Consumer complaint received 2021-08-14
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
on XXXX XXXX a letter was was sent to me by a company by the name of SOUTH WEST CREDIT i received this on XXXX XXXX in regards to a alleged debt that is owed .i would like to inform you that i am not interested in or will not make an attempt to pay this falsified debt..as a consumer which is stated in 15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.i am not obligated to pay this accused accusation by you .congress specifically placed the word ( 0r ) for a specific reason .i your letter that you sent to resident which i gave you NO consent to contact me and invaiding my privacy, in your statement in this letter you mentioned '' UNLESS YOU NOTIFY THIS OFFICE WITHIN 30 DAYS AFTER RECEIVING THIS NOTICE THAT YOU DISPUTRE ANY VALIDITY OF THIS DEBT OR ABY PORTION THEREOF, '' THIS OFFICE WILL ( ASSUME ) THIS THE IS VALID '' 1.you can not " VALIDATE ' a debt between a consumer and a creditor..i would LOVE yo inform you of the multiple VIOLATIONS you have committed in this letter:15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol , other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business..you have violated my rights twice in your initial letter which can be penalized by federal law.15 U.S. Code 1692e.False or misleading representations ( A ) the character, amount, or legal status of any debt 15 U.S. Code 1692d - Harassment or abuse ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader ... .TO ADD ON TO MY COMPLAINT I AM REFUSING!!! TO PAY YOU ( SOUTH WEST CREDIT ) and as a consumer i am DEMANDIND/WISHING you the debt collector ( SOUTH WEST CREDIT ) cease all communication with me the consumer, i have expressed my federal rights that has been giving to me by me, to educate you of my expression of my rights the statue below will describe my statement above more fluently. 15 U.S. Code 1692c - Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ;. For.. your understanding each of my rights that you have knowingly violated is valued at {$1000.00} by LAW /UNDER FEDERAL LAW, BE ADVISED!!! the following statue as follow:15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ... ALL COMMUNICATIONS BETWEEN ME AND THIS COMPNY WILL BE HELD FOR LEGAL PURPOSES!!!

Company response to consumer: Closed with explanation