Consumer complaint received 2022-11-01
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX and XX/XX/XXXX, I called XXXX XXXX which is the original reporter of {$260.00} in collections on XX/XX/XXXX and updated by Southwest Credit Systems to {$420.00} on XX/XX/XXXX. In speaking with XXXX XXXX, XXXX 's representative, I provided all of my identifying information i.e. name, addresses, phone, zip codes of past residents. She could not find any record of me having a debt or history service with those identifiers. She stated along the lines that " ... XXXX XXXX is such a common name. '' I asked about paying the collection on my credit reports, explaining the amount of the collections and she said, '' I'm with the billing department and I'm telling you we do not have you in our system. '' When I asked how I could get the collection charges off my credit reports, she explained again having no record of me in their system based on the zip codes, addresses where the services would have been provided. She stated, '' You can file a dispute. '' I decided to call XXXX XXXX again on XX/XX/XXXX, and spoke with XXXX, who confirmed the same things. I asked her about Southwest Credit Systems and she stated she does not know about them but heard of them. I asked if Southwest Credit provides cable services through XXXX XXXX and she said " No ''. I have never initiated any form of credit services with Southwest Credit Systems, have never had cable or communications services, accounts, or agreed to services with that company. 

I called Southwest Credit Systems ( SWC Group ) XXXX XXXX XXXX # XXXX, XXXX, TX XXXX, to verify the information they had to post collections on all of my credit reports. They informed me of the account was sold to them by XXXX XXXX XXXX The account sold by their collections to SWC Group was # XXXX at residence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and was placed in collection XX/XX/XXXX. I made the agent aware our family did live in the apartment development in a different apartment unit and had active service with XXXX  up until moving on XX/XX/XXXX. She expressed I needed to call XXXX XXXX 's fraud line to make a report which I will do. I asked her to remove this false collection report from my credit reports. It should be policy that no company or agency that buys third and fourth party debts be allowed to tarnish a consumer 's credit report without concrete verifications prior to soiling on the person 's credit report. They could have looked at my address history and seen I never stayed at XXXX XXXX. Seeing a similar address or matching phone gives debt collectors a wall to throw something against to make an issue often to the economic hurt of consumers. Employers, leasers, and lenders all judge people by our credit reports, which is not good either. False and inaccurate reporting can be devastating. This costs consumers in so many ways that is should not be easy to post negative data unless the companies report a legal first party contract history with the consumer. We were paying XXXX on time for years, we pay cell phones on time for years, utilities etc., yet nothing goes toward building positive credit history. I need for XXXX XXXX and Southwest Credit Systems to remove their errant collection accounts from my credit reports.

Company response to consumer: Closed with explanation