Consumer complaint received 2024-12-01 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX, XXXX living, sentient, breathing, natural man ) and master beneficiary of all securities created in the government created entity name XXXX XXXX which is a artificial entity distinct from a natural living man created by XXXX as affirmed in XXXX XXXX XXXX. This living man bring forth this claim against SOUTHWEST CREDIT SYSTEMS LP for violation of my constitutional and Federally protected Consumer Rights under the " FCRA '' and " FDCPA ''. Said corporation SOUTHWEST CREDIT SYSTEMS LP is reporting on XXXX XXXX XXXX report that a debt is owed to them. However, I do not know said corporation nor have I ever done business with this corporation. I demand SOUTHWEST CREDIT SYSTEMS LP produce a valid contract between I, XXXX XXXX XXXX, the living flesh and blood man with unalienable rights created by XXXX, where this corporation provided me with any valuable consideration and I giving them explicit consent to collect on any alleged debt. SOUTHWEST CREDIT SYSTEMS LP is reporting Fraudulent, Mis-leading and Deceptive information in an attempt to extort payment from this natural living man. I reject and rebut all presumption that I am a corporate entity with any statutory jurisdiction. XXXX alright is the only one who created life and therefore no man has authority to presumed any man to be dead without valid documentary evidence. My unalienable rights include the rights to life, liberty, the pursuit of happiness and prohibition of trespass of property without civilian due process of the law.This is affirmed in the Declaration of Independence and protected under the U.S constitution and all Federal protected Consumer laws. SOUTHWEST CREDIT SYSTEMS LP unlawfully obtain the consumer private information which I did not consent to.This is a violation of the privacy act of 1974 and Right to Financial Privacy Act of 1978. This is also " Identity Theft '' by SOUTHWEST CREDIT SYSTEMS LP - means a fraud committed using the identifying information of another living man without his consent. 15U.S Code 1681a ( q ) ( 3 ). Without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this complaint states verified claims for damages that shall be reported as actual injury personal for claims to your XXXX XXXX XXXX XXXX. this is to inform you that I recently received a certified record of my credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors. Additionally, pursuant to ( 18 U.S. Code 1028 ) ; evidence was present upon reviewing the records as filed. As validation in the report, item listed on the report is inaccurate thereby, caused negative results for consumer transaction without verification from the original creditor, as defined in FDCPA 809 ( 15 U.S. Code 1692g ) validation of debts. The account in question is listed below for the person identified as the legal name in commerce are deemed unlawful unless stipulated by the registered owner ( XXXX ) listed as indexed XXXX XXXX XXXX records. Send me all supporting communications, delivery personal courier, Proof of assignment of debt, settlement of account and authority to collect on this debt with explicit consent from I, the natural living man and the original promissory note with my wet ink autograph. Only United States Postal Services, mails including verified evidence for the published documents personal identification ( ID ) that you have listed in your files, notation as of this date permitting that you used to verify the accuracy of the alleged consumer accounts listed below. Account : SOUTHWEST CREDIT SYSTEMS LP In accordance with consumer laws ratified by Congress, Fair Credit Reporting Act ( FCRA ) 609, ( 15 U.S. Code 1681g ), provides that as the consumer, I have by this verification of the accuracy on the consumer 's file, demand that you disclose to me all the witness, verifications for the filed documents deemed as consumers. The Gramm-Leach-Bliley Act ( GLBA ), violations of personal identification, that you have recorded and retained in your data base. Moreover, at the time of this request concerning the consumer goods accounts that you are reporting in my credit report with the last 4-digits of the social security number ( XXXX ). You should not respond to my letter, for the legal entity, assumed name without stating that these deemed accounts are verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published. Send me certified copies within the guidelines defined in ( FRCP 901, 902 ) ; the production of the following consumer documents under penalty of perjury, that you have mail delivered by the consumer that is memorialized in your files that were used to verify the posted errors for the claims. If you do not have any documentation in your files to verify the accuracy of these disputed accounts, then delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ) ( 15 U.S. Code 1681i ). By the data collectorXXXX publishing the inaccurate unverified personal data in consideration of any unauthorized false misleading symbols. Recognized the compliance codes including the stated items within the FDCPA 801-818 ( 15 U.S. Code 1692-1692p ) on the credit report and distributing them to 3rd parties, you are damaging the reputation and credit worthiness of XXXX XXXX. According to federal law, FCRA 611 ( 15 U.S. Code. 1681i ), all unverified accounts must be promptly deleted. ( 15 U.S. Code 1692k - Civil liability ) make civil liability payment for your gross negligence and willful violation of the FDCPA ( 15 U.S. Code 1692d - Harassment or abuse, 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692c - Communication in connection with debt collection ) in an attempt to extort payment from the Consumer who have never done business with SOUTHWEST CREDIT SYSTEMS LP.

Company response to consumer: Closed with non-monetary relief