Consumer complaint received 2021-03-03
Company: Southwest Credit Systems, L.P.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX Dispute to All the Credit Bureaus / CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX To Whom It May Concern : I would like to report a problem I been having with the credit bureaus and the companies that claimed I owned them money. 

These business who reports my informations to the credit bureaus I have not done any business with the following companies and I am asking for this to be deleted from my credit report immediately otherwise I'll seek legal actions against those companies as well as against the credit bureaus. 

1. SW CRDT SYS/ XXXX XXXX XXXX Account # XXXX 2. XXXX XXXX XXXX Account # 3. XXXX XXXX / XXXX XXXX XXXX ACCOUNT # XXXX 4. XXXX XXXX Account # XXXX 5. SOUTHWEST CREDIT SYSTEMS Account # XXXX XXXX XXXX / XXXX XXXX XXXX I was in a car accident in NY XXXX. My insurance company at the time XXXX paid all my medical bills including XXXX was done at XXXX XXXX. In the beginning XXXX sent a bill for XXXX dollars to XXXX which was exceeded the pay scales the insurance company supposed to pay. XXXX agreed for a XXXX dollars payment they went sold my informations to third party collections agency claiming I owned them when I do not. What XXXX XXXX did in the beginning they tried to defraud XXXX XXXX so they can make extra money since i had an out of state policy. I am sending this email seeking justice before I take this to the media, we need to investigate XXXX, XXXX & XXXX for refusing to do a full investigation about the debt. I filed a dispute regarding this issue with all 3 bureaus I sent them copies of the payments that XXXX made they ignored my request. Again, I am disputing these charges due to the facts my insurance company paid XXXX XXXX. 

SW CRDT SYS/ XXXX XXXX XXXX  They Claimed I owned XXXX dollars when I did not have internet service the year, they claimed I start service with XXXX. I started my internet service with XXXX when I started working for the company XX/XX/XXXX, until now I still have their service at my current location. I do not own any past balance to SW CRDT SYS or XXXX XXXX I am asking for this charge to be deleted to my credit files Immediately. 

XXXX XXXX XXXX : I do not recognize this debt never done business with this company also never received a bill from that company. I am asking for this charge to be deleted to my credit files Immediately. 
XXXX XXXX / XXXX  XXXX XXXX : THIS DEBT WAS PAID BY MY INSURANCE COMPANY I PROVIDED ALL THE EVIDENCE TO THE CREDIT BUREAUS. I am asking for this charge to be deleted to my credit files Immediately. 
XXXX  XXXX : I do not recognize this debt never done business with this company also never received a bill from that company. 
In conclusion asking to delete these debts from my credit file ASAP as we failed to provide proof of service. We have 30 days If we fail to do so we will hear from my attorney I look forward taking this to court. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation