Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, MD XXXX Email : XXXX Date : XX/XX/year> To : Southwest Credit Systems , L.P . 

RE : Request for Debt Validation, Cease and Desist of Collection, and FCRA Compliance Alleged Original Creditor : XXXX Reference/Account No. : N/A To Whom It May Concern : I am writing in response to your collection activity regarding an alleged debt with T-Mobile. I dispute this debt in its entirety and request full debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692e.

Basis of Dispute 1. You are not the original creditor and therefore must provide full proof of your authority to collect this debt.

2. The alleged debt has not been properly validated.

3. Continuing collection or legal action without validation may constitute violations of the FDCPA, including : Misrepresentation of the debts character, amount, or legal status ( 1692e ( 2 ) ( A ) ) ; Attempting to collect without first providing validation ( 1692g ( b ) ). 



Documentation Requested Please provide the following : XXXX. A copy of the original signed agreement with XXXX XXXX 
XXXX. A full accounting of the alleged debt, including principal, interest, fees, and adjustments. 
XXXX. Documentation proving Southwest Credit Systems has legal ownership of, or the right to collect on, this debt. 
XXXX. Documentation of the complete chain of assignment from XXXX to Southwest Credit Systems XXXX 
XXXX. Proof that your agency is licensed to collect debts in the XXXXate of Maryland.

6. A copy of the written notice required under 1692g ( a ).

7. The date the alleged account was opened, its current status, and full payment history.

Cease and Desist Demand Until and unless the requested validation is provided, you are hereby instructed to cease and desist all collection activity, including but not limited to : phone calls, letters, credit bureau reporting, and any pending or future legal action.

FCRA Compliance If this alleged debt is being reported to any consumer reporting agency, please take notice that under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are required to : 1. Mark the account as " disputed '' with all credit reporting agencies during the investigation.

2. Verify the debt with full documentation or delete it from all consumer credit files if you can not validate.

3. Refrain from reporting inaccurate or incomplete information, as doing so constitutes a violation of the FCRA and subjects your agency to liability.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Maryland Attorney Generals Office. I also reserve the right to pursue civil action for damages under both the FDCPA and FCRA.

This letter is not a refusal to pay but a lawful request for validation and a demand for cessation of unlawful collection and credit reporting activity. No portion of this letter should be construed as an admission of liability. 

You are required to respond to this request within 30 days of receipt. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief