Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX TO : Southwest Credit Systems , L.P . 
XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Formal Demand to Remove Fraudulent and Inaccurate Collection Account FDCPA/FCRA/FACTA Violations, Identity Theft Notice, Intent to Pursue Legal Action Collection Account # : XXXX * * * * Original Creditor : XXXX Reported Balance : {$470.00} Date Opened : XX/XX/XXXX Last Payment Date : XX/XX/XXXX ( Pre-dates account opening ) Reported by : Southwest Credit Systems To Whom It May Concern , This letter serves as a formal demand to cease and desist all reporting, collection, and communication regarding the above-referenced collection account. The account contains numerous factual discrepancies, is being fraudulently reported, and violates multiple federal consumer protection laws, including : Factual Disputes & Violations : Date Inconsistency ( Fraudulent Reporting ) : The account is listed as Opened XX/XX/XXXX with a Last Payment Made XX/XX/XXXX. 

That is chronologically impossible, constituting a false representation under FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) and a violation of FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information.

Identity Theft Warning : I have reason to believe this account may be the result of identity theft or fraudulent account assignment without my authorization. As permitted under FCRA 605B, I hereby notify you that this debt is the product of unauthorized use or misrepresentation, and any continued reporting without proper investigation constitutes willful negligence and gross violation of consumer rights.

Lack of Legal Standing No Contract or Chain of Custody : You have failed to produce a purchase agreement, signed contract, or chain of title establishing your legal right to collect or report this account. Without this documentation : You are in violation of FDCPA 809 ( 15 U.S.C. 1692g ) ; You lack standing to report this debt to any credit bureau ; Continued reporting constitutes furnishing inaccurate and unverifiable information under FCRA 1681s-2 ( b ).

Sham Practice Inflated Balance : The High Balance is listed as {$430.00}, while the Past Due Amount and Reported Balance is {$470.00}. No explanation for this increase is provided.

This constitutes : Unauthorized fees, violating FDCPA 808 ( 15 U.S.C. 1692f ( 1 ) ) ; Deceptive collection tactics that form the basis for a sham practice claim.

Violation of FACTA & Inaccurate Reporting to XXXX XXXX  Reporting false or unverifiable information to XXXX  is a violation of FACTA and FCRA 623. Continued publication of this debt to any third party will be pursued as defamation of character and invasion of privacy, actionable under civil litigation. 


Full deletion of this account from XXXX  within 15 days from the date of this notice ; Cease all reporting, collection efforts, and communication regarding this account ; Provide the following within 15 days or cease all activity : Original signed contract with XXXX ; Bill of Sale / Purchase Agreement from XXXX to Southwest Credit ; Itemized account history validating all charges and fees ; Proof that Southwest Credit Systems is licensed and authorized to collect debt in my state

Company response to consumer: Closed with non-monetary relief