Consumer complaint received 2021-01-15
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed a copy of my credit report, and notice that there were several inaccurate accounts being reported to my " THE ORIGINAL CREDITOR '' credit file. 

Around XX/XX/XXXX, I " THE ORIGINAL CREDITOR '' put in a dispute to have third party debt collector " SOUTHWEST CREDIT '' to stop reporting to my credit file and remove the alleged debt from my credit file as these alleged debts do not belong to me nor did I authorize them to be open my consent was not given for my information to be furnished ( 15usc 1692 j ( a ) ). 

I than put in a complaint with the cfpb/ftc stating that I was not the owner of this alleged debt with the entity southwest credit system and to complain that my information was furnished without my the federally protected consumer consent 15 usc 1692 j ( a ) ( b ), to a third party entity southwest credit which have no legal rights per the ftc/fdcpa ( 15 usc 1692i ( b ).

My dispute that I put in with the cfpb was believed to be resolved as the assessment of the dispute came back that the accounts with third party debt collector " SOUTHWEST CREDIT '' were indeed inaccurate and was removed from my credit file ( this assumes guilt, as a legal contract would not have been deleted ).

The removal of the two alleged accounts that came from the third party debt collector " SOUTHWEST CREDIT '' in the total amount of {$920.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ). one account total {$150.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ), the other alleged account for the total of {$760.00} ( 15 usc 1692 e ( a ), ( 15 usc 1692b ( 2 ) ), was removed from my credit profile as shown in exhibit a attached to this complaint.

I reached out to third party debt collector " SOUTHWEST CREDIT '' to verify, as I am a natural person per ftc definition, and capable by law of doing so, to find out how my personal information was ILLEGALLY obtained without my consent ( 15 usc 1692 j ( a ) ), and to invoice the third party debt collector " SOUTHWEST CREDIT '' for the violations they were found in violation of per 15 usc 1692j ( b ). 15 usc 1692k ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( to " THE ORIGINAL CREDITOR '' which is myself.

During the recorded and monitored phone call that took place on XX/XX/XXXX.. I spoke with several employees of southwest credit whom were deceptive in their speech ( 15 usc 1692 e ) stating that I " THE ORIGINAL CREDITOR '' owe an alleged monetary debt and the entity " SOUTHWEST CREDIT '' is not a debt collector, harassing ( 15 usc 1692 d ), as they implied repeatedly, that I was not " THE ORIGINAL CREDITOR '' and was RESPONSIBLE for this alleged debt.

Representative XX/XX/XXXX ( spelling check ) was the first agent I spoke with. The agent was hostile and oppressive ( 15 usc 1692 d ) as he consistently implied that I was indeed liable for this alleged debt in the amount of {$930.00} ( 15 usc 1692e ( a ), ( 15 usc 1692b ( 2 ) ), and that " SOUTHWEST CREDIT '' had legal rights ( 15 usc 1692 i ( b ) ) to my PRIVATE consumer information which is indeed a violation as no third party debt collector has rights to my " THE ORIGINAL CREDITOR '' original information without MY consent per 15 usc 1692c.

I was transferred to representative XX/XX/XXXX ( spell check ) was hostile in her tone as she falsely stated that the entity southwest was not a third party debt collector ( 15 usc 1692e ) nor were they a debt collector ( 15 usc 1692e ). The agent stated " they ( SOUTHWEST CREDIT ) only collected on behalf of XX/XX/XXXX. This is an admittance to having my the original information without my consent, as well as unfair practice 15 usc 1692f ), and ( 15 usc 1692e ) as they south west would not make clear their position to obtain my personal information.

Finally the finance department XX/XX/XXXX ( spell check ) was very rude and hostile ( 15 usc 1692d ) as she informed me they the entity south west could not zero out the balance which cause me anxiety thinking about the further damage to my character ( 15 usc 1692e ( a ), ( 15 usc 1692b ( 2 ) ), and to feel oppressed ( 15 usc 1692d ), because if they deleted the accounts from my credit report, why couldn't they zero out the balance. This made me feel inferior to them. Gisele, informed me that I was not entitled to any funding per 15 usc 1692 k, and the law does not state ( 15 usc 1692 j ), nor 15 usc 1692 k ) .and told me there was nothing more she could do for me before ending the call.

PLEASE VERFIFY RECORDED PHONE CALL WITH SOUTHWEST CREDIT AND MY SELF THE ORIGINAL CREDITOR as it is not on me the FEDERALLY PROTECTED COSUMER to verify any information.

On XX/XX/XXXX, I received a blank envelope in the mail, with a letter label/logo " Southwest Credit '' which is a violation of the ftc 15 usc 1692 e ( 14 ) ( B ), in the mail from the third party debt collector south west credit stating that if I did not respond within 30 days of their notice, the alleged accounts they say I allegedly owe in the amount of {$150.00} ( 15 usc 1692b ( 2 ) ), ( 15 usc 1692e ( a ) ), would go into collections. This is harassment and abuse per 15 usc 1692 d ( 1 ) as they have cause ruin to my reputation with potential lenders 15 usc 1692d. Letter from the third party debt collector southwest creditor is attached as exhibit c.

I immediately contacted the third party debt collector south west creditor by phone on XX/XX/XXXX @ XXXX  XXXX, to inform them they had violated my consumer rights again as i had asked them to cease and desist ( 15 USC 1692 C ( B ) ( C ) all forms of communication with me the original creditor through all mediums ( 15 USC 1692C ( C ) as the alleged account was disputed, verified and deleted from my credit profile.

I upon the beginning of this call on XX/XX/XXXX, I asked for any information to be emailed to me including any possible interest fees, finance charges, or security interest and any other information, which was never received ( 15 usc 1692g ). I was told that the third party debt collector southwest doesn't have that information, which is false information ( 15 usc 1692 e ( a ) ).

I then asked the representative what was the relationship between southwest creditor and XX/XX/XXXX, and on this recorded and monitored phone call, the representative informed me that they, the entity southwest credit was indeed a third party debt collector.

I than asked her to put in for another cease and desist through all communication mediums ( 15 USC 1692 B ), and to transfer me to the finance department. the representative put me on hold, and than proceed to tell me that the finance department was closed ( misleading and false statement to collect a debt ( 15 usc 1692e ) and that I could leave a message.

I waited on hold, and was received again by XX/XX/XXXXin the finance department of which I was told was closed. Again XX/XX/XXXXwas again hostile and oppressive ( 15 usc1692d ) causing me further stress as I tried to explain my argument. Gisele informed me, " THE ORIGINAL CREDITOR '' that I was NOT the original creditor, and that XX/XX/XXXX( the ORIGINAL DEBTOR ), was the original creditor ( which would imply that southwest is indeed a third party debt collector 15 USC 1692I ( b ) ), and that I, " THE ORIGINAL CREDITOR '' was just a customer, a consumer of XX/XX/XXXX.

I informed her that she was incorrect, and that i wanted to collect per ( 15 usc 1692k ) the sum of {$1000.00} for each of the violations " SOUTHWEST CREDIT '' was in violation of. XX/XX/XXXX, again informed me that I had no right which was a disgrace to me " THE ORINIGANL CREDITOR '' ( 15 USC 1692 e ( A ), ( 7 ), made me feel oppressed ( 15 usc 1692d ) as her language was obscene ( 15 usc 1692d ( 2 ) ), Gisele made me feel unknowledgeable about my consumer rights, as she told me I would need a lawyer ( pain and suffering violation 1k ) per 15 usc 1692 k ). she implied I was wasting her time, and ultimately she hung up on me the federally protect consumer.

ANY PERSON WHO VIOLATES THIS SECTION SHASLL BE LIABLE TO THE SAME EXTENT AND IN THE SAME MANNER AS A DEBT COLLECTOR IS LIABLE UNDER SECTION 1692K OF TJIS TITLE FOR FAILURE TO COMPLY WITH PROVISION OF THIS SUBCHAPTER ( 15 USC 1692 J, ( 15 USC 1692 K ( 1 ), ( 2 ) ( A ) In a case of ANY action, pay 1,000 or ; 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests.

Company response to consumer: Closed with explanation