Southwest Credit Systems, L.P. Debt Collection Complaint

Southwest Credit Systems, L.P. Debt collection department,

Other (phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine California

- -, 2015 I received a - page document from Southwest Credit Systems, L.P. stating that a delinquent account they claim is allegedly mine in the amount of $310.00 for an apparent - - - cell phone bill. On - -, 2015 I spoke with a representative who went by the name of -. I requested for - to re-verify the account was in deed mine. He claimed that his firm had already validated the debt by using my address. I attempted to explain to him and disputed the debt was not mine. I also requested he cross reference my social security number, middle initial, any previous addresses and the phone number that is in question. He stated that his firm had already done so. He then suggested to transfer me to the customer care dept. Immediately after the transfer I was disconnected. I believe that at the date and time of this call that the account was disputed. After several days of not hearing back from anyone associated with Southwest Credit Systems , L.P . I sent a letter disputing the same and included any and all information required to verify this account. On - -, 2015 I called


30 day period of notice ends on - - 2015. I explained that I would seek to remedy this matter with legal action. After attempting to request for her to verify the debt as legitimate. She claimed the debt had in fact been verified. I called back approx. ( 1 ) hour later and spoke to a - in the customer care dept. After not being able to get anything resolved and talking over each other I asked to speak to a supervisor. After a brief hold - returned to the call and stated, they said to take your number and someone would call you back. I question that comment due to the fact that all incoming calls and phone numbers are identified. With no other course of action I ended the call. This company filed the collection account to all three major credit reporting agencies on or before the - of -. Without making any attempts to contact me to verify the account. They have stated on more than several occasions and from different representatives that the account had been verified as belonging to me. Southwest Credit Systems has also failed to submit to my request for information documented in the - - letter ( see attached ). In addition they have violated the FDCPA statue [ 15 USC 1692e ] section ( 2 ) ( a ) and ( b ). Southwest Credit System failed to do due diligence in investigating and confirming the account was in deed mine and only used my personal home address in their verification process.