Southwest Credit Systems, L.P. – CFPB Complaint ID 2477794

Date Received: 2017-05-07T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I ‘m the victim of identity fraud. Since XXXX XXXX ( and prior to that XXXX of XXXX ) I have been battling to have the XXXX XXXX charge for {$1400.00} and change, removed from my credit file. It is the last account showing ‘deragatory ‘ since this whole debacle sta rted. Southwest Credit ( who the account is in collections with ) and the bureaus have both been contacted in writing several times. Phone calls and letters go ignored. On my report it states that although the consumer ( me ) flagged that charge it still falls under the FCRA. It was opened under XXXX XXXX . I would never open an account under a nickname and I ‘ve never had XXXX as a service in my life. Now I ‘ve missed out on purchasing my dream home as my credit is in the XXXX . Interestingly, only the reports pulled by the mortgage company show these scores. XXXX XXXX still has me in the XXXX range where I ‘ve been all my life. PLEASE fix this!

Company: Southwest Credit Systems, L.P.

State/Zip: NJ 085XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2477794

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

See also  Alliance Data Card Services - CFPB Complaint ID 3072670

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

Here is where you will find important stories located from around the web which can impact you and your financial life.