Consumer complaint received 2018-04-04
Company: Southwest Credit Systems, L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 @ XXXX XXXX I called SWC and spoke with XXXX. After the initial greeting I informed XXXX that my phone call was being recorded and proceeded to ask 3 questions : ( 1 ) Who is SouthWest Credit? ( 2 ) How did SWC obtain this physical address as a mailing address considering that's information was not disclosed by me and does not match the address on the account ( 3 ) What physical contract/agreement exist between SWC and this or any XXXX XXXX? 

The customer service rep ( XXXX ) became despondent after several failed attempts to verify the account, so XXXX hung up on after we had only been n the phone for 4 minutes and 17 seconds. This behavior proves that professionalism is far from the central values of SWC, which raises questions about there proficiency to adequately and accurately verify and report collections. 

I reached out to SWC for a second and spoke with XXXX who already the account pulled up using the phone number I called from. XXXX proceeded with SWC verification process by providing me with a physical address, then asking if it was a past or present address ( PAUSE ). Did XXXX just disclose the personal information of an alleged SWC account holder to a person that has yet to be properly identified? YES! According to FCRA a consumer reporting agency may provide information about you only to people with a valid need usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. XXXX did not verify who she was speaking with before disclosing the physical address of that account holder and I never identified myself as an agent of a creditor, insurer, employer, landlord, or other business with a valid need for this information. So, for a second time, we see inconsistencies with SWC protocol and procedures for accurately verifying and reporting collections. 

After I become dissastified with XXXX 's cavalier disposition and lack of proficiency during our discourse, she offered to connect me with her Executive who never picked up phone or returned my phone call. Words are one thing, but everyone reading this correspondence knows that having an actual recording brings this to another level. So SWC has 10 days to report to the credit agencies that the debt assigned to accts XXXX and XXXX are not associated with this XXXX XXXX or this recording will be made public and I promise you your office will experience a flurry of calls from unwitting consumers who have fallen for your predatory tactics. I WILL WIN! This is about my livelihood, if you make your money by jamming other people up, that's your business, but you won't do it to me. 

SWC has a legal obligations under the FCRAs Furnisher Rule. Your responsibilities include : furnishing information that is accurate and complete. This information is inaccurate and incomplete, which means you are in violation of FCRA, sending a response thats says you are in compliance doesn't make it true either, so don't waste your 's or my time ( XXXX ). The only way for SWC to be in compliance after this encounter, with incomplete and unverified information, a consumer voice recording of not one but 2 SWC employees who could not adequately assist a consumer after delvulging personal information of acct holders, is go ahead and report is as an error to the credit agencies have this removed so SWC can bow out gracefully. As you can see I'm one of those consumer 's who doesn't stop, won't quit, and will fly to your headquarters to meet you in person, with the XXXX XXXX XXXX, to resolve this matter if necessary. Don't think that XXXX is shell address for your call center cause I do have the physical location of that as well. Thank you

Company response to consumer: Closed with explanation