My credit reports were hit with collection accounts from Southwest Credit Services with out sending me any letters in the mail or any other communication attempts just as I am in the processes of closing on a mortgage for a newly constructed home in XXXX XXXX, MD. I located their contact information online after receiving an alert on my mobile credit monitoring service to be greeted by rude representatives who were n't even able to located any accounts for me when I gave them my social security number. They can now that I have given it to them, but could n't prior to my first call. I was transferred to their fraud department and was told that I would be mailed a fraud packet that needed to be completed and sent back, but nothing ever arrived in the mail. Also was told that the items would be removed from my credit during the investigation, but that never happened either. I stand to lose XXXX of dollars in a earnest money deposit over a {$250.00} collection account. What kind of country do we live in that something like this can happen?