Consumer complaint received 2018-08-25
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:
Firstly, I admire the promptness by which Southwest Credit Systems responded to my complaint. Like I have stated in my previous complaint and in my letter to said company, I have no affiliation with them or their affiliate company ; nor am I affiliated with the addresses listed in the letters they supposedly sent me regarding this alleged debt. Namely, an XX/XX/2017 purportedly advising that they have been assigned a debt belonging to me. Once again, to the best of my recollection, I have had no dealings with Southwest or XXXX  excluding letters sent requesting validation of the alleged debt to help in my investigation. You have stated in your XX/XX/2017 letter that the alleged debt has been assigned to Southwest. I hereby request through this forum, evidence of such assignment giving rise authority for you to collect on this debt. I am also requesting debt validation in the form of documentary evidence bearing my wet ink signature evidencing a contractual relationship between myself and XXXX and/or Southwest Credit Systems. As it stands, I am of the belief that you are violating the FDCPA by furnishing inaccurate information to the Credit Reporting Agencies. It is my understanding that XXXX is a giant cable company, if I did in fact entered into a contractual relationship with them, which I have no recollection of ever doing, XXXX  and/or its affiliate Southwest Credit Systems should be able to furnish me with a signed agreement be it electronically or in paper form. Southwest sent me, what appears to be, bill statements. This means absolutely nothing to me and I implore Southwest to delete all negative account information it is currently reporting on my credit reports. Please provide me with XXXX  means of validation. I have no obligation whatsoever to contact XXXX and/or Southwest, they out to ensure that the information they are furnishing the Credit Reporting Agencies are accurate, verifiable and complete. Sadly, this is not the case here. It is to be noted that I have been a victim identity theft. The Federal Trade Commission and the US Department of Personnel Management are fully aware of this fact. The evidence submitted is not debt validation but merely account statements alleging a debt without the fundamental proof of contractual relations. Needless to say, I am a litigious person, and if this matter is not dealt with favorably and expeditiously, I will have no option but to initiate legal action to enforce compliance of the FDCA. Pursuant to FDCRA, all collection activities ought to be stopped during the window where debt validation is pending. SCW has NOT yet validated this debt and as such it should NOT be reporting on my credit report. In light of the foregoing, SCW is in violation of FDCPA, and notwithstanding prior violations previously submitted. Consequently, this complaint serves to engage the services of FTC and/or CFPB to ensure that my consumer rights are protected and are not infringed upon by SCW. Additionally, it is hereby requested that CFPB administratively order SCW to remove all negative information from my credit report and cease all collection attempts until they provide me with Full Validation of the alleged debt. All rights reserved to seek compensation for all violations already committed to by SCW through the appropriate legal channels.I trust that this step will amicably resolved this matter ; thus averting the need for litigation.

Company response to consumer: Closed with explanation