Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14007631
Complaint Overview
Complaint ID: 14007631
Company: Southwest Credit Systems, L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Texas
ZIP Code: 77056
Date Received: 2025-06-10T12:00:00-05:00
Date Sent to Company: 2025-06-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Southwest Credit Systems is illegally accessing my credit report under he guise of a client who is stalking and harassing me by looking up my credit report in order to illegally access my credit scores, address, and creditors with the intent to do harm. I contacted the company of Friday, XX/XX/XXXX, and was told that are a data furnishing company contracted by clients to resolve outstanding balances. There were no balances nor any creditors that I owe located underneath my name, phone number, or social security number. The only item found was a paid balance that does not utilize social security numbers from XXXX for a tollway account that was paid in full. I spoke to XXXX XXXX and XXXX XXXX Team Lead and Customer Service Representatives at Southwest who researched and validated this information. I am attaching an image of the date the Southwest Credit Systems completed an impermissible inquiry. This impermissible credit report access is a breach of my privacy. This company ( third party ) has gained access to my sensitive and confidential information without my permission or a legally recognized purpose. The FCRA provides consumers whose credit reports have been impermissibly accessed with remedies. Negligent actions by these companies can lead to the collection of actual damages plus attorneys fees and costs. If this access is accomplished willfully, then Southwest Credit Systems will be liable for statutory damages of up to {$1000.00} and punitive damages.
Frequently Asked Questions
What is Complaint #14007631 about?
Complaint #14007631 was filed against Southwest Credit Systems, L.P. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-06-10T12:00:00-05:00.
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 (Credit reporting or other personal consumer reports) 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.