Debt collection -- Written notification about debt -- Complaint #4434551
Complaint Overview
Complaint ID: 4434551
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-Product: Other debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: North Carolina
ZIP Code: 28409
Date Received: 2021-06-05T12:00:00-05:00
Date Sent to Company: 2021-06-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.
Frequently Asked Questions
What is Complaint #4434551 about?
Complaint #4434551 was filed against Southwest Credit Systems, L.P. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2021-06-05T12:00:00-05:00.
How did Southwest Credit Systems, L.P. respond to this complaint?
The company responded with: "Closed with explanation". 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.