Debt collection -- Attempts to collect debt not owed -- Complaint #5344345
Complaint Overview
Complaint ID: 5344345
Company: Southwest Recovery Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: South Carolina
ZIP Code: 29588
Date Received: 2022-03-20T12:00:00-05:00
Date Sent to Company: 2022-03-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This collection agency Southwest Recovery Services put a negative entry on my credit report and violated the law in XXXX XXXX XXXX- Statue of limitation ( XXXX years ) and XXXX attempting to collect a debt that is not mine. I will be filing a legal action against both the original Creditor ( who failed to properly identify the person who used my identity and Southwest Recovery Services for their violation to the XXXX and Lack of understanding to interpretation of the law referenced above and causing me harm by lowering my XXXX credit score by XXXX XXXX I have never missed a bill in my life and in fact before they are due. Southwest Recovery and as a XXXX party has no rights by any means to cause me all this and they will be the main party in my legal action due to the fact I have notified them when they sent me an email in an attempt to collect this debt. I advised them that this debt was not mine to begin with. This debt was in relation to a business in which I had no affiliation with and did not even live in the state in which this debt occurred. I have filed the appropriate reports with authorities and provided such to Southwest Recovery Services. This needs to immediately be removed from my file
Frequently Asked Questions
What is Complaint #5344345 about?
Complaint #5344345 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 2022-03-20T12:00:00-05:00.
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.