Date Received: 2021-12-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed this company placed a collection on my credit file in XXXX of XXXX for roughly {$670.00}. The collections was for a medical bill that I do not owe and knew nothing about. I never received a call or letter from the company concerning any debt owed. I called the company and explained that this debt is not mine in fact the debt originates from a medical facility I have never even been too. I asked the company to provide me with anything that substantiates that I owe this debt and they couldn't provide me with anything. I also sent the company a debt validation letter to demand a response and I have yet to hear back from the company. TRANSWORLD SYS INC/55 is clearly a fraudulent company and should be investigated by the proper authorities.
Company Response:
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I recently settled a balance with TransWorld Systems Inc. The person on the phone advised me that they would delete the account from my credit reporting as part of the settlement. The account is still listed on XXXX and XXXX. This is in violation to terms and needs to be deleted asap. I have attached a copy of my settlement letter. Please delete and do not force me to escalate this matter.
Company Response:
State: CA
Zip: 95682
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, the consumer received a disrespectful debt collection letter from NATIONWIDE CREDIT , INC. attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc. is a debt collection company. With that being said, Nationwide Credit , IncXXXX are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , IncXXXX violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, the original creditor and consumer received a disrespectful debt collection letter from Nationwide Credit , Inc attempting to collect a supposed debt. The debt collection letter stated that Nationwide Credit , Inc is a debt collection company. With that being said, Nationwide Credit , Inc are subjected to follow the 15 USC Subchapter V-Debt Collection Practices by LAW. Nationwide Credit , Inc violated 7 laws multiple times within the Debt Collection Practices and are criminally and 15 USC 1692K civilly liable.
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please note there is a fraud account Transworld on my credit report. I am requesting the removal of this account from my credit. I didnt open this account, nor did I authorize anyone to do so. Please see the attached FTC report and delete it from my credit at your earliest convenience.
Company Response:
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems. I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them. Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid. If i was informed or aware of the bill/charge i would have paid it immediately. I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Transworld systems XXXX XXXX at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX I give proper notice of move out and it was due to XXXX which is extreme unpredicted circumstance. The account balance is inaccurate, the lease clearly stated that its on month to month base and if not given proper notice Balance owed would be XXXX months rent and the fees added are excessive and dishonest activity. Please Verified the debt. is the actual amount.
Company Response:
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/21, I pulled a copy of my credit report. I noticed there was collection on there from Transworld Systems Inc. It's a collection for a XXXX bill, which I never opened or gave permission to use my personal credentials. The collection was reported XX/XX/21 without any notification. The amount is for {$2400.00}. I'm asking that this account be removed immediately as this is fraudulent!
Company Response:
State: IL
Zip: 60502
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TransWorld Systems is reporting delinquent accounts on my credit in error. I have had XXXX XXXXnsurance for the last several years. The original creditor must have made an error and not taken my XXXX XXXX information XXXX I have attached a copy of my medi-cal cards dating back to 2017. Please have TransWorld verify the accuracy of all negative TransWorld accounts.
Company Response:
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A