Southwest Credit Systems, L.P.

I called Southwest Credit Systems XX/XX/XXXX to see if they could explain why they were continuing to open and close account. For the past 4 years, they have been reopening account once it expires on 2 years. This was the same company that I RECOGNIZED since XX/XX/XXXX. As of today, the account was REOPENED XX/XX/XXXX. When I spoke to representative from Southwest Credit Systems, she refused to tell me who was the original creditor was so I could verify with them the details. She continued to pry information ; when I clearly stated I didnt feel comfortable giving information when the details arent verified. After much research, I was able to find the original creditor XXXX. On XX/XX/XXXX at XXXX XXXX I called XXXX and asked them to verify debt. They were unable to and representative said she sent my information to the verification department to verify details on account. Representive also communicated that someone from XXXX will call me back within 2 hours to confirm details.…

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To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 2:16 debt Search 212 5.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

On XX/XX/XXXX, I reviewed my credit report and found a collection account from Southwest Credit Systems XXXX for {$1000.00}, allegedly opened on XX/XX/XXXX. I have no knowledge of this debt, have never received an original invoice or contract, and do not recognize the " XXXX XXXX '' listed. I have disputed this multiple times through the credit bureaus, but the disputes were denied without the agency providing physical proof of the debt. Furthermore, the reporting is factually inaccurate under the FCRA ; the " Original Creditor '' is listed as " Southwest Credit Systems XXXX, '' which is a debt collection agency, not the original service provider. The account type is also left blank. Because the agency is reporting inaccurate information and has failed to validate the debt despite multiple requests, this trade line is in violation of federal reporting standards.

I discovered a phone bill account in collections on my credit report that I did not open or authorize. This account appears to have been opened and used by my deceased brother without my knowledge or permission. Around XX/XX/XXXX I contacted the company/collection agency to request verification of the debt, including any contracts, account records, and proof that I am responsible. The company has failed to provide sufficient documentation showing that I authorized or opened this account. I dispute this debt and do not accept responsibility for it. I am requesting a full investigation, removal of this account from my credit report, and written confirmation that I am not liable for this debt.

I CONSUMER XXXX XXXX DISCOVERED I WAS A VICTIM OF IDENTITY THEFT XX/XX/year>2024. SINCE THEN NUMEROUS OF COLLECTION ACCOUNTS HAVE APPEARED ON MY CREDIT PROFILES. HERE IS ANOTHER ACCOUNT FROM XXXX SOLD TO SOUTHWEST CREDIT SYSTEMS THIS ACCOUNT IS FRAUD AND NOT VALID. XX/XX/XXXX THIS COMPANY NEVER CONTACTED TO ME TO VALIDATE THIS DEBT BEFORE PLACING IT ON MY CREDIT REPORT XXXX. IM WELL AWARE THAT I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO COLLECTION. THIS COMPANY IS IN VIOLATION OD FCRA XXXX ( F ) ( 15 U.S.C. XXXX PROHIBITION ON SALE OR TRANSFER OF DEBT CAUSED BY IDENTITY THEFT. UNDER THE FCRA THIS ITEM IS NOT VALID AND CAN NOT APPEAR ON MY CREDIT REPORT WITHOUT SUPPORTING DOCUMENTS OF VALIDATION OR PROOF A LETTER WAS SENT TO ME XX/XX/XXXX DAYS PRIOR TO THIS REPORTING ON MY CREDIT ASKING FOR VALIDATION. LASTLY A DEBT THAT IS IDENTITY THEFT CAN NOT BE SOLD OR PURCHASED.

I am formally disputing the account reported by Southwest Credit Systems LP as inaccurate and unverified. This account, showing a balance of {$430.00}, is not recognized, and I have not received any prior validation or documentation supporting this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), credit reporting agencies are required to ensure maximum possible accuracy, and under 15 U.S.C. 1681s-2 ( b ), furnishers must conduct a reasonable investigation and correct or delete any inaccurate or unverifiable information. Additionally, pursuant to 15 U.S.C. 1681i, all disputed information must be properly reinvestigated. This account appears to be reported in violation of these requirements. I am requesting a full investigation and demanding immediate deletion if the furnisher can not provide competent evidence of the debt, including proof of ownership, the original signed agreement, and a complete account history.

A collection account from Southwest Credit Systems LP is currently being reported on my credit report associated with XXXX XXXX XXXX, account XXXX XXXX I do not recognize this alleged debt and have no knowledge of what this account could possibly be for. Prior to this account appearing on my credit report, I never received any initial notice or written communication from this company regarding the alleged debt. Under the Fair Debt Collection Practices Act, a consumer must receive written notice of a debt and the right to dispute it. Because I never received this notice and do not recognize this account, I requested proper validation of the alleged debt multiple times. Despite my repeated requests, Southwest Credit Systems has failed to provide documentation verifying that the alleged debt is valid or that they have the legal authority to collect it.…

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A collection account is appearing on my credit report that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting verification of the alleged debt. The creditor or collection agency has failed to provide any legitimate documentation demonstrating that the debt belongs to me, that the amount is correct, or that they have the legal authority to collect it. Despite this lack of verification, the account continues to be reported on my credit file. This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that only accurate and verifiable information be reported. Reporting an unvalidated account is both inaccurate and misleading.

Complaint Against : SouthwestCredit Systems, L.P. Issue : Credit Reporting / Improper Handling of Paid Collection Account I am filing this complaint regarding SouthwestCredit Systems, L.P. and their reporting of a collection account on my credit file. On XX/XX/year>, I paid this account in full. At the time of payment, I was informed that the account would be submitted for deletion from all credit bureaus within approximately 60 days. However, despite this representation : The account has already been reported to at least one credit bureau It is expected to be reported to additional bureaus despite being paid No effort has been made to expedite deletion, even after I notified the company that I am in an active mortgage approval process This situation is causing immediate and significant harm, as even a paid collection can negatively impact mortgage underwriting decisions and interest rates.…

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I have never received any information regarding this alleged debt. The only reason I know about it is because it's on my credit reports. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state rules. I demand to be sent a copy of the purchase agreement or assignment letter/agreement. I also demand this agency to cease and desist all collection and communication efforts, this includes credit reporting.

Southwest Credit Systems Is attempting to collect a XXXXXXXX XXXX debt from that is showing on my credit report that the last payment was made in 2023... this is incorrect and the debt is too old to be reporting.. I contacted XXXX ( the original creditor ) and was told according to their records the account is closed and I do not owe anything.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Southwest Credit Systems XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) DeaXXXX XXXX & Southwest Credit Systems I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : XXXX & Southwest Credit Systems XXXX Opened XX/XX/XXXX Reported XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable.…

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Validation of Debt Request - SOUTHWEST CREDIT SYS/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Validation of Debt Request - SOUTHWEST CREDIT SYS/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

I have received multiple text message from Southwest Credit Systems that I have a past due balance with XXXX. It is not possible for me to have a debt with XXXX because I have a toll tag on my vehicle and my toll tag shows I have credit sitting on my account and it auto-refills when I get to a certain low balance.

I am filing a complaint regarding an incorrect debt related to my T-Mobile account that has been sent to collections by Southwest Credit Systems XXXX On XX/XX/XXXX, I contacted XXXX and requested that my service be suspended because I was leaving the United States XXXX Despite this request, charges continued to accumulate. On XX/XX/XXXX, when I returned, I received a bill of approximately {$400.00}. A T-Mobile representative told me that if I paid {$200.00}, my service would be restored. I paid the {$200.00} as instructed. On XX/XX/XXXX, I transferred ( ported ) my phone number to another carrier ( XXXX XXXX ), which effectively ended my service with XXXX On XX/XX/XXXX, I received a message from the collection agency Southwest Credit Systems claiming that I owe {$760.00} for this account. I dispute this debt because it was assessed incorrectly and I am not responsible for this amount.…

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To Whom It May Concern, I am writing to formally dispute and request validation of a collection account reported on my credit report by Southwest Credit Systems. The account details are as follows : Collection Agency : Southwest Credit Systems Original Creditor : XXXX Account Number : XXXX Balance Reported : {$170.00} Date Opened : XX/XX/year> I do not recall entering into an agreement with your company and therefore request full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following documentation : Verification of the original creditor and the full name and address of the original creditor. A copy of the original signed contract or agreement showing that I am legally obligated for this debt. A complete itemized statement of the balance, including any fees, interest, or charges added after the account became delinquent.…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I disputed an alleged debt with Southwest Credit Systems appearing on XXXX Credit Report. Despite the account being disputed, Southwest Credit Systems transferred or sold the account to XXXX XXXX XXXX XXXX without resolving the dispute. Southwest Credit Systems was asked to validate the debt and did not provide me with the requested information. Both Southwest Credit Systems and XXXX XXXX XXXX XXXX are now reporting the same alleged debt on my credit reports. However, the accounts are being reported with different original balances and different Dates of First Delinquency ( DOFD ). Reporting the same debt with conflicting balances and delinquency dates indicates that inaccurate information is being furnished to the credit bureaus and raises concerns about potential re-aging of the account. Please investigate and please encourage debt collector to remove unverifiable reporting.

I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue, I recently discovered one or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

I am submitting this complaint to request a formal investigation into inaccurate and unverified collection accounts currently being reported on my credit file. The companies involved are XXXX XXXX XXXX, which has reported a collection account to XXXX, and Southwest Credit Systems, which has reported a collection account to XXXX. Both accounts appear to be reporting the same balance of {$290.00}. I do not recognize this alleged debt and have never entered into any contractual agreement with Southwest Credit Systems or XXXX XXXX XXXX. I have never signed any contract or agreement with either of these third-party collection agencies that would create a legal obligation for me to pay them directly. The companies mentioned are : XXXX XXXX XXXX ( reported to XXXX XXXX Southwest Credit Systems ( reported to XXXX ) Often this happens when a single original debt gets sold or assigned to multiple collectors, or when one collector re-ages or reassigns the account.…

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This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is very stressful as I am currently unemployed and technically homeless. I am taking all proper measures to correct my line of credit so that I can feel some sort of clarity in my financial situation.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing the alleged debt being collected and reported by SOUTHWEST CREDIT SYSTEMS LP BALANCE REPORTING {$1600.00} OPENED XXXX XXXX. This company is a third-party debt collector and not the original creditor. This alleged utility account dates back to XXXX. However, it is currently being reported as OPEN on my credit file. Reporting a collection account as OPEN when it is an old delinquent account is inaccurate and misleading. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a duty to report accurate information and correct inaccurate reporting. Additionally, under 15 U.S.C. 1681c ( a ), adverse information may not be reported beyond the permissible reporting period, which is based on the original Date of First Delinquency not when a third-party collector acquires the debt. I have not received proper validation of this alleged debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).…

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I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

There is an alleged debt on my credit report from Southwestern Credit Systems. I have reason to believe that I do not owe this debt and I am needing this issue resolved as this has been hurting my credit. I request the following details for this debt : 1. Documentation of responsibility 2. Full name and address of collector 3. Documentation of actually being licensed in XXXX 4. The amount fully explained Continuing to attempt to collect this debt before verifying this information is against the Fair Debt Collections Act.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to col