Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Against Southwest Credit System and XXXX XXXX XXXX XXXX XXXX Regarding Violation of Privacy and Debt Collection Practices To Whom It May Concern, I am writing to formally lodge a complaint against Southwest Credit System ( SCS ), a debt collection agency, and XXXX XXXX XXXX XXXX XXXX the main creditor, concerning their handling of my alleged debt and the resulting negative impact on my credit report. This complaint is pursuant to the privacy and consumer protection guidelines established under PART XXXX - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ), particularly referencing 12 CFR 1016.1, 12 CFR 1016.4, 12 USC 531, and 15 USC 6802, in addition to the Fair Credit Reporting Act ( FCRA ) provision 15 USC 1681i.

As well as 15 U.S. Code 1825 - Violations and penalties I previously disputed and had removed an entry related to this account from my credit report a few months ago. However, SCS has reinserted this account on my credit report without providing me with any prior notice, in direct violation of 15 USC 1681i ( 5 ) ( b ). No attempt was made to validate this debt with me before reporting it, which has deprived me of the opportunity to challenge or verify the accuracy of the debt in question. 

Given that SCS and XXXX XXXX XXXX XXXX are publicly traded companies, with SCS operating under the parent company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ), I am entitled to a clear and accurate accounting of the alleged debt, as well as proof of their authority to collect said debt. I request that the following documents be provided to me within 30 days from the date of this complaint : XXXX. Purchase Agreement : A copy of the purchase agreement between XXXX XXXX XXXX XXXX and SCS, reflecting the details of the transaction for the alleged debt. 

XXXX. Original Contract : A copy of the original contract with XXXX XXXX XXXX XXXX XXXX XXXX my signature and details of the agreement, confirming that XXXX XXXX XXXX XXXX did not simply sell the debt but assigned it to SCS with all the attendant obligations and rights. 

XXXX. Form XXXX : A detailed Form XXXX showing the full payment history and a breakdown of the alleged debt, with explanations for each line item, date of purchase, receipt of goods, and other relevant details. 

XXXX. Date of Last Activity : The date of the last activity on the account, which is crucial for proper validation of the debt, and a letter of sale or assignment from XXXX XXXX XXXX XXXX XXXX SCS. 

Given that both SCS and XXXX XXXX XXXX XXXX XXXX XXXX and bonds and engage in the purchase of contracts which are considered purchase money loans, it is imperative that they adhere to the Uniform Commercial Code ( UCC ) and consumer protection laws related to contracts and debt collection. 

I expect a prompt and detailed response to this complaint, including the provision of all requested documentation. Should SCS be unable to validate the debt or fail to adhere to the aforementioned regulations and legal obligations, I demand that the entry be removed from my credit report immediately, and any further collection attempts be ceased. 

Thank you for your attention to this matter. I look forward to your swift action to resolve this issue.