Date Received: 2022-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received an alert that negative information had been reported on my credit bureaus. Upon investigation, I see an entry listed for one Transworld Systems possibly related to a creditor named " XXXX XXXX. '' I have never done business with any company by the name of XXXX XXXX or Transworld Systems. I have disputed the reporting with Transworld Systems and requested verification of the debt, but have not received a response. I have received no letters, phone calls, or other requests for payment from anyone related to this matter. I mailed the dispute and request for verification to : Transworld Systems XXXX XXXX XXXX XXXX, DE XXXX I want this negative reporting removed from all credit bureaus immediately.
Company Response:
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In response to Complaint # : XXXX My name is XXXX XXXX , an agent for principal XXXX XXXX , a federally protected consumer, holder in due course, and attorney in fact and I am making this complaint against TRANSWORLD SYSTEMS , INC. for violating a cease-and-desist notice they received on XX/XX/XXXX. These abusive, deceptive and unfair debt collection practices have brought severe stress and anxiety. I have pulled my latest credit report and I am very frustrated that this alleged debt is continuing to bring harm to me and my financial reputation. Transworld Inc. stated, We have also updated your account to reflect your request for no further communications. I am aware that pursuant 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. As you should be aware, a credit report is a medium. Transworld Systems Inc. stated, We purchased your account from XXXX XXXX on XX/XX/XXXX. I am aware this is securities fraud. I am also aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned shall both be held liable for violations under 15 U. S. Code 1692e ( 12 ). Transworld Systems Inc. stated, We mailed our initial letter to you advising you of your rights to dispute the account under the Fair Debt Collection Practices Act ( FDCPA ). I never received any letter from Transworld Systems Inc. prior to them furnishing this alleged debt to my consumer report. This is a violation of 15 U.S. Code 1692d ( 4 ). XXXX XXXXXXXX XXXX has made it abundantly clear that consumer credit reports are a no debt parking zone. If Transworld Inc. can not provide me with proof that they attempted to lawfully validate this alleged debt prior to furnishing it to my consumer report, such as a tracking number or a return receipt bearing my wet signature, this has been a fraudulently furnished tradeline with forethought and malice as a means to bring harm to me and financial reputation. According to the FTC, Reporting debts first and asking questions later or not at all can land XXXX in a steaming alphabet soup of FDCPA and FCRA violations. I have never validated this allege debt and my failure to dispute this alleged debt shall not be construed as an admission of liability pursuant 15 U.S. Code 1692g ( c ) Transworld Systems Inc. stated, As part of our investigations, we have reviewed your Line of Credit Disclosure and Account Agreement, Billing Rights, Consent for Electronic Funds, and transaction ledger including your last payment in the amount of {$2.00} made on XX/XX/XXXX. I have never contracted with Transworld Systems Inc. so Transworld Systems Inc. has no lawful authority to be in possession of my identifying information. This is identity theft pursuant 15 U.S. Code 1681a ( q ) ( 3 ). If Transworld Systems Inc, can not provide a trilateral contract where I consented to the use of my identifying information, Transworld Systems Inc is in violation of 18 U.S. Code 1028A and shall be held criminally liable for aggravated identity theft. Transworld Systems Inc. stated Weve also reviewed your personal documentation provided at the time the account was opened including your drivers license, XXXX XXXX XXXXXXXX Checking statement, and payroll check. We are mailing you our response and copies of your account documentation. Transworld Systems Inc. has not provided me with any documentary evidence proving that I have any legal obligation to pay them. I would like for Transworld Systems Inc. to be aware that furnishing false and deceptive forms is a violation of 15 U.S. Code 1692j. If Transworld Systems Inc continues these abusive, deceptive, and unfair debt collection practices, I will be forced to report them to XXXX XXXX XXXX again for unlawful extortionate activities. I am aware that a collection of an extension of credit by extortionate means is a violation of 18 U.S. Code 894 and carries a criminal liability of up to XXXX years imprisonment. I would like for Transworld Systems Inc to provide me a name and address for the bonding agent for Transworld System Inc in case a suit has to be filed in Federal Court.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A., Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: After reviewing my consumer report, I've noticed multiple inaccurate derogatory marks added by Transworld Systems. I've attempted twice to obtain valid verification from this company but to no avail. I wrote this company on XX/XX/2022 requesting that they please provide any and all original documents bearing my signature, provide dates of services, and to please provide me with any and all persons they've verified this information with. In respondents, the company sent a few fabricated documents, which were unresponsive to my demands. The company name isn't on any of the documents sent, there were no contracts bearing my signature and or specific services done, and there were no personal signatures proving those documents are ( 100.00 % ) verified. Also, they've stated that the derogatory marks were charge-off which is false because they're listed on my consumer report as collections. I wrote them a second time on XX/XX/2022 and their response was the exact same documents. At this point their being very negligent and have violated my consumer rights.
Company Response:
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX has been filing a debt owed through XXXX. I have contacted them multiple times to dispute the debt, everytime they have attempted to contact me I have answered the phone to a dead line which then hangs up on me. They are making fraudulent attempts to contact me after I have disputed the debt and continue to claim I owe them when I do not. I have disputed these claims and no effort has been made to establish truth ; only that they continue to pin a debt on me I do not owe.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was first contacted by Transworld Systems INC with mail dated on XX/XX/2022 but was not received until XX/XX/2022. This initial letter was about an apparent debt that they had purchased and was due for collection. They had given me until XX/XX/2022 to dispute this claim by mail or phone call. I had called multiple times in order to dispute this and out of the 12 times I tried calling, only once was I able to reach someone who could talk about this debt. I was being told by every representative that they did not have authorization to view this debt and had no idea how to help me. On XX/XX/2022, I was finally able to reach someone and submit a verification to validate this debt. I recorded this phonecall but I am unable to upload it for validation due to it's filesize. I have an archived copy that can be submitted upon request. I had then received a letter from Transworld Systems INC dated XX/XX/2022, that they were going to submit this debt up for collection and file it with all the credit bureaus with no regard to my debt validation request. I then submitted, via certified USPS mail, a formal debt validation request using the CFPB debt validation request letter format. This letter was dated on XX/XX/2022 and was certified received on XX/XX/2022. Transworld Systems is not well outside of the 30 day requirement to validate this debt with my request.
Company Response:
State: AL
Zip: 357XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I owe no debt and have good credit. For the past two weeks I've been getting calls from some company, Trans World System. They left a voicemail stating, I have some legal documents associated with my name, social security number and theyre coming to my home/work to serve me. If they cant reach me it at either locations consider it as being notified and the filing will continue. Again, I've NEVER heard of this company and I do not owe any debt to be sued for. Thank You!
Company Response:
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit reporting act XXXX account Has violated my rights 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604 A section 2 : Also states A consumer reporting agency Can not furnish a account Without my written instructions 15 USC 1666B : A creditor may not Treat a payment On a credit card Account Under an open End consumer credit plan as late for and purpose.
Company Response:
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with The fair Credit be Reporting act XXXX XXXX Account # XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 It also states A consumer reporting agency Can Not furnish A account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open Consumer credit plan as late for any purpose
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was contacted by Transworld Systems Inc stating I owe a debt for a XXXX XXXX card from XXXX. I know for a fact this is not true because it was paid off through my XXXX wages. They stated that XXXX sold the debt to them. They are threatening to garnish my wages. I asked them what options do I have and they told me to take a loan out, sell my vehicle, borrow money but either that or they will garnish my wages. I asked for proof of debt and all they sent was a bill from XXXX for {$700.00} and told me I have to pay them {$1700.00}.
Company Response:
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A