Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18029872
Complaint Overview
Complaint ID: 18029872
Company: Southwest Credit Systems, L.P.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Delaware
ZIP Code: 19720
Date Received: 2025-12-14T12:00:00-05:00
Date Sent to Company: 2025-12-14T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Southwest Credit Systems , L.P. reported a collection account to my credit for an alleged Comcast balance that included a {$210.00} early termination fee that I never agreed to, never authorized, and never triggered. I disputed the debt and requested validation, specifically challenging the legitimacy of the termination fee and Southwest Credit Systems authority to collect it. Southwest Credit Systems failed to provide proper validation and subsequently removed the account from my credit report. Removal of the account following dispute demonstrates that the debt could not be substantiated. Despite this, the account was furnished to the credit bureaus prior to completing a reasonable investigation or ensuring the accuracy of the information. Reporting an unverified debt even temporarily causes real credit harm and violates the obligation to ensure maximum possible accuracy before furnishing information. I am requesting : Written confirmation of the documentation relied upon to report this account Copies of any validation materials allegedly supporting the debt Confirmation that the account will not be reinserted, transferred, or resold Documentation of the investigation that resulted in removal This complaint is submitted to document improper credit reporting and unlawful collection activity.
Frequently Asked Questions
What is Complaint #18029872 about?
Complaint #18029872 was filed against Southwest Credit Systems, L.P. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-12-14T12:00:00-05:00.
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.