Debt collection -- Attempts to collect debt not owed -- Complaint #5214324
Complaint Overview
Complaint ID: 5214324
Company: Southwest Recovery Services, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: South Carolina
ZIP Code: 29588
Date Received: 2022-02-11T12:00:00-05:00
Date Sent to Company: 2022-02-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Sent Email, documentation, and FTC and letter to South West Recovery and Credit Bureaus advising that what ever they are attempting to collect is not mine, and they have not provided any burden of proof indicating that it is. I have never had any accounts with this company nor its affiliates. Southwest Recovery provided a false statement and reinserted an account on my credit file in which was previously removed. The below numbered sentences is what was provided to me by the Credit Reporting Agency. 1. The request to block information was based on a material misrepresentation 2. You have agreed in writing that the information was blocked in error 3.You knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of the blocked transaction or transactions. As such frivolous statements were made, clearly this company is in violation of the law according to 1. FCRA Section 623 XXXX XXXX XXXX XXXX UNION CORP. US Court of Appeals for the Third Circuit Court case 115 F. 3rd 220 June 9, 1997, Filed ( D.C. No. 95-cv-01743 ). 2. FCRA Part ( A ) ( XXXX ) ( B ) ( XXXX ) XXXX. FDCPA Section XXXX ( b ), FTC opinion letter XXXX from XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, No XXXX XXXX, XXXX XXXX. XXXX XXXX As such I am demanding that they DELETE DEROGATORY DEBT from all three credit bureaus ; XXXX, XXXX, and XXXX. If the information is not immediately deleted I will be forced to exercise my rights in a court of law.
Frequently Asked Questions
What is Complaint #5214324 about?
Complaint #5214324 was filed against Southwest Recovery Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-02-11T12:00:00-05:00.
How did Southwest Recovery Services, INC. 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 Recovery Services, INC.?
Yes, visit the Southwest Recovery Services, INC. company profile at readthecomplaint.com/company/southwest-recovery-services-inc 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.