Consumer complaint received 2019-03-08
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Acct XXXX To Whom It XXXX Concern : This letter is regarding account # XXXX, which you claim I owe {$700.00}. This is a formal notice that your claim is disputed. 
This is the second or third collection agency that has is trying to collect on account I did not open or ever have. Why is this being taken off my credit from one collection agency when they can not provide validation and then sold to another collection agency attempting to collect a debt I never signed for or have any knowledge of. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX, and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA and FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Debt Collection Practices Act ( including but not limited to Section XXXX ) - Violation of the Fair Credit Reporting Act XXXX but not limited to Section XXXX ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA SSN # XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau XXXX : Attorney Generals Office Cc : Better Business Bureau XXXX XXXX XXXX and complaint I want to file a complaint against, XXXX XXXX XXXX, LP. XXXX XXXX XXXX XXXX, TX XXXX XXXX : Acct # XXXX, and TXXXX XXXX XXXXOF XXXX XXXX XXXX, XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX. The claim I owe {$700.00}. On XX/XX/XXXX and XX/XX/XXXX I wrote and sent certified letters to XXXX XXXX regarding Acct # XXXX. XXXX XXXX XXXX letters ). After finding out about this negative accounts on my XXXX XXXX account I submitted the validation letters to XXXX XXXX XXXX, LP. They removed it from my credit report but now I received a letter from XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX POX XXXX XXXX, XXXX XXXX Account # XXXX, and they are calming I owe {$700.00} for them. I honestly feel like I didnt get what I requested and its just getting passed around. They have failed to satisfy my request and validate the debt they claim I owe them. This is drastically affecting my credit and I need help taking care of this matter. Thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation