Debt collection -- Attempts to collect debt not owed -- Complaint #13439816
Complaint Overview
Complaint ID: 13439816
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-Product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Texas
ZIP Code: 78109
Date Received: 2025-05-09T12:00:00-05:00
Date Sent to Company: 2025-05-09T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute the accuracy of a Southwest Credit System collection currently being reported on my credit file. Upon recently reviewing my credit reports, I was shocked to find this account is still listed despite having been fully paid. It was my understanding that upon payment, XXXX would remove the tradeline from my credit report. However, this collection remains, inaccurately reflecting a negative status and negatively impacting my credit profile. As a result, I have been unable to secure credit and it is jeopardizing my ability to obtain approval for a home loan. Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into this matter and the removal of this account from my credit report.
Frequently Asked Questions
What is Complaint #13439816 about?
Complaint #13439816 was filed against Southwest Credit Systems, L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-09T12:00:00-05:00.
How did Southwest Credit Systems, L.P. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Southwest Credit Systems, L.P.?
Yes, visit the Southwest Credit Systems, L.P. company profile at readthecomplaint.com/company/southwest-credit-systems-l-p to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.