Consumer complaint received 2023-05-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (NY)

Before I proceed with hiring an attorney to investigate this case, I kindly request that you remove this item from my credit record with all credit bureaus. To clarify why I know I don't owe XXXX anything, I suggest you carefully read the following explanation. I may have reiterated certain points to ensure that the seriousness of this matter is fully understood. 

For your information, I possess old bank statements that demonstrate my payments to XXXX, which will align with my XXXX account records. These statements serve as evidence that my account was up to date. If you claim that XXXX provided you with information suggesting otherwise, I demand that you provide me with proof of their allegations. Failure to do so may result in legal action against you. 

While I believe that Southwest or XXXX is responsible for this harassment, Southwest must present any correspondence they received from XXXX, including the notices they allegedly mailed to me ( along with the corresponding address ). Furthermore, I require a detailed explanation of the nature of this " collections '' account. 

I have chosen not to email Southwest regarding this matter, as I have already disputed their claims multiple times in the past. I have endured three years of relentless harassment, and I want to emphasize that I do not owe them anything. If you persist in harassing me and negatively impacting my credit, I will have no choice but to involve my attorney and pursue legal action against you. 


I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. 

This item XXXX XXXX XXXX disputed by XXXX  ( XXXX ), for {$250.00} opened XX/XX/, Internet/cable, is inaccurate because I moved to New York where XXXX does not serve this area. XXXX told me that I wont be charged for anything and then they showed up on my credit. We were on a recorded line so that should be reviewed. I also made a {$25.00} payment to a future bill and did not receive a refund. I was told that I would not be charged because I did not cancel the service. I had my service paused while my items were in storage then called them to start service in XXXX where they do not serve.. NEVER CANCELLED. This charge is a fraud. I can not control where I move and where they can not serve their customers. I will be forced to file a complaint if this keeps destroying my credit. 

Reported By : Southwest Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX I have disputed this many times and they still won't stop harassing me. 

" Here are the supported documents showing that I do not owe XXXX anything. I paused my account in XXXX during my move ( until I received a new address ). I also paid an extra XXXX dollars which I want back. Then I called them to turn on my service in XXXX XXXX XXXXXXXX. That is when they told me they do not serve NY. They told me I did not have to return any equipment or do anything. XXXX sold this account to Southwest and have been messing up my credit for a couple of years now. '' Thank you.