Consumer complaint received 2020-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (VA)

Around XX/XX/XXXX of XXXX I was contacted by this company by a female representative about an outstanding debt with a former cable company, I informed her I would call back after the first of the year and make a payment. On XX/XX/XXXX I received a call from this company that I missed, upon calling back I spoke with a male representative who told me the balance was $ XXXX and that they would take a settlement for XXXX to pay off the account. I told him I had not received anything in the mail from this company and would like some kind of proof other than just someone calling me and saying I owe money. He informed me that they had allegedly sent something to my home address back in XXXX. I informed him it had not been received and that I would like it sent out again or if it was possible to be emailed so I could have it instantly. He informed me he could not email it that if I wanted email it would be handled by someone else and would take about 2 business days for me to receive it. I told him no problem and gave him my personal email address. I then asked if I could also be emailed a copy of the settlement offer as well and was informed that they could not email that information out and that if I would just pay it that day then they would send me a payed in full receipt. I once again stated that Im not going to give out my card information with no written proof of who this company is or who they are collecting money for. 

I never received any sort of email or regular mail from this company in the following weeks. 

On XX/XX/XXXX I checked my credit and found a collection had been added from this company, without them sending me any sort of proof that they are a legitimate company or that they were collecting for any sort of verifiable debt. 

On XX/XX/XXXX I reached out to the company for an explanation on this and why I had never received the documentation I had requested. After several transfers and phone calls I was finally transferred to a supervisor whom informed me that they had recorded my email address correctly but something on their end had caused the information I had requested, and am entitled to by law, to not be emailed to me. She then offered to email the information to me right then, I asked if it would include the settlement offer and was told that could be emailed as well, that is in direct contradiction of what I was told on XX/XX/XXXX. I was then told that they have a no deletion policy for credit reporting. After I pointed out that this issue would have been resolved 7 weeks ago and this never would have hit my credit report in the first place had have the company sent out the information I had requested and am entitled to by law and that if this was not removed from my credit report I would report this to the XXXX, the State collection board and the CFPB, she told me I would have to reach out to another department and that they would take care of it. She transferred me to this department and I was forced to leave a voicemail. 
They have failed to contact me in a timely fashion and at this point I would like this company investigated to the fullest extent of the law and any sort of fines or penalty 's that can be taken against the company as well as its employees, including but not limited to fines, license revocation, and criminal charges brought against its employees whom have failed to follow the law and their owners and managers who allow this type of criminal activity to happen within their company. 

Attached you will find the E-mail that was sent to me by the company on XX/XX/XXXX. As you can see it is nothing but a settlement letter, it in no way shape or form identifies the company or proves the debt is legitimate.