Date Received: 2021-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: TRANSWORLD SYSTEMS INC.COLLECTION AGENCY { TSI } XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX .... sent a letter to me stating that XXXX has asked TSI to collect, from me, {$71.00} and to submit payment to : XXXX XXXX : ACCOUNTING { PHARMACY } XXXX XXXX XXXX XXXX FL XXXX This IS A SCAM because I have a credit on my account at XXXX.
Company Response:
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
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: Ive been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report. This is causing emotional distress and a violation of my rights via the FAIR CREDIT REPORTING ACT. I am taking legal action to resolve this deletion of the unverifiable negative items from my consumer report.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had sent in payments to clear up the debt but did not receive any notification that the debt was cleared
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2021-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Around XXXX XXXX I noticed a negative account on my credit report. I called to inquire about the debt. It several attempts to find the info. I noticed it was in my maiden name and the debt collection agency would not give me more info. They were interested in me paying the debt. I got a letter in the mail showing that the debt collection agency sent from the original creditor. On this bill, it has my maiden name, a very old address I lived at over 15 years ago, but the dates were several years ago. At that time I didn't even have utilities in my name and I do not use my maiden name. I have tried disputing it several times with the credit bureaus but it keeps coming back as validated debt. I called the original utility company to see why was the debt sold to a collection agency that was not mine. I spoke with 3 different representatives and no one could find the debt in their system. I provided them with all the information and there was nothing there. They found another old bill in my name that was paid in full. Basically, I have a debt that is reporting on my credit report. It shows the dates XXXX & XXXX for {$160.00} from Transworld TSIXXXX. The original credit ( XXXX XXXX ) has no information on this debt. They were unable to locate it. I am not sure how this TSIXXXX got this debt. It is reporting on my credit report on XXXX XXXX XXXX which is negatively impacting my credit score. I should not have to pay a debt that is not mine.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter from a Collection Agency " Transworld Systems , Inc. '' on XX/XX/21. It stated an account was placed with them for collection from XXXX XXXX for {$2300.00}. I contacted XXXX XXXX ( located in XXXX XXXX, CA ) and was informed they did not have an account or name associated with their Fire Department regarding this issue. I was also told that XXXX XXXX does not use Transworld Systems , Inc. for debt collection. Person I talked with stated this was most likely a scam. Contact name, address and telephone number for Transworld Systems, Inc : XXXX XXXX, License # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX XXXX I called above phone number and was transferred to a recording. With that being said, please note we have never been to XXXX XXXX, CA
Company Response:
State: NY
Zip: 13126
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that TRANSWORLD SYSTEMS would verify the debt. So I took it upon myself to ask TRANSWORLD SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have called numerous times ( sorry I dont have exact dates ) and have been hung up on many times when the collection agents didnt want to answer pertinent questions : like asking for the telephone number of the original creditor. Also I filed a dispute with the credit reporting agencies twice and got nowhere, even though its clearly obvious Im not the correct personI even explained to both the credit reporting agencies and the debt collector that there are three people in the United States with the exact same name as me, but we are all different ages and live in different parts of the country. I used to work in a debt recovery office and I know how many of these companies operate. So I am pretty certain that the collection agency sent letters to the credit reporting agencies accusing all three of us of the same debt to try and get lucky ' one of us was the correct person.
Company Response:
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. I tried contacting the 3 Credit Bureaus requesting a complete payment history of this account for me to review on which the collection was posted. There was definitely an error on their part. The 3 Credit Bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Company Response:
State: MD
Zip: 21061
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I XXXX XXXX want to file a complaint about Nationwide Credit Inc. We had a home equity line of credit junior lein on our home. This loan was sent to Nationwide from XXXX loan services. I found out the account was with Nationwide after calling XXXX one night to get status on a modification application. I contacted Nationwide and explained they have the account by mistake and can they contact XXXX. Nationwide refused to contact XXXX and they sent me this collection letter they said. I never saw this letter till XXXX produced it for me to see. I explained to Nationwide we want to keep this home and can they work with us. Went over with Nationwide why we defaulted on the loan due to medical bills in our family that we're large. The representative of Nationwide tried to get me to pay a small about of the loan like {$200.00} each month. I told him I would not as the loan was {$100000.00} and {$200.00} a month would not cover the loan. The statute of limitations had passed and he was trying to get me to pay to restart the statute. We were still current on the first lein and still asked Nationwide to contact XXXX about this as we want to keep this home. This is our family home. Nationwide rep informed me we have nothing to do with XXXX and only collect for them. The representative told me to submit application of hardship and submit pay stubs medical bills and our monthly living expenses.This was done twice and Nationwide rejected the application stating there was equity in our home. We could not afford to pay the lein and made a decision to sell the home as we went from perfect credit to bad and not even able to get a loan for a new car. We sold in 2017 and last year I was informed by a friend that XXXX XXXX XXXX owned Nationwide at the time I was dealing with them. The nationwide rep was untruthful and led us to believe they had no connection with XXXX. Nationwide and XXXX got paid when we sold the home. We fought for four years with Nationwide with no success. There was a program in place from the federal government if your first mortgage in modified they need to modify the second this is what we were looking for so we could keep our family home. Nationwide were deceitful. I would like to hear what the Nationwide management has to say about this. Respectfully, XXXX XXXX
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have called a couple times a month starting back on XX/XX/2021 and the last call was received today XX/XX/2021 at XXXX asking about a debt that isn't mine I have told them back in XXXX I don't know who's debt that is and to please take me off their list and they have not
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A