Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
XX/XX/XXXX SouthWest Credit Systems XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Notice of Violation and Demand for Immediate Cease and Desist of Reporting To Whom It May Concern : I am writing to formally dispute a negative item that your company has reported to the credit bureaus in connection with an alleged debt purportedly owed by me. This reporting is not only erroneous but is also damaging my ability to obtain credit and secure housing for my family. Your failure to comply with both federal and legal standards has caused significant harm, and I am initiating a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 
Your company is in violation of several provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to Provide Notice of Debt Under XXXX U.S. CXXXX XXXXg ( a ), you are required to provide written notice of the debt within five days of your initial communication. I never received such notice, nor was I given the opportunity to validate or dispute the alleged debt. 


Unlawful Reporting Without Proper Verification Reporting a debt to any credit reporting agency without first verifying its validity and notifying the consumer is a violation of the FCRA, XXXX U.S. CXXXX XXXXs-2 ( a ) ( 1 ) ( A ). You have willfully reported information without my knowledge or consent, thereby impeding my access to essential credit opportunities. 


Lack of Consumer Authorization At no time did I enter into any agreement with your company or authorize you to collect or report this debt. According to XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX ), a debt collector can not legally report a debt without substantiating the obligation and showing clear authorization. 


Violation of Due Process and Damaging Consumer Credit By failing to notify me and simultaneously damaging my credit profile, your company has deprived me of the right to address or resolve the alleged debt. Courts have found such actions can constitute willful noncompliance under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ). 


Due to these violations, I demand the following : Immediate cessation of reporting this alleged debt to all consumer reporting agencies. 


Immediate investigation and removal of any negative trade lines related to this alleged debt from all major credit reporting bureaus ( XXXX XXXX XXXX ). 


A complete validation of the debt, including the original creditors name, full account history, and proof of your legal authority to collect and report this debt. 


Should you fail to comply with this demand within 15 days of receipt of this letter, I will escalate this matter further by : Pursuing formal complaints with the CFPB, FTC, and State Attorney General ; Consulting legal counsel regarding your continued noncompliance and the potential for monetary damages under XXXX U.S.C. XXXX and XXXX XXXX. XXXX for willful noncompliance. 


I expect immediate action. Please respond in writing to confirm compliance.

Company response to consumer: Closed with non-monetary relief