Consumer complaint received 2021-01-21
Company: Southwest Credit Systems, L.P.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I writing this letter filing a complaint against SOUTHWEST CREDIT SYSTEM : Account # XXXX ORIGINAL CREDITOR ; XXXX XXXX. Are in non compliance violation against State, Federal, FCRA and FDCP statues of fraudulent extortion. I receive a email about around XX/XX/XXXX and write them a certified letter of validation on XX/XX/XXXX ( letter attached ). I wrote them a letter of validation on XX/XX/XXXX certified letter ( attached letter ). They did reply to my letter on XX/XX/XXXX SOUTHWEST CREDIT SYSTEM. Hereby reserve my right to take private civil action against you to recover damages. They did not answer any of the questions on the form they were suppose to return along with documents as followed : CREDITOR/DEBT COLLECTOR DECLARATION Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. 

______________________________________________________ Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : XXXX Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? 

XXXX Amount paid if debt was purchased : XXXX Commission for debt collector if collection efforts are successful : Please attach a copy of the agreement with your client that grants ( Collection Agency Name ) the authority to collect this alleged debt. 

Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. 

Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. 

Please attach copies of all statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( Name Of Debt Collector ), in case legal action becomes necessary : XXXX XXXX XXXX XXXX Authorized Signature For Creditor Date __________________________ Print Name 1 ) Creditors if they report my credit history inaccurately. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX vs. XXXX XXXX. This defamation and financial injury. Fine extent of damages incurred by wronged party as deemed by the courts. 2 ) They are " Re-Aging this account by reporting the date of last activity instead of the date of first. Consumer protection afforded by the FCRA Sec.605 ( c ). 3 ) Collection agency fail to report a dispute debt to the credit bureaus. Protection under the FDCPA Sec. 807 ( 8 ). 4 ) Collection Agency if they have not validated the debt and they still continue to report to the credit bureaus. Protection of consumer afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter XXXX from XXXX XXXX Joining the civil lawsuit against XXXX XXXX CHECK CLASS ACTION LAWSUIT, checking my credit without my authority. Be aware that I am making a final goodwill attempt to have your clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. This items should be deleted immediately. We know that SOUTHWEST CREDIT SYSTEM are still violating FDCPA, such as using false or misleading information in an effort to collect a debt and sharing information about delinquent debts with unauthorized third parties. If SOUTHWEST CREDIT SYSTEM and credit bureaus continue in this non-compliance I remind you of as in XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX. XXXX, XXXX ), you may be liable for your willful non-compliance. Please remove item that is harming me financially. If not off my credit in 15 days I will be filing legal action against Southwest Credit and CRA.

Company response to consumer: Closed with explanation