Consumer complaint received 2025-04-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, RE : FRAUDULENT COLLECTION ACCOUNTS IMMEDIATE INVESTIGATION AND REMOVAL REQUEST XXXX  File & CFPB Dispute I am writing to formally dispute and demand the immediate investigation and removal of two fraudulent collection accounts that are currently appearing on my credit report. These accounts were opened without my knowledge, authorization, or consent and constitute a clear case of identity theft. The accounts in question are : 1.Southwest Credit System Account # : XXXX Balance : {$80.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account XXXX : XXXX Balance : {$230.00} Date Opened : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), I assert my rights as follows : FCRA 605B : As a victim of identity theft, I request the immediate blocking of these fraudulent accounts from my credit report. I do not owe these debts, and they should never have been reported in the first place.

FCRA 607 ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Reporting accounts resulting from identity theft is a violation of this standard.

FCRA 609 ( a ) ( 1 ) : I request full disclosure of all information in your files regarding these accounts, including the name and contact information of the original creditor and any documentation that allegedly verifies my responsibility for these debts.

15 U.S. Code 1681s2 ( a ) : Furnishers of information are prohibited from reporting inaccurate information, particularly when notified of a dispute. Both Southwest Credit System and XXXX XXXX XXXX have violated this provision by reporting false information. 
Regulation F 12 CFR 1006.18 : This regulation governs communication in connection with debt collection and prohibits false, deceptive, or misleading representations. The continued reporting of these accounts violates this regulation. 

Furthermore, I cite XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, which set legal precedents supporting consumer rights when it comes to inaccurate and fraudulent debt collection practices and reporting. 

I am formally requesting : 1.A complete reinvestigation of these accounts.

2.Immediate deletion of these fraudulent entries from my credit report.

3.Written confirmation that these accounts have been removed.

4.A copy of my updated credit report reflecting these corrections.

This letter serves as formal notice under the FCRA. If you do not comply with these requests within the 30-day timeframe as required by law, I will be forced to pursue further legal action and file a formal complaint with the Federal Trade Commission and other appropriate authorities. 

Please process this dispute with urgency and ensure that my rights as a consumer under federal law are fully respected. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief