Consumer complaint received 2018-04-27
Company: Southwest Credit Systems, L.P.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today XX/XX/XXXX I received a alert that my credit report received a Collections account, at this point I viewed my report because from my understanding I did not owe anything. The company that was reporting was Southwest Credit Systems, LP, for a water bill I had in XXXX. I then called XXXX XXXX because when I left XXXX in XX/XX/XXXX I was under the impression that my Bill was paid before we left state. According to XXXX XXXX there was still a generating Bill that had not been sent out. I was then asked why I was not notified by phone of this debt with me out of state I was would of paid what I owed from generating Bill, lady from XXXX XXXX stated they don't call just send out notices. 

I then contacted this Company Southwest Credit Systems, LP why then was I not notified by them in XX/XX/XXXX when they got my file. The gentlemen on the phone stated that I was on DO NOT CALL LIST, I advised him this was not true. He said they sent mail to my parents house in XX/XX/XXXX BUT I NEVER GOT ANY MAIL, PLUS I DONT LIVE AT MY PARENTS I HAVE LIVED IN DIFFERENT CITY prior moving back to XXXX from XXXX. I then asked him there has to be a law in putting something on a credit report with out the proper notification of the person owning the debt, I explained to him this will hurt my credit and if they could remove the Collection on my credit report SINCE I DID NOT NO ABOUT THIS DEBT or I was not properly notified. I told him I NEVER new about this and if I did I would of happy to paid it. He stated that I could file a dispute with there company. Upon talking with him I could hear he was being coached in the back ground then he put me on hold. He then came back and said I could not remove this off my credit report or file a dispute since they are a data furnisher ( which I have no idea what that means ) he said they don't have to notify me by mail or phone that they can put what they need on a credit report. I told him this was against the law, I could still hear this lady coaching him in the back ground. I then asked to speak to a supervisor, upon speaking to her, I explained my information. But according to her they show NOTHING ME BEING A DO NOT CALL LIST. So the company was now lying to me, and she didn't know why he said that. So my question then was IF YOU HAD MY FILE SINCE XX/XX/XXXX why no phone call. She then stated again they are a Data furnisher and they don't have to call. I then explained again this was against they law, they can't just put a collection notice on a report with out making the proper notifications first. She said I could not dispute this coming off my report. Im ok with the balance I am going to pay the XXXX I owe, but I am not ok with the practices this company has, they have over 547 complaints online, and most of them are the same notifications procedures. Thank you for you time in this matter, I would just like this off my credit report please.

Company response to consumer: Closed with explanation