Debt collection -- Attempts to collect debt not owed -- Complaint #7290775
Complaint Overview
Complaint ID: 7290775
Company: Southwest Credit Systems, L.P.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Alabama
ZIP Code: 355XX
Date Received: 2023-07-23T12:00:00-05:00
Date Sent to Company: 2023-07-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Per the FDCPA I requested verification of debt from SOUTHWEST CREDIT, via certified mail. I do not recognize how the account is reporting on my consumer credit profile. I do not recognize, the account number, account status, high balance, or late payments associated with this account. The account does not meet FCRA. SOUTHWEST CREDIT has not provided me with a purchase agreement with my signature and the account is still reporting on my consumer report which is a direct violate of 15 USC 1692 ( g ).
Frequently Asked Questions
What is Complaint #7290775 about?
Complaint #7290775 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 2023-07-23T12:00:00-05:00.
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.