Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Southwest Credit XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX Date : XX/XX/year> Account Reference # XXXX Re : Dispute of Debt Reporting on Credit Report To Whom It May Concern, I recently reviewed my credit report and noticed that your company is reporting a debt under the above-referenced account number. I do not recognize this debt and am formally disputing its validity under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR Part 1006 ). Additionally, I am requesting full validation of the debt under my rights provided by the Fair Credit Reporting Act ( FCRA ).

Debt Validation Request Under Regulation F & FCRA To comply with federal regulations, I request that you provide : Creditor Information : The name and address of both the original creditor and the current creditor who owns the debt.

Debt Verification : A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ). Proof of a valid original contract with the original creditor, bearing my signature, establishing the alleged debt and my obligation to pay.

Itemization Date : Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ).

Proof of debt assignment, including all documents showing the legal right of your agency to collect on this debt, including any and all copies of agreements, assignments, or other legal documents demonstrating that you have the right to enforce this debt. 

Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency, including documentation proving that your agency has the legal authority to collect it. 

The forward flow agreement that outlines the terms under which the debt was sold or transferred to your agency. 


Proof of Permissible Purpose : o Documentation explaining the permissible purpose under which you accessed and reported this debt to the credit bureaus, per 15 U.S.C. 1681b ( Fair Credit Reporting Act ).

Cease Collection Until Validation Is Provided : If you can not provide proper validation, I request that you immediately cease all collection activities and remove this account from my credit report.

Credit Reporting Requirements : o If this alleged debt is reported to the credit bureaus, I request that it be marked as disputed by consumer per 15 U.S.C. 1681s-2 ( a ) ( 3 ).

o If this debt can not be validated, I demand that it be deleted from my credit report immediately in accordance with the FCRA.

o I request confirmation that no negative information will be furnished to the credit bureaus during the validation process, per Regulation F guidance.

8. Notification to Future Collectors : If you transfer or sell this account to another agency, they must also be informed of my dispute per 12 CFR 1006.30 ( d ) ( 1 ).

Next Steps Please provide a written response to this request within the legally required timeframe. If you can not validate this debt, I expect you to promptly remove it from my credit report and cease all collection efforts.

Additionally, I do not consent to any form of contact via text message. I request that all communications be conducted via postal mail or email only. 
Thank you for your immediate attention to this matter. 

Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief