TacticalBacon

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About TacticalBacon

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    Pennsylvania
  1. Hey guys! First I want to say thank you for all the discussion in this thread. You guys gave me a lot to consider. Here's an update on what's been going on. So I sent in my response maintaining that I still dispute their claim and included the documents from my current provider as my supporting documentation as to why. I also checked my credit score and found that their reporting had been removed. I thought they were giving up, until yesterday. Yesterday I received a one page response to them that basically amounts to hearsay. I can't decide if I should be laughing or pissed off by this. Now instead of "Original Creditor", they have the service provider listed as "Client". In addition the name has been changed slightly from the name listed on the original documents. Googling this new name produces zero results so I can't even verify if it's a legitimate branch of the original provider. This is literally all it says No documentation. No copy of the alleged response from whoever they claim they contacted or affidavit from the supposed provider of the statement. Not even any attempts to provide proof that any service was delivered. Just that paragraph on their own letter head. Also all grammar errors are theirs, not mine. As I said, it currently hits me back and forth between laughing that they think I'm just going to throw up my hands and go "Oh darn! I was hoping you wouldn't contact them but I guess the jig is up! Here's my money!" to angry that there are probably people out there who fall for that kind of crap. Needless to day I'm not about to take their word for it. But I need a day or two to settle myself before I respond. Also I'm not quite sure how to respond. It feels like they're just jerking my chain with this. Is this something that could be considered a violation? Very curious to hear what you guys think about this.
  2. @BV80 Thank you very much! I'll start working on a reply now. Hopefully I won't be hearing back from them. One last question though, should I notify the credit bureaus that I dispute it, or wait for now to see if the agency removes it?
  3. @BV80 should I include any of the statements or anything from my actual service provider showing that they were the ones who had my business at the time? Or just hold onto those for now in case Southwest tries to continue this?
  4. @BV80 I had service with this provider at a college apartment across the state back in 2000. My service with them was canceled because I moved back to my parents house and didn't need to transfer the account. I've been in my current residence (own the home) since 2005 and had this other provider the whole time. The statements provided by Southwest say they are for service to this address from 3 months in 2013 and increase every month going up to $800 dollars and even include a statement for "price adjustment for your package" because their prices changed.
  5. So here's my situation. Back in 2015 I was contacted by one JDB claiming that I owed about $700 in an old cable debt to a service provider I didn't have. I sent a debt validation and never heard anything more from them and assumed that they must have realized they had the wrong person. In March of 2016 I get a letter from Southwest Credit. Same account numbers as the other JDB letter (I saved the original) but the amount is no where near what the other company was asking for. I'm talking about half as much. So again I sent for validation and again I didn't hear anything back and nothing was showing on my credit so I figured I was done with them. Or so I thought. On friday I got a letter from Southwest containing the "information I requested" 10 months ago. Enclosed are what appear to be monthly statements from the cable provider they claim I owe to the address I currently live in from about 5 years ago. But there's some skeevy stuff with them. #1 the amounts listed on the statements don't match up anywhere with either amount either agency was saying that I owed. #2 the "Payment Due By" line just has "DUE NOW" instead of an actual date. and the real kicker #3 I did not have an account with this cable provider at this address. Of course now when I look it is on my credit report. So now I'm a little irritated. I have already been in touch with my actual service provider, and they have been very helpful in helping me get copies of my statements showing that they were the ones who were providing me the services claimed by the JDB at the time in question. My only problem is that I'm not quiet sure how best to tell Southwest this debt is fraudulent and to go pound sand. Do I call them out that no where on their forms does it show where they got the number quoted? Or do I send them the copies of my legitimate service bills showing there's no way that there was any service provided as they claim? Not to mention that 10 months is a little outside the standard 30 day response time. Thanks to anyone who can help me figure out my next move from here.