Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
Summary of Grievance and Chronology of Events This complaint stems from an alleged XXXX account ( [ Account Number, if applicable, otherwise omit or state " an alleged account '' ] ) for which I never received service, equipment, or a valid contract. Despite clear evidence of non-service from XXXX itself, this inaccurate debt was wrongfully placed on my credit report. My attempts to resolve this directly with XXXX were exhaustive, involving numerous phone calls and even a personal visit to a XXXX retail location where a XXXX tried to intervene by calling the internal call center on my behalf. Despite these persistent efforts, I consistently received the same " run around '' and couldn't get the issue rectified. 

My efforts to resolve this issue through standard dispute channels were met with a pattern of systemic failures and apparent deliberate non-compliance by the defendants : I repeatedly disputed this inaccurate tradeline with all major credit reporting agencies, including XXXX XXXX XXXX XXXX. While XXXX responsibly removed the erroneous entry, XXXX XXXX XXXX  have shown a disturbing disregard for accuracy and consumer rights. 

After an initial removal from XXXX XXXX XXXX the account was re-aged and reinserted onto my credit reports. This happened without any proper notice from either XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXXXXXX XXXX XXXX, directly violating federal law. I had to discover its reappearance through my own vigilant monitoring. 

In my continued efforts to resolve these inaccuracies and gather necessary documentation, I have also recently mailed separate " Full Consumer File Disclosure Request '' and " Method of Verification Request for Disputed Account '' letters to each credit reporting agency ( XXXX XXXX XXXX XXXX XXXX, further highlighting the ongoing nature of my attempts to gain clarity and ensure compliance. 

The debt furnishers, XXXX XXXX XXXX XXXX XXXX and Southwest Credit Systems , LP, despite receiving timely notification of my disputes from the credit bureaus, failed to conduct reasonable investigations into the alleged debt. Throughout this period, neither Southwest Credit Systems , LP nor XXXX XXXX XXXX XXXX XXXX ever mailed me any direct correspondence or validation for this alleged debt. Compounding this issue, the debt appears to have been transferred from Southwest Credit Systems , LP to XXXX XXXX XXXX XXXX XXXX, and then back to Southwest Credit Systems , LP, a pattern highly suggestive of an attempt to evade proper dispute resolution, validation processes, and direct communication. Notably, after the account returned to Southwest Credit Systems , LP, I received an unsolicited text message from them, the origin of which remains unclear, and approximately 2-3 weeks later, the inaccurate account reappeared on my credit report. Their responses consistently affirmed the debt 's validity without providing substantiating documentation, and they failed to communicate directly with me regarding their findings, showing a concerning lack of diligence.

The repeated reinsertion and re-aging of this false debt, combined with the furnishers ' inadequate investigations, seem to be part of a closed-cycle reporting structure designed to obscure proper dispute outcomes and prolong the reporting of inaccurate information.

This ongoing and unlawful conduct has caused severe and lasting harm, including a nearly 100-point drop in my credit score, direct financial losses due to denied financing ( forcing me to use savings for essential expenses ), significant emotional distress, reputational injury, and disruption to my academic and professional life.

Due to the pervasive nature of these violations and the defendants ' consistent failure to fix their errors through standard consumer dispute processes, I've had to escalate this matter. As of today, XX/XX/year>, I sent a formal pre-litigation settlement demand letter via certified mail to all five entities involved, outlining their specific violations and seeking comprehensive damages for the harm suffered. Furthermore, a civil lawsuit addressing these egregious violations was filed in [ Name of Court, e.g., United States XXXX XXXX for XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX, Illinois ] on XX/XX/year>. 

Specific Concerns and Allegations The combined actions and inactions of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Southwest Credit Systems , LP, Experian XXXX XXXX XXXX XXXX XXXX and Equifax XXXX XXXX XXXX XXXX and consistently violate state and federal consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My specific concerns, each an alleged violation, include : Reporting of Inaccurate Information ( FCRA 1681s-2 ( a ) ) : The continuous furnishing and reporting of a demonstrably false debt originating from an account with no valid service or contract. Furnishers have a duty to report accurate information.

Failure to Conduct Reasonable Investigation ( FCRA 1681i ( a ) ( 1 ) ( A ) for CRAs and 1681s-2 ( b ) for Furnishers ) : Despite my repeated disputes, both the credit reporting agencies ( XXXX XXXX XXXX and the debt furnishers ( XXXX, Southwest ) XXXX to conduct thorough, reasonable, and timely investigations into the accuracy of the disputed information, as mandated by the FCRA. 

Unlawful Re-aging of Debt ( FCRA 1681c ) : The practice of altering the date of first delinquency to improperly extend the period this alleged debt remains on my credit report beyond the legally permissible seven-year period, causing prolonged and unlawful negative impact.

Unlawful Reinsertion of Information Without Notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX repeatedly reinserted previously deleted inaccurate tradelines onto my credit report without providing the required five-business-day written notification, a direct violation of FCRA mandates designed to protect consumers. 

Unfair and Deceptive Debt Collection Practices ( FDCPA 1692e and 1692f ) : The conduct of XXXX XXXX XXXX XXXX XXXX and Southwest Credit Systems , LP, including the failure to provide direct validation correspondence, the apparent strategic transfer of the debt between agencies, and the use of unsolicited text messages for debt collection purposes, suggests the use of unfair or deceptive means to collect an alleged debt that lacks proper validation. 

Systemic Disregard for Consumer Rights : The consistent pattern of non-compliance across multiple defendants, including their failure to address my exhaustive direct attempts to resolve the issue with XXXX XXXX indicates a broader systemic disregard for their statutory duties and consumer protection.

Company response to consumer: Closed with non-monetary relief