Date Received: 2021-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Transworld Systems Inc contacted my employer and i have attached the document my employer forwarded to me ( wage garnishment ) for about {$290.00}. After that garnishment took place, Transworld Systems sent me another Collections notice ( which i have attached ) for {$10.00}. How could this be when the previous garnishment was {$290.00} and this collections notice states the previous balance was {$250.00}? This is fraud and I can not afford to have them contact my employer again and whatever this collections notice is for it should not apply to my account as they garnished {$290.00}. I would also like them to remove any negative entries with all bureaus as there are bureaus outside of the big 3 that most people do not know about, however, Transworld Systems does report to them!!
Company Response:
State: IN
Zip: 46410
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Someone called and stated they were a debt collection agency and that XXXX sent them my debt for two hundred and something dollars. I paid XXXX for 1 year worth of Auto insurance up front a few months ago. So there's no way I owe them a debt. I was also never contacted by XXXX or received any mail from XXXX.
Company Response:
State: MI
Zip: 48329
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me
Company Response:
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2021-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/21, I called Transworld Systems to see if I could settle a debt with them. The debt outstanding is {$510.00}, and I told them I wanted to settle for 50 % or less, seeing as though the debt is 5 years old now. XXXX was the woman I spoke to, and she told me that the debt had to be paid in full. I tried again to get them to settle for less. The agent then told me that if I didnt pay the account in full, that it would stay on my credit report for the rest of my life. I confirmed this information with her to make sure I heard her correctly, but I know this isnt the case. There is a statute of limitations to credit inquiries that lasts 7 years. So she flat out lied to my face about it and I find that revolting. I wonder how many people she has scared into paying more than they actually have to.
Company Response:
State: OK
Zip: 73099
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, I seen that this account was on my credit file as a acollection and was place inyour office in XXXX 2020, however I never once recieved any notification verbally or writtena about this collection being transfered or sold to your company. Within five days of its first communication to you, the debt collector is required to send a written debt validation notice to you. This notice will state your right to dispute the validity of the debt within 30 days. The FDCPA allows the collector to include the debt validation notice in the initial communication if that communication is a letter. I was never notified of the debt in 2020. I have mail cerfitied letter asking for debt verification and al Ihave recieved back is a bill a not anything tying your company to the debt and that you can legally collect on this debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Transworld Systems Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Transworld Systems sent letter on XX/XX/21 attempting to collect a debt, which is a fraudulent demand for payment by XXXX XXXX XXXX XXXX. I sent Transworld Systems a letter on XX/XX/21 stating that I do not have any responsibility for the debt. the letter was sent by certified mail ; however, Transworld Systems has not acknowledged receipt despite the USPS tracking showing that it was delivered. This debt is fraudulent demand for payment by XXXX XXXX XXXX XXXX. I provided Transworld Systems the communication I provided to XXXX XXXX XXXX XXXX that this parking charge is not my responsibility as well as their return email confirming their acceptance of the appeal and that no further action is required from me.Despite their acknowledgment that the charge is not mine, XXXX XXXX XXXX has sent the matter to a collection agency Transworld Systems in a clear attempt to intimidate into paying this fraudulent charge. Transworld Systems is colluding with XXXX XXXX XXXX XXXX in fraudulently charging citizens and turning these fraudulent demands for payment to collection agencies in an attempt to intimidate people into paying the false charge.
Company Response:
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A notice of cease and desist, as well as a certified proof of contract was sent to Transworld Systems , Inc. on XXXX XXXX. However, they refuse to respond. Instead they continue to harass and contact me everyday a couple of times a day, since the date listed on the notification letter.
Company Response:
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I provided proof that this company was falsely representing itself as a creditor which was a deceptive practice and in violation of the Equal Credit Opportunity Act. And where is the proof of payment history of this account? The Credit Bureau chose not to investigate and chose to continue reporting fraudulent practices. That is unethical and damaging as a law-abiding consumer. REMOVE THIS COLLECTION ACCOUNT COMPLETELY FROM MY CREDIT REPORT.
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Out of the blue I received a debt collection notice saying they were collecting debt of {$710.00} for a XXXX XXXX which I have no idea what it was and was never notified of. I replied with written notification disputing the debt and demand of supporting documentation ( as the debt collection simply stated a total due with no supporting documentation ) but received no supporting documentation or verification.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A