of the bill. Also I want it removed from my credit report.
Company Response: Closed with explanation

Timely Response

2019-04-12

Foothill Ranch, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I never received a mail notice that I could dispute the debt of {$67.00}. The original creditor is XXXX XXXX XXXX. I received a phone call about the debt from SW Credit Systems L.P. and I told the agency I would like to verify the debt as I did not believe I owed the debt and I never received any notice about the debt prior to the phone call. Then I sent the agency a letter requesting verification of the debt. But I never received the verification. I checked on my credit history and they have reported it to XXXX. The agency is : SW CREDIT SYSTEMS L.P. XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Closed with explanation

Timely Response

2019-04-11

Irvine, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-04-05

Lexington, KY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: In the summer ( XXXX? ) of XXXX I started the process to switch my home Internet/phone provider to XXXX XXXX XXXX XXXX. Their pre-installation service was poor, the first two days of the service were even worse. I immediately terminated the service ( less than 48 hours in service ) and switched back to the previous carrier, XXXX. I argued with XXXX that they were not right in attempting to charge me for a month 's service fee when that service was a ) completely unsatisfactory, and b ) provided for only two days. They stopped communicating with me after about two months of my receiving bills and calling them. Apparently, they then sent my file to collections with Southwest Credit Systems , L.P . I only just yesterday ( XX/XX/XXXX ) found out about this outstanding " debt '' while checking my credit report due to an unexpectedly low credit score.
Company Response: Closed with explanation

Timely Response

2019-04-05

OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: Sw credit sys, XXXX XXXX XXXX suite XXXX, XXXX tx XXXX, XXXX XXXX XXXX XXXX Contacted them to obtain information from a XXXX bill back in XXXX. They cant give me an itemized bill for what I owe. They keep bouncing me around to multiple people with no resolution I also contacted XXXX, XXXX. XXXX XXXX, XXXX Florida XXXX, XXXX about an att wireline from XXXX he refused to discuss or disclose just said they will mail it out and told me have a nice day.
Company Response: Closed with explanation

Timely Response

2019-04-02

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-04-02

Arco, CA

Communication tactics

Debt collection: I do not know

Used obscene, profane, or other abusive language
Complaint: I've tried to fix this more then once but the telemarketer uses offensive words and will not help fix this problem on my report.
Company Response: Closed with explanation

Timely Response

2019-04-02

Nyc, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit Collections XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Toll Free : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This company contacted me through mail on behalf of XXXX XXXX XXXX and stated that I owed total amount due XXXX. I sent Southwest Credit a dispute letter on XX/XX/2019 to have this item removed from their data base and deleted as it relates to me, as I did not assertain this account or benefit from this account.
Company Response: Closed with explanation

Timely Response

2019-04-01

N Haven, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-03-30

Detroit, MI

Written notification about debt

Debt collection: Other debt

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

Timely Response

2019-03-29

Detroit, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: On XX/XX/2019 I sent a certified letter requesting that SW Credit Systems L.P. validate a said debt. They did not senders me any of the documents I requested for validation of the said debt. I did not request them To verify the debt they are attempting to collect from me. I specifically asked them for a signed agreement and other supporting documentation. They only provided me with a billing statement which isnt validation and does not prove that that Im am obligated to pay SW Credit Systems L.P. anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted and removed.
Company Response: Closed with explanation

Timely Response

2019-03-29

Phila, PA

Improper use of your report

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

Reporting company used your report improperly
Company Response: Closed with explanation

Timely Response

2019-03-26

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: XX/XX/XXXX paid settlement of XXXX was paid.l was told from XXXX XXXX XXXX who's is the initial reportng company that it wpuld be taken off. Payment for deletion was the agreement in good faith. It has been 7yrs and it is still on my credit report. I did a dispute XX/XX/XXXX i was updated but not deleted off my report. My report number on this account and also on another XXXX XXXX account is XXXX. The 2nd XXXX XXXX account on my credit report that needs to be deleted is XXXX the same situation but that says it will remain I put in a dispute and it said remain I am now reaching out to you to help remove it pay for deletion.
Company Response: Closed with explanation

Timely Response

2019-03-26

Darnestown, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX referred the bill owed to Southwest Credit Systems ( SWC ) for collections. On XX/XX/XXXX, SWC offered to settle the entire account for {$390.00}, which was paid. SWC did not advise XXXX that they made a settlement offer to compromise the amount owed. As a result the account continued to be referred to subsequent collections agencies who have attempted to collect last year ( XXXX ) and again this year ( XXXX ). XXXX has now directed that collection efforts cease but they contend there is still an amount owed of {$340.00}.
Company Response: Closed with explanation

Timely Response