Consumer complaint received 2024-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MO

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Formal Dispute of Debt Reporting by XXXX XXXX  XXXX XXXX XXXX writing to formally dispute the inaccurate and unlawful reporting of a debt by XXXX XXXX XXXX on my credit report. This account, which I believe to be incorrect and non-compliant with federal law, is being reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. 

Upon reviewing my credit report, I discovered that XXXX XXXX  XXXX has reported a debt that I believe is false, outdated, and improperly handled. The details of the disputed account are as follows : Creditor XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$750.00} Date Reported : Violations of Consumer Protection Laws : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 XXXX XXXX  XXXX is in violation of 15 U.S.C. 1681i, which mandates that information reported to credit agencies must be accurate and verifiable. As I have disputed this debt, SoXXXX XXXX XXXXXXXX must conduct a full and thorough investigation into its validity within XXXX  days. If they can not verify the debt, the entry must be removed immediately. 

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Under 15 U.S.C. 1692g, I am requesting that XXXX XXXX XXXXXXXX validate the debt, including providing proof of the original creditor, the amount owed, and an agreement I signed acknowledging the debt. Failure to provide this information requires them to cease reporting this debt on my credit report. 

XXXX XXXX XXXX XXXX ( XXXX ), 15 U.S.C. 1601 et seq. 
XXXX XXXX XXXXXXXX must comply with the XXXX, which regulates the collection and reporting of debts. If they are not in compliance, their actions are unlawful. 

The Truth in Lending Act ( XXXX ), XXXX XXXX. XXXX XXXX XXXX  XXXX must provide a full disclosure of the terms of the debt, including any fees, interest, or charges applied. If they fail to do so, this debt is invalid, and they are prohibited from reporting it. 

XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX. XXXX If XXXX XXXX XXXX has violated any provisions of the XXXX, such as not adhering to legal reporting requirements or failing to provide accurate verification, I demand immediate removal of the derogatory entry. 

As stipulated under the FCRA ( XXXX XXXX. XXXX ), I demand that XXXX XXXX  XXXX provide verification of this debt within XXXX  days. If they can not substantiate the debt, this information must be permanently removed from my credit report. 

I also request the following documentation be provided to me : XXXX that XXXX XXXX XXXX is authorized to collect this debt. 
A breakdown of the debt, including the original creditor and amounts owed. 
A copy of the original signed agreement, if any. 
The payment history and any other relevant documentation. 
If XXXX XXXX XXXX fails to provide the requested validation or documentation, this debt must be deleted from my credit report immediately under FCRA XXXX ( b ), as the reporting will be deemed inaccurate, incomplete, or unverifiable. 

Please confirm receipt of this letter and provide a resolution to this matter within XXXX  days, as required by the FCRA and FDCPA. If this issue is not resolved satisfactorily, I will file formal complaints with the CFPB, FTC, and other regulatory bodies, and consider legal action for any damages caused by this unlawful reporting. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief