Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: SC

Complaint narrative:
Southwest Credit Systems , L.P . Compliance Department Re : Dispute of Account Reporting, Ownership, and Authority Reported Account No. XXXX Original Creditor Listed : XXXX Reported Amount : {$1100.00} To : Compliance Department , I dispute the accuracy, completeness, and verifiability of the above referenced account. 
This dispute is not limited to the balance or payment history. I dispute your legal authority to collect, report, or otherwise act with respect to this account. 
You have reported XXXX  as the original creditor while asserting collection authority in your own name. Wireless receivables are commonly transferred into securitization trusts, after which the named carrier acts, if at all, only as a servicer. If this account was transferred into any receivables trust or similar structure, XXXX lacked ownership unless and until the account was lawfully reassigned out of that structure. 
You must establish your standing. 
Provide documentation sufficient to prove the following : 1. Whether Southwest Credit Systems , L.P. claims ownership of this account or claims to act as an agent or servicer for another entity. 
2. If you claim ownership, provide documentation showing the complete chain of title beginning with XXXX, including any intermediate trust, special purpose entity, or receivables pool, and ending with Southwest Credit Systems . This must include each assignment, transfer, or sale and the date of each transfer. 
3. If this account or its receivables were transferred into any trust, securitization vehicle, or special purpose entity at any time, identify : the name of the trust or entity the date of transfer into the entity documentation showing inclusion of this specific account documentation showing lawful reconveyance, reassignment, or transfer out of the entity documentation showing XXXX  reacquired ownership prior to any alleged sale or assignment to Southwest Credit Systems 4 . If you claim to act as an agent or servicer rather than owner, provide the current written agreement authorizing Southwest Credit Systems to collect and report this account, including proof the authorizing party held ownership at the time authority was granted and that such authority covers this specific account. 
5. Account level documentation identifying this specific account and demonstrating a permissible basis to collect and report it. Generic bills of sale, portfolio summaries, internal notes, or redacted schedules not identifying my account are insufficient. 
Until the above documentation is provided, I maintain this account is inaccurate, unverifiable, and improperly furnished. 
I request that Southwest Credit Systems , L.P. conduct a full compliance review and provide a complete written response addressing each issue raised above, including all documentation relied upon to justify collection and credit reporting.

If Southwest Credit Systems is unable to produce the requested documentation, I request deletion of the account from all consumer reporting agencies and cessation of collection activity.

Company response to consumer: Closed with non-monetary relief