Consumer complaint received 2022-12-27
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Southwest Credit Systems , LP sent me a notice telling me they were trying to collect a debt for XXXX in the amount of XXXX I personally called XXXX and gave them all the information that was provided to me from Southwest Credit Systems , LP I gave them the account number, amount of the alleged debt they said I owed and all of the dates, XXXX informed me they do not have an account number matching what I gave them, which I gave them the account number that Southwest Credit Systems LP provided me they also said they did not have anything in there system having assigned anything to this company for any such account, which the company said they were trying to collect the alleged debt for XXXX. Southwest Credit Systems LP is in direct violation of 15 USC 1692j ( a ) which states : it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. Through the response received from XXXX upon me calling in regard to this account I would like to inform you that your company has violated 1692j ( a ) because your company furnished a deceptive form to create a false belief in me as a consumer that the creditor was attempting to collect the debt but in reality, it was not so true. You are in violation of 15 USC 6802 Obligations with respect to disclosures of personal information. Your company has created an account on my behalf using my social security number without my consent this offense is aggravated identity theft pursuant to 18 USC 1028a this company have knowingly, transferred, possessed or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years imprisonment, in addition to civil liability. According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly, to any person through any medium, as per the literal interpretation Any medium includes any oral, written, electronic, or other medium, Therefore, furnishing of the consumer report bearing information regarding the alleged debt by the company will amount to communication as per Fair Debt Collection Practices ( FDCPA ). Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, emails, social media, or any XXXX XXXX XXXX. Any further contact by your agent or company except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act. If you do not cease communication a lawsuit will be filed against you. I have attached the initial letter you sent to me for proof that you tried to indicate that XXXX was participating in the collection of this alleged debt.

Company response to consumer: Closed with explanation