Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
NATURE OF COMPLAINT This complaint concerns violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and consumer protection regulations under the Consumer Financial Protection Act, 12 U.S.C. 5531. 

STATEMENT OF FACTS Account Details : Creditor : Southwest Credit Systems LP Reported Balance : {$1000.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Account Status : Open, Placed for Collection Account Age : 5 months Violations Identified : A. FCRA VIOLATIONS- INACCURATE REPORTING The account shows contradictory and impossible information that violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information. 
Specific Issues : Impossible Timeline : The account shows as " Opened : XX/XX/XXXX '' while simultaneously showing " Placed for collection '' with a last report date of XX/XX/XXXX. This indicates the account was allegedly opened and placed into collections within approximately 5 months, which is commercially unreasonable and suggests reporting errors. 
Status Contradiction : The account shows as both " Open '' and " Placed for collection '' simultaneously, which are mutually exclusive statuses under standard credit reporting practices. 

XXXX XXXX : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - held that debt collectors must verify the accuracy of information before reporting to credit bureaus. 
B. FDCPA VIOLATIONS - UNFAIR PRACTICES Southwest Credit Systems LP appears to have engaged in unfair and deceptive practices in violation of 15 U.S.C. 1692e and 1692f. 
Specific Violations : False Representation of Account Status ( 15 U.S.C. 1692e ( 2 ) ( A ) ) The collector has reported contradictory account statuses, creating confusion about the true nature and status of the alleged debt. 
Lack of Proper Validation ( 15 U.S.C. 1692g ) I have never received proper debt validation from Southwest Credit Systems LP, including : Proof of original creditor relationship Itemization of the alleged debt Documentation of their legal authority to collect Account statements or original contract Unfair Collection Practice ( 15 U.S.C. 1692f ) Reporting inaccurate information to credit bureaus constitutes an unfair practice designed to coerce payment. 

XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - addressed collector 's duty to provide accurate information XXXX v. XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - inaccurate credit reporting can constitute FDCPA violation C. FCRA VIOLATIONS - FAILURE TO CONDUCT REASONABLE INVESTIGATION TransUnion has violated 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) by failing to conduct a reasonable investigation into disputed information. 
Violations : Failure to Verify Accuracy : TransUnion has maintained clearly contradictory information without proper investigation. 
Continued Reporting of Unverified Debt : Despite the obvious inconsistencies, TransUnion continues to report this information, damaging my creditworthiness. 

XXXX XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) - credit reporting agencies must conduct reasonable investigations XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX. XXXX ) - superficial investigations are insufficient XXXX XXXX XXXX VIOLATIONS ( 12 CFR 1022.42 ) Both Southwest Credit Systems LP and XXXX  have violated the CFPB 's accuracy requirements for furnishing consumer information. 
Specific Violations : Failure to Establish Reasonable Policies ( 12 CFR 1022.42 ( a ) ) The respondents have failed to establish reasonable written policies to ensure accuracy. 
Failure to Investigate Direct Disputes ( 12 CFR 1022.42 ( b ) ) [ If applicable : Include if you previously disputed directly with the furnisher ] HARM SUFFERED As a direct result of these violations, I have suffered : Damage to Credit Score : The collection account has significantly lowered my credit score by [ estimated amount if known ] points. 
Denial of Credit : This negative item has caused [ denial of credit applications, higher interest rates, etc. ]. 
Emotional Distress : The stress and anxiety caused by dealing with inaccurate reporting and unlawful collection activities. 
Time and Resources : Countless hours spent attempting to resolve this matter and monitoring my credit reports. 
Reputational Harm : False reporting of a delinquent account damages my financial reputation.

Company response to consumer: Closed with non-monetary relief