Debt collection -- Written notification about debt -- Complaint #17942215
Complaint Overview
Complaint ID: 17942215
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-Product: Rental debt
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Alabama
ZIP Code: XXXXX
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The original merchant informed me that my account would be placed in dispute status and that I would be contacted to set up payment arrangements. I was never contacted again, and I did not receive any verification, follow-up, or opportunity to resolve the matter. Despite the merchant agreeing to place the account in dispute, the account was later reported to the credit bureaus as a collection without proper notice or validation. This has negatively affected my credit. I am requesting that the company review this matter, provide full verification of the debt, explain why the account was reported to collections while in dispute, and correct or remove the inaccurate reporting from my credit file.
Frequently Asked Questions
What is Complaint #17942215 about?
Complaint #17942215 was filed against Southwest Credit Systems, L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.