Date Received: 2022-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Transworld Systems of which I have no signed contract of business with keep reporting and verifying inaccurate information with the credit bureau 's I have disputed this for 3 years. This company is reporting a date of XX/XX/XXXX amount {$1800.00}. This was an unrelated business with Transworld Systems court settled dated XX/XX/XXXX dismissed amount {$1300.00}. Transworld has verified a fraud unauthorized signature of which I have and verified fabricated amount to the credit bureau 's. I've never signed any contract with this company. The inaccuracies are clear ( note : dates and amounts ) and must be permanently removed under the law of fair consumer reporting act, I've even sent the credit bureau 's court document. I want this removed immediately this has caused unnecessary housing hardship for me along with stress.
Company Response:
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX Acct # XXXX, a subsidiary of XXXX XXXX. XXXX, and address of XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX. Assigned this account over to Transworld System inc on XX/XX/22 for collections. The amount assigned over to Transworld Systmen inc is XXXX. The address of service is XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The date of service is from XX/XX/22 to XX/XX/22. I have never lived in the state of XXXX I've been living in XXXX XXXX going on over 30 years. XXXX XXXX XXXX from XXXX, a part of XXXX. A Restoration XXXX is assisting me. In gettting this matter resolved. XXXX XXXX XXXX be reached at XXXX EXT XXXX. On XX/XX/22 XXXX XXXX XXXX placed a conference call to Transworld System inc. The collector who we spoke with. Turned the account over to there fraud dept for further investigation. On XX/XX/22 XXXX XXXX XXXX placed a conference call to XXXX XXXX. The rep at XXXX XXXX advised me on the steps to file my dispute. I went down to the XXXX Police Department. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bus phone XXXX. Officer XXXX XXXX # XXXX filed a fraud Claim # XXXX. Officer XXXX XXXX # XXXX advised me. I can expect a written copy of my fraud claim. Within the next 7-10 business days.
Company Response:
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a dunning notice from TSI, Transworld Systems Inc, alleging I owed {$18.00}. My records show this debt was paid, and had been waiting on Medicare and my Medicare Supplemental Insurance to pay with no update provided to me. The very fact that TSI is involved for an {$18.00} charge underscores that Medicare was billed too much by the provider but more importantly it underscores that TSI is a crooked firm that does not verify the accuracy of their alleged debts. If TSI can handle an {$1800.00} debt, then they are using slaves or overseas labor, or they have nefarious intentions of shaking down the public as they can not even answer a Consumer Finance inquiry for {$18.00} if they are using ethical labor and ethical tactics. I DO NOT owe this debt, and I am requiring TSI to acknowledge their incorrect information and to make a formal, written apology to me. By the way, Medicare is NOT efficient but it is a Federal agency that is too big to ever be efficient. Just like TSI is too big for their XXXX, documented to be inefficient, inaccurate, and crooked.
Company Response:
State: WY
Zip: 825XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone has used my social security to open two accounts with XXXX XXXX in XXXX and as a result one of the accounts has been sent to collection. This account is currently affecting my credit. a police report for identity theft has been filed. Please see info below XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Transworld Systems collection company. Amount in collection {$370.00} account was opened in XXXX and closed in XXXX XXXX XXXX XXXX # XXXX address : XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX amount {$1100.00} account opened in XXXX and closed in XXXX
Company Response:
State: NJ
Zip: 07094
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company in question is TRANSWORLD SYSTEMS INC I reached out to both Transworld and XXXX, XXXX, and XXXX about the account but to no avail. When I reached out to Transworld to let them know the information was inaccurate because I did not open an account with them, especially for the dates being reported. the information was totally false and I've never done any business with TRANSWORLD SYSTEMS INC And thru the credit bureaus investigation, they have not provided any proof of me opening an account but still allow this account to hinder my credit score and livelihood.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX Circuit Court for an alleged private student loan. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX owns my original note/instrument and not a copy with my wet ink signature.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2022-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The XXXX XXXX XXXX XXXX XXXX XXXX submitted a complaint to the XXXX XXXX XXXX for an alleged debt with private XXXX loan XXXX XXXX XXXX XXXX XXXX. I previously requested the debt be validated showing that XXXX XXXX XXXX XXXX XXXX shows that they are holding my original note/instrument.
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A letter was received from XXXX XXXX XXXX, debt collector acct no XXXX, for a XXXX XXXX XXXX XXXX account no. XXXX. This account has since closed satisfactorily upon home sale on or about XX/XX/XXXX. All balances paid as a matter of title transfer and assumptions. This debt collector, whether aware or not of the untimeliness and actions occuring between letter issue and present, submitted correspondence to my current address alleging an outstanding balance owed from this account since XX/XX/XXXX. The correspondence dated XX/XX/XXXX. What is extraordinary is : Since that time, I've been using XXXX XXXX XXXX XXXX as my provider in both subsequent residences occupied under lease terms without issue, notice, or identification of any balance due. Furthermore, I have been offered continuing services from XXXX XXXX with XXXX deposit, and granted a letter of impeccable credit by XXXX upon purchasing my current home. Notwithstanding, this debt collector proceeds. My new residence is serviced by XXXX rather than XXXX, and rates for XXXX were much higher. So I no longer use XXXX. Nevertheless, I took impeccable care of my account services throughout, and did not hold the account for the period in question, stated as XX/XX/XXXX. The switchback was granted XXXX. Furthermore, the account was closed satisfactorily and a subsequent opened in XXXX. My suspicion is that the third party agency is acting in bad faith on antiquated information. It is further a poor practice to pursue debt collection without the original utility company making any good faith efforts to communicate such an account was ever erroneously passed to XXXX XXXX XXXX, the debt collector. Both parties failures to communicate promptly and accurately led to this severely delayed and inaccurate attempt to collect some amount not owed. This is costing time, efforts, and generating undue burden at a time when many, self and family included, can least afford it. I hereby give my first, last, and only notice to XXXX and Transworld Systems Inc that they have made an error. I identified the error. If their claim had formerly any factual basis, I assert acord and satisfaction by continuing XXXX Accounts, contributory negligence by same reason, and latches as primary rationale to defend any alleged justification. cessation of communication regarding this alleged debt in perpetuity. Further bad faith pursuit suggests latches considering timeliness.
Company Response:
State: TX
Zip: 77515
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Transworld Systems, representing XXXX XXXX is falsely accusing me of owing an energy bill from XXXX, Texas. I have called them and written to them, that I have never visited, lived or done business in Texas. I have resided in the same state for the past 40+ years. They went ahead and hit my credit report with a collection. They are calling friends and relatives via phone and text, scaring them to find me because legal actions are being taken and I will be jailed. Please let me know if you need anything else from me. Thank you!
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, So i have received a suspicious looking letter from a no return address hand written, claiming i have some unpaid parking tickets? on a rental vehicle I would have had over a year ago in a different state. I never got a ticket, or a statement from XXXX, my vehicle rental company or a message from the company that was renting the truck that an infraction had occured. The vehicle plate number seems correct, but that could be a XXXX thing, or Im miss remembering my info. I suspect its fraud also because the letter arrive today, XX/XX/XXXX, and it claims should I want to dispute I would have to have done so by XX/XX/2022. how do I ensure that it's not a legitimate error from a real collections company and not just an outright scam
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A