Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

I am writing to formally dispute the collection account reported by " Southwest Credit Systems '' on my credit report and to request an investigation into their practices and compliance with federal consumer protection laws. 

XXXX. Lack of Validation Information : According to 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information upon request. Despite my repeated requests, " Southwest Credit Systems '' has failed to provide the necessary validation information for the alleged debt. This failure to provide validation before placing the collection account on my consumer report is a clear violation of this regulation.

2. Right to Dispute : Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the validity of a debt. However, " Southwest Credit Systems '' has not provided me with a proper opportunity to dispute the account, nor have they acknowledged or addressed my disputes in accordance with this regulation. 

XXXX. Misleading and Deceptive Practices : I believe that " Southwest Credit Systems '' is in violation of the Fair Debt Collection Practices Act ( FDCPA ) by employing false, misleading, and deceptive means in their collection practices. Their conduct is not only unethical but also in direct violation of federal regulations protecting consumers from such practices. 

XXXX. Unauthorized Reporting and Disclosures : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency is prohibited from furnishing any account to a consumer reporting agency without first providing all required disclosures. " Southwest Credit Systems '' has not adhered to these requirements, thereby violating my consumer rights. 

XXXX. Proof of Licensing and Bonding : Additionally, I request that " Southwest Credit Systems '' furnish proof that they are licensed and bonded as required by state and federal law to engage in debt collection activities. This documentation is necessary to ensure their legitimacy and compliance with legal standards. 

Request for Action : I dispute owing any and all debts to " Southwest Credit Systems '' I request immediate debt validation, including the purchase agreement between and the original creditor.

I revoke any and all rights " Southwest Credit Systems '' may have to communicate with me through email, text, or phone calls. 
I request proof that " Southwest Credit Systems '' is licensed and bonded to collect debts. 
I request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against " Southwest Credit Systems '' for their non-compliance with the aforementioned regulations. I also request that you assist in ensuring the removal of the disputed collection account from my credit report until proper validation and proof of licensing and bonding are provided. 

Thank you for your attention to this matter. Please confirm receipt of this letter and provide me with an update on the progress of your investigation. 

Sincerely,