Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint to report an inaccurate, unauthorized, and unverified account from SOUTHWEST RECOV, listed under account number XXXX, appearing on my credit report as a derogatory collection account. I need to make it absolutely clear that I do NOT own this account, have never authorized such an account, and have never received any communication that would indicate that this alleged debt belongs to me. The reporting of this account is in error, and its presence is causing ongoing damage to my credit profile, financial stability, and personal reputation. 

The SOUTHWEST RECOV account is being reported as a collection/charge-off with derogatory status, showing a past-due balance of {$530.00}. I do not recognize the account, do not recognize the original creditor, and have never been notified about this alleged debt. Therefore, I am disputing it formally and reporting the issue to the Consumer Financial Protection Bureau ( CFPB ) due to the unresolved inaccuracies and clear violations of the Fair Credit Reporting Act ( FCRA ) and, if applicable, the Fair Debt Collection Practices Act ( FDCPA ). 

Below is a full and detailed explanation of what happened, why this account is inaccurate, and why CFPB intervention is required to achieve a lawful resolution. 

XXXX. The SOUTHWEST RECOV Account XXXX Is Not Mine I want to clearly emphasize that : I never opened any account connected to SOUTHWEST RECOV I have no relationship with the original creditor tied to this debt I have never received goods, services, or billing statements related to this account I never authorized another party to open an account on my behalf I have never received verification, notices, or communications for this alleged balance I have no knowledge or recollection of ever being associated with this alleged obligation Because this account is unfamiliar to me, never belonged to me, and has no connection to my identity or financial history, its reporting is factually incorrect, legally improper, and damaging to my consumer file. 

This account should never have been included on my credit report. 

XXXX. How This Inaccurate Reporting Likely Occurred Because this SOUTHWEST RECOV account is not mine, it is likely the result of one or more of the following : A. Identity Theft Someone may have used my personal information without my knowledge or consent. If identity theft occurred, SOUTHWEST RECOV has failed to demonstrate any identity verification procedures or fraud detection checks. 

B. Credit File Mixing or Merged Files Credit bureaus sometimes incorrectly merge the information of consumers with similar names, ages, or prior addresses. This can cause another individuals collection account to be incorrectly attached to my file. 

XXXX Reporting Error by SOUTHWEST RECOV SOUTHWEST RECOV may have furnished inaccurate consumer data or assigned a debt to the wrong individual due to : clerical error misidentification incomplete consumer information outdated or recycled data internal record errors XXXX Inaccurate or Corrupted Third-Party Data If SOUTHWEST RECOV received the account from a different collection agency or original creditor, the data could have been inaccurate before arriving in SOUTHWEST RECOVs possession. 

Regardless of the source of the error, the account does not belong to me and its reporting is improper. 

XXXX. I Filed Disputes With the Credit Bureaus, and No Valid Documentation Was Provided Upon discovering the SOUTHWEST RECOV XXXX account on my credit report, I filed official disputes with the credit bureaus. In my disputes, I clearly stated : I do not own this account I am disputing the accuracy of the information I request full validation I request documentation showing the account belongs to me I request removal if the debt can not be substantiated However, the responses I received from the credit bureaus were inadequate. In each case, the bureaus responded with a generic phrase such as : The furnisher verified the information as accurate. 

No verification documents were included. 

The bureaus provided none of the following : original creditor documentation a contract bearing my signature identity verification records application or service agreement billing statements itemized charges proof of service at my address communication logs fraud review documentation In other words, XXXX proof was provided to support the furnishers claim. 

This indicates that the bureaus failed to conduct a reasonable reinvestigation, violating FCRA 611. 

4. SOUTHWEST RECOV Failed to Validate the Alleged Debt Under federal law, SOUTHWEST RECOV must provide accurate, verifiable, and complete information if they intend to furnish data to credit bureaus. They must be able to produce : the original account agreement the signed contract or application identity verification documents proof of address matching billing history account statements itemization of charges proof the account was legally assigned to them chain of title and assignment records any letters or notices allegedly sent to me fraud screening documentation SOUTHWEST RECOV has provided none of these documents. 

They have failed to provide any evidence whatsoever connecting me to this alleged debt. 

Without full validation, they are legally barred from reporting the account under FCRA 623 and FDCPA 809 ( b ).

5. The Credit Bureaus Used e-Oscar Automated Verification Instead of a Proper Investigation Based on the generic dispute responses I received, it is clear that the credit bureaus relied on the automated e-Oscar system. This system : reduces disputes to short two-digit codes does not provide copies of documents allows furnishers to verify accounts without submitting evidence does not ensure that a human reviews the dispute often results in improper and incomplete reinvestigations This system is not compliant with the reasonable reinvestigation requirements under FCRA 611 ( a ) ( 1 ).

The bureaus relied solely on electronic responses, rather than verifying : signatures original records consumer identity account documentation As a result, the alleged SOUTHWEST RECOV account remains incorrectly reported, causing me ongoing harm.

6. Continued Reporting Is Causing Active Damage to My Credit and Financial Life Because SOUTHWEST RECOV is reporting this account as derogatory, it is negatively impacting : my credit score my ability to obtain loans my interest rates my creditworthiness in the eyes of lenders rental and housing applications insurance premium calculations employment background screenings This false account is causing real and ongoing harm to my financial stability and opportunities. 

This harm is unacceptable, especially since the account is not mine. 

7. SOUTHWEST RECOV Lacks Legal Standing to Report This Account To report any consumer debt or collection account to a credit bureau, a furnisher must : own the debt have legal authority to report it have complete records proving consumer responsibility verify identity before assigning the debt provide accurate and complete information SOUTHWEST RECOV has failed to demonstrate any of these requirements. 

Their reporting is legally deficient because they : can not show a contract can not show identity verification can not show itemization can not validate ownership of the alleged debt can not provide any documentation linking me to the account Under the FCRA and FDCPA, they have no legal authority to furnish this account. 

XXXX. Missing Chain of Assignment and Ownership Documentation If this debt was acquired from or assigned by another creditor, SOUTHWEST RECOV must provide : bill of sale assignment agreements chain of title account transfer records electronic data transmission logs They have produced none of these. 

This indicates that SOUTHWEST RECOV is reporting a debt they can not prove they own. 

XXXX. The FCRA Requires Removal of Any Information That Is Inaccurate or Unverified Federal law requires that any information that is : inaccurate misleading unverifiable unvalidated lacking documentation disputed without resolution associated with identity theft wrongly attributed to the consumer must be removed from the consumers file. 

SOUTHWEST RECOV XXXX meets all of these criteria. 

10. Why CFPB Assistance Is Necessary I am requesting CFPB involvement because : SOUTHWEST RECOV has not provided any verification the credit bureaus failed to conduct a lawful reinvestigation the account continues to appear on my credit report the reporting is inaccurate and damaging my rights under the FCRA and FDCPA have been violated I can not correct this issue without regulatory intervention Only the CFPB can enforce compliance and ensure the furnisher and bureaus act according to federal law. 

XXXX. Summary of What Happened To summarize : SOUTHWEST RECOV account XXXX appeared on my credit report. 

I do not own this account. 

I never authorized or opened this account. 

I do not recognize the alleged original creditor. 

I never received bills or communications about this debt. 

I disputed the account with the credit bureaus. 

No documentation or verification was provided. 

The credit bureaus relied on automated systems instead of real investigation. 

SOUTHWEST RECOV failed to validate the debt. 

The account is inaccurate and harmful. 

The account violates FCRA and FDCPA standards. 

I am requesting CFPB assistance to correct this error. 

Conclusion The SOUTHWEST RECOV account XXXX is not mine. It is inaccurate, unverified, unvalidated, and unlawfully reported. Because neither the credit bureaus nor SOUTHWEST RECOV have provided any proof linking me to this alleged debt, its continued reporting violates federal law. 

I am requesting that the Consumer Financial Protection Bureau ensure : a proper investigation legally required documentation permanent deletion of the account correction of all inaccuracies restoration of my credit integrity compliance with all federal consumer protection laws This is what happened and why I am filing this complaint.

Company response to consumer: Closed with explanation