Southwest Recovery Services, Inc. – CFPB Complaint 2018-01-11

Date Received: 2018-01-11

Product: Payday loan debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I recently had noticed that a collection agency had placed a negative report on my credit report with XXXX. I have disputed the validity of their claim as I did not open an account with this company, XXXX XXXX XXXX XXXX. After disputing this claim with both XXXX and the collection agency for XXXX XXXX XXXX XXXX, I was informed by Southwest Recovery Services that they knew the date they reported to XXXX was incorrect and they also informed me that their client had purchased the account from a pay day loan operation and re-aged it to XXXX. The original date on this account was XXXX XXXX but changed the date in order to place it upon my credit file. This company did not even have a correct name or address for me and was using an old name and address to report this file. If I am reading the Fair Credit Reporting Act correctly offering a fraudulent date to place this on my credit is against the law. This company states that I owe XXXX but has not produced any proof or even a bill to me in regards to this, and I do not remember getting a loan from them on XXXX. From what I understand there is no paperwork they can send me as proof. I hope that you can help me to resolve this issue. Thank you!

Company: Southwest Recovery Services, Inc.

State/Zip: LA 707XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2779551

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