Product: Debt collection

This complaint is a electronic notice to the CFPB to inform them of the actions by SOUTHWEST CREDIT SYTEM who is a debt collector pursuant to ( 15 USC 1692a ( 6 ) ) who has failed to comply with 15 USC 1692 and 15 USC 1681 is now civilly liable under 15 USC 1692k and 15 USC 1681n. pursuant to 12 CFR 1006.6 ( d ) ( 1 ). SOUTHWEST CREDIT SYTEM must not communicate, in connection with the collection of any debt, with any person other than, myself the consumer, the creditor of said account and their lawyer and the debt collector 's lawyer. SOUTHWEST CREDIT SYSTEM failed to comply with the requirements under this regulation and is in violation by communicating with the third-party credit reporting agencies not permitted by law and without consent in connection with their attempt to collect an alleged debt. A collection account was furnished to my consumer report on XX/XX/2022, SOUTHWEST CREDIT SYSTEM in violation of 15 U.S. Code 1692j ( a ) by designing, compiling and furnishing a collection account to my consumer report that is being used to create false belief in I the consumer and that a person other than the creditor is participating in the collection of an attempt to collect a debt when in fact the creditor is not participating. SOUTHWEST CREDIT SYSTEM is in violation 15 U.S. Code 1692f ( 1 ) by using unfair and unconscionable means prohibited under this subchapter to attempt to collect an alleged debt that was not authorized by an agreement creating the alleged debt or permitted by law. I am aware that there was never an agreement made between myself and SOUTHWEST CREDIT SYTEM that authorized the creation of the alleged debt. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692d ( 1 ) by using violence and criminal means to harm my consumer reputation. They used means prohibited by this subchapter to communicate their attempt to collect an alleged debt to the third-party credit reporting agencies resulting in the furnishing of a collection account to my consumer report. I am aware that the furnishing of this negative account to my consumer report dropped my score and has harmed my reputation it is now harder for me to obtain credit because my credit worthiness and reputation is now harmed and this has caused me financial hardship due to the difficulty obtaining new credit and this is directly affecting interstate commerce. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692c ( b ) by failing to comply with the provisions in this subchapter, SOUTHWEST CREDIT SYSTEM communicated with third parties such as XXXX in connection to their attempt to collect an alleged debt and told them that I alleged owed a debt which is prohibited by law pursuant to 15 U.S. Code 1692c ( b ). SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1681q by willfully and knowingly obtaining my location information from a consumer reporting agency under false pretenses and is now liable to be fined under Title 18 of the United States Code, imprisoned for not more than more than 2 years or both. SOUTHWEST CREDIT SYSTEM is in violation of 15 U.S. Code 1692e 2 ( a ) by using false, deceptive, misleading representation and means prohibited under this subchapter in connection with the collection of an alleged debt.