Consumer complaint received 2025-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute Against Southwest Credit Systems , LP for FCRA and FDCPA Violations To Whom It May Concern, I am writing to formally dispute the reporting of an account by Southwest Credit Systems , LP , located at XXXX XXXX XXXX, XXXX, TX, XXXX, to the credit bureaus. The account number in question is XXXX. This dispute is being filed under my rights pursuant to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), as Southwest Credit Systems , LP has violated multiple provisions of these laws. 

FCRA Violations : 15 U.S.C. 1681e ( b ) - Inaccurate Reporting : The information furnished to the credit bureaus contains inaccuracies in the reported date and condition, violating the requirement to maintain maximum possible accuracy.

15 U.S.C. 1681i ( 5 ) ( A ) - Failure to Correct Inaccurate Information : Despite my right to dispute, Southwest Credit Systems , LP has continued reporting erroneous information without proper investigation or verification.

FDCPA Violations : 12 CFR 1006.34 ( b ) ( 5 ) - Failure to Provide Validation Information : The collection agency has failed to provide the required validation information before placing the collection account on my credit report.

12 CFR 1006.34 ( c ) ( 4 ) ( i ) - Lack of Opportunity to Dispute : I was not given a proper chance to dispute the account before it was reported to consumer reporting agencies.

12 CFR 1006.34 ( d ) - Deceptive and Misleading Collection Practices : The agency has engaged in false and misleading misrepresentation by failing to provide disclosures required by law.

15 U.S.C. 1681s-2 ( 7 ) ( A ) - Unauthorized Reporting : The agency has no legal authority to furnish account information to a consumer reporting agency without proper disclosure and validation.

Additionally, this collection agency has no license to collect debts in the state of Tennessee.

Given these violations, I am demanding the following actions : Immediate deletion of this account from my credit report due to the inaccurate and unverifiable nature of the information being reported.

Debt validation, including but not limited to, the purchase agreement between Southwest Credit Systems , LP and the original creditor. 

Proof of licensing and bonding in the state of Tennessee, demonstrating that Southwest Credit Systems , LP has the legal authority to collect debts in my state. 

Additionally, I am exercising my rights under the FDCPA to revoke any and all communication via phone calls, emails, and text messages regarding this matter. 

If these demands are not met, I will have no choice but to escalate my complaint by taking legal action against Southwest Credit Systems , LP for willful noncompliance with federal regulations. 

Please acknowledge receipt of this dispute and provide a formal response in writing regarding the resolution of this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CC : Southwest Credit Systems, LPXXXX XXXX XXXX, XXXX, TX, XXXX

Company response to consumer: Closed with non-monetary relief