Date Received: 2021-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I, XXXX XXXX XXXX, was sent a notice from Enterprise billing and debt collection department and emailed twice by XXXX XXXX while I was dealing with my children who were sick at the time. I was referred to make payment at XXXX XXXX The amount of loss {$1000.00}. 15 U.SCode 1691 ( f ). This company is also in violation of 15 U.S.Code 1692 ( b ) ( 1 ) ( 2 ) ( 5 ) .15 U.S. Code 1692 ( d ) Enterprise also violated my rights to financial privacy ; sold debt to a collection agency TSI whove I have never consented to the right to share my personal information with this company. This activity is illegal and against the law made by congress. Those who violate must pay.
Company Response:
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notification from credit karma that an account in my name was in collections. I have no idea what this account is. It says {$150.00} is in collections by TRANSWORLD SYSTEMS INC, with an originator called XXXX XXXX XXXX for disaster relief from XX/XX/2021. I have been working in California as a XXXX and have no idea what this is. My credit score is wrecked.
Company Response:
State: TX
Zip: 77630
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have received correspondence from these two companies that I have no legal bound to trying to collect a debt with no contract or signed document by me giving them the authority to collect any debt from me. As the law requires curtain steps be taken before any company is able to collect any debt. this is a direct violation of the FAIR DEBT COLLECTION PRACTICES ACT 15 USC 1692d section 807 ( 1 ) ( 2 ). That leaves these accounts null and void.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Amount {$650.00} date unknown I contacted the company and invoice them for the violations an told them to cease and desist 1. Fact 15 usc 1681 protection of non public personal information ( a ) privacy obligation policy it is the policy of the congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information 2. Fact 15 usc 6801 ( b ) ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 3. Fact 15 usc 1692 ( b ) ( 5 ) not use any language or sysmbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates thats the debt collator is in the debt collection business or that the communication relates to the collection of. Debt.
Company Response:
State: OH
Zip: 445XX
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
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 XXXX would verify the debt. So I took it upon myself to ask XXXX 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/2021. Here is the tracking XXXX XXXX XXXX XXXX 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: 77083
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
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: ILLINOIS STUDENT ASSISTANCE COMMISION LOAN XXXX WAS PAID TO DELETE FROM ALL CREDIT BUREAUS. AND STILL REPORTING COLLECTION STATUS TODAY.! XXXX ANAD XXXX THE ORIGINAL TRADE LINE WAS FROM 2006 AND AND NOW IS TIME BARRED.
Company Response:
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called Trans World systems about a XXXX account. We agreed on a settlement of {$78.00}. I paid them on the due date. They agreed to report the account as settled. I look at my report, the account is still there and is being reported as balance decreased. Thats not what we agreed upon. I want them to remove this account and stop reporting it on my credit like they said they would.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: transworld systems inc. XXXX XXXX XXXX XXXX de. 19850 ( XXXX ) XXXX assigned date XX/XX/2020 has been sending me collection notices in the amount of {$50.00} the collection has been repoted as past due balance, i do not know this company. i have never done any business with this company. This company does not have a contract with my signature. i have not suppied proof under doctrine of estoppel by silence. engel v gravens ( mo ) 281 w 715, 719 i presume thst no proof of the alleged debt nor therfore any such debt in fact exists,
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: transworld systems inc. XXXX XXXX XXXX XXXX de. XXXX ( XXXX ) XXXX date assigned XX/XX/2018 has been sending me collection notices in the amount of {$98.00}. The collection has been reported as past due balance. I do not know this company. I have never done business with this company. this company does not have acontract with my signature. also i have not supplied proof under doctrine of estoppel by silence engel vs gravens ( mo ) 281 w 715, 719 i presume that no proof of the alleged debt nor therefore any such debt in facts exist. This account is involved in litigation
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A