Debt collection -- Attempts to collect debt not owed -- Complaint #6943458
Complaint Overview
Complaint ID: 6943458
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: North Carolina
ZIP Code: 285XX
Date Received: 2023-05-05T12:00:00-05:00
Date Sent to Company: 2023-05-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Every 2 years since XXXX or XXXX, XXXX XXXX, now it's Southwest Credit Systems, has been ruining my credit on XXXX. Throughout the years, they have sent collection companies from different states that continue to call me during all times of the day from different phone numbers. I have to dispute this every time. Then my credit scores go up after it's cleaned from my credit, and then it crashes when XXXX XXXX ( Southwest Credit Systems ) finds some way to get into my credit. It's been a repeated cycle since XXXX, resulting in XXXX or so points dropping each time. My consumer rights have been violated with these tactics. I am also worried that I'm a victim of identity theft. I have no business with XXXX XXXX and Southwest Credit Systems.
Frequently Asked Questions
What is Complaint #6943458 about?
Complaint #6943458 was filed against Southwest Credit Systems, L.P. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-05-05T12:00:00-05:00.
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.