Consumer complaint received 2020-06-19
Company: Southwest Credit Systems, L.P.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX  has sent my account to collections multiple times after charging me for service after I terminated my service. I contacted them multiple times to correct the bill, and finally stopped receiving statements. In XX/XX/XXXX, a collection agency sent me a letter stating I had a debt. I contacted them, explained the situation and disputed. The account disappeared again until XX/XX/XXXX where it reappeared with another collection agency. I contacted them, explained the situation and disputed. Recently the account has shown back up with Southwest Credit. I contacted SWC on XX/XX/XXXX and spoke with XXXX at XXXX, I explained the situation and stated I disputed the debt. On XX/XX/XXXX, the account showed up on my credit report- taking a substantial impact to my credit score. I presently have XXXX debt and all credit cards paid off. I contacted XXXX on XX/XX/XXXX at XXXX and spoke with XXXX . I explained the situation and was told a supervisor would review and contact me, I requested supporting documentation be sent to me as well. I was never contacted. I filed disputes with all XXXX credit reporting agencies. I received notification that the XXXX  dispute came back as " valid debt ''. I still did not hear back from SWC nor XXXX regarding this matter. I called SWC again on XX/XX/XXXX at XXXX and spoke with XXXX again, I explained the situation, was placed on hold and them disconnected. I called back again at XXXX and spoke with XXXX  ( spelling? ), i again explained the situation and requested a supervisor. I was told she would speak to the supervisor. I declined stating that is what i was told on XX/XX/XXXX and never heard back while in the meantime, this account is on my credit for another month. I was finally able to speak with a supervisor and recorded the call for my protection, by the name of XXXX, who stated this could be sent back to XXXX  for review. I asked about the timeline and I was told she could not give me one ... all while this is still sitting on my credit. She again stated I would need to send supporting documents, I requested that they send me supporting documents and proof of debt as I had yet to receive anything and in accordance with consumer protection laws, the creditor must provide proof of debt. I was told this would be sent back to XXXX  to request review. In the meantime I asked about just paying it to get it off my credit, and I would deal with recovering the money from XXXX  in small claims court as I had already filed a mediation request with the XXXX County Court to which XXXX  never responded. I was told that even paying it would not remove it from my credit as they do not do a " pay to delete ''. As this is close to going into another month and I am unable to get a clear answer as to how long this would take before falling into another month of impacting my credit, I reluctantly decided to pay this debt, because I felt i was forced to do so to avoid further credit damage while I wait for answers from these two companies that have been dragging this on for multiple months. This is now going to be taken to small claims court for resolution as I feel i was left with no other choice because these companies are using delay tactics and damaging my credit.

Company response to consumer: Closed with explanation