Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P. (NV)

Subject : Formal Notice of Violations and Request for Remediation Dear Southwest Credit Systems, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner Southwest Credit Systems has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2.

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and California Civil Code 1785.13.2. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and California Civil Code 1785.25 ( a ). I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ).

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by Southwest Credit Systems besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action.

Moreover, I insist on Southwest Credit Systems providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ).

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.

A fair and mutually beneficial resolution to the issues surrounding the unauthorized and unverifiable item reported on my credit report.

Recognizing the potential complexities and costs associated with litigation, it is imperative that Southwest Credit Systems takes immediate and decisive action to rectify the situation. Therefore, I demand the following actions : 1. Immediate Deletion of Unauthorized Item : Southwest Credit Systems must promptly and permanently remove the unauthorized and unverifiable item from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( A ) and California Civil Code 1785.25 ( a ). Furthermore, I demand strict adherence to 15 USC 1681b ( 2 ) and clear instructions to delete this collection account. Failure to comply will not be tolerated.

2. Cessation of Collection Attempts : I insist that Southwest Credit Systems immediately and permanently cease all collection attempts related to this disputed debt. This includes any communication, written or verbal, regarding the collection of the mentioned debt.

3. Written Confirmation of Deletion : Provide written confirmation of the deletion of the unauthorized item from my credit report. This confirmation should be sent to my address within 15 days of our agreement. Failure to provide timely confirmation will be considered further non-compliance.

This is not a negotiation but a demand for compliance with federal and state laws. Failure to act swiftly and decisively will result in legal action to protect my rights. I expect full cooperation from Southwest Credit Systems in achieving a swift and satisfactory resolution to ensure the accuracy and integrity of my credit report.