Consumer complaint received 2026-05-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
COMPANY : Southwest Credit Systems SUBJECT : Formal Complaint for Inaccurate Credit Reporting, Improper Collection Activity, Failure to Conduct Reasonable Investigation, Unauthorized Furnishing and Transfer of Consumer Information, XXXX XXXX XXXX Noncompliance, and Violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), FACTA, and Regulation V COMPLAINT : I am submitting this formal complaint against Southwest Credit Systems concerning inaccurate, misleading, incomplete, inconsistent, unauthorized, materially deceptive, and potentially unverifiable collection reporting and collection activity associated with an alleged XXXX obligation being furnished to consumer reporting agencies. Southwest Credit Systems is currently reporting a derogatory collection account associated with an alleged XXXX account with an approximate balance of {$1400.00} that is negatively impacting my consumer reports and credit scores. I formally dispute the accuracy, completeness, ownership, furnishing authority, collection authority, legal enforceability, characterization, and verification of all information associated with this alleged account. Pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681e ( b ) 15 U.S.C. 1681i 15 U.S.C. 1681b 15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681s-2 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( b ) 15 U.S.C. 1681n and 1681o and the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 15 U.S.C. 1692e 15 U.S.C. 1692f 15 U.S.C. 1692g and applicable federal furnishing regulations including : Regulation V 12 C.F.R. 1022.42 CFPB Circular XXXX Southwest Credit Systems and any associated furnishers, collectors, debt buyers, or affiliated entities are legally required to : Report information with maximum possible accuracy ; Conduct lawful and reasonable investigations upon notice of dispute ; Refrain from furnishing inaccurate, misleading, incomplete, or unverifiable information ; Maintain reasonable written policies and procedures regarding the accuracy and integrity of furnished information ; Properly classify and code accounts under XXXX XXXX reporting standards ; Provide proper debt validation ; Avoid deceptive, misleading, unfair, or unconscionable collection and furnishing practices ; Furnish information only where lawful authority and permissible purpose exist ; Correct and update information determined to be inaccurate or incomplete. I specifically dispute : The accuracy of the alleged balance ; The completeness and accuracy of the reported payment history ; The legal ownership and enforceability of the alleged obligation ; Whether Southwest Credit Systems possesses lawful collection authority ; Whether lawful furnishing authority exists ; Whether complete chain-of-title documentation exists ; Whether the alleged debt was lawfully assigned, transferred, sold, or furnished ; Whether all legally required notices were properly provided ; Whether permissible purpose existed for all furnishing, disclosure, assignment, transfer, or reporting activity ; Whether the account has been improperly re-aged through continued derogatory reporting ; Whether duplicate, overlapping, or redundant telecom collection reporting exists ; Whether the account has been accurately classified and coded under XXXX XXXX reporting standards XXXX Whether sufficient competent documentary evidence exists substantiating the alleged obligation ; Whether all furnishing and collection activity complies with federal consumer protection laws. I further dispute whether inaccurate identifying information, outdated addresses, inconsistent personal identifiers, or defective matching procedures contributed to inaccurate furnishing or collection activity associated with this account. I request competent documentary evidence substantiating the alleged account and all associated furnishing and collection activity, including but not limited to : Original signed agreement or service contract ; Complete account statements ; Itemized accounting of the alleged balance ; Transaction and payment history ; Documentation substantiating the reported balance ; Debt validation records ; Collection authority documentation ; Assignment and transfer agreements ; Debt purchase agreements ; Chain-of-title documentation ; XXXX XXXX compliance records XXXX Furnishing authority records ; Consumer disclosures ; Notice records ; Documentation substantiating permissible purpose under 15 U.S.C. 1681b ; Investigation records ; Verification records ; ACDV records ; Internal account notes ; Audit trails ; Documentation relied upon during any investigation or verification process. I further dispute whether any prior investigation conducted regarding this account satisfied the reasonable investigation requirements imposed under federal law. Automated verification procedures, database matching systems, or superficial review processes alone do not satisfy the obligations imposed under the Fair Credit Reporting Act. To the extent any verification was conducted through automated e-OSCAR systems or similarly automated dispute processing systems without substantive review of underlying documentary evidence, I dispute whether such procedures satisfy the furnishers obligations under federal law. Information may be considered inaccurate under the Fair Credit Reporting Act not only when technically false, but also when materially misleading in such a way that it could adversely affect credit decisions. Reporting may also be materially misleading where information is technically accurate in isolation but incomplete in a manner that creates a misleading impression regarding : the nature of the obligation, legal ownership, collection authority, account status, balance, payment history, severity of delinquency, legal enforceability, or furnishing authority. Mere possession of electronic account data, internal account summaries, collection database records, or automated furnishing records alone does not constitute sufficient competent documentary evidence substantiating : legal ownership, assignment rights, collection authority, furnishing authority, balance accuracy, payment history accuracy, or legal enforceability. The continued furnishing and collection activity associated with disputed derogatory information has caused substantial consumer harm, including impairment of creditworthiness, reputational harm, reduced financial opportunities, increased borrowing costs, adverse lending decisions, and interference with financial opportunities. I am requesting that Southwest Credit Systems : 1. Conduct a lawful and reasonable investigation into all disputed reporting and collection activity ; 2. Cease furnishing any inaccurate, misleading, incomplete, improperly characterized, or unverifiable information ; 3. Permanently delete any information that can not be fully substantiated through competent documentary evidence ; 4. Correct any inaccurate reporting furnished to XXXX XXXX XXXX XXXX ; XXXX. Cease any improper collection, furnishing, assignment, transfer, or disclosure activity ; 6. Provide complete debt validation and chain-of-title documentation ; 7. Notify all consumer reporting agencies of any corrections or deletions made ; 8. Provide written confirmation of the investigation results ; 9. Provide copies of all documentation relied upon during any investigation or verification process ; 10. Preserve all records associated with this matter, including investigation records, furnishing records, dispute records, collection records, communications, audit trails, ACDV records, and documentary evidence. Nothing contained herein shall be construed as : an admission of liability ; acknowledgment of debt ; acceptance of contractual obligation ; waiver of rights ; or consent to any alleged obligation. This complaint constitutes a formal assertion and preservation of my rights under : The Fair Credit Reporting Act ; The Fair Debt Collection Practices Act ; FACTA ; Regulation V ; And all other applicable federal and state consumer protection laws. Continued furnishing of disputed inaccurate information after notice may constitute negligent and/or willful noncompliance with obligations imposed under federal consumer protection laws. I request immediate corrective action.

Company response to consumer: Closed with non-monetary relief