Southwest Credit Systems, L.P

2017-04-08

Manchester, CT

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-08

Stkn, CA

Incorrect information on credit report

Credit reporting:

Information is not mine
Complaint: I filed a complaint against southwest credit systems LP
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I began reviewing my credit report for inaccuracies in XX/XX/XXXX. A collection company, Southwest Credit Systems collecting on behalf of XXXX, is listed on my XXXX credit report. I have never done business with Southwest Credit Systems or XXXX. I requested a copy of the signed contract to prove whether I owe this debt to Southwest Credit Systems or XXXX on numerous occassions. I was given several copies of a printed invoice from Southwest Credit Systems, however, this invoice did not include my legal name. On XX/XX/XXXX, I received a letter from XXXX stating in order for XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XX/XX/XXXX, I requested from XXXX a copy of the contract that I signed to prove I owe XXXX for this account. On XX/XX/XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of this contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX, XXXX and XXXX of XXXX, this is reporting to my credit report as bad debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-07

N Haven, CT

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This company mailed me charges from another company who claims I owe an alleged debt that I do not. I do not have a contract or any legal binding documents with this company in which I asked for and they have not provided. I am not paying for something I do n't owe.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-07

Newnan, GA

Credit reporting company's investigation

Credit reporting:

Problem with statement of dispute
Complaint: I began reviewing my XXXX credit report for inaccuracies in XXXX. Listed on this report is a collection company, Southwest Credit Systems, collecting on behalf of XXXX XXXX XXXX XXXX. I have never done business with either company. I requested a copy of the signed contract from Southwest Credit Systems to prove whether I owe this debt to this company or XXXX XXXX XXXX XXXX on numerous occasions. I was given several copies of a printed invoice, however, this invoice did not include my legal name. I also sent several requests to XXXX to either provide the validated information of me owing this debt or remove this debt from my credit report. XXXX has not provided any information to me that this is a valid debt. On XXXX XXXX, XXXX, I received a letter from XXXX XXXX XXXX stating in order for XXXX XXXX XXXX XXXX to investigate my account for fraud, I am " REQUIRED '' to file a police report before any investigation could move further. On XXXX XXXX, XXXX, I requested from XXXX XXXX a copy of the contract that I signed to prove I owe XXXX XXXX XXXX XXXX for this account. On XXXX XXXX, XXXX, I received via email a copy of the contract from XXXX XXXX XXXX. Upon review of the " signed '' contract, not only does this contract not have my name or signature, my social security number is not listed on this contract. Underneath the signature is the name " XXXX XXXX ''. I am assuming this is the individual who foraged a signature in order to generate a sale. I have never accepted or received a copy of contract. If this contract were tied to my social security number, it would contain my legal name and signature. Because of this fraudulent information from XXXX XXXX, XXXX XXXX and XXXX XXXX, this is reporting to my credit report as bad debt.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Newnan, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: XXXX XX/XX/2016 XXXX, TX XXXX XXXX affecting my credit ssomething that was paid over more than a year an half. i want it removed of my credit not open removed.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-06

Orange, MA

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-05

Margate, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Jersey City, NJ

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: Collection agency south west credit systems has never received any payments by me. I called their customer service representative to ask for proof of payment by me to them and she told me I should have my own proof of payment. I have only ever made payments to XXXX never to any collection agency. They continue to refuse to remove it from my credit report.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-04

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I contacted XXXX on multiple occasions to resolve this issue that they sold an account with my name and social to a debt recovery agency and the account was never mines to begin with. I have had XXXX service for the last six years. My identity was stolen some years ago and multiple accounts were opened under my name i.e. Credit cards and and phone services. All the companies resolved the issues by removing the accounts and erasing the fraudulent accounts. XXXX however continues to tell me this debt is mine and wo n't remove it.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-04-04

Washington, DC

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: On XXXX XXXX, 2017 I received a notice from Southwest Credit that I owed XXXX {$220.00}. Two things are wrong about this : 1 ) I have never had an account with XXXX 2 ) My name is spelled wrong on the letter that was sent to my house.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Yuma, AZ

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Company Response: Closed with explanation

Disputed: No Timely Response

2017-04-03

Airmont, NY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Tampa Palms, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-31

Hinesville, GA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Called after sent written cease of comm
Complaint: Southwest Credit Systems, L.P. has continued to call my place of employment and cellular phone a week after receiving a certified " cease and desist '' letter for a debt. Majority of the calls are coming to my desk phone at work at least 4-5 times daily and then my cell at least phone 2-3 times daily with numerous messages which I have saved as evidence. The phone calls were sometimes back to back and very annoying as I was working and or at home. I advised the company in writing the debt is under dispute and will contact them regarding the debt after I research the balance, but to no longer contact me via phone.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Durham, NC

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: XXXX has tried to extort monies from me not owed and has attempted to negatively impact my credit rating in the process. I received a written demand for alleged monies owed from a collection agency ( Southwest Credit ) for monies " owed '' to XXXX in the amount of {$70.00}. I have never contracted with XXXX for anything. XXXX obviously sent incorrect information to this collection agency and/or the collection agency did not do their homework. I called Southwest Credit and the purported monies owed were for some " XXXX XXXX '' at an address in XXXX, Maryland. I have never lived in Maryland. One or both of these businesses is quite suspect, perhaps doing a scattershot attempt to extort monies not owed from anyone named " XXXX XXXX '' in the country. This attempt to collect monies, having been referred to a collection agency, could negatively impact my credit rating. Are there not laws stipulating specific legal protocol for businesses to follow???
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-31

Knoxville, TN

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Untimely Response

2017-03-30

PA

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Complaint: I have never had any agreement with this company! They are reporting to all credit bureaus that I owe them a debt which is illegal! According to XXXX " The right of subrogation does not exist for a stranger to the transaction. '' They have no legal rights to report any debt to any bureau nor post or obtain any information on my Credit Files.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Nucla, CO

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-29

Orange, NJ

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Lexington, KY

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

Chestnut, NJ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Company Response: Closed with explanation

Disputed: No Timely Response

2017-03-28

FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: Collection of an account in someone other than me 's name and versifying incorrect information.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2017-03-28

Brighton, UT

Incorrect information on credit report

Credit reporting:

Account status
Company Response: Closed with explanation

Disputed: No Timely Response