Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5991118
Complaint Overview
Complaint ID: 5991118
Company: Southwest Recovery Services, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Virginia
ZIP Code: 238XX
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Pursuant to 15 USC 1692 ( a ) Southwest Recovery Services used abusive practices in regards to acquiring my personal information as I have not opened an account with them nor did I give written consent to have my information. Southwest Recovery Services also violated 15 USC 1692j ( A ) because SOUTHWEST RECOVERY SERVICES have contacted me in the past numerous times posing as a debt collector to collect debt from me, the consumer. Also 15 USC 1692g ( b ), this " alleged collector '' has failed to provide me with PHYSICAL proof showing my ORIGINAL contract with the ORIGINAL CREDITOR containing my signature. Southwest Recovery Services sent me a copy of an " alleged statement '' stating that it was verification. This does not contain original documentation nor does it contain my signature. My personal information was not permitted in writing by me, the consumer, stating that Southwest Recovery Services can retrieve my personal info which is fraud, which is a violation of 15 USC 1681b ( 2 ) which states that I have to give written instruction for my consumer report to be disbursed. This account is on all 3 of my credit porting agencies, XXXX, XXXX, XXXX.
Frequently Asked Questions
What is Complaint #5991118 about?
Complaint #5991118 was filed against Southwest Recovery Services, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-09-17T12:00:00-05:00.
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 (Credit reporting, credit repair services, or other personal consumer reports) 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.