Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Southern Management Systems Inc.
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Against Southern Management Systems To Whom It May Concern, I am filing a formal complaint against XXXX XXXX XXXX, a collection agency, regarding their inaccurate reporting of a collection entry on my credit report associated with my tenancy at XXXX XXXX. 

Details of the complaint are as follows : 1. Inaccurate Reporting : The collection entry inaccurately references a judgment from XXXX XXXX. I, XXXX XXXX, assert that I extended credit pursuant to 15 USC 1602l, initiating the consumer credit transaction as reflected in the lease agreement with XXXX XXXX. I am the creditor in this arrangement, and the reporting of a collection and judgment is both misleading and erroneous. 

2. Violation of Fair Credit Reporting Act ( FCRA ) : Southern Management Systems ' actions may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1602l. The inaccuracies in reporting have the potential to harm my creditworthiness and financial reputation. 

3. Lack of Debt Validation : Despite my request for validation of the debt, XXXX XXXX XXXX has not provided sufficient evidence, including proof of the right to collect, documentation of a signed contract, or evidence of the chain of ownership of the debt. 

4. Request for Original Wet-Inked Signature : In the debt validation process, I am explicitly requesting Southern Management Systems to provide the original signed contracts containing my wet-inked signature. This includes any agreements, leases, or contracts related to the alleged debt. 

5. Liability Under 15 USC 1611 : I assert that Southern Management Systems may be liable under 15 USC 1611 for the violation of the FCRA. Any liability arising from inaccurate reporting and FCRA violations may result in legal consequences. 

Definitions : - Credit ( 15 USC 1602 ) : The right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payments.

- Creditor ( 15 USC 1602 ( f ) ) : Any person who regularly extends, renews, or continues credit.

- Consumer ( 15 USC 1602 ( n ) ) : A natural person, as opposed to a legal entity.

I previously sent a dispute letter to Southern Management Systems requesting validation of the debt and correction of the inaccuracies. However, to date, I have not received a satisfactory response. 

I request the Consumer Financial Protection Bureau to conduct a thorough investigation into this matter and take appropriate actions to rectify the inaccurate reporting and potential FCRA violations by Southern Management Systems.

Enclosed with this complaint, please find a copy of the original dispute letter sent to Southern Management Systems. 

Thank you for your diligent attention to this matter. I trust that the Consumer Financial Protection Bureau will ensure a comprehensive and impartial review of this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation