Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> SW Credit Systems Re : Formal Debt Validation Request Notice of Dispute Account in Dispute : SW Credit Systems Account # XXXX {$1400.00} To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this alleged debt and demanding full, strict, and complete validation. I do not acknowledge any liability for this debt and require verifiable proof that SW Credit Systems has legal standing to collect or report this account. 

Under UCC 8-102 ( a ) ( 15 ), if this alleged debt has been securitized, transferred, or sold into any trust or asset-backed entity, then SW Credit Systems is not the rightful owner and lacks standing to collect.

Additionally, under Rule 1002 of the Federal Rules of Evidence, the original contract bearing my signature is required to prove any alleged obligation. Billing statements, internal summaries, or computer printouts do NOT meet the legal standard for validation. 

Because I dispute this account, I am demanding the following documentation : 1. Proof of Ownership & Legal Standing The original signed contract with my signature.

A complete chain of title, including all assignment agreements and bills of sale.

The complete purchase agreement between the original creditor and SW Credit Systems.

2. Full Debt Validation & Itemized Accounting A detailed, itemized accounting showing how the balance of {$1400.00} was calculated.

A ledger listing principal, interest, fees, payments, and charge-offs.

Proof that the claimed balance is accurate, lawful, and collectible.

3. Securitization Verification Written confirmation whether this alleged debt was securitized or transferred.

The name of any trust, fund, or SPV connected to this account.

Copies of any Pooling & Servicing Agreements or trust documents. 

XXXX. Authorization to Collect A copy of your Arizona debt collection license. 

Documentation proving authorization from the original creditor. 

The full name and contact information of the original creditor.

5. Consumer Rights Compliance A copy of any Notice of Assignment.

Copies of all correspondence or notices you claim were sent to me.

Copies of any arbitration agreements or jurisdiction provisions tied to this account.

LEGAL NOTICE Until you provide all documentation requested, I do not acknowledge any liability for this alleged debt. Under 15 U.S.C. 1692g ( b ), all collection activity must cease immediately until proper validation is provided.

Providing billing statements, screenshots, or system summaries as validation is a willful violation of federal law.

Under 15 U.S.C. 1692e ( 8 ), you must immediately report this account as disputed to all consumer reporting agencies.

If you can not validate : You must delete this account from all credit bureaus ; You must cease all collection activity ; and You must provide written confirmation that the account has been permanently removed.

Failure to comply will result in complaints filed with the CFPB, FTC, and the Arizona Attorney General, and may result in civil action for FDCPA and FCRA violations. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with non-monetary relief