Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
Over the last 2 years I have been dealing with the harassment of SOUTHWEST CREDIT SYSTEMS. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house hold purposes. The inaccurate reporting have damaged my livelihood. 

SOUTHWEST CREDIT SYSTEMS has violated my privacy. They are a third-party intervener and are in trespass of the private name, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and her private information. SOUTHWEST CREDIT SYSTEMS qualifies as a volunteer, stranger, or intermeddler. 

XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

SOUTHWEST CREDIT SYSTEMS purchased the account referenced above from XXXX XXXX or another third-party junk debt buyer. 

Therefore, they are, according to XXXX XXXX XXXX XXXX of the US Supreme Court, in direct violation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Also SELLER : XXXX XXXX. They have placed the above-mentioned firm in the untenable position of aiding and abetting your fraud by mail attempt mentioned in the preceding paragraph. 

I have no contractual obligation with SOUTHWEST CREDIT SYSTEMS. Therefore, any action taken by SOUTHWEST CREDIT SYSTEMS is considered aiding and abetting fraudulent activity. 

I demand to see a certified, notarized copy, under penalty of perjury, of the purchase agreement between SOUTHWEST CREDIT SYSTEMS, and the above-mentioned creditor. 

Also! 
SOUTHWEST CREDIT SYSTEMS is not licensed to collect debts in the state of Pennsylvanian Pursuant to Pennsylvanian STATUES 7311. Unlawful collection agency practices. 


I would like this matter resolved by SOUTHWEST CREDIT SYSTEMSceasing any false debt collection, or selling the false debt to any other third party debt buyers. I would like SOUTHWEST CREDIT SYSTEMS removed and DELETED from all of the following Credit Bureaus Consumer Reports XXXX, XXXX and XXXX or any subsidiaries or partnering companies. XXXX, XXXX, XXXX etc I am, including all of the documentation I found trying to dispute this item. I am now forwarding this over to the CFPB, FTC, ATTORNEY GENERAL, to do any investigations or send it to any sources that may be some of assistance.

Company response to consumer: Closed with explanation