Southwest Credit Systems, L.P

2017-09-05

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I have attempted to get this account removed from my credit report already. The collection agency in cooperation with XXXX XXXX XXXX is now committing fraud and producing fraudulent documents to change their claimed source of the debt they claim. At first they said the debt was for unreturned equipment, now that they see I can prove that I did in fact return the equipment, they produced fraudulent past due bills, they have run into another problem, the dates of service they are claiming, are for periods when I did not own the property where they claim the service was provided. This is outright fraud being committed by XXXX XXXX XXXX and the collections agency attempting to do XXXX XXXX XXXX 's bidding.
Company Response: Closed with explanation

Timely Response

2017-09-02

Cheverly, MD

Incorrect information on your report

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

Information belongs to someone else
Complaint: I was a victim of identity theft and in turn there is an account that was fraudulently opened in my name. The account that I would like to dispute is with Southwest Credit Systems. This collection account was opened in XX/XX/XXXX - and currently has a balance of {$1100.00}. In XX/XX/XXXX, I disputed this account with XXXX XXXX and received unfavorable results. I called Southwest Credit Systems on XX/XX/XXXX in an attempt to discover what this account was for ... I was told that the original creditor is " XXXX '' and that Southwest Credit Systems removed this account from my credit report on XX/XX/XXXX. Then, I called XXXX, and they were not able to locate my name and/or an account affiliated with my name. This account is falsely and negatively being reflected on my XXXX and XXXX credit reports.
Company Response: Closed with explanation

Timely Response

2017-09-01

Oxford, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I received a letter from this company demanding a fraudulent debt. This claim was alreaduy remvoed from my credit reports beforehand after I filed it with the police.
Company Response: Closed with explanation

Timely Response

2017-08-31

Sylvania Township, OH

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Complaint: I live in XXXX, but in XX/XX/XXXX I took a temporary summer position as a XXXX and worked in XXXX, XXXX. I got cable service with XXXX XXXX. I returned to XXXX in XX/XX/XXXX. In XX/XX/XXXX, I became aware that my FICO score had dropped to XXXX. For over 30 years, it has been at least 800. I checked my credit report and found that a XXXX XXXX XXXX of XXXX XXXX had placed negative information on my report. I called them immediately. They said they were collecting a past due account for XXXX XXXX. They said I still owed a portion of my final cable bill. I asked why they had not contacted me. They claimed they had. Apparently, they were asking for a XXXX XXXX. I receive a number of calls with no caller ID. I do not answer them as I am inundated with solicitation calls despite being on the do not call list. I paid the bill in full the next day with a personal check. I called XXXX XXXX and complained. They were sympathetic but said there was nothing they could do once it went to collections. I do not know why XXXX XXXX did not contact me. I paid my by personal check the entire time and it had my home address. SouthWest was somehow able to locate me and put a negative report on my credit report, but they could not send me a letter. I think this is grossly unfair!! I want my XXXX FICO score back asap. It is my understanding that negative reports will remain on your credit report for seven years. This is not fair!!
Company Response: Closed with explanation

Timely Response

2017-08-31

Austell, GA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Southwest Credit Account # XXXX XXXX {$860.00} I keep receiving collection notices from Southwest Credit and I have responded to them in writing letting them know that I do not owe this debt and I have never done business with them or their original creditor XXXX. They have ignored my written response and continue calling me and trying to collect the debt. They have the unverified items listed on my credit report in violation of the Federal law. I have requested validation of this alleged account but all I get is a bill as a validation. I have asked them to provide me with a copy of a contract with my signature obligating me to this debt but they have not been able to do so. This debt has been in dispute since XXXX 2017 which is more than the 30 day dispute period outlined in the FDCPA. I am fully aware of my rights under the Fair Debt Collection Practices Act and will not hesitate to take all legal steps necessary to protect myself. Again I am disputing this debt and I am keeping accurate records of all correspondence including tape recording all phone calls.
Company Response: Closed with explanation

Timely Response

2017-08-30

Skipperville, AL

Attempts to collect debt not owed

Debt collection: Other debt

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

Timely Response

2017-08-29

MN

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I discovered several accounts had been opened in my name with out my knowledge or consent. This XXXX in particular was with XXXX, I contacted them immediately through their online chat feature on or around XX/XX/XXXX and explained it was not my account, it was opened by my XXXX XXXX. They continued to try and keep the account active, and they stated it was paid in full and the XXXX month contract had been long since met, but would not give me exact dates. They also stated that I owed no monies & I said of course I do n't as I never opened the account, this is fraud and Identity Theft. Finally the CSR stated that it was indeed identity theft and services would be stopped immediately. Much to my surprise less then a week ago aroundXX/XX/XXXX, a collection account showed up on my credit report for XXXX by a debt collection company in the amount of {$300.00}. I was never contacted by mail or phone. This is the only bad debt or derogatory remark on any of my reports. It needs to be removed. Please help me, this truly is not my account. I believe this could be a mistake, but I also believe the credit collection agency did n't contact me at all because they know its fraud/identity theft and this is a way to bully me into paying for something that is not my responsibility. Here is the Collection agency info and how it appears on my credit report. Creditor Name SW CREDIT SYSTEMS L.P. Account No. XXXX Original Creditor XXXX XXXX XXXX Individual Condition Derogatory Original Balance XXXX Balance XXXX Date Opened XX/XX/XXXX Date ReportedXX/XX/XXXX Remarks Placed for collection
Company Response: Closed with explanation

Timely Response

2017-08-26

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: Southwest Credit Systems is reporting an account that had been removed from their files. Last year, this account was deleted from all three credit reporting agencies for inaccuracies. Once an account is deleted for cause, it can not be reinserted.
Company Response: Closed with explanation

Timely Response

2017-08-26

Vallejo, CA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Company Response: Closed with explanation

Timely Response

2017-08-24

Coconut Creek, FL

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

2017-08-24

NC

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This collection agency is reporting an alleged debt to XXXX XXXX XXXX to the credit bureaus, however the collection agency is not licensed to collect debts in NC. They are illegally attempting to collect a debt and I dont owe the balance they are reporting.
Company Response: Closed with explanation

Timely Response

2017-08-24

Grosse Ile, MI

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Closed with explanation

Timely Response

2017-08-22

FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I reached out to south west requesting validation in XX/XX/XXXX. They did not provide proper documentaion. In their response they stated they did not have to provide a contract. Per fcra anything other than a dated signed contract does not validate a debt. I responded with another request for validation and they did not respond back with requested items or to delete account from all reporting credit reporting agencies and to cease all debt collection tactics until this matter is handled
Company Response: Closed with explanation

Timely Response

2017-08-22

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I 've suspected for this theft is now XXXX and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact. My official complaint is against SWC / Southwest Credit SYstems
Company Response: Closed with explanation

Timely Response

2017-08-22

San Antonio, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I am the victim of a Debt Collector, SOUTHWEST CREDIT SYSTEMS, L.P., who is trying to shake me down on behalf of XXXX XXXX XXXX, who claims I did not return XXXX equipment. I have however returned the equipment in question exactly as I was told to do by taking it to the XXXX store and giving them my information. I received a receipt and was told I was all set. However I have now a record on my credit report saying I have the XXXX XXXX XXXX account in collections because I did not return the equipment in the amount of {$480.00} USD. I do not owe this however because I returned the equipment and have paid all bills to XXXX XXXX XXXX.
Company Response: Closed with explanation

Timely Response

2017-08-22

Lafayette Hl, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: the was received on X/XX/2017. I am disputing this amount in FULL. remove my name and alleged debt from your files. it was already addressed and resolved in previous years. thank you. XXXX XXXX XXXX attached document.
Company Response: Closed with explanation

Timely Response

2017-08-21

MO

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: I have a derogatory account on my XXXX XXXX report placed there by southwest Credit systems ( SW CRDT SYS ). The account came from XXXX XXXX XXXX Some one a place called XXXX purchased XXXX worth of either equipment or services from them and used my information. If you search my residential records you will find I never lived in the city or state in which this took, in fact I have never even been there. Following is a copy of what is on my credit report I have contacted XXXX XXXX XXXX who said they would investigate Southwest Credit swears it 's my account, XXXX XXXX does nothing. I really feel violated by the abuse of these large companies who can at will mess up our lives. I think it unconstitutional be able to publicly falsely destroy my pursuit of happiness. SW CRDT SYS Reported on XX/XX/XXXX {$4300.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it 's going to stay on your credit report. You might notice some changes to your account info though ; it 's been updated to reflect recent activity. Dispute Reason Accuracy : This record contains multiple inaccuracies. Please verify the accuracy of all data. Dispute Results From XXXX XXXX received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. If you 're not satisfied with these results you can go to XXXX 's site and submit a Request for Investigation. You 'll be able to attach supporting documents to your dispute and ask XXXX to add an explanatory statement to your credit report. Want to take it offline? You can print the Request for Investigation form and mail it to the address below. If you have specific questions regarding your dispute request or need to submit additional information or an updated address, please contact XXXX using the address shown below. When contacting XXXX, provide your current file number : XXXX. Mail : XXXX Dispute XXXX. XXXX XXXX XXXX, PA XXXX XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays
Company Response: Closed with explanation

Timely Response

2017-08-21

Sunnyvale, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2017-08-20

Mem, TN

Written notification about debt

Debt collection: Other debt

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

Timely Response

2017-08-19

Flushing, NY

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

2017-08-18

Atlanta, GA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.
Company Response: Closed with explanation

Timely Response

2017-08-17

PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX has reported on multiple Credit reports that I have an account Opened XX/XX/XXXX of {$500.00} I have not had XXXX in over 6 years! I have attempeted to contact them by mail with no responce. I have filed disputes with the CRA and have had this removed before as the Date they have posted now is different then the dates they had on it before it was removed and now they are adding it back and claiming I owe them money. They have also reported a charge of {$280.00} Claiming to be Opened XX/XX/XXXX. Which is not possible as I was not in the state at that time! I was in Ohio working for a XXXX XXXX! I have tried to solve this matter with them and they still ignore me. This is the last straw for this! If this is not removed from all agencies i will have no choice but to file a Lawsuit against Both SWC and XXXX for The damages it is causing.
Company Response: Closed with explanation

Timely Response

2017-08-16

Federal Way, WA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: southwest credit system, L.P. has been contacting me to collect a debt from the original creditor XXXX, this is a fraudulent account i have never had a XXXX account i have disputed this twice, the first time they say the account came back as mines but did n't report me any proof of the validation of this account, i then disputed a second time only to receive a negative on the dispute status, i never signed a contract with XXXX, and i never signed anything to pay southwest credit system debt
Company Response: Closed with explanation

Timely Response

2017-08-16

Madison, WI

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

2017-08-16

Jersey City, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: SW Credit Systems is stating that I owe a debt from XXXX XXXX XXXX of which I do not have any knowledge of. XXXX recently decided to remove this negative tradeline from my report while XXXX and XXXX is still reporting this unverified debt. I have disputed this debt with the credit reporting agencies on numerous occasions but have only received the generic " Meet FCRA requirements. '' statement which is n't sufficient. The credit reporting agencies are reporting a debt that is not mine and ca n't be verified. Federal Law requires that the credit reporting agencies provide mechanisms to ensure that the disputed debt actually belongs to me and I am asking for any original documentation with my signature giving consent of service and the mechanisms that XXXX and XXXX have used to determine that this debt actually belongs to me. This false and inaccurate debt has been moved around through different collection agencies over the past year and half. This debt was first reported by ( XXXX ) XXXX XXXX XXXX and was removed from my report in XX/XX/XXXX by all of the 3 major credit reporting agencies ( Please see the attached document that XXXX sent me showing that they 've ceased all collection activities regarding this debt ). SW Credit Systems is now the collection agency that 's reporting this debt to the bureaus and without verifying that this debt is accurate, XXXX and XXXX is once again, refusing to do their due diligence and has decided to report this unverified debt to my tradeline although I have once again disputed this debt on numerous occasions over the past few months. Also, the address listed for this debt during service is not and has never been mine. Please see the attached documents that will show my W-2 documents from XX/XX/XXXX and XX/XX/XXXX that lists my proper address.
Company Response: Closed with explanation

Timely Response