Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: WA

Complaint narrative:
Date : XX/XX/XXXX To : Office of the Attorney General Consumer Protection Division XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX From : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX Subject : Formal Complaint Against Southwest Recovery Service and XXXX regarding Identity Error and Fraudulent Debt Reporting To the Office of the Attorney General, I am filing this formal complaint to request an investigation into the practices of Southwest Recovery Service and XXXX. These entities are reporting inaccurate, fraudulent information on my credit file concerning a debt I do not owe, for a state in which I have never resided. 1. Verification of Identity and ResidencXXXX My legal name is XXXX XXXX XXXX, as documented on my government-issued identification. I have been a continuous resident of XXXX, Washington, since XXXX. I have never lived in, worked in, or traveled to the state of Texas. Despite providing XXXX with copies of my legal ID, they persist in reporting my name incorrectly as " XXXX XXXX XXXX. '' This naming discrepancy, combined with the reporting of a Texas-based debt, strongly suggests a " mixed file '' error or a failure to perform due diligence in identity verification. 2. Disputed Debt and XXXX XXXX XXXX XXXX Southwest Recovery Service is reporting an unpaid utility bill of {$520.00} dated XX/XX/XXXX. This claim is factually impossible for the following reasons : Location : The debt originates from Texas ; I was living in XXXX, WA, during the entire period in question. Housing Status : From XXXX until XX/XX/XXXX, I resided in subsidized housing at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, WA XXXX ), managed by XXXX XXXX. Utility Inclusion : My lease agreement for the past 18+ years explicitly included all utility costs within the rent. I did not hold, nor was I required to hold, an independent utility account during this period. XXXX. Impact and Previous Efforts to Resolve I have officially moved to my current address at XXXX XXXX XXXX XXXX as of mid-XXXX XXXX. This fraudulent collection has severely impacted my credit score and financial standing. I have previously attempted to resolve the naming error and the fraudulent debt with XXXX, but they have failed to correct my file or remove the inaccurate collection. 4. Formal Request for Action I am requesting that your office intervene to ensure : Southwest Recovery Service immediately ceases collection efforts and removes the fraudulent reporting from all credit bureaus. XXXX corrects my legal name to XXXX XXXX XXXX and deletes the unsubstantiated Texas utility debt from my credit history. Attached to this letter are copies of my current Washington State ID, my current lease at XXXX XXXX XXXX XXXX, and documentation confirming my XXXX residency at XXXX XXXX XXXX XXXX where utilities were included in my rent. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX XXXX. ( Phone Number ) ( Email Address )

Company response to consumer: Closed with explanation