Product: Debt collection

SOUTHWEST CREDIT SYSTE Original creditor : XXXX {$480.00} Account info Account name SOUTHWEST CREDIT SYSTE Account number XXXX Original creditor XXXX Company sold - Date opened XX/XX/XXXX Status updated XX/XX/XXXX Account type Collection Status Collection account. {$480.00} past due as of XX/XX/XXXX. 
Balance {$480.00} Balance updated XX/XX/XXXX Original balance $ XXXX  Monthly payment - Past due amount {$480.00} Terms 1 Month Responsibility Individual Fair Credit Reporting Act ( FCRA ) Violations 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting inaccurate or unverifiable information. Reporting a fraudulent apartment lease under my name violates this provision. 

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : Requires credit reporting agencies to delete any information that can not be verified. Since this account is fraudulent, the bureau must remove it immediately.

15 U.S.C. 1681b ( f ) : Restricts the use of consumer reports without proper authorization. My personal data was used fraudulently to apply for this apartment, violating my consumer rights.

Fair Debt Collection Practices Act ( FDCPA ) Violations 15 U.S.C. 1692e ( 8 ) : Debt collectors can not communicate false credit information. Reporting an unauthorized lease as a charge-off is misleading and unlawful. 

15 U.S.C. 1692g ( b ) : Requires debt collectors to validate debts before reporting. Since this account resulted from identity theft, failure to validate it warrants its removal.

15 U.S.C. 1692c ( b ) : Prohibits the dissemination of false information to third parties. Reporting this fraudulent account to the credit bureaus breaches this rule. 

Uniform Commercial Code ( UCC ) Violations UCC 9-210 & 9-611 : Requires proper verification before taking adverse credit action. The leasing company and collection agency failed to verify the legitimacy of this debt. 

Relevant Case Laws Supporting Fraudulent Account Removal XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX ) : Held that credit bureaus must promptly investigate and remove unverifiable accounts. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Established that inaccurate reporting due to identity theft must be corrected under FCRA guidelines. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : Ruled that failure to remove fraudulent accounts after receiving proof of identity theft is a willful violation of consumer rights. 

Action Required : Immediate deletion of this fraudulent account from all credit bureaus. 

Cease and desist all reporting activities related to this account. 

Failure to comply will result in a complaint to the CFPB, legal action for damages, and further legal proceedings for violations of federal law. 

the violations and reasons why the Southwest Credit System - XXXX account should be deleted and removed from your report : Violations & Legal Non-Compliance Fair Credit Reporting Act ( FCRA ) Violations : 15 U.S.C. 1681b ( f ) Unauthorized Access A company may not access or report information on a consumer 's credit file without a permissible purpose. If you did not authorize this account, its reporting is a violation of your rights. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Information Credit furnishers are required to provide accurate and verifiable information. If this account is fraudulent or contains errors, it must be deleted. 
15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to Verify and Remove Inaccurate Information If the credit bureau can not verify the legitimacy of this account, it must be deleted from your report immediately. 
Fair Debt Collection Practices Act ( FDCPA ) Violations : 15 U.S.C. 1692e ( 8 ) Reporting False Credit Information Debt collectors are prohibited from reporting false or misleading information to the credit bureaus. If this account is inaccurate or unauthorized, its continued reporting violates federal law. 
15 U.S.C. 1692g ( b ) Failure to Provide Validation Upon request, the debt collector must provide validation of the debt. If Southwest Credit System can not prove this debt belongs to you, they must cease collection efforts and remove the account. 
XXXX XXXX Compliance Violations : Failure to Properly Verify the Account If the first delinquency date, status updates, or balance changes are incorrect, the account is non-compliant and must be deleted. 
Action Required IMMEDIATE DELETION : This account is fraudulent and unverifiable. It must be removed from my credit report. 
CEASE AND DESIST : Block all activity related to this account and stop reporting it to all three credit bureaus. 
LEGAL NOTICE : If this account is not deleted within 5 days, I will file a formal complaint with the CFPB, FTC, and pursue legal action for damages.