Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #15932399
Complaint Overview
Complaint ID: 15932399
Company: Southwest Credit Systems, L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Florida
ZIP Code: 33056
Date Received: 2025-09-14T12:00:00-05:00
Date Sent to Company: 2025-09-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Southwest Credit Systems ( SCS ) is reporting a {$94.00} collection account on behalf of XXXX XXXX XXXX XX/XX/year>. I disputed this account and sent debt validation requests under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). SCS failed to provide proper validation. They did not provide a signed agreement, itemized charges, proof of assignment from XXXX, or documentation establishing their legal right to collect in my state. Despite this, they continue to report the account as a collection on my credit reports. Why this is unlawful : FDCPA 809 ( b ) : Debt collectors must cease collection until proper validation is provided. SCS has not done so. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must only report accurate and verifiable information. Reporting without validation is inaccurate and unlawful. FCRA 611 : Credit furnishers must reasonably investigate disputes. XXXX unverifiable data is not a reasonable investigation. Unfair practices : Adding unexplained fees ( original balance {$75.00} reported {$94.00} ) without documentation is deceptive.
Frequently Asked Questions
What is Complaint #15932399 about?
Complaint #15932399 was filed against Southwest Credit Systems, L.P. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-09-14T12:00:00-05:00.
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.