Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: NJ

Complaint narrative:
Today, XXXX XX/XX/XXXX, I saw emails from XXXX credit card and XXXX  reporting a major change in my credit score. In XXXX, they showed that my credit rating dropped XXXX points due to XXXX unpaid bills being sent to collections. I called the collections company XXXX Southwest Recovery Services, XXXX ) and they reported that XXXX XXXX XXXX XXXXXXXX sent two unpaid bills in my name for XXXX XX/XX/XXXX {$1400.00} and XXXX XX/XX/XXXX {$100.00}. I told them I have never received bills from this company, that my utilities are not under my name but my XXXX 's, and that we do not even have gas in our home, but get oil. They sent me the document which they received to collect the debt which has been attached to this report. 
I then called XXXX who helped me report the fraud and we report it to each credit union. All credit unions should now be paused and have been alerted for the fraud. It is under investigation by XXXX, now. I called XXXX & XXXX to get further information and they tell me there are 4 accounts with my name, all of which are delinquent and are in the state of Texas. I have never been to Texas before, and have been a life-long resident of New Jersey , in which I have owned a home in since XX/XX/XXXX. They are investigating the accounts now that they see it is fraudulent and a police report has been made. Police Report case number XXXX was made in XXXX XXXX, New Jersey. XXXX & XXXX tell me that they will resolve the issue after investigation which can now happen with the police report. They tell me this will hopefully be taken off of my credit report and my points be restored. 
A secondary issue I am now facing is that when I reported the fraud to XXXX  credit bureau, they said that there is a secondary debt in collections, to which I was never notified about and which is not in my XXXX  credit report. This they tell me debt is held by XXXX XXXX XXXX  agency, and was from the company XXXX XXXX ( phone number XXXX ). The person I spoke to was not helpful with giving me any information except the phone number to contact the collectors. When I call the phone number, the people can not give me any information because I would not give them my social security number, and only would provide my name and phone number, as I do not know who they are and clearly someone has my personal information. The contact to this phone number also did not seem to be a professional business, as they picked up the phones as though it was a personal phone number. I am looking to contact the company to which sent me to collections, XXXX XXXX, but I can not find them when I do a search for them. 

I would like to add that a few years ago, approximately XXXX, I had be infrequently receiving mail from XXXX regarding a supposed account of mine under the name XXXX XXXX XXXX this name may not be exact, I do not remember the exact spelling off the top of my head ). I called XXXX to get further information about this and they told me there are no accounts aside from my personal one which is under my legal name, and that there is no information for the " XXXX XXXX '' which I got mail for to my then residence. I do not have access at the moment, but will get the information tomorrow, but I believe I remember this name/alias coming up on background checks of mine ( done for the purposes of employment. I went to report this to the police but they said I could not make a report because there had not been any actual bills or loans taken out in this name.

Company response to consumer: Closed with explanation