Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt was already satisfied, however event free many attend the debt having remove from my credit report, proved of payment made havent persuaded the creditors monitoring agencies to remove such negative information from my credit report.
Company Response:
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I'm a military personnel. I moved from my house in XXXXXXXX XXXX XXXX XXXX before my order. I put my house on the market to get it rented. Visitors coming to see the house, opened the toilet that leaked for about 2 months. I fixed the issue after receiving the bill of {$3600.00}. I requested an adjustment and my closing bill was {$2200.00}. I told them that I'd not be able to make one-time payments but I will make monthly payments. Things that the XXXX refused. I was making my monthly payments when XXXX gave my debt to Transworld Systems a debt collection company that reported twice the same debt in my credits report with XXXX different amounts which are not accurate. I called XXXX, they confirmed that the report was not correct because I have only one account with them. I contacted the XXXX collection company and they confirmed that it was the same account reported twice. I requested to take XXXX report off to allow me to continue my monthly payments. They seemed compliant the first time I called them but they did not make the modification for about 3 months now. I called them last week to understand why it is not done yet and they said XXXX asked them to keep it in my credit report and they said they don't about that. I want them to take XXXX report off my credit report to allow me to continue my monthly payments.
Company Response:
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Transworld Systems Inc responded to my CFPB complaint with insufficient evidence regarding the account XXXX. I instructed this company to verify that I have entered a legally binding consumer credit transaction with Transworld Systems Inc. They have not provided that however they have submitted pdf documents of information they received from another company in which that does not prove XXXX owe XXXX anything. Now according to 15 USC 1692 ( f ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. The document I received violated this law along with 15 USC 1692 ( e ) ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. This company has not verified the debt nor can they provide first hand knowledge regarding the account. I have contacted you multiple times to give you a chance to rectify the account in question your willful noncompliance will be considered aggressive and you will be liable in a court of law.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted last week by a collections agency saying I owed {$650.00} for an unpaid energy utility debt from 2021. They could not give me much information, except for the service dates and account balance and the company who filed this collections notice. I contacted XXXX XXXX XXXX, the filer of the notice. They explained that I was not in their system. I contacted my old energy provider at the time of this service date, and XXXX had no record of me either. After calling the collections company 3x, they finally gave me the service address, and I recognized it from a scammer who had used that address to setup a comcast account. I filed a report for this through this same process that I am now. I then googled who provides energy for that area of Texas, and called the company using the address I was given. Sure enough, they had a record. The rep called with me into XXXX XXXX XXXX, and disputed the amount. They want a police report and a ftc fraud report as well. The service dates are from XX/XX/2021 to XX/XX/2021 and the amount is for XXXX.
Company Response:
State: NM
Zip: 875XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My lease insurance agency is XXXX XXXX Deposit , my previous apartment complex is XXXX XXXX XXXX XXXX submitted a claim to my insurance agency, XXXX, and XXXX paid them via check on XX/XX/2023. XXXX XXXX cashed that check XXXX XXXX XXXX. So Im paying XXXX because XXXX paid that balance for me. TransWorld Systems keeps emailing me and saying I still owe about {$920.00} to XXXX XXXX and that I had to pay them to get the debt settled. The debt shouldnt be in collections in the first place. I spoke with XXXX via phone XX/XX/ and the rep told me that the account is not in collections and that they sent XXXX XXXXXXXX a check after the XXXX submitted that claim to them. The TransWolrd Systems rep XXXX XXXX XXXX XXXX XXXX I spoke to, did not properly answer my questions in a way that I could understand and she sounded like she mumbled every time she told me that they would get into contact with [ insert mumbling here ] to get the situation resolved and I HAD to pay through them to get the balance settled. XXXX already covered the balance via check, that check got cashed, Im paying that balance off with XXXX. Im not paying {$1800.00} for a debt of {$920.00} that was settled with my lease insurance company. I was more confused after I hung up the call with TransWorld Systems. Im planning on taking legal action with XXXX XXXX and frankly, probably TransWorld Systems as well. Im sending the documents and letters to TransWorld systems to remind them of my rights as a consumer.
Company Response:
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : Transworld systems inc for {$3200.00}. They have not got back to me as yet however I have never done business with the original creditor XXXX. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am currently rewriting my complaint with TRANSWORLD SYSTEM INC concerning inaccuracies in the information on my account. Despite sending a letter requesting an investigation into the mentioned account, the process took over 30 days to complete. TRANSWORLD SYSTEM INC claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.
Company Response:
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The account appeared on my credit report as of XX/XX/. I contacted Transworld Systems, Inc.as of XX/XX/. In speaking with Transworld Systems, Inc. on XXXXXXXX I requested validation of the debt. I have not received anything in writing or electronically. Transworld Systems , Inc. proceeded to contact me again on XXXX This is a direct violation of my FDCPA rights. Transworld Systems , Inc. also failed to state the mini Miranda on several occasions ( I spoke with several people ).
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The accounts are a result of the XXXX XXXX XXXX data breach and the XXXX XXXX breach. My information was leaked and I was affected. I have filed identity theft reports in XXXX, XXXX, XXXX and XXXX due to the leaked credit information used as fraud. I have tried to dispute information and have been unsuccessful and companies are says info is verified and charged off with no proof of this being the authorization on myself. No explanation in writing or reasoning for validating debt. Being that said it is charged off and no 1099c was sent to me via mailing or email. Accounts : Transworld Systems INC- Disputed and company did not send verification of debt as it relates to company. Requesting removal from all three bureaus immediately. On XX/XX/XXXX the CFPB posted ; the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), which both enforce fair credit reporting laws, filed an amicus brief in the U.S. Court of Appeals for the Second Circuit in XXXX XXXX XXXX XXXXe Bank, to help ensure that companies that provide information to credit reporting companies comply with the law. Specifically, they must tell credit reporting companies to remove information that they can not verify after someone identifies the information as wrong. All debt above are reporting inaccurate info and is result of identity theft. Also, according to the CFPB XXXX case against TSI Transworld Systems ; against consumers of student loans filed lawsuits that they couldnt prove were owed and filed false and misleading affidavits in courts across the country, said CFPB XXXX XXXX XXXX. Then they were ordered to pay {$2.00} million for penalties. They ( TSI ) still use frivolous tactics against consumers and is the reason I am filing a complaint against Transworld. System Inc. Hoping this can be taken into consideration of the companies non truthful business tactics. Same letter was sent to all 3 agencies for validation.
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX an account from TRANSWORLD SYSTEMS INC. appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A